vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Kindly consider this as a follow-up to my previous complaint which contains accounts that are erroneous and misleading, and I want the accounts to be removed as soon as feasible. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. This account is unknown to me and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$120000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX LXXXX XXXX XXXXXXXX Balance : {$120000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. This account is unknown to me and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I requested a balance transfer of {$600.00} from one of my XXXX XXXX ( XXXX ) cards to my Bank of America ( BoA ) credit card on XX/XX/XXXX. However, on XX/XX/XXXX, I checked that it was not processed on XX/XX/XXXX. So I talked to BoA on phone while chatting with XXXX on their chatting system. The BoA said that it can not be processed on the day ( XX/XX/XXXX ) and the XXXX said that they did not receive any request from the Bank of America. So I cancelled the balance transfer with the BoA and told the XXXX about the cancellation - I first requested an adjustment of the amount transferred but BoA said that it is not possible, which leads to the cancellation and another balance transfer. 

To sum, I cancelled the first balance transfer ( and told the cancellation to XXXX ) and requested the second balance transfer. However, on XX/XX/XXXX, both balance transfers are processed. I don't know why the cancellation of the first balance transfer does not work, that is, why it is processed despite of the cancellation. 

I had spent all day trying to resolve this problem by cancelling the balance transfer. I don't think that both sides try to help me. On XX/XX/XXXX, I talked on the Bank of America side to XXXX XXXX XXXX, XXXX XXXX, XXXX ( He said he is a security but did not wear an uniform, refusing to provide his last name ) in Bank of America Financial Center of XXXX XXXX XXXX. On XX/XX/XXXX, I don't know the name of the person whom I talked to but he is the one who processed ID XXXX ( or XXXX ) which I did with him on the same day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Remove XXXX XXXX account from my reports due to inaccuracies and false reporting, because the payment history does not reflect the account been paid off in full since XX/XX/2023. Under the FCRA the credit agencies must provide me with a notice before reporting late payments. This notice must be sent by certified mail or other reliable means. By not follwing the law, I have the right to sue for damages that have caused me harm by the denial of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Remove XXXX XXXX account from my reports due to inaccuracies and false reporting, because the payment history does not reflect the account been paid off in full since XX/XX/2023. Under the FCRA the credit agencies must provide me with a notice before reporting late payments. This notice must be sent by certified mail or other reliable means. By not follwing the law, I have the right to sue for damages that have caused me harm by the denial of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CL Holdings LLC
State: IL

Complaint narrative:
NOTICE OF DISPUTE I AM WRITING THIS LETTER TO GIVE NOTICE OF DISPUTE AND TO DENY ANY AND ALL DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i HAVE SENT THEM XXXX XXXX XXXX LETTER AFTER THEY FAILED TO VALIDATE THE ALLEGED DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$670.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$670.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Remove XXXX XXXX account from my reports due to inaccuracies and false reporting, because the payment history does not reflect the account been paid off in full since XX/XX/2023. Under the FCRA the credit agencies must provide me with a notice before reporting late payments. This notice must be sent by certified mail or other reliable means. By not follwing the law, I have the right to sue for damages that have caused me harm by the denial of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
They have been calling excessively from XXXX XXXX XXXX and their caller ID says Advance America. They call once even twice a day and hang up without a voicemail, When I reported this to Advance America they denied it was them calling and said they didnt call well they called many many times and the worse part is today I was bullied about making payments and how If I pay one payment online there wont be proof of the past due amount which is nothing practically seeing as I had paid XXXX dollars on that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Consider this complaint as a follow-up to my previous complaint. My previous complaint contains disputed items that are erroneous and needed to be deleted as soon as feasible. 

Kindly remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute a hard inquiry that appeared on my credit report. According to my credit report, a hard inquiry was made on XX/XX/2022 by XXXX XXXX XXXX. However, I do not recall authorizing this inquiry, nor have I had any dealings with this company. 

I am requesting that this inquiry be removed from my credit report, as it is negatively impacting my credit score. I have attached a copy of my credit report for your reference, highlighting the inquiry in question. 

As you may know, hard inquiries can have a negative impact on credit scores, and I am concerned that this inquiry may harm my creditworthiness. I have taken great care to ensure that my credit report is accurate and up to date, and I would appreciate your assistance in resolving this matter. 

Please investigate this inquiry and remove it from my credit report if it was made in error. This inquiry was not authorized by me, I request that you take appropriate action against the company that made the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove some items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and need to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any accounts which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXXXXXX Balance : {$2400.00}, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any accounts which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXXXXXX Balance : {$2400.00}, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. As of todays date, Experian has not responded to my dispute and therefore must update these accounts in my credit file. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of the disputed information within 30 days. I am requesting your assistance in the verification of the disputed data from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
So i've tried to dispute these things with the different credit agencies. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 



These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation