vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: MD

Complaint narrative:
XXXX XXXX XXXX MY CONCERNS WERE IGNORED Date opened XX/XX/XXXX Balance Paid in full Status Transferred, closed. 
DELETE PAYMENTS SHOWN AS LATE XXXX XXXX XXXX XXXX REPORTING INCORRECT DATES Date opened XX/XX/XXXX Balance o paid in full and written off by creditor multiple years in arrow then sold the debt to it self and other creditor Status Transferred, closed DELETE PAYMENTS SHOWN AS LATE XXXX XXXX XXXX XXXX  Reporting incorrect information Date opened XX/XX/XXXX Balance {$24000.00} is incorrect Status Open. Balloon payment of {$3100.00} due XX/XX/XXXX DELETE PAYMENTS SHOWN AS LATE XXXX No contract with creditor. Creditor has fail to provide signature contract with original debtor Date opened XX/XX/XXXX is incorrect Balance {$4500.00} incorrect Status Collection account. {$4500.00} past due as of XXXX XXXX. Incorrect. 
Verify account or delete from my record. 
Creditor has written debt off multiple years in a row since XXXX. Current opens closes account without written notifications. 

XXXX No contract with creditor. Creditor has fail to provide signature contract with original debtor. 
Date opened XX/XX/XXXX is incorrect Balance {$3000.00} is incorrect Status is incorrect.

Collection account. {$3000.00} past due as of XXXX XXXX. This reporting is illegal and it is infringing on my consumer privacy laws. 
Verify account or delete from my record. 
Creditor has written debt off multiple years in a row since XXXX. Current opens closes account without written notifications.

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 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX  XXXX as the original creditor to TransUnion and XXXX. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. 

I previously disputed this same Collection to XXXX regarding XXXX XXXX, XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX XXXX as the original creditor. XXXX removed the XXXX XXXX, XXXX erroneous and inaccurate Collection account. 

I hereby further dispute XXXX XXXX, XXXX pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

XXXX XXXX, XXXX is not my creditor. 

I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. 

I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.

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 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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. 

XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$2400.00}

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 2022-05-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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. 

XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXXXXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I opened a Chase credit card in XX/XX/XXXX, for the benefit of a 6 month XXXX interest period for repayment. I used the electronic card for online shopping at Amazon, and never used the card for any other transactions outside of those Amazon purchases. I never received the card, and did not realize I did not receive it, until i was contacted by Chase on XX/XX/XXXX. 
I was contacted by Chase on XX/XX/XXXX when they noticed suspicious activity on my card. I received the following text message : " Chase Fraud : We declined {$93.00} with card ending XXXX at XXXX  XXXX XXXX Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your current card and send you a new one. '' I replied NO and received a call shortly after. The representative told me they sent the text due to suspecting fraud. She told me the liquor store charge was declined, and a woman called Chase, pretending to be me, to try to get the transaction authorized. The representative told me the woman was able to answer some identifying questions but that it was all information that was available online. She stated she remained suspicious when the woman reported that my cell number on file was a landline. I checked my wallet and unopened mail and realized I never received the card. I informed the rep of this, and assured that I had never swiped the card, had only ever used it in my electronic Amazon XXXX, and had never authorized anyone to use the card. 
On around XX/XX/XXXX I received a letter with the results of my dispute. I misread the letter, thought it was resolved in my favor, and threw out the letter. 
On around XX/XX/XXXX I received my statement and realized the charges were not reversed. I contacted Chase and reopened my fraud investigation. When asked, the representative I spoke with informed me the claim was denied because the card was swiped. The representative acknowledged that this was not a good reason to deny a claim since I never received the card. The fraudulent charges total more than {$2000.00}. Charges were made in cities that I have not been at all over the past several years. They were made every day of the week, an hour or more from my home and two hours or more from my workplace. I informed the representative that it was impossible for me to be at the places the charges were made. 
On around this same date I filed a police report with my local PD to document the theft. On the same date, I froze my Chase card. 
On XX/XX/XXXX I logged in to my account to unfreeze my card and saw the full balance remained, and I had a letter in my inbox that the claim was again denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04 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: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2700.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00}, XXXX XXXX Balance : {$6600.00} , XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$420.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$950.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-05-04 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: NY

Complaint narrative:
I received your response in my complaint and Im the one who submitted a complaint on XX/XX/2022. The 3 Credit Bureaus are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 10 complaints informing the 3 Credit Bureaus that I was a victim of identity theft. The 3 Credit Bureaus are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. The 3 Credit Bureaus have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-04 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: NY

Complaint narrative:
I received your response in my complaint and Im the one who submitted a complaint on XX/XX/2022. The 3 Credit Bureaus are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 10 complaints informing the 3 Credit Bureaus that I was a victim of identity theft. The 3 Credit Bureaus are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. The 3 Credit Bureaus have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair Credit Reporting act Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : 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 2022-05-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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. 

Hard Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-04 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX and a lot more companies, has violated my rights. 
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 a account without my written instructions

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 2022-05-04 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: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$2700.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00}, XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$950.00}, XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$960.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-05-04 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: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00}, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2700.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00}, XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$420.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$950.00}, XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$960.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
I received your response in my complaint and Im the one who submitted a complaint on XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to deletXXXX immediately : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX OF 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 non-monetary relief
Consumer complaint received 2022-05-04 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: AR

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, VIA THE EQUIFAX SECURITY BREACH AS WELL AS XXXX XXXX BREACH AND PERSONAL IDENTIFICATION DOCUMENT THEFT. I HAVE RECIEVED THE FOLLOWING ITEMS ON MY CREDIT REPORT THAT NEED TO BE REMOVED TO CORRECT MY REPORT PER SECTION 605B. HERE IS NO NEED FOR A REINVESTIGATION AS I HAVE PROVIDED LEGAL PROOF AND A NOTHER INVESTIGATION CAN'T DISPROVE FACTS EQUIFAX, XXXX AND XXXX XXXX, PLEASE REMOVE THE FOLLOWING ITEMS ASAP. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADJUSTMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
Hello. I'm coming to you for assistance because I don't know what else to do anymore. I've been trying to get accounts deleted from my credit report for the last three months and the credit bureaus keep the accounts on the report. There should be no reason why these accounts should remain on the credit report since I have a deletion letter from the collection agency that these were supposed to be removed back on XX/XX/XXXX. This letter even has AUD deletion control numbers on it. 

I have contacted the credit bureaus myself and have submitted this letter as proof these accounts should be deleted. They still remain. We are now on XX/XX/2022, and these accounts are STILL on my reports. To make it even worse, they were deleted for a short period of time, and then reappear. I've called the collector to figure out what is going on, but they have submitted an AUD deletion request three times to the credit bureaus. At this point, I have no choice but to file this complaint through you otherwise I will have to file a complaint through my local small claims court. Please, please, please get the credit bureaus to do their jobs. We aren't in a pandemic anymore, so there is no excuse as to why this hasn't been done by now.

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