vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX  Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX  Balance Owed : {$65.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX  Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$29000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX has not updated my name change sent four years ago. I was told they had the change on file and it was never processed about 6 months ago. I received a letter stating it would take 60 - 90 days for the name change to kick in. It has been 6 months and it is STILL the WRONG name! TransUnion and XXXX were ALSO sent documents and they have not processed a single thing. I have been dealing with this for XXXX years now, can anyone just do their job?

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX and XXXX, my business received XXXX XXXX XXXX deposited into my checking account that capital one initially sent me a letter stating was closed. The funds was subtracted the negative balance on the account and when i contacted capital one i was informed they were entitled to take the balance owed and the remaining funds were sent back to XXXX XXXX because capital one investigated and determined my business was not a business although i am registered with state. I filed a compaint here with the cfpb and was told the funds were returned. I have been contacting the sba customer service weekly waiting for them to recieve funds. I recently contacted the XXXXXXXX XXXX XXXX  in new york and was informed to contact capital one again because they STILL have not got the return checks. Which leads me to again believe what i stated last year someone in capital one is stealing from my business. This is my last attempt to make sense before litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

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 2023-02-03 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: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, VA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$65.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Owed : {$440.00} XXXX XXXX XXXXXXXX Balance Owed : {$29000.00} XXXX XXXX XX/XX/XXXX 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

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 2023-02-03 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: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$65.00} XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Owed : {$440.00} XXXX XXXX  XXXX Balance Owed : {$29000.00} 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

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 2023-02-03 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: AL

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 USC 1681. 

XXXX XXXX XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.S.C 2681 section 602 A states I have the right to privacy.

15 U.S.C 2681 section 604 A. Section 2 : It arose states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section started no consumer reporting agency may make any consumer report containing any of the following items of my information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 Years.

15 U.S.C 1681s-2 ( A ) a person shall not furnish Amy information relating to a consumer to any consumer reporting agency if the person knows or has reasons 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 non-monetary relief
Consumer complaint received 2023-02-03 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: AL

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 USC 1681. 

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  15 U.S.C 2681 section 602 A states I have the right to privacy.

15 U.S.C 2681 section 604 A. Section 2 : It arose states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section started no consumer reporting agency may make any consumer report containing any of the following items of my information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 Years.

15 U.S.C 1681s-2 ( A ) a person shall not furnish Amy information relating to a consumer to any consumer reporting agency if the person knows or has reasons to believe that the information Is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: CT

Complaint narrative:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03 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: CT

Complaint narrative:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo owes me money for their abuse of their mismanage money

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 2023-02-03 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: FL

Complaint narrative:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03 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: LEXISNEXIS
State: TN

Complaint narrative:
I sent a letter dated XX/XX/21 from United States XXXX XXXXXXXX XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX, XXXX, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX several times to all XXXX  credit bureaus. 
.All have used stall tatics and letters of correspondence not to process or fully process my dispute, Now that I have contacted the source of the court on my own behalf and received notice that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX XXXX XXXX XXXX and XXXX and they are using and retrieving data information from a " third party '' verification system, which my letter of verification has come directly from the source listed on my credit profile. 

Not that I have gone to Lexis Nexis they want to stall the process dispute as well it looks because they are claiming to need " Additional Documents and information to authenticate my identity. So I am attaching proof of identity to promptly process this complaint because it is clearly a violation of 1681 ( a ) ( 5 ) to keep reporting it on my credit profile, considering it does not require an reinvestigation. I would appreciate your response promptly. I should not be still fighting this issue another year later. 
I have attached XXXX or more copies to authenticate my identity to process my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: GA

Complaint narrative:
XXXXm being asked by experian the fair credit reporting act states 15 USC 1681 a section number 2 specifically states that under the exclusion that consumers transactions or experiences are not included in a consumers report me being the consumer have read the laws that govern the fair credit reporting act I want to know how and why when its not legal to put things on my report such as late payments when the fair credit act states its not supposed to be on my report it is unfair and illegal to report transactions or experiences when the law state that this is excluded from my consumer report this is for experian and XXXX who both clearly dont know the law and/ or the definitions the burden of proof is on the creditor but Im being told illegally to give them a police report to remove the things that shouldnt even be on my report this is for the open sky credit cards that as stated is not mines and I have never seen nor touched this card Im asking that they prove that is is me which is impossible and there asking me to prove its not me thats not my job XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX XXXX XXXX in the fair credit act it say that these companies are not governed and have assumed responsibility and have not been appointed the authority to furnish these things on my consumer report please read consumer report definition this account should be deleted and removed completely from my credit report this is illegal please remove immediately from my consumer report XXXX XXXX XXXX reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I ask that the cfpb stand firm in the laws In which govern these agencies to whom is tarnishing my reputation and destroying my credit worthiness.

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 2023-02-03 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: FL

Complaint narrative:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03 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: FL

Complaint narrative:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03 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: NJ

Complaint narrative:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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