vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXXXXXX Date OpenedXXXX Balance : {$0.00} Late/Closed Late Date XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/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 2022-09-22 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX Date OpenedXXXX  Balance : {$0.00} Late/Closed Late Date XXXXXXXX XXXX  XXXX Date OpenedXXXX Balance : $ XXXXLate/Open Late Date XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Acct XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX Account # # # # # # # # # # # # XXXX, XXXXAccount # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX  ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # 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 a account without my written instruction.

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 2022-09-22 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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/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 2022-09-22 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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I received repeated emails from individuals pretending to be from Equifax asking me to click on links to get my free credit score. 
The latest email was titled Equifax-Update sent to me from XXXX I suspect it is a phishing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
My friend brought me the accumulated mail from previous months that were sent to my old address. While going thru the letters, I found that I had a bank account with Bank of America. I was shocked to learn this since I have never opened an account with them. The first letter described the state of account from XX/XX/XXXX to XX/XX/2022. The second letter described the state of the account from XX/XX/XXXX to XX/XX/2022 ; it showed a service fee of {$4.00}. The account showed no deposits or debits at all. I have contacted Bank of America to close the account and to declare it a fraudulent account. They provided me with a reference number to reflect the fact that my personal information has been used by unknown person/persons to commit fraud. Ref # 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 monetary relief
Consumer complaint received 2022-09-22 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed account and remove it if unable to prove that the account is mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I does not own. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$8100.00}

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 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase denied my claim after a merchant ( XXXX ) fraudulently failed to provide the products/services that I paid to them on XX/XX/22 in the amount if {$110.00}. Chase has informed me that they will be removing {$110.00} from my account on XX/XX/22. By taking this action, Chase is violating federal law and facilitating fraud. 

I am formally requesting that Chase : ( 1. ) Provide me with all of the information that used in the research of this claim. 
( 2. ) Reverse their decision, as it was clearly wrong, and leave the credit of {$110.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I sent a letter on XX/XX/XXXX and was sent to Experian credit bureau to remove the account that is 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/block any account or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. 

XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00}

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 2022-09-22 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX Account # # # # # # # # # # # # XXXX, XXXXAccount # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCT # 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 a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Acct XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX Account # # # # # # # # # # # # XXXX, XXXXAccount # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # 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 a account without my written instruction.

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 2022-09-22 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: MD

Complaint narrative:
For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX XXXX XXXX  continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never provided me any service, they have never provided me any product and I don't know who they are. I have made several attempts to contact them they failed to disclose an agreement exist or reply. 

I wrote to them on XX/XX/2022 and sent a follow-up correspondence XX/XX/2022 and another one XX/XX/2022 and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXX XXXX XXXX under 15 U.S.C 1681 section 602 A. 
according to this section my rights of privacy are recognized. 

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
XXXX XXXXXXXX XXXX never had any instructions from me. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report. 
I never authorized XXXX XXXX XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXX XXXX XXXX 


I NEED THIS ACCOUNT DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: MD

Complaint narrative:
For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX XXXX XXXX continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never provided me any service, they have never provided me any product and I don't know who they are. I have made several attempts to contact them they failed to disclose an agreement exist or reply. 

I wrote to them on XX/XX/2022 and sent a follow-up correspondence XX/XX/2022 and another one XX/XX/2022 and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXXXXXX XXXX XXXX under 15 U.S.C 1681 section 602 A. 
according to this section my rights of privacy are recognized. 

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
XXXX XXXXXXXX XXXX never had any instructions from me. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report. 
I never authorized XXXX XXXX XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXXXXXX XXXX XXXX 


I NEED THIS ACCOUNT DELETED

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 2022-09-22 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:
I sent a letter on XX/XX/XXXX to remove 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/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX Balance : {$33.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2022-09-22 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:
I sent a letter on XX/XX/XXXX to remove 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/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX XXXX Balance : {$33.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: GA

Complaint narrative:
I am a victim of identify theft. I found out there are fraudulent accounts reporting to my credit profile and it has now ruined my life. I've called the company and asked to have these items removed and submitted the documentation they asked for and nothing has happen. The fraudulent items are still on my profile. Experian can not report open-end credit plans as late and I did not give Experian, written or verbal, consent to report anything to my profile which is a direct violation of my consumer rights. I am simply asking that 3 closed accounts be removed. They are the XXXX Card for {$15000.00}, XXXX XXXX XXXX XXXX for {$7900.00} and another XXXX XXXX XXXX XXXX for {$7200.00}.

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 explanation
Consumer complaint received 2022-09-22 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: PA

Complaint narrative:
Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at knifepoint while picking my dog up from doggycare and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation