vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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 so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX Bankruptcy Court XXXX Date Filed : XX/XX/XXXX, XXXX-Bankruptcy 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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
upon reviewing my credit report and being notified that my information is on the black web and part of a data breach I noticed wrong names and addresses and accounts that do not belong to me I have notified my local police dept. XXXX XXXX  {$5900.00} XXXXXXXX XXXX XXXX {$920.00} XXXX, XXXX XXXX XXXX, Hard Inquiries include XXXX XXXX XXXX XXXX  XXXX addresses include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with wrong names XXXX XXXX XXXX XXXX XXXX XXXX these items and accounts do not belong to me and i would like them deleted and removed from my credit report as soon as possible they are causing me great hardship i have also made a FTC report also These addresses do not belong to me and a none deliverable this is repoorting on my Experion report and i have contavted them serveral times

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 2023-01-10 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: AZ

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 120 days late payments on my credit report. I have read enough to understand my rights. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payments from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX  XXXX Date Opened : XX/XX/2013 Balance : {$17000.00}

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/2023, I navigated to the XXXX website to temporarily un-freeze my account so that a vendor could verify my credit history. I was unable to log onto XXXX although I could log onto XXXX. The XXXX XXXX site would not allow me to unfreeze my account, and I was unable to log onto the XXXX site so that I could unfreeze there. ... The " forgot password '' function did not recognize my information ; however, if I tried to set up a new account the site said " account already exists. '' ... I called customer support, and got the same error message with their assistance. Customer support said I needed to talk to someone else " by phone '' ( I was already on the phone ), and they transferred me to a generic auto attendant to enter information that I'd already provided. ... I tried a handful of other numbers and got the same auto attendant. It kept redirecting me to the website, or offered to follow up by mail. At no time could I access a live person. ... So, I spent about 2 hours in circular customer support directing me to the same sites and auto attendant that did not fulfill the need. ... I finally reached out to XXXX via XXXX and got a message " we're gone for the day ''. ... After several hours of this mess I gave up. I can not unfreeze my XXXX  account, and this has caused problems with setting up a new account with an ISP, so I can't yet get Internet service at my new home. And this mess just a day after selling and buying a house/condo all in one day. I can do major transactions easily but can not do a simple unfreeze and its messing up my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report a problem with a debt that I have been told I owe. I have not been provided with enough information to verify that the debt is accurate, or to dispute it effectively. 

I have received communications from a debt collector stating that I owe a certain amount of money, but I have not been given any details about the origin of the debt or the transactions that led to it. Without this information, I am unable to determine if the debt is legitimate or if it has been accurately calculated. 

I have requested that the debt collector provide me with more information about the debt, but I have not received a satisfactory response. I am concerned that I XXXX be the victim of debt collection abuse or fraud, and I am seeking your assistance in resolving this matter. 

I would appreciate it if you could help me obtain the information that I need to verify or dispute this debt. Please let me know what steps I can take to address this issue. 

Thank you for your help.

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 2023-01-10 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: NJ

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10 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: NJ

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or corrected immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10 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: KY

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these to be removed from my file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10 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: TX

Complaint narrative:
After checking my XXXX and XXXX reports, it shows that i have a XXXX XXXX. This violates the GBLA federally enacted law that requires Financial Institutions to Not disclose non public personal information to non affiliated third parties, unless the consumer receives sufficient notice. 
Give customers the opportunity to opt out from having their information shared in certain situations. 
Protect the personal and financial information of their customers against unauthorized access or use. 
Not only have I never been given the option to opt out of having my personal information shared across 2 different credit bureaus, but this has also caused detriment to my overall score and report to drop drastically. This would in turn negatively affect any attempts to receive a loan or to be granted a home. I would need this error removed expeditiously as I am a federally protected consumer per the Privacy Act of 1974 and the Right to Financial Privacy Act of 1978.

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 2023-01-10 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: TX

Complaint narrative:
After checking my Equifax and XXXX reports, it shows that i have a XXXXXXXX XXXX. This violates the GBLA federally enacted law that requires Financial Institutions to Not disclose non public personal information to non affiliated third parties, unless the consumer receives sufficient notice. 
Give customers the opportunity to opt out from having their information shared in certain situations. 
Protect the personal and financial information of their customers against unauthorized access or use. 
Not only have I never been given the option to opt out of having my personal information shared across 2 different credit bureaus, but this has also caused detriment to my overall score and report to drop drastically. This would in turn negatively affect any attempts to receive a loan or to be granted a home. I would need this error removed expeditiously as I am a federally protected consumer per the Privacy Act of 1974 and the Right to Financial Privacy Act of 1978.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: CA

Complaint narrative:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TMX Finance LLC
State: IL

Complaint narrative:
The repo man can and got my car he moved my car dolly and XXXX ski but he did damage to my car dolly. And now they are at thier lot with a service truck disabling and making a key to my car. I have video where he was moving my car dolly. He also threatened me say it's his car and he is going to get it from the the company and I will never get the car back. I made a report on the damages on the dolly. And looks like behind the fence he damaged my bumper on my car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: GA

Complaint narrative:
I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be removed because According to 15 USC 1681 : I have the right privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account Number xxxxxx XXXX XXXX XXXX  Account Number XXXX  XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX  XXXX XXXX XXXX XXXX Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of EduXXXX Account NumbeXXXX XXXX XXXX Dept of EduXXXX Account Number XXXX  XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of EduXXXX  Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX XXXX  Dept of EduXXXX Account Number XXXX  XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of Edu/XXXX  Account Number XXXX  XXXX Dept of Edu/XXXX  Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX  XXXX US Dept of EduXXXX Account Number XXXX XXXX US Dept of EduXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number 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 2023-01-10 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: KY

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these to be removed from my file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Called company because a late fee was applied to my account. A minimum payment of {$40.00} was due XX/XX/XXXX. I paid {$100.00} online through XXXX XXXX on XX/XX/XXXX and the payment cleared my account on XX/XX/XXXX. When I called the credit card company the customer service rep said the check was mailed by XXXX XXXX and Commenity did not post it until XX/XX/XXXX. She blamed the mail and I said I didn't believe it could take over XXXX XXXX  weeks for the payment to get from XXXX to XXXXXXXX XXXX. Therefore I was charged a {$28.00} late fee plus interest. It sounds like a scam to me. How am I supposed to feel comfortable making my payments not knowing if I am going to be charged another late fee. I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never come across something like this and feel they are operating in a unethical manner.

Company response to consumer: Closed with monetary relief