vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party I am filing a complaint on behalf of myself because it is my legal right to do so. 
I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX XXXX XXXX please remove or delete any other spelling of my name it is name correct. I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be 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 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please delete remove the unknown addresses.

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 2021-11-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party I am filing a complaint on behalf of myself because it is my legal right to do so. 
I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX O XXXX please remove or delete any other spelling of my name it is name correct. I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be 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 XXXXL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please delete remove the unknown addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
While reviewing my updates, incorrect information was found in my reports. The Equifax 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 inquiries that are reporting on my Credit Reports : XXXX XXXXL Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX AND XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
This is my XXXX or XXXX time I have requested documents concerning an account from XXXX XXXX # XXXX I have never done any business with this XXXX XXXX collections company nor have they providing me with any services. Please delete this unverified account at once. I have filed a report ( see attached ) and I wish them ( XXXX XXXX XXXX ) to cease and desist all contact with me concerning this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Thank you for your time. I have been going back and forth with all XXXX credit bureaus XXXX, Transunion, and XXXX. Over the last couple years have sent endless letters. I have called to have my wrong information removed they still haven't removed the wrong names and addresses. They always send back information verified. So i ask for the validation of the information and I'm never given any real validation. I'm victim of the XXXX breech which has comprised my identity because someone has access to my personal information. I would like for all these accounts to be deleted off of my record. Below are all the accounts that need to be removed XXXX AND XXXX XXXX ACCTXXXX XXXX XXXXXXXX AMOUNT- XXXX XXXX XXXXXXXX XXXX XXXX AMOUNT- XXXX XXXX XXXX XXXX ACCT. # XXXX AMOUNT - XXXX XXXX XXXX ACCT. # XXXX AMOUNT- XXXX Please take a careful look at these accounts and remove them please. Thank you for your time and patience.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im XXXX XXXX and XXXX didnt want to dispute transaction I didnt made. XXXX on XX/XX/XXXX that i wasnt aware of. Please help me transaction was made thru XXXX. Someone open my acct and change the info of one my XXXX recipient. Please please help me. Contact me at 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 monetary relief
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Thank you for your time. I have been going back and forth with all XXXX credit bureaus XXXX, XXXX, and Experian. Over the last couple years have sent endless letters. I have called to have my wrong information removed they still haven't removed the wrong names and addresses. They always send back information verified. So i ask for the validation of the information and I'm never given any real validation. I'm victim of the XXXX breech which has comprised my identity because someone has access to my personal information. I would like for all these accounts to be deleted off of my record. Below are all the accounts that need to be removed XXXX AND XXXX XXXX ACCT. # XXXX AMOUNT- XXXX XXXX ACCT. # XXXX AMOUNT- XXXX XXXX XXXX XXXX ACCT. # XXXX AMOUNT - XXXX XXXX XXXX ACCT. # XXXX AMOUNT- XXXX Please take a careful look at these accounts and remove them please. Thank you for your time and patience.

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 2021-11-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-11-20 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: PA

Complaint narrative:
My personal information was stolen/ missing a few years ago. As the result, around XXXX, someone had used my identities ( SS Card, Driver 's License, etc. ) to open an account with XXXX XXXX XXXX, as I was told. This matter was reported to the police and the XXXX. XXXX XXXX XXXX was also notified. Following a series of investigations, XXXX XXXX closed and marked the account, FRAUDULENT/ ID THEFT. However, XXXX XXXX continues to harass, threaten, and seek to extort {$1400.00} from me. I have filed several disputes with XXXX XXXX, alongside TransUnion XXXX XXXX but the negative mark is yet reflected on my credit, causing me prolonged damage/ undue suffering/ pain, as they have all, refused to correct/ remove a damaging account from my credit report for almost 2 years. This action of TransUnion, XXXX and XXXX and XXXX. violates, the FCRA Guidelines/ Regulations, given that the Debt Collector/ Collection Agency ( XXXX XXXX AND XXXX ; AKA : XXXX XXXX XXXX XXXX XXXX is a FRAUD -- acting criminally, as it claims to represent a company/ original creditor ( XXXX XXXX Leasing ) with whom it has no ties or whatsoever. Moreover, XXXX XXXX Leasing ( i.e., the purported " original creditor '' it claims to represent ) has investigated and CLOSED the account, marking the said account as IDENTITY FRAUD. Sadly, my life is destroyed, as XXXX XXXX XXXX continues to call, threaten, and refuse to remove this off my credit until I pay them the amount of {$1400.00} for a debt I do not owe. TransUnion and XXXX have failed to request evidence from XXXX XXXX XXXX... ignore my disputes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax XXXX XXXX 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 inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
frost bank has violated my consumer rights reporting information that is obsoelete and degrading my character and rights i have never authorized frost bank to report anything to any credit agencies so with that being said under the XXXX that is most definitely viloating my rights nor have i did business with these creditosr i have reached out to the companies demanding to remove these accounts and i have sent XXXX demand letters im now filing a class action law suit against Frost bank, XXXX, and XXXXXXXX XXXXXXXX XXXXtwas sent a police report which was denied they stated i need a new police report which is not truei only need one which the one i provided as of XXXX companies has been violating my consumer rights and reporting obsolete information i also gave experian a demand letter demanding to remove fraudulent accounts they did not complete a verified investigation nor did they provide me any proof of how the fraudulent accounts verified this now has been referred as a civil lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX has violated my consumer rights reporting information that is obsoelete and degrading my character and rights i have never authorized XXXX XXXX to report anything to any credit agencies so with that being said under the XXXX that is most definitely viloating my rights nor have i did business with these creditosr i have reached out to the companies demanding to remove these accounts and i have sent XXXX demand letters im now filing a class action law suit against XXXX XXXX, XXXX, and transunion, XXXX XXXXwas sent a police report which was denied they stated i need a new police report which is not truei only need one which the one i provided as of XXXXall companies has been violating my consumer rights and reporting obsolete information i also gave XXXX a demand letter demanding to remove fraudulent accounts they did not complete a verified investigation nor did they provide me any proof of how the fraudulent accounts verified this now has been referred as a civil lawsuit

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX has violated my consumer rights reporting information that is obsoelete and degrading my character and rights i have never authorized XXXX XXXX to report anything to any credit agencies so with that being said under the fcra that is most definitely viloating my rights nor have i did business with these creditosr i have reached out to the companies demanding to remove these accounts and i have sent 3 demand letters im now filing a class action law suit against XXXX XXXX, Experian, and XXXX, XXXX XXXXtwas sent a police report which was denied they stated i need a new police report which is not truei only need one which the one i provided as of XX/XX/XXXXall companies has been violating my consumer rights and reporting obsolete information i also gave experian a demand letter demanding to remove fraudulent accounts they did not complete a verified investigation nor did they provide me any proof of how the fraudulent accounts verified this now has been referred as a civil lawsuit

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 2021-11-20 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: PA

Complaint narrative:
My personal information was stolen/ missing a few years ago. As the result, around XXXX, someone had used my identities ( SS Card, Driver 's License, etc. ) to open an account with XXXX XXXX XXXX, as I was told. This matter was reported to the police and the XXXX. XXXX XXXX XXXX was also notified. Following a series of investigations, XXXX XXXX closed and marked the account, FRAUDULENT/ ID THEFT. However, XXXX XXXX continues to harass, threaten, and seek to extort {$1400.00} from me. I have filed several disputes with XXXX XXXX, alongside XXXX XXXX Experian but the negative mark is yet reflected on my credit, causing me prolonged damage/ undue suffering/ pain, as they have all, refused to correct/ remove a damaging account from my credit report for almost 2 years. This action of XXXX, Experian and XXXX and XXXX. violates, the FCRA Guidelines/ Regulations, given that the Debt Collector/ Collection Agency ( XXXX XXXX AND XXXX ; AKA : XXXX XXXX XXXX XXXX XXXX is a FRAUD -- acting criminally, as it claims to represent a company/ original creditor ( XXXX XXXX  Leasing ) with whom it has no ties or whatsoever. Moreover, XXXX XXXX Leasing ( i.e., the purported " original creditor '' it claims to represent ) has investigated and CLOSED the account, marking the said account as IDENTITY FRAUD. Sadly, my life is destroyed, as XXXX XXXX XXXX continues to call, threaten, and refuse to remove this off my credit until I pay them the amount of {$1400.00} for a debt I do not owe. XXXX and Experian have failed to request evidence from XXXX XXXX XXXX... ignore my disputes.

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 2021-11-20 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: SG and Associates
State: PA

Complaint narrative:
My personal information was stolen/ missing a few years ago. As the result, around XXXX, someone had used my identities ( SS Card, Driver 's License, etc. ) to open an account with XXXX XXXX XXXX, as I was told. This matter was reported to the police and the XXXX. XXXX XXXX XXXX was also notified. Following a series of investigations, XXXX XXXX closed and marked the account, FRAUDULENT/ ID THEFT. However, XXXX XXXX continues to harass, threaten, and seek to extort {$1400.00} from me. I have filed several disputes with XXXX XXXX, alongside XXXX XXXX XXXX but the negative mark is yet reflected on my credit, causing me prolonged damage/ undue suffering/ pain, as they have all, refused to correct/ remove a damaging account from my credit report for almost 2 years. This action of XXXX, XXXX and XXXX and XXXX. violates, the FCRA Guidelines/ Regulations, given that the Debt Collector/ Collection Agency ( XXXX XXXX AND XXXX ; AKA : XXXX XXXX XXXX XXXX XXXX is a FRAUD -- acting criminally, as it claims to represent a company/ original creditor ( XXXX XXXX Leasing ) with whom it has no ties or whatsoever. Moreover, XXXX XXXX Leasing ( i.e., the purported " original creditor '' it claims to represent ) has investigated and CLOSED the account, marking the said account as IDENTITY FRAUD. Sadly, my life is destroyed, as XXXX XXXX XXXX continues to call, threaten, and refuse to remove this off my credit until I pay them the amount of {$1400.00} for a debt I do not owe. XXXX and XXXX have failed to request evidence from XXXX XXXX XXXX... ignore my disputes.

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 2021-11-20 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Charge-off : XXXX XXXX XXXX XXXX Balance {$7000.00} ; XXXX XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1900.00} ; XXXX XXXX XXXX  XXXX XXXX Balance {$5400.00} ; XXXX XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; Collection : XXXX XXXX A XXXX Balance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation