vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: GA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: MD

Complaint narrative:
I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. 

TRANSUNION, XXXX AND XXXX HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY

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 2023-06-06 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: MD

Complaint narrative:
I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. 

XXXX, XXXX AND XXXX HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-06 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: FirstPoint Collection Resources
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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 a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. NEED THIS REMOVED FROM MY PROFILE ASAP. ] YOU ARE REPORTING THIS COLLECTION AS AN CLOSED ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-06-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HW Holding, Inc
State: NC

Complaint narrative:
I have attached a debt verification letter that needs to be responded to by the collections company associated with this debt, with specific details about this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX of 2022 to XX/XX/2022 I was XXXX, during that time I was a victim of fraud. I have many disputes everywhere and they have all been in my favor so far, through investigation I found out that XXXX XXXX XXXX stole my identity open accounts everywhere, did a lot of fraud with my name and my credentials. One of mean American Express when I went to XXXX I left my American Express paid off, I had it set to be automatically payments every month, this person went ahead and charge American Express then went back into my XXXX account and made five manual payment in the month of XXXX equaling over {$14000.00}, XXXX XXXX found out about this situation and told me they were not liable. American Express was all they did was pay the bill. I had set up that way. 
American Express keeps giving me the runaround I have given them all the documents proof of XXXX the letter from XXXX from the investigation. They have all the documents needed. They keep telling me that they dont they dont but when I call they do in the promise me they will get back to me and nobody does, then a few days later, I get an email or a letter saying my front claim is closed due to lack of documentation.. I am not disputing my account that is now closed. I am disputing. The five payments made in the month of XX/XX/2022 equaling over {$14000.00}. I am enclosing a letter from the bank that gives you the routing number of the payments how they were made, this is all information that American Express has already, they have my phone number they have my account number they have my email and theyre saying that they can not get a hold of me which is a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: SC

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sound Collection Services
State: WA

Complaint narrative:
I called collection agency and explained to them I filed Bankruptcy. This debt was signed off by a judge on XXXX XXXX Can you please take this on my credit history etc I am having a hard time trying to apply for a rental and this is impacting my credit history and future renting. The employer assured me she would take it off my credit report. I called in XX/XX/XXXX, I waited 6 months and called again. I am so frustrated I cant even rent an apartment because of this. 
XXXX XXXX XXXX XXXX XXXX update XXXX, XXXX XXXX of a total {$4500.00} I am so stressed my kids and are going to be homeless!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I have paid the company the debt they alleged that I owed so that I can get approved for housing. In an attempt to secure a rental, I paid Rent Recovery Solutions as they promised to delete the collection upon payment. However, they reneged on our agreement, claiming that I did not use their preferred payment method, which was not disclosed beforehand. I lodged a complaint and requested to speak to higher management but received no response. Instead, they retaliated by falsely reporting that I had stayed at the apartment complex 's second property across the street and owed a balance to that property ( XXXX XXXX  XXXX XXXX ), which I never stayed at as I stayed at XXXX XXXX XXXX XXXX while failing to report my payment. They also listed two evictions, one of them being from the property where I never resided. I have sent multiple certified mail and return receipt letters to them that were signed that they were delivered yet they keep ignoring me. They are still attempting to collect a debt I have already paid by using deceptive, misleading, and unfair practices. For a satisfactory resolution as far as with what the CFPB can help with, I would need a permanent deletion of all accounts they are reporting to my rental and credit reports ( including the minor ones ) immediately. This is only fair as I have already paid and I need to secure housing within the next few months and fear homelessness due to continually being denied. Rent Recovery Solutions ' also lacks a debt collector license, as required in North Carolina that they are to have BEFORE attempting to collect this debt from me. Despite my request for verification of their license and license number, they have failed to provide this information. Collecting debts without a license is a felony in North Carolina. This is pertinent information about suspected illegal business practices being conducted by Rent Recovery Solutions that may be affecting the general public. I am including a letter in the attachments with more detailed information that will not fit in this box.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XXXX XXXX there was a withdrawal of {$300.00} out of my account then on XXXX XXXX there was a withdrawal of {$600.00} out of my account I found this out while I was at work because I kept on getting notifications where someone had transferred some money from my checking to my savings and withdrawing it all out of my account I went to XXXX XXXX banks XXXX on XXXX XXXX and the other was on XXXX XXXX both in XXXX Tennessee and I didnt get the proper help that I needed claims came back denied and the fraud center had made it seem like it was me that had took money out of my account but I was at work when this happened. The fraud center told me there was nothing they could do about it.

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 2023-06-06 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: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove the following items : XXXXXXXX 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 2023-06-06 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: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX Chase close my account the balance in my account was {$770.00}. Call Chase to find out when the check for the remaining balance was going to be mailed out they told me it had already been mailed out and that should receive it within 7 days and nothing so I called again and they told me that the money for the remaining balance was suspended and that they did not know when I will receive those funds I got a statement stating that chased it a debit XXXX for the amount of {$770.00} so they have not yet to send me a check for that amount all I want is what belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: NJ

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief