vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX : XXXX XXXX BANK XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$600.00} EQUIFAX : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against XXXX and TransUnion if they do not validate the account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Date opened XX/XX/2006 XXXX {$100000.00}

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 2022-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Io, Inc.
State: NJ

Complaint narrative:
1. Company has not provided any factual information about this account. 
2. Company has not produced a contract between me and the collector that they are legaly entitled pursuent of this debt. 
3. Collector is in violation of numerous consumer rights 4. Collector communicated to me without my consent Debt Validation request was sent on XX/XX/XXXX and was explicitly said i will pay the debt if it is factual and accuracy this information was not produced from them and they went ahead and violated my right to privacy as per stated under United states consumer code 15 U.S.C 1681 Section ( A ) They went ahead without my written instruction and Furnished my credit file As of XX/XX/XXXX They have violated my rights and have damaged my credit of a debt that is not owed to them to this date. 

Factual information is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX Account # XXXX XXXX XXXX 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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
This car loan was reported fraud and was removed from my credit on all 3 credit files. Now It's back? This was dealt with in XXXX. It's now XXXX and still on my file. I had gotten a police report for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 2022-07-15 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: Nelnet, Inc.
State: CA

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed : DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET  XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: NV

Complaint narrative:
After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Transunion since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF and MULTIPLE LATE PAYMENT accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing a fraud account on my credit report all this time on my personal profile but still youre not taking any action. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX, XXXX, XXXX ). I have never with these accounts listed below, so please help me remove these charge off and multiple late payment accounts from my personal profile. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-07-15 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: CA

Complaint narrative:
Fair Credit Reporting Act 15 U.S.C 1681 Section 616 ( A ) ( 1 ) ( A ) Civil Liability for willful noncompliance {$1000.00} per violation Section 623 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors Section 623 ( B ) ( 1 ) Reporting information after notice and confirmation of errors Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate or unverifiable information AFTER mutiple disputes with Experian asking for debt validation for account # XXXX XXXX XXXX XXXX they will not comply with my request.. THIS COMPANY IS LOCATED IN XXXX XXXX, KS ... I never lived in Kanas. how does this account belong to me.. I also disputed with XXXX they were unable to verify any information pertaining to this account and deleted it.. EXPERIAN is reporting a open date of XX/XX/2020 on the experian website but on XXXX XXXX they're reporting an open date of XX/XX/2020 that is inconsistent. this violation has been going on for over 2years. 
ONCE again I have enclosed supporting documentation pointing out the violations as well as the laws from the FCRA. you're in complete violation I will just pursue legal matters. please delete 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 explanation
Consumer complaint received 2022-07-15 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: NV

Complaint narrative:
After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Equifax since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF and MULTIPLE LATE PAYMENT accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing a fraud account on my credit report all this time on my personal profile but still youre not taking any action. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX, XXXX, XXXX ). I have never with these accounts listed below, so please help me remove these charge off and multiple late payment accounts from my personal profile. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

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 2022-07-15 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: NV

Complaint narrative:
After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Experian since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF and MULTIPLE LATE PAYMENT accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing a fraud account on my credit report all this time on my personal profile but still youre not taking any action. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX, XXXX, XXXX ). I have never with these accounts listed below, so please help me remove these charge off and multiple late payment accounts from my personal profile. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-07-15 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:
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed : DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-15 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU 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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
This car loan was reported fraud and was removed from my credit on all 3 credit files. Now It's back? This was dealt with in XXXX. It's now XXXX and still on my file. I had gotten a police report for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX 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 a 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 explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Parties involved- XXXX bank, Zelle XXXX and myself Note of what occurred : On XX/XX/XXXX, and XXXX I sent over XXXX transactions to my landlord after receiving a government check from XXXX XXXX XXXXf - both transactions were for $ XXXX {$4000.00} in total- since I have sent him a payment before via Zelle and he received it- this was on XXXX XXXX- I pushed the repeat button to do the transaction again. After an investigation, it was found that the account number was off by one digit. Zelle claims that it is my fault, but thats impossible. I had used Zelle to send money to this account in XXXX of XXXX, so I just hit the repeat button to send it the second and third time. Since my landlord received the funds back in XXXX, he should have gotten the money these last two times as well. But apparently someone at Zelle must have input the wrong account number. This money came from the Federal agency responsible for helping those affected by Covid I also reported to my bank the week of XX/XX/XXXX that there was unknown activity within my bank. I contacted the bank- and was told that my account was fine. They did not note this in my file. I have requested several times for a manager to contact me from the bank with no response from management

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was applying for a credit card and received a denial based in part to payment history. I noticed there were a number of recent late payments reported on my credit report from creditors that I have been in forbearance with due to a financial hardship caused by COVID-19. I provided proof that i was in forbearance and per the CARES ACT I should not have been reported as late while in an active forbearance. I asked Transunion to investigate and remove the late payment reporting error from my consumer credit report. 30 days later I received an update that all of the payments were verified by the creditors. I called back for the proof or documentation that differed from mine. The rep from Transunion simply told me it's verified.

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