vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NV

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 XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NV

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 Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: MN

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.The accounts below need to be corrected : 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 2023-01-11 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: OH

Complaint narrative:
XX/XX/2022 I went to my courthouse to ask if they report bankruptcies to the credit bureaus. They gave me a letter stating They do not report any bankruptcies to anyone. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate? They never did a fair investigation according to 15 USC 1681.

The credit bureaus violated my given rights under 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

According to : 15 U.S.C 1681 section 602 A ( 4 ). I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Hello, So there are two debt amounts that they are claiming are from 2021 which I have no knowledge of and I never received any notices or statements from them. I have already sent them a letter through certified mail from my attorney stating that I wanted a debt validation as well as it removed from credit report. It also violates my HIPAA rights for them to sell any of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I woke up on the morning of XX/XX/2023 to deposit a check onto the Chase online banking app and did so successfully into my checking account but noticed that my savings account which had over {$350.00} dollars in it was completely gone and I was left with only a negative balance I had in my checking account. That was all the money I had and now XXXX cant pay bills or do anything. I contacted the customer service and I was told they closed my savings account the day prior due to inactivity for 69 days which makes no sense. I went to ten branch downtown in person and spoke with a representative there and was still given no clear answers as to where my funds went or why it was closed and she pulled up my activity and it showed I used the checking account multiple times. She called someone on the phone and all they told me was I need to file a claim or I could wait 2-3 days to have my funds available in my checking account but rn I have nothing and nobody can give me any clear answers. Its like the bank just stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently retrieved my credit report and it showed inquiries that I HAVE NO KNOWLEDGE OF EVER AUTHORIZING. I have tried reaching out to each lender, I provided them my personal information and the inquiry dates they was unable to pull up any information. I have no account with these lenders. The only authorized inquiries that should be reporting on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX those are the only inquiries that I authorized. Ive tried disputing them with transunion and they told me I had to file a report on here first. Please have these unapproved/unauthorized inquiries removed from my credit report within XXXX days its harming my ability to obtain new credit. Please remove 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 2023-01-11 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:
On XX/XX/XXXX I filed a dispute in the EQUIFAX website about my credit report. In their report they were duplicating my student loan balances that have been transferred from XXXX XXXX XXXX XXXX XXXX ( on XX/XX/XXXX ) and subsequently were transferred from XXXX XXXX to XXXX ( on XX/XX/XXXX ) by the Department of Education when my application to the XXXX XXXX XXXX XXXX was approved. 

EQUIFAX contacted me with the results on XX/XX/XXXX stating that the status of open and the corresponding balances with XXXX XXXX were correct after they carried out their investigation. After filing a complaint with CPFB, EQUIFAX corrected the incorrect student loan accounts with XXXX, and finally reporting them as closed, transferred and with {$0.00} balance. However, EQUIFAX repeated the same mistake and now is reporting my student loan accounts as open and with balances with both XXXX  XXXX. 

That is incorrect. As I explained from the beginning, the Department of Education again transferred and paid off my student loans from XXXX  XXXX to XXXX on XX/XX/XXXX. Thus, the credit report should reflect just the XXXX student loan accounts with XXXX, which correctly are reported as open and with balances. However, all student loans with XXXX  XXXX should be reported as closed, transferred/paid off and with {$0.00} balance as demonstrated by the letter from XXXX  I enclosed in my complaint with Equifax and that I am enclosing for this complaint with CPFB too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: AR

Complaint narrative:
In XXXX I found out that I have a fraudulent utility bill in collections with a company named NATIONAL RECOVERY AGENCY by way of a XXXX XXXX XXXX. I contacted XXXX XXXX and told I never even lived at the address they had in New York as well havent lived in New York since in high school. They tell me the collection agency has to remove it because wits been sold to them. I contacted the collection agency and they gave me the run around and this is CLEARLY IDENNITY THEFT when this even even my information or state I live in. They have used my social and name to open accounts in New York and I want it REMOVED off of my reports immediately. This is my last attempt before this goes legal as I have NEVER had any utilities in the state of New York. I havent lived there in DECADES

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 2023-01-11 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: Mobiloans, LLC
State: FL

Complaint narrative:
TIME OUT!!! WAIT A MINUTE!!! This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of an item that is reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the company MOBILOANS , LLC is using a stall tactic claiming that I am using a XXXX party to submit this request and that additional authorization is needed. I am reopening my case offering my statement as proof that no such XXXX party exists in submitting my dispute. I've recently received notification from this credit reporting agency that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a XXXX party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should MOBILOANS , LLC refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
They have inaccurate information on a debit collection it shows a past due amount and from my understanding that's a violation it shows a past due amount of {$2000.00} 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 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After taking a look at my credit report while updating my personal information. I realized that there were inaccurate information reporting on my report. I sent Transunion an disputing letter with all the inaccuracies that they was reporting. With proof of my identification and mailing address. However I got a letter stating that they wasnt sure if it was me or a 3rd party so they couldnt continue with my issues pertaining my report. I then called in to ensure them it was me and that I sent in the information that they needed. I was told that I didnt need to send in my Id and that I just need to resend in the same letters of my inaccuracies for my report. That make no sense to me what difference does it makes if I include proof of address as well as identification. I really need 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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
on XX/XX/2022 my girlfriend and I were in the parking lot of a food truck when we were approached by XXXX people armed masked gunman. The XXXX had hoodies to cover their head and mask, this instantly made me fear for our lives. The XXXX approached the car and immediately told us not to move or say anything or they would shoot. After that they took all of our belongings ... our wallets. her purse. my backpack and our phones. at the time we were so afraid that we were completely unaware or why they were moving our phones around our faces but that was the furthest thing from our minds. we were just trying to make it home safely. I later discovered an unauthorized transaction on my account on the amount of XXXX $ USD. I contacted Chase Bank about the unauthorized transaction and they ask me to explain what happen. I explain the situation and they made the claim and told me they would have a decision on my case in a few days. A few days past I didnt receive a call or notification. I contacted chase again only to find out my case was denied. I asked for a reason and they told me because it was threw Face ID and they couldnt prove it. They asked me to prove it was unauthorized. I asked what could I do to prove the incident they asked me for supporting files to prove my case. I asked them would a police report helped, they said yes they dont deny police reports normally when are faxed in to them. So I faxed the police report. I also faxed an online police to make sure. I called back and let them know the documents where on the way, and was there anything else I could do to make this process faster or more convenient for us both. They replied no and said we will wait on the documents to reopen your case. So I wait another week call back and they still have received the documents.they told me it would only take XXXX hours. I wait and call back in XXXX more days and they still havent received them yet. I asked to speak to a manager an they pretty much tell me the documents want help. they dont know why they even told you to waste my time and send them we hand we. I call back the next day and the new representative tell me the documents will help. I repeat this process for weeks. So I go into the branch to send them and the branch had to send the documents 3 times before they received them. Only for Chase tell me XXXX  days later, after the holidays that my case was denied again and theres nothing I can do about it. I have talked to XXXX different managers and this has been going on over a months and a half. I been to the branch and call them XXXX plus times. I need yours help to resolve this case XXXX $ is a lot of money that I dont have to waste please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NJ

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief