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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus June 29, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following debts reporting on my Equifax credit report is not valid. I have health insurance and my provider could not locate a claim for the following accounts. I was previously a victim of identity thief, and I am assuming this account was a part of someone using my identity. I have insurance through XXXX XXXX XXXX and has for the last 7 years and any medical bills would have been through them. Please delete the following accounts as they were not opened by me, nor did I receive service from the company. 
XXXX XXXX XXXXXXXX ( 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX Account Number 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 states a consumer reporting agency can not furnish a account without a written instructions. 



In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number 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 states a consumer reporting agency can not furnish a account without a written instructions. 


In Accordance with the Fair Credit Reporting Act XXXX  Account Number 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 states a consumer reporting agency can not furnish a account without a 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Mc/Tbom Account Number 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 states a consumer reporting agency can not furnish a account without a written instructions. 



In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number 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 states a consumer reporting agency can not furnish a account without a written instructions. 


In Accordance with the Fair Credit Reporting Act XXXX  Account Number 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 states a consumer reporting agency can not furnish a account without a 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: EQUIFAX, INC.
State: NV

Complaint narrative:
The credit bureau stated my count was properly investigated, but how is that possible if the open date is inaccurate, the date last reported is not accurate, they updated an account that is not mine, the ground for removal, they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions Also the credit bureaus took more than 30 days to complete my investigation sent off by certified mail tracking #

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:
The credit bureau stated my count was properly investigated, but how is that possible if the open date is inaccurate, the date last reported is not accurate, they updated an account that is not mine, the ground for removal, they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions Also the credit bureaus took more than 30 days to complete my investigation sent off by certified mail tracking #

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was 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. 

XXXX : XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XX/XX/202XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was 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. 

XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX  XXXX XX/XX/2020 XXXX XX/XX/2020 EQUIFAX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} COV XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XX/XX/2020 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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ive had capital one account for ten years. They most recently had data breach in XXXX On or about XX/XX/XXXX I disputed and unauthorize charge in the amount of XXXX and was told my account would be close and charge was validated without any evidence after my money was taken from me

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus last XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX Balance : {$2200.00} XXXX XXXX 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
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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my 5th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove any item which was 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. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$0.00} ; CHILD SUPPORT XXXX XXXX Date opened XX/XX/XXXX Balance {$28000.00} ; CHILDSUPPORT XXXX Balance {$28000.00} ; Bankruptcy XXXX XXXXXXXX US BKPT CT XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXXXXXX US BKPT CT XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my 5th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove any item which was 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. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$0.00} ; CHILD SUPPORT XXXX XXXX Date opened XX/XX/XXXX Balance {$28000.00} ; CHILDSUPPORT XXXX Balance {$28000.00} ; Bankruptcy XXXX XXXX-dismissed US BKPT CT XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXXXXXX US BKPT CT XXXX XXXX  Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TrasnUnion credit bureaus last XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX Balance : {$2200.00} XXXX XXXX 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
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: 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. 

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

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: 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: 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 Experian and XXXX 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 Balance {$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 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act, The list of accounts Below have violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX XXXX Opened XXXX {$510.00} XXXX XXXX  Opened XXXX XXXX XXXX error Needs attention {$2900.00} XXXX XXXX XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX error Needs attention {$350.00} XXXX XXXX error 30-59 days late {$290.00} XXXX XXXX error Needs attention {$2900.00} XXXX & XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX  error Needs attention {$350.00} SEXXXX XXXX error 30-59 days late {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX CO All of these accounts have violated my rights, Im a US Veteran that was stuck overseas during the Covid Pandemic, My ex wife which I have a Police report on file, Used my and destroyed my credit, I have tried on numerous of times to get these items deleted.

15 U.S.C 1681 602 A States I have the right to Privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting Agency can not furnish my account, without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information. other than records convictions of crimes which antiendates the report by more than 7seven years.

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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act, The list of accounts Below have violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX XXXX Opened XXXX {$510.00} XXXX XXXX  Opened XXXX XXXX XXXX  error Needs attention {$2900.00} XXXX XXXX XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX error Needs attention {$350.00} SXXXX XXXX  error 30-59 days late {$290.00} XXXX XXXX  error Needs attention {$2900.00} XXXX & XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX error Needs attention {$350.00} XXXX XXXX error 30-59 days late {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX CO All of these accounts have violated my rights, Im a US Veteran that was stuck XXXX  during the Covid Pandemic, My ex wife which I have a Police report on file, Used my and destroyed my credit, I have tried on numerous of times to get these items deleted. 

15 U.S.C 1681 602 A States I have the right to Privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting Agency can not furnish my account, without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information. other than records convictions of crimes which antiendates the report by more than 7seven years.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$600.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX : XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXX XXXX Balance : {$600.00}

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