vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 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: TN

Complaint narrative:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 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: LA

Complaint narrative:
In accordance with the Fair Crefit Reporting Act Convergent the accounts listed below 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. 

XXXX XXXX XXXX Account # XXXX Account Status : Closed Date Opened : XXXX XXXX Account Type : XXXX XXXX Balance on XXXX XXXX {$30000.00} Loan Amount : {$21000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Status : Closed Date Opened : XXXX XXXX Account Type : Utility Balance on XXXX XXXX, XXXX {$610.00} Loan Amount : {$610.00} Charge off XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Status : past due, assigned to attorney, or collecting agency Original Creditor : XXXX XXXX XXXX XXXX {$820.00} Balance updated XXXX XXXX Collection Opened : XX/XX/XXXX Account Info : Disputed by consumer XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXXccount # XXXX Account Status : past due, assigned to attorney, or collecting agency Original Creditor : XXXX {$940.00} Balance Updated XXXX XXXX Collection Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : Dispute resolved-Consumer disagrees {$1300.00} Balance Updated XXXX XXXX Collection Opened : Feb 18,2020 150 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Account # XXXX NO BUSINESS INFORMATION IS ON CREDIT REPORT Account Type : Collection Account Balance : {$95.00}

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 2022-03-17 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: LA

Complaint narrative:
In accordance with the Fair Crefit Reporting Act XXXX the accounts listed below 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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:
Recently I Disputed a XXXX XXXX  account with XXXX and Transunion regarding it not belonging to me. I received a generic response from Transunion saying they declined to block information I have identified for one of the following reasons : I made the request in error ( which I did not ), is misrepresentation of material fact ( which the fact is that this account was not authorized by me ), and I obtained possession of goods which is false, because there are no goods that were received.This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. At this point Transunion and XXXX continues to fail to do their job and refuses to correct information after being provided proof of inaccuracy. There has been absolutely no validation of this debt from either Transunion nor XXXX XXXX, and no proof what so ever that this account belongs to me. Per 1681a ( 2 ) ( B ) if a transaction was authorized by my social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from my consumer report. The only thing is that this alleged debt was not originated by my and no proof has been provided by Transunion nor XXXX XXXX.Notice, it is a fact. Transunion is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. No such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( e ) and the XXXX Account must be removed. This is my last warning before I seek civil and criminal charges for violation of my consumer rights.

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 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank ( formally SunTrust Bank ) issued new debit cards, before I can replace my new cards to my online accounts such as XXXX XXXX XXXX trusit had already allowed XXXX XXXX XXXX to have my new card info without telling me, and XXXX XXXX XXXX charge my truist checking account for a service, I didn't want to update my new card to XXXX XXXX XXXX that is why i never did, and Truist went along and gave the company my card info without my permission. I have incur overdrafts fees in the hundreds this is unfair, and at the same time truist is paying your debits/ purchases out of sequences. Causing more overdrafts. customer service is non existing and rude, your on hold for over and hour. 

How is it even possible for truist to give a customer info to a company with out permission? 

I never updated my new debit card with XXXX XXXX XXXX so how did they get it, it was accessed through truist

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 2022-03-17 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a safe checking account with Bank of America about three years ago. The reason I opened this account was so I could never over draw my checking account. 

I was living in a hotel for a few months last year. I was charged several times for charges that were not authorized and in fact were suppose to be credited to my account. Bank of America Allowed these charges to go through when I didnt have money in my checking account. When they never allowed charges to ever go through before. These charges were placed on 2 different occasions a and I submitted a claim with Bank of America. They paid 3 of out of the 6. 

This has caused so many problems for me I no longer have a checking account cause it was closed due to my account being over drawn XXXX dollars I feel like I was taken advantage of and Bank of America refuses to help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17 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: NY

Complaint narrative:
I noticed a collection showed up on my credit report by XXXX XXXX XXXX stating original creditor as XXXX XXXX XXXX I in the amount of {XXXX XXXX contacted XXXX and Experian with a dispute, I have never had any accounts with XXXX XXXX XXXX, and have never heard of them, and have never recieved any phone calls or letters from them or from XXXX XXXX XXXX. XXXX and Experian did not remove it, they state the granter verified it. That is impossible.

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 2022-03-17 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:
Recently I Disputed a XXXX XXXX  account with Experian and XXXX regarding it not belonging to me. I received a generic response from XXXX saying they declined to block information I have identified for one of the following reasons : I made the request in error ( which I did not ), is misrepresentation of material fact ( which the fact is that this account was not authorized by me ), and I obtained possession of goods which is false, because there are no goods that were received.This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. At this point XXXX and Experian continues to fail to do their job and refuses to correct information after being provided proof of inaccuracy. There has been absolutely no validation of this debt from either XXXX nor XXXX XXXX, and no proof what so ever that this account belongs to me. Per 1681a ( 2 ) ( B ) if a transaction was authorized by my social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from my consumer report. The only thing is that this alleged debt was not originated by my and no proof has been provided by XXXX nor XXXX XXXX, it is a fact. XXXX is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. No such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( e ) and the XXXX Account must be removed. This is my last warning before I seek civil and criminal charges for violation of my consumer rights.

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 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On or around XX/XX/2022 Capital One closed my accounts without the secured party consent, after making billing error disputes. Pursuant to ( 12 CFR 1026 regulation z ) Capital One is in violation. Also, these said accounts are property of XXXX with equitable copyright claims on the public record in the State of Missouri. As a XXXX of said accounts I'm ordering Capital One to open the closed accounts expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: NY

Complaint narrative:
I noticed a collection showed up on my credit report by XXXX XXXX XXXX stating original creditor as XXXXXXXX XXXX XXXX I in the amount of {$1300.00} XXXX contacted Transunion and XXXX with a dispute, I have never had any accounts with XXXX XXXX XXXX, and have never heard of them, and have never recieved any phone calls or letters from them or from XXXX XXXX XXXX. Transunion and XXXX did not remove it, they state the granter verified it. That is impossible.

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 2022-03-17 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:
Box 1 : XXXX XXXX Department : Remove fraudulent accounts from my credit report.

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 2022-03-17 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: NY

Complaint narrative:
To Whom It May Concern : I recently submitted a request for an investigation of an which you refused. I Report Confirmation XXXX enough information for you to carry out a reasonable investigation of my dispute since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than using your e-Oscar system, you would have known that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 
It is at this time that I will point out that in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As XXXX sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of 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 non-monetary relief
Consumer complaint received 2022-03-17 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: NY

Complaint narrative:
To Whom It May Concern : I recently submitted a request for an investigation of an which you refused. I Report Confirmation XXXX enough information for you to carry out a reasonable investigation of my dispute since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than using your e-Oscar system, you would have known that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 
It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As XXXX sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of 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 2022-03-17 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation