vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-26 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:
See documents attached. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2022-12-26 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: MA

Complaint narrative:
I am comprehending that the credit reporting agencies, XXXX, Experian, and XXXX MUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to " report '' my PRIVATE information for the public corporations to see. 

Thank you for your time and effort in this important and urgent matter.

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 2022-12-26 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: NY

Complaint narrative:
I MISSED A DOCUMENT ON THE LAST COMPLAINTS. DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-26 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: NY

Complaint narrative:
I MISSED A DOCUMENT ON THE LAST COMPLAINTS. DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : XXXX XXXX AV XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Credit cards opened by thief : XXXX Account Number : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-26 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:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-26 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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you reported my mortgage account status as Bank Adjustment/Deed-in-Lieu/Bank Liquidation. My account has NEVER been in this status. If so, PROVIDE ME THE PROOF. I demand that you remove EVERY SINGLE ONE of these ERRONEOUS, INACCURATE & KNOWINGLY UNTRUE Statuses from my ENTIRE credit files. 

To XXXX XXXX XXXX XXXX ( XXXX ) : Acct # XXXX. XXXX  was ORDERED by the CFPB to transfer my mortgage account to you, due to them PREVENTING me from being approved for a MODIFICATION. XXXX  was also ORDERED by the CFPB to CEASE & DESIST ALL FORECLOSURE PROCEEDINGS. 
We were in court proceedings to agree on a MODIFICATION, NOT A FORECLOSURE and certainly NOT a Bank XXXX XXXX XXXX Then in XXXX the courts shut down. I am currently & INDEFINITELY protected under the Mortgage XXXX. 
You were NEVER PERMITTED to proceed with ANY foreclosure proceedings. 

From XXXX until XX/XX/XXXX, you, XXXX have reported my mortgage account status as Bank XXXX XXXX XXXX XXXX My account has NEVER been in this status. If so, PROVIDE ME THE PROOF. 
XX/XX/XXXX, you ALSO reported my account status as CLOSED. MY ACCOUNT IS NOT CLOSED. IT HAS NEVER BEEN CLOSED. If so, PROVIDE ME PROOF. I NEED the Document & Exact Date of Closure.

I demand that you remove EVERY SINGLE ONE of these ERRONEOUS, INACCURATE & KNOWINGLY UNTRUE statuses from my ENTIRE credit files. 
XXXX & XXXX, you both have a LEGAL responsibility bound by the FRCA to report Accurately, Fair & True information to my credit file. Anything on the contrary is a VIOLATION of the Federal Laws and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX : To XXXX : From XXXX until XX/XX/XXXX, you reported my mortgage account status as Bank Adjustment/Deed-in-Lieu/Bank Liquidation. My account has NEVER been in this status. If so, PROVIDE ME THE PROOF. I demand that you remove EVERY SINGLE ONE of these ERRONEOUS, INACCURATE & KNOWINGLY UNTRUE Statuses from my ENTIRE credit files. 

To XXXX XXXX XXXX XXXX ( XXXX ) : Acct # XXXX. XXXX was ORDERED by the CFPB to transfer my mortgage account to you, due to them PREVENTING me from being approved for a MODIFICATION. XXXX was also ORDERED by the CFPB to CEASE & DESIST ALL FORECLOSURE PROCEEDINGS. 
We were in court proceedings to agree on a MODIFICATION, NOT A FORECLOSURE and certainly NOT a Bank Adjustment/Deed-in-Lieu/Bank Liquidation . Then in XXXX the courts shut down. I am currently & INDEFINITELY protected under the Mortgage Moratorium. 
You were NEVER PERMITTED to proceed with ANY foreclosure proceedings. 

From XXXX until XX/XX/XXXX, you, XXXX have reported my mortgage account status as Bank Adjustment/ Deed-in-Lieu/Bank Liquidation . My account has NEVER been in this status. If so, PROVIDE ME THE PROOF. 
XX/XX/XXXX, you ALSO reported my account status as XXXX. MY ACCOUNT IS NOT CLOSED. IT HAS NEVER BEEN CLOSED. If so, PROVIDE ME PROOF. I NEED the Document & Exact Date of Closure. 
I demand that you remove EVERY SINGLE ONE of these ERRONEOUS, INACCURATE & KNOWINGLY UNTRUE statuses from my ENTIRE credit files. 
XXXX & XXXX, you both have a LEGAL responsibility bound by the FRCA to report Accurately, Fair & True information to my credit file. Anything on the contrary is a VIOLATION of the Federal Laws and 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 2022-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-26 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: MA

Complaint narrative:
I am comprehending that the credit reporting agencies, XXXX, XXXX, and TransUnion MUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to " report '' my PRIVATE information for the public corporations to see. 

Thank you for your time and effort in this important and urgent matter.

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 2022-12-26 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: MA

Complaint narrative:
I am comprehending that the credit reporting agencies, Equifax, XXXX, and XXXX MUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to " report '' my PRIVATE information for the public corporations to see. 

Thank you for your time and effort in this important and urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2022, Chime locked my account due to fraudulent activity mind you Ive had this account for 2 years. So I place a call to see what the problem was! I was told they just needed proof of address and an a picture of my ID so I sent what they need me to send then I follow all the steps they have been asking me to follow. They will not give me any direct answers on how to fix my problem how to get my XXXX out of the account. Wont email me back! Im fed up I want my money that I could be using on bills my car is broken down and I have no access to MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Value city, never been in collection and has been paid off in full on time. This has been corrected and was fix bustier appear on my credit report. 

Ally Finance never late always on time payment. Contact consumer has been corrected but still appears on my credit report as a late payment.

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 2022-12-26 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: IL

Complaint narrative:
To whom this may concern, I am disputing experian reporting of accounts : I have dispute these same account atleast 3 times within the past 60 days. Each time the account has come back verified without any changes. 
Currently student loan payments are paused/defered until atleast XXXX of XXXX. That means payments are not due and are payments are not defaulted until XXXX of XXXX thats if they have not been fully forgiven. 
That is per the Government and is even on the website. XXXX has completely removed the account and XXXX is reporting it as current. Experian is reporting inaccurate information. Isn't There a pending Lawsuit against experian for refusing to corrent Account information? Between the XXXX CFPB and Attorney general I am hoping one of you organizations can make Experian abide by the law and correctly report. I will enclose proof of the error of reporting and violation of the Fair Credit Reporting Act. I am unfairly being locked out of loans and other Financial assistance. 
Not to be redundant but : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 of convictions of crimes which antedates the report by more than seven years.

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 Sincerely ; XXXX XXXX XXXX XXXX XXXX 
Email : XXXX Phone : ( XXXX ) XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX Acct. # XXXX, U.S. DEPARTMENT OF EDUCATION : Acct. # XXXX has violated my 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 2022-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I discovered a debit in my savings account at XXXX XXXX XXXX of XXXX dollars with the following description ( XXXX XXXX XXXX ). I have made multiple calls to the bank and I have requested an investigation for fraud, they do not solve the problem nor do they know where the debit comes from, I visited the bank of America branch and they mistreated me, they told me that the charge was authorized, to solve the problem with the other owners of the account. The collection was not authorized by any of the account owners, the bank simply took our money without authorization and they do not want to open an investigation for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I applied for this credit card to receive {$200.00} cash back after spending {$500.00} in the first XXXX XXXX. They did not send me a billing statement at the end of the XXXX. This is a brand new card or I would know when it was due to be paid. ( in addition, I was out of commission a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I really didn't notice how much time went by since I first used the card ) I only found out when I went to use it and my purchase was declined. 
I immediately, after completing my purchase with another card, called the number on the back of the credit card. I believe this was XX/XX/XXXX. It was an automated number and after finally getting it to transfer me to a live person I was disconnected. Not once, but XXXX times I tried to speak to someone. Next, I tried the social media way of getting their attention. They responded and said to message them. I did and they said they forwarded my complaint to the appropriate department. I have XXXX confidence in that promise and it has been a XXXX already with no word. I did find out they sent the bill to my email account. I do not have a working computer, my wi-fi is abysmal, and I rarely even look at my email anyway. Especially if I seemingly have no reason to. So, now the payment is late. I refuse to pay a late fee because they can't be bothered spending XXXX cents on a stamp, also, I want my {$200.00} sign on bonus. I have approximately an XXXX XXXX XXXX and I am extremely concerned this company is going to destroy it. When this is resolved you can be assured this card will be cut up and never be doing business with them again. I have plenty of other credit cards to use that don't give me such problems and no debt. I mean, who doesn't mail you a bill? Especially a card solicited to a senior age group. I can't help but think this is a banking scam. Thank you in advance for your help in resolving this problem.

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