vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXXXX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Block these fraudulent items that are reported in my file : XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; GA XXXX XXXX XX/XX/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 2023-02-18 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: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Block these fraudulent items that are reported in my file : XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; GA XXXX XXXX XX/XX/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 2023-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XX/XX/ 2023 I reviewed a copy of my credit report and noticed an account from this company that i do not recognize. They are alleging i owe them money but yet have not provided me with any type of proof that this debt actually belongs to me, there is absolutely no contract between me and this company. In addition they are reporting to my consumer report without my authorization, and this erroneous account is affecting my credit worthiness and ability to obtain a home loan. I am devastated because I need to be able to purchase a home so that my ill XXXX mother can move in with me, I am the only person she has left. This company has not proven this debt belongs to me which is a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. They are defaming my character and violating 15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. You are harming my reputation with the alleged debt. Also 15 U.S. Code 1692j - Furnishing certain deceptive forms. Because of these violation i reserve the right to pursue legal action as outlined in 15 U.S. Code 1692k - Civil liability. I do not recognize this account and believe this to be an error, this company needs to remove from my credit report or provide me with proper validation as outlined in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMD Investment Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX This is a workers comp claim which both me and my workers comp specialists have reach out to the hospital to submit there claim form but they keep sending me collections letter

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XX/XX/2022. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} XXXX XXXX XX/XX/2022. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
In XX/XX/2023 I reviewed a copy of my credit report and noticed an account from this company that i do not recognize. They are alleging i owe them money but yet have not provided me with any type of proof that this debt actually belongs to me, there is absolutely no contract between me and this company. In addition they are reporting to my consumer report without my authorization, and this erroneous account is affecting my credit worthiness and ability to obtain a home loan. I am devastated because I need to be able to purchase a home so that my ill elderly mother can move in with me, I am the only person she has left. This company has not proven this debt belongs to me which is a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. They are defaming my character and violating 15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. You are harming my reputation with the alleged debt. Also 15 U.S. Code 1692j - Furnishing certain deceptive forms. Because of these violation i reserve the right to pursue legal action as outlined in 15 U.S. Code 1692k - Civil liability. I do not recognize this account and believe this to be an error, this company needs to remove from my credit report or provide me with proper validation as outlined in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: NC

Complaint narrative:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX - XXXX Bank of America and disputed credit card charge of {$5300.00} and {$300.00} from XX/XX/XXXX and XX/XX/XXXX for Why XXXX XXXX Also highlighted the amounts {$300.00}, {$300.00}, {$100.00}, {$600.00} they charged between XXXX and XX/XX/XXXX from my checking account. I explained them everything in detail on how this company has scammed me and is scamming several people out there. 

XX/XX/XXXX - Bank of America sent me letter to send all the proofs to them by XX/XX/XXXX. 

XX/XX/XXXX - I sent all the paperwork to Bank of America explaining how I was scammed and did not get the products or services as portrayed. 

XX/XX/XXXX - Bank of America denied my claim saying company has to be paid for the work which clearly means they did not go through the documentation I sent which shows in great length how they scam people and did not deliver the product and service they said. 

XX/XX/XXXX - I called Bank of America and appealed the decision and requested them to go through the documentation and do some research online to see how this is a scam. 

XX/XX/XXXX - Bank of America denied my appeal with the same reason as they put in denied letter. 

XX/XX/XXXX - I called Bank of America and asked them to send me all the paperwork that led them to believe that this is not scam and they have done work. I have not yet received anything.

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 2023-02-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Pentagon Federal Credit Union did not disclose the exact percentage that would be added when converting to a fixed rate loan. This was never disclosed in any verbal nor written communication. The load begins with an introductory rate of .99 % for the first 6 months and then moves to a variable rate loan. What was not disclosed is that to convert to a fixed rate loan they add an additional .25 % as well as 3 % on top of the prime rate. During the application process this 3 % was not disclosed.

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 2023-02-18 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: LA

Complaint narrative:
This is my follow-up request that I have been a victim of identity theft because no one seems to care that I want to dispute specific records in my credit file that do not belong to me, the items I am disputing have nothing to do with my transactions whatsoever. 

Please block these items : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX, LA 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 2023-02-18 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: NC

Complaint narrative:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXXXXXXBalance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX  ; XXXX  XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-02-18 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update in my credit file XXXXT XXXX Balance Owed : {$670.00} ; XXXX XXXX XXXX Balance Owed : {$630.00}

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update in my credit file XXXX XXXX Balance Owed : {$670.00} ; XXXX XXXX XXXX Balance Owed : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: AR

Complaint narrative:
I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I've provided the report in this complaint as required by FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$2100.00} CAPITAL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX NA XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA XXXX XXXX ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than XXXX business days following the date of receipt.

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 2023-02-18 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting onmy credit report which is a violation of FCRA. The Bureaus failed to comply with FairCredit Reporting Act, 15 USC sections 1681i within the time declared by law, they failedto properly investigate the matter by using a third party as their verification provider andhave continued reporting the unconfirmed & unverified information. Given all myattempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent andnon-complying with federal statutes & I need this matter handled immediately. Pleaseremove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXX XX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX*Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA 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