vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 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: GA

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS XXXX XXXX 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 2022-07-25 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: GA

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS XXXX XXXX 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 2022-07-25 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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$410.00}.

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 2022-07-25 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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, around XXXX XXXX, I was threatened by an XXXX XXXX  at the apartment complex for witnessing a XXXX  that ended up being on the news. While living at my residence there were reports of an XXXXXXXX XXXX man who had XXXXXXXX XXXX a XXXX female at her front door. a car followed me with a XXXX female threatening me to call the cops on me because I fit the description of an XXXXXXXX XXXX  male that did the XXXXXXXX XXXX. I was very offended by this, I assured the woman that it wasn't me and how I just moved her regardless of what I told her she continued to accuse me. in today 's climate would've been arrested with no questions asked putting my life in danger. XX/XX/XXXX around XXXX pm, I had to walk my dog before turning in for the night. While walking my dog, a woman approached me nicely and calmly and asked to pet my dog, even though I noticed she reeked of XXXX, I allowed her to touch my dog. After that it went Left from there, she started to yell at me saying " It's my dog it's my dog, you stole my dog!!! '' Side note Almost everyone in my area has seen me with my dog every day, she is also my XXXX XXXX animal and I cherish her. With that being said luckily there were witnesses outside at the time that was wondering why she was screaming with tears in her eyes. I wasn't sure if the the woman was XXXX XXXX  or what the problem was. I spoke with the manager at the property at that time was XXXX XXXX. she stated my partner, and I can leave with no consequence, and she also sign a document. In total, XXXX  XXXX XXXX XXXXXXXX XXXX stated I owe {$3200.00}. a majority of the amount went to XXXX XXXX XXXX XXXXXXXX for me to pay them {$2400.00}, and XXXX went to my roommate and I credit under HUNTER WARFIELD. While the manager stated it would be on my credit report nor my roommate 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: MD

Complaint narrative:
My son who has an XXXX account gave me a card to use for emergencies. I now have his account on my credit report as belonging to me which is lowering my score. His balance is more than I make in XXXX XXXX as I work part-time. I am about to purchase a car and my credit score should be higher but because of this error on my report, it is not. 

I have complained to Experian twice, explained the situation, sent them his contact info. They refuse to remove it. I am NOT in any way responsible for paying this bill which runs {$37000.00} a month. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
PayPal email : XXXX My account with PayPal was in good standing for several years, until it was suddenly closed by them with no explanation as to why. Initially I was told that I would receive my funds 180 days after they permanently limited my account, however this was a lie, as it has long surpassed 180 days and yet I have not received a penny.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: PA

Complaint narrative:
XX/XX/XXXX, I saw a charge of {$260.00} from Midland Credit Management. I called Midland Credit Management and the person on the phone said a personal check had been written to XXXXXXXX XXXX on XX/XX/XXXX to purchase a XXXXXXXX XXXX  that was used for 6 years when payment on the card stopped. Previous balance on the XXXXXXXX XXXX statement is {$87.00}. The original account number from XXXXXXXX XXXX is XXXX. Date of charge off was XX/XX/XXXX. Current Servicer is Midland Credit Manageent , Inc. Date purchased XX/XX/XXXX. The letter from XXXXXXXX XXXX is addressed at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have never had an account with XXXXXXXX XXXX and I never had a XXXX XXXX. This a fraud and identify theft. Thank you for our attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX saying I have a amount due of XXXX from a XXXX exchange. I called the XXXX dispute number at the bottom of the email at XXXX ( XXXX ) XXXX and was told to follow the directions on the phone to correct the situation and would be transferred back and forth from their tech department to help resolve the issue. I was told to download a app supported by XXXX called XXXX and that the dispute issue would be done within minutes. I was told that my data had been breached and the XXXX activity was done around XXXX and they asked if I had been doing any transactions around that time and if anyone else had access to my accounts. I followed the steps directed to me and was told to make payments in amounts of XXXX, XXXX, and XXXX. The amount of XXXX was denied and I thought made sense because they said that the transaction would bounce back instantly and this is part of fixing the issue. I was told to make similar transactions to fix the situation but the amounts never came back. I called chase and was told my issue is for the fraud department and they had been closed and that I called too late, and was given the fraud department number and hours. I called XXXX to the chase fruad department and was told that my claim has been filed and that there will be a chance to get my funds back but nothing is promised. I was told to contact XXXX so they could file a complaint with them as well. XXXX took the names and numbers of the contacts I made the transfers to and was told that is all they can do and to call chase bank to file a compliant with their XXXX department too. I called chase and they said they dont have a chase XXXX department and sent me back to the fraud department. I called chase fruand to follow up the next day and was told that the transactions had been completed and theirs nothing an can be done. I called XXXX to follow up and they said to call my bank because XXXX inst responsible for bank transactions. I looked up next steps in recovering from fraud and XXXX complaints and found the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: CA

Complaint narrative:
How many letters and complaints do I have to submit to the Credit Bureaus for them to comply with the FCRA section 605b? Upon Reviewing an updated copy of my Credit reports, I was disappointed to see that the Credit Bureaus have done nothing and cotniued reporting the unverified information on my Credit Report. I previously complaint about the same issues and requested that the Credit Bureuas provide me with copies of documentation which bears my signature to support the Credit Bureaus claims that the Disputed Items belong to me. The Credit Bureaus were given by the FCRA ample amount of time and repsond to my Letters and yet they have to do so. I am submitting this complaint to protect my rights under the Fair Credit Reporting Act section 605b and correct my Credit Report from erroneous and fraudulent information. I need the following items removed from my Credit File immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}

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 2022-07-25 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 have been disputing the account XXXX XXXXXXXX XXXX  XXXX XXXX XXXX with a Balance of {$2100.00} and Date Opened on XX/XX/2018 by sending written letters to the Credit Bureaus XXXX But despite all my efforts to have this account corrected, the Credit Bureaus have been ignoring my requests. The information this account reports is outdated and inaccurate! The Credit Bureaus are required to correct the reporting of this account under the FCRA section 609 and section 611 inorder to report accurate information only on a consumer 's Credit report. I am submitting this complaint to remind the Credit Bureaus of their obligation to comply with the FCRA regulation and correct 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 explanation
Consumer complaint received 2022-07-25 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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or were opened without my permission. 

AXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX. 

According to FCRA Section 605B ( a ) the 3 credit bureaus shall block 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.

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 2022-07-25 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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. 

According to FCRA Section 605B ( a ) the 3 credit bureaus shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
I have been a victim of identity theft and I have continued to reach out to XXXX and they still have not removed these accounts from my report! I filed a police report, filed an FTC report, Submitted all documents to them and still have not removed it from my credit report. They are reporting incorrect and false information. Please have them remove these accounts from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have been a victim of identity theft and I have continued to reach out to XXXX and they still have not removed these accounts from my report! I filed a police report, filed an FTC report, Submitted all documents to them and still have not removed it from my credit report. They are reporting incorrect and false information. Please have them remove these accounts from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
I submitted a letter to the XXXX Credit Bureau XX/XX/2022 to update this suspicious information.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. PHH MORT SVC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation