vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: CT

Complaint narrative:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  Date opened XXXX XX/XX/XXXX Balance : {$430.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$800.00} ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on 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 2022-11-03 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: United Revenue Corporation
State: TX

Complaint narrative:
I sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: I.C. System, Inc.
State: TX

Complaint narrative:
I sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

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 2022-11-03 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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-11-03 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: CT

Complaint narrative:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  Date opened XXXX XX/XX/XXXX Balance : {$430.00} ; XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX XXXXE XXXX Date opened : XX/XX/XXXX Balance : {$800.00} ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on 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 2022-11-03 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: CT

Complaint narrative:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  Date opened XXXX XX/XX/XXXX Balance : {$430.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX {$520.00} ; XXXX - XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$800.00} ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My XXXX Credit Report was accessed for XXXX Purposes by the Transunion reporting agency without my authorization and permissible purpose on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have sent correspondence to the responsible party on what my requests are.

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 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Credit and Collections Inc.
State: MO

Complaint narrative:
In XX/XX/2022 I received a letter from United Credit and Collections stating I owed {$1900.00}, for a previous apartment. After several failed calls to the collection agency I decided to initiate contact through email and mail. On XX/XX/2022 I sent an email proving the charges were inaccurate. The collection agency then called and said the {$1100.00} charge was not for the original reason if me not giving proper notice to vacate but I was giving a $ XXXX for illegitimate military orders. I then advised that was not true and they do not have legal grounds to charge me a fee for that reason. The lease doesnt support that charge nor does the law. They still put it in my credit. I got it removed and the reinserted it again after I proved that they were wrong. She insulted me disrespect me and hung up. There are so many complaints about this agencys repeated offenses and they seem to go unheard. This has altered my business and my personal life dramatically and it is illegal. Please help us!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
This is regarding Cash App. I was to send a {$30.00} payment to someone who actually has a cash tag that a scammer has copied with only a slight difference, in order to fool people into sending the money to them. I immediately noticed the error and reached out to Cash App as well as sending a refund request to the individual whom was accidentally selected. Cash App denied me any assistance in correcting the error and the individual denied my refund request. This has happened before and see Cash App isn't doing anything to place safeguards in place so that it isn't so easy to make this type of error. I simply want my {$30.00} back for which I know Cash App could XXXX intervened as I contacted them with minutes of the error however ; they choose the side scammer which in my view as well as others I'm sure makes them complacent on the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality USC 1681 Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX # XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 Section 602 A It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In accordance with the fair creditors reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open Consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am recently XXXX XXXX XXXX classes and have been for the third XXXX  and went through and looked at my financial aid money coming in and don't agree with what they're taking from me. They are taking transportation cost and personal expense cost and also living costs. That money should be coming to me each semester and they are taking that instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-03 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: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-03 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: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXChapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-03 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality USC 1681 Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX # XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 Section 602 A It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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