vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 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: NY

Complaint narrative:
It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that Experian, XXXX, and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$910.00} XXXX ( original creditor : 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 2022-07-13 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: CBC Companies, Inc.
State: AZ

Complaint narrative:
I was shopping for a home refinance a couple months back and they reassured me that I would only get one hard inquiry on my credit report. All the pulls were within a short window and I have complained to XXXX XXXX XXXX XXXX. They removed one of the three and The other two are there days apart one on XX/XX/2022 from XXXX mortgage Ser The 2nd one is on XX/XX/XXXX from XXXX XXXX. 
They removed one but I was told in the short window can shop and only have one hard inquiry on your report. 
Thank you and kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: GA

Complaint narrative:
In previous months, I requested the correction of inaccurate accounts which another credit reporting agency found to be inaccurate and had updated. Due to the Bureau 's lack of response which I classify as frivolous. Experian, XXXX, and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2022-07-13 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ( Experian ) ; XXXX XXXX XXXXXX/XX/2022 ( XXXX ) ; XXXX XXXX XXXX XX/XX/2022 ) has lead me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX doc reflecting all items that were found to be authorized by any such. Please remove ASAP.

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 2022-07-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The life at XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 2022-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accounts Interchange Group LLC
State: AR

Complaint narrative:
On XX/XX/2022 XXXX from AIG Accounts Interchange Group for XXXX XXXX XXXX XXXX XXXX contacted my mom looking for me. She was told I do not live with her but that she would let me know that she called and give me her number. I was given the number and tried to called but obtained a voicemail. I left my name and number, believing that this was in regards to an insurance quote. I did not receive a call back, but my mom was called again on XX/XX/2022 in the am. I was working on XX/XX/2022 but when I came home I noticed that the number I had called had called my home phone that morning at XXXX. I called the number back at XXXX on XX/XX/2022 and spoke with XXXX XXXX. She let me know she was with AIG and said that I owed a debt to XXXX XXXX and in order to avoid further judiciary action I needed to pay what I owed. I explained to her that I wasn't going to be paying anything, that I didn't know of a debt with XXXX XXXX, and upon speaking for a period of time she finally said she was with a debt collection agency attempting to collect a debt. I told her that I had not received anything from her company by mail regarding the debt, nor had I received any calls personally from them and wanted her to explain why they hadn't called me, but called my mom. XXXX stated I never answered my phone, which they never had tried to call and when she asked to verify my email address, what she had on file wasn't my correct email address. I gave her my correct email address and she forwarded a generic letter to me dated XX/XX/2022 with little to no information on regarding the debt. When I said I would need to investigate this further on my end she sent me the online application with the company that I supposedly signed then stated she knew I had did the application because the IP address matched my location, she stated this multiple times in our conversation then also stated that I had several, as a matter of fact 5 different IP address. I let her know that there are many people that have access to my IP address and that an IP address can be manipulated. At that time I let her know that I would be looking into this but that she was not to contact my mom again and that she contact me by mail only. Since speaking with XXXX on XX/XX/2022, I received phone calls from her on my home phone number on XX/XX/2022 at XXXX, my cell phone XX/XX/2022 at XXXX and again at XXXX, XX/XX/2022 at XXXX and again on my home phone on XX/XX/2022 at XXXX and XXXX. I work and can not make/take personal calls. I have looked into this and am disputing this debt, but she continues to call. I have a letter I am preparing to send AIG.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$680.00}

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 2022-07-13 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: TX

Complaint narrative:
I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-13 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 am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-13 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:
It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, XXXX, and Transunion decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$910.00} XXXX ( original creditor : XXXXXXXX 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 2022-07-13 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:
It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, Equifax, and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$910.00} XXXX ( original creditor : 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 2022-07-13 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting in XXXX : XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX TRANSUNION : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-13 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting in XXXX : XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX EQUIFAX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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 XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-07-13 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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:
I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. I started send in Dispute letters to the Credit Bureaus on XX/XX/2022 until XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, the Credit Bureaus seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that the Credit Bureaus investigate and verify the accuracy of the items I am disputing by providing me with documents which bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding then investigation and the documents I have been requesting, but after a time of waiting, the Credit Bureaus sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothin to correct my Credit File. Now, I am submitting this complaint to urge the Credit Bureaus to remove the disputed items with or without proper investigation since the time allotted for the Credit Bureaus to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX XXXX XX/XX/2022

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