vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-16 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: WA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My demand for you to help me give all the info as to who you talked to just like the addresses and names of the person or persons approached has sadly not been satisfied. So now I am deliberating court action and also have established the operation of calling legal " aid ''. I'm inquiring for one last moment in which you still take me using the data that was previously asked and furthermore make sure deliver me with a duplicate of the contract agreed upon or voice dialogue where I documented charging me within this account. Otherwise, it's best to pull this out of my credit report in accordance with the Fair Credit Reporting Act and the Fair Credit Billing Act. Additionally, there is no name associated with this file & needs to be deleted due to inaccurate information. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
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. This was already included in my prior complain, and I'm including it again. 
CITI XXXX Date Opened : XX/XX/XXXX Balance : {$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 2022-09-16 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: IL

Complaint narrative:
On XX/XX/2022 I sent the Consumer Reporting Agencies a Certified letter ( tacking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) asking each Consumer Reporting Agency to provide me with the documentation where I XXXX XXXX XXXX ( the Consumer ) gave the Consumer Reporting Agencies written Instructions to Furnish or publish an account on my Consumer Report. in According to the FCRA Permissible Purposes of Consumer Reports 15 USC 1681b ( 2 ). its now XX/XX/2022 and I still have not received that document from the CRA 's I also asked the Consumer Reporting Agencies to do a full investigation of the accounts that is reporting on my consumer report. the Consumer Reporting Agencies Stated ACCOUNT NAME : XXXX XXXX ASSOC ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX was properly investigated and all the Information was accurate, but how is that possible if the Open date is inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, the Account type is inaccurate and the past due is inaccurate these are grounds for Deletion. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate So once again the law clearly states a consumer reporting agency can not furnish any accounts on my consumer report without my written instructions. and I never gave no one written instruction to furnish 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 non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2022 I sent the Consumer Reporting Agencies a Certified letter ( tacking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) asking each Consumer Reporting Agency to provide me with the documentation where I XXXX XXXX XXXX ( the Consumer ) gave the Consumer Reporting Agencies written Instructions to Furnish or publish an account on my Consumer Report. in According to the FCRA Permissible Purposes of Consumer Reports 15 USC 1681b ( 2 ). its now XX/XX/2022 and I still have not received that document from the CRA 's I also asked the Consumer Reporting Agencies to do a full investigation of the accounts that is reporting on my consumer report. the Consumer Reporting Agencies Stated ACCOUNT NAME : XXXX XXXX ASSOC ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX was properly investigated and all the Information was accurate, but how is that possible if the Open date is inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, the Account type is inaccurate and the past due is inaccurate these are grounds for Deletion. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate So once again the law clearly states a consumer reporting agency can not furnish any accounts on my consumer report without my written instructions. and I never gave no one written instruction to furnish 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 2022-09-16 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-16 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: NJ

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. 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 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. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-09-16 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: NJ

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. 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 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. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: NJ

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. 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 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. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$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 2022-09-16 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 2000, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX has violated my rights.

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

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand 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 explanation
Consumer complaint received 2022-09-16 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-16 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: TX

Complaint narrative:
I have, in all respectful ways, requested that these two accounts be reviewed ; and that all signed and binding contracts between XXXX and myself be put forward and produced and put in full exhibit before these credit reporting agencies to report truthfully and rightfully. 

1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 2. Account name : XXXX XXXX XXXX  Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: TX

Complaint narrative:
I have, in all respectful ways, requested that these two accounts be reviewed ; and that all signed and binding contracts between XXXX and myself be put forward and produced and put in full exhibit before these credit reporting agencies to report truthfully and rightfully. 

1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 2. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.

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 2022-09-16 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours
State: NV

Complaint narrative:
This is a company that is an app that you download on your phone and you can borrow money. You can also earn money by making purchases and getting gas and things like that. I did in fact use their service a couple times this past year as I have used their service before over a couple years ago. I noticed that I was starting to have credits come into my account and then taken back out from them. I tried to contact them and the only way to get a hold of them is through their chat. I constantly ask them to delete my bank account information. And they told me they could not. I was told to just delete the app but deleting the app does not stop them from having access to my bank. 
They say they do not have phone communications in case they need screenshots and things. I contacted them to let them know that the activity that they were doing on my account was not authorized by me. They were ignoring what I was telling them so I ended up contacting my bank. My bank started a dispute and they actually credited me with a provisional credit the amount that Earnin had taken from me. During this process I have been continuously contacting Earnin through the chat and I finally got them to contact me through email. But half the time they do not respond properly to what you were saying because youre basically talking to a robot. 
The responses to the chat and through the email seem robotic. I have taken screenshots of most of our conversations once I realize things were not going my way. I told them many times I felt they were they were being fraudulent and that I was going to report them. 
They just were not responsive to what I was telling them. They were telling me that any charges me to my account had to have been my fault. 
Now today I received a letter from my bank telling me I needed to provide proof that I attempted to cancel with Earnin because they manage to somehow create a spreadsheet showing credits and debits from them. Of course there are credits and debits from them but that does not mean that I did those. I feel like somebody at the company is somehow making extra money doing credits and debits from peoples accounts. The spreadsheet earnings sent to my bank looks like something anybody could type up. Theres no heading theres no anything that would really prove that I did those transactions. So now Im concerned that my bank is going to deny my initial claim and make me give back all that money meaning I am now out money twice because of this company.

Company response to consumer: Closed with explanation