vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX  ) ( A ) and 611 ( a ) ( XXXX  ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am disputing multiple charges on my The Children 's place may place rewards credit card Which is a Comenity Bank owned company ( recently switched to Bread Financial ) Multiple unauthorized purchases were made between XX/XX/2022 and XX/XX/2022. 

XX/XX/2022 Interest Charge On Purchases {$23.00} XX/XX/2022 LATE FEE {$30.00} XX/XX/2022 PURCHASE {$260.00} XX/XX/2022 PURCHASE {$220.00} XX/XX/2022 PURCHASE {$230.00} XX/XX/2022 PURCHASE {$250.00} I did not make these purchases and I do not know where they came from. There are not even any purchases on my store account which I find odd. I spoke to XXXX on XX/XX/2022 Who opened a case # XXXX, I was told it could take 90 days for it to be resolved, which I understand since this is not the first time I have had to file reports of fraudulent activity. However, I am being charged late Fee and interest charges which is unfair. Along with the multiple calls everyday and now text messages stating I owe money The Total amount as on XXXX XX/XX/2022 is {$1000.00} This also will most likely affect my Excellent Credit Score Rating, which I worked so hard to get back up into good standings. 
I can be reached by email XXXX I do not answer my phone for unknown numbers anymore after being harrassed by debt Collectors. 
Thank you for your time in this manner, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This account was opened on XX/XX/2017. In have tried disputing it since as I am not aware of this account, it was not me who opened it. However I was unable to reach a manager amongst attempting numerous times. I have repeatedly received calls over the years. I tried resolving it as this is inaccurate information on my credit report and no resolution was made. I would like for this account/collection to be deleted from my account as it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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 have been disputing with the Credit Bureaus for the immediate removal of the Fraudulent accounts and information being reported on my Credit File. It has been 5 months since I started disputing my Credit Report but it seems like the Credit Bureaus have become negligent of the Federal statute and their duty with the FCRA. Under the Fair Credit Reporting act section 605b, the Credit Reporting agencies are required to remove any accounts and information that resulted due to identity theft. But the Credit Bureaus have been ignoring my Disputes. The last letter I sent to the Credit Bureaus was dated XX/XX/2022, with the same Attachments I have been attaching from my previous Dispute letters. The Credit Bureaus have been claiming that the disputed items are verified and reports accurate information. However, they have failed to send me copies of proof of verification or any documents bearing my signature. I can say that the Credit Bureaus have been ignoring my disputes as well neglecting the FCRA regulations because the Accounts ' dispute status are still reporting as " Account not Disputed '', despite the fact that I have been disputing my Credit File for 5 months already. Under the FCRA section 605b, I am requesting that the Credit Bureaus stop their erroneous reporting and remove or delete the disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}

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 2022-09-23 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 disputing with the Credit Bureaus for the immediate removal of the Fraudulent accounts and information being reported on my Credit File. It has been 5 months since I started disputing my Credit Report but it seems like the Credit Bureaus have become negligent of the Federal statute and their duty with the FCRA. Under the Fair Credit Reporting act section 605b, the Credit Reporting agencies are required to remove any accounts and information that resulted due to identity theft. But the Credit Bureaus have been ignoring my Disputes. The last letter I sent to the Credit Bureaus was dated XX/XX/2022, with the same Attachments I have been attaching from my previous Dispute letters. The Credit Bureaus have been claiming that the disputed items are verified and reports accurate information. However, they have failed to send me copies of proof of verification or any documents bearing my signature. I can say that the Credit Bureaus have been ignoring my disputes as well neglecting the FCRA regulations because the Accounts ' dispute status are still reporting as " Account not Disputed '', despite the fact that I have been disputing my Credit File for 5 months already. Under the FCRA section 605b, I am requesting that the Credit Bureaus stop their erroneous reporting and remove or delete the disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX  XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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:
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 2022-09-23 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:
.Ive submitted police reports and ftc reports of this said fraud. This reported information is in violation of my federally protected consumer rights under 15usc 1692g and 15usc 1681b2 and not in compliance with metro 2 standards. This serves as official notice of intent to file suit where my legal staff will seek full compensation for punitive damages per fcra policy you have 30 calender days as of this notice to correct said inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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:
Bureaus are ignoring my request for correction of the disputed accounts. After I ordered my updated Credit Report, I noticed that the Credit Bureaus indicates that the disputed accounts ' dispute status are " Account not Disputed '' despite the fact that I have been disputing my Credit file for 5 months already. It makes me wonder whether the Credit Bureaus are really contacting the Creditors to investigate the accounts, or are they really conducting an investigation. Also this CFPB complaint is my 11th Complaint to be submitted still requesting that the Credit Bureaus correct the information they present on my Credit report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6000.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$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 2022-09-23 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:
Bureaus are ignoring my request for correction of the disputed accounts. After I ordered my updated Credit Report, I noticed that the Credit Bureaus indicates that the disputed accounts ' dispute status are " Account not Disputed '' despite the fact that I have been disputing my Credit file for 5 months already. It makes me wonder whether the Credit Bureaus are really contacting the Creditors to investigate the accounts, or are they really conducting an investigation. Also this CFPB complaint is my 11th Complaint to be submitted still requesting that the Credit Bureaus correct the information they present on my Credit report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$6000.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 2022-09-23 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
M & T BANK XXXX Open Date 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 2022-09-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
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 is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, BANK OF AMERICA XXXX Open Date XX/XX/2005 Balance : {$25000.00}

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 2022-09-23 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: NY

Complaint narrative:
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 is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, CITICARDS CBNA XXXX Open Date XX/XX/2010 Balance : {$7200.00}

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 2022-09-23 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: MO

Complaint narrative:
Im resubmitting 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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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 2022-09-23 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:
.Ive submitted police reports and ftc reports of this said fraud. This reported information is in violation of my federally protected consumer rights under 15usc 1692g and 15usc 1681b2 and not in compliance with metro 2 standards. This serves as official notice of intent to file suit where my legal staff will seek full compensation for punitive damages per fcra policy you have 30 calender days as of this notice to correct said inaccurate information

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