vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-26 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: MA

Complaint narrative:
I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX is the only reporting agency out of the XXXX to remove the fraudulent items. I do not shop at the places listed. 

They are : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Reported : XXXX. XXXX, XXXX XXXX BANK XXXX  Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other XXXX credit reports.

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 2022-06-26 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX is the only reporting agency out of the XXXX to remove the fraudulent items. I do not shop at the places listed. 

They are : XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reported : XXXX. XXXX, XXXX BARCLAYS BANK DELAWARE Reported : XXXX XXXX, XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other XXXX credit reports.

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 2022-06-26 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX is the only reporting agency out of the XXXX to remove the fraudulent items. I do not shop at the places listed. 

They are : COMENITY BANK/VCTRXXXX XXXX XXXX Secrets Reported : XX/XX/XXXX COMENITYCAPITALBANK/XXXX XXXX XXXX XXXX XXXX XXXX ) Reported : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX COMENITY BANK/LNBRYANT Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello I recently received a copy of my credit report after calling numerous times and see that you are reporting inaccurate information on the personal information section of my credit report. The Fair Credit Reporting Act states that you must report with " Maximum Possible Accuracy ''. To diminish any speculation my information is as follows : Legal name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove any other references to my name and address as they are not mine and I have never used them. Also please send copy of my credit report after these changes have been made. 

Best Regards, 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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello I recently received a copy of my credit report after calling numerous times and see that you are reporting inaccurate information on the personal information section of my credit report. The Fair Credit Reporting Act states that you must report with " Maximum Possible Accuracy ''. To diminish any speculation my information is as follows : Legal name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove any other references to my name and address as they are not mine and I have never used them. Also please send copy of my credit report after these changes have been made. 

Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I didn't receive notice of right to dispute. Federal law governing the collection of debts require a debt collector to include this in their initial communication ; ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be ASSUMED to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Dovenmeuhle has violated the FDCPA and I have included the initial communication that proves it failed to comply. Without knowing I had the right to dispute any alleged debts, I relied on information provided by the Consumer Financial Protection Bureau for guidance. 

Based on the federal laws of the FDCPA, this notice would not have been included if the consumer has paid the debt. I do not intend to pay a corporation that is not able to provide me verification ( XXXX XXXX XXXX ) of the alleged debt, by mail. 

DOVENMUEHLE MORTGAGE INC. ( DMI ) is a debt collector defined under 15 USC 1692a ( 6 ) ( F ) ( iii ). Under the FDCPA Creditor and Debt Collector are mutually exclusive. DMI stated, " language reading debt collection was included as, at the time your loan was transferred to our office, it was still reflecting due for its XX/XX/2022 payment. This is the standard verbiage used by our office on correspondence which may be sent to borrowers on non-current loans. '' 15 USC 1692a ( 6 ) ( F ) ( iii ) explains in further detail who DMI is in this consumer credit transaction that it purchased in a commercial deal between XXXX XXXX XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Me and my ex husband have been separated for 5 yrs and I no longer want my name attached to car loan he has his own company and is more capable of having it in his own name than e been divorced for a long time now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Transunion has also failed to comply to multiple federal and state laws under the FCRA.Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for TransUnion to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file.

I am asking for TransUnion to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which thev spoke with them. By law they have XXXX days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately, It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.

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 2022-06-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. XXXX has also failed to comply to multiple federal and state laws under the FCRA.Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual.

15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for XXXX to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 
I am asking for XXXX to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which thev spoke with them. By law they have XXXX days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately, It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX # XXXX # XXXX # XXXX # 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 please remove this from my credit due to my person right

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 2022-06-27 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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an 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 explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I requested debt validation from Wells Fargo on XX/XX/2022 bank and they have failed to provide me with adequate information of this alleged fraudulent debt they are claiming I owe. When asked to send my original signed contract, they instead sent me a statement that had nothing to do with my request. Please clarify this billing error in order to properly validate this account. Per 15 USC 1666 you must provide documentary evidence along with the other requirements that make up this billing error. If you can not provide the required evidence to validate this account not including statements I will not only charge you for racketeering per 18 USC 2725 but I will also press charges against you and all parties involved.

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 2022-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I made my regular payment ( to bring the account balance down to {$0.00} ) in XXXX on my Kohl 's XXXX XXXX, and Kohl 's proceeded to return my payment AFTER the XXXX day mark, and not notify me. I was notified by my credit monitoring service. Due to this, they have marked me as late by XXXX  days on an otherwise perfect payment history on the account. Reaching out to the company and credit bureaus has ended with nothing being done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I mailed Equifax a letter in regards to inaccurate information being reported on my credit report. Equifax responded that they verified my name even after I sent all requested documents including my drivers license and my social security card. My name is NOT the name they have verified for me! At this time I am enacting my consumer rights to have only current true accurate and physically proven Metro 2 compliant information reporting! I do not authorize EQUIFAX to retain and or report inaccurate information in which they are! 

I am demanding correction to the inaccurate misinformation of my name being reported and payment of {$1000.00} for the violation of reporting INACCURATE INFORMATION IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-06-27 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and have a current police report on file dated XX/XX/2022 with Chex Systems. The following Reported Information and Inquiries Viewed By Others listed on my Chex Systems XXXX Report ID : XXXX, is not my checking accounts or inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XX/XX/2022 and XXXXXXXX XXXX XXXXXX/XX/2022. I never applied for or had a checking account with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. The checking accounts from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is fraudulent and not my checking accounts. The inquiries from XXXX XXXXXXXX XXXX and XXXXXXXX XXXX are not my inquiries.

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 2022-06-27 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: LA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against EQUIFAX for furnishing inaccurate information to my consumer credit file. It is imperative that EQUIFAX always has the most accurate information in my credit file. By furnishing these inaccuracies, EQUIFAX is in direct violation of 15 USC 1681b ( a ) ( 2 ) because EQUIFAX has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. Please delete the following inaccurate ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Enclosed are : Letter sent to EQUIFAX, EXHIBIT A SHOWING CORRECT ADDRESS, Passport card AND SSN FOR IDENTIFICATION Identity Theft Report WITH UNAUTHORIZED INQUIRIES AND INACCURATE ADDRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion has violated my rights by verifying each of the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX reporting is both INCOMPLETE and INACCURATE. 
TransUnion has XXXX XXXX ' as ' {$3100.00} ' although it is ' {$3400.00} '. 
TransUnion has 'Payment Received ' as ' {$0.00} ' although ' {$1500.00} ' was paid. 
TransUnion has 'Balance ' as ' {$0.00} ' incomplete. 
( see attached proof ) XXXX XXXX XXXX Account # XXXX reporting is INACCURATE. 
TransUnion has the 'Terms ' as XXXX months although the term is XXXX months. 
( see attached proof ) US Bankruptcy Court Docket # XXXX reporting is INCOMPLETE. 
Transunion has the letters of the docket number missing. 
( see attached proof ) As per the 15 U.S.C. Section 1681 of the Fair Credit Reporting Act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable 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 non-monetary relief
Consumer complaint received 2022-06-27 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX Accounts # XXXX, XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 SECTION 602 A states I have the right to privacy.

15 U.S.C 1681 SECTION 602 Section 2 : It also states a consumer reporting agency can not furnish an 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