vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 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: CO

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Bank 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.

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 2022-07-25 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: CO

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Bank 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, 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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7800.00} XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00}

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) mandates that all information contained in credit agency reports be checked for accuracy. I have requested that they verify a bankruptcy that is shown in my credit file as well as the source that is providing the information about the bankruptcy. I requested this over 90 days ago via USPS and have yet to receive a response.

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is disappointing seeing the Credit Bureaus do their best at nothing to correct my Credit file. I have beeen requesting that the Credit Bureaus delete the items I am disputing to correct my Credit Report from fraudulent information. The most recent letter I sent was XX/XX/2022 yet another request to remove the names, addresses and accounts that are completely UNKNOWN to me. I have read enough to understand my rights and according to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaints & I am including it again : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXC XXXXX Balance {$0.00} XXXX XXXX XXXX XXXXX Balance {$770.00} XXXX XXXXX XXXX {$0.00} XXXX XXXXX Balance {$850.00} XXXXXXXX XXXX XXXX XXXX Balance {$83.00}

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 2022-07-25 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: CA

Complaint narrative:
sending to them? I have been requesting that the Credit Bureaus update the disputed account to appear accurate information on my Credit File, but despite all my efforts, the Credit is yet to respond to my letters. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX {$280.00}

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 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2022 I received a refund from XXXX by XXXX. I immediately contacted my bank Chime. I sent a copy of the detailed and itemized receipt. Chime did not investigate my claim because they said I closed the claim myself. I was on the phone with a dispute XXXX XX/XX/2022. He advised me that chime had a system update that caused this error to occur. He said not to worry he could reopen the claim. I immediately asked for a provisional credit while the investigation was on going due to me being a single parent of XXXX who is displaced due to home damages. I was told that the investigations team would reach out to me. The investigations team refused to investigate and didnt make contact with me. I have made numerous calls, I have driven back to the hotel and spoken directly with XXXX XXXX who refunded the charges. She explained that this was between me and my bank. She stated that the bank should be able to update the refund with the receipt. Unfortunately chime has not refunded me. My account is still in the negative. I have called daily and emailed daily chime just gives me the run around. I learned that chime is not a bank and that it is a financial technology company. I was unaware until I started looking for solutions to resolve this. I am owed a refund of {$560.00}. I have requested a full provisional credit until the investigation is completed. Each time I am told something different from the previous agent. I need my money so I can keep a XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: VA

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 XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$990.00}

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 2022-07-25 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: VA

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 XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: LEXISNEXIS
State: IN

Complaint narrative:
To : Whom it may concern CC : CFPB ; XXXX XXXX Attorney General ; XXXX XXXX XXXX, XXXX XXXX XXXX LexisNexis Claims to have used a database called XXXX to verify my alleged bankruptcy and then sold this information to the Credit Reporting Agencies XXXX and XXXX. 

XXXX makes it clear that a consumer has a right to privacy. LexisNexis Going out and digging up this negative information about me is an infringement upon my consumer Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Pursuant to 15 usc 1681b ( a ) ( 2 ) LexisNexis did not have a Permissible purpose nor did they have my written instruction to furnish this item. 

Attached is the document I received back from the United States Bankruptcy XXXX - XXXX XXXX of Indiana that states that they do NOT provide any information directly to any third party information gatherer. 

Since LexisNexis Claims to have investigated this Bankruptcy Pursuant to 15 usc 1681a- ( e ) XXXX states that in order for LexisNexis to have conducted an investigation they have to have spoken to neighbors, friends or associates etc, and if LexisNexis spoke with them the information Provided can not be factual. 

So now I need to know who LexisNexis Consumer Services Spoke with? 

If this can not be provided I demand that bankruptcy be deleted immediately and updated with XXXX and XXXX. 

Attached are all the documents required to verify my identity ( Which I have already provided you with several times ). 

This is my final attempt to resolve this before pursuing litigation as this issue has caused me XXXX, XXXX, and defamation of character if Lexis Nexis is unable to resolve this issue due to violations committed to me, the consumer, a natural living person. 

XXXX : XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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:
On XX/XX/2022 I briefly went over my credit report. I see a lot of unauthorized things reporting on my credit report. I recently had everything stolen from me. I filed a police report, and the documents is in the attachments. FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) THE CREDIT BUREAUS YOU MUST FOLLOW THE LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is disappointing seeing the Credit Bureaus do their best at nothing to correct my Credit file. I have beeen requesting that the Credit Bureaus delete the items I am disputing to correct my Credit Report from fraudulent information. The most recent letter I sent was XX/XX/2022 yet another request to remove the names, addresses and accounts that are completely UNKNOWN to me. I have read enough to understand my rights and according to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than XXXX business days after XX/XX/2022. Ive already included this in my previous Complaints & I am including it again : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  CI XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX COMENITY XXXX XXXXX Balance {$0.00} XXXX XXXX XXXX  XXXXX Balance {$770.00} XXXX XXXXX XXXX {$0.00} XXXX XXXXX Balance {$850.00} XXXXXXXX XXXX, XXXX XXXX Balance {$83.00}

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is disappointing seeing the Credit Bureaus do their best at nothing to correct my XXXX file. I have beeen requesting that the Credit Bureaus delete the items I am disputing to correct my Credit Report from fraudulent information. The most recent letter I sent was XX/XX/2022 yet another request to remove the names, addresses and accounts that are completely UNKNOWN to me. I have read enough to understand my rights and according to FCRA XXXX ( XXXX U.S.C. XXXX ), the XXXX XXXX XXXX XXXX XXXX to remove any accounts and information not later than XXXX business days after XX/XX/2022. Ive already included this in my previous Complaints & I am including it again : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXXX Balance {$0.00} XXXX XXXX XXXX XXXXX Balance {$770.00} XXXX XXXXX XXXX {$0.00} XXXX XXXXX Balance {$850.00} XXXX XXXX, XXXX XXXX Balance {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: CA

Complaint narrative:
sending to them? I have been requesting that the Credit Bureaus update the disputed account to appear accurate information on my Credit File, but despite all my efforts, the Credit is yet to respond to my letters. The XXXX credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX {$280.00}

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 2022-07-25 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: CA

Complaint narrative:
sending to them? I have been requesting that the Credit Bureaus update the disputed account to appear accurate information on my Credit File, but despite all my efforts, the XXXX is yet to respond to my letters. The XXXX credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The XXXX Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2022-07-25 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: CA

Complaint narrative:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The XXXX Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation