vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc.
State: IL

Complaint narrative:
Hi! I have had a recent dispute with XXXX that is now closed. My credit score ( prior to this event has always been in upper XXXX ) is dropping rapidly and keeps going down due to a debt from Choice Recovery that has this account listed under NOT MY NAME. The girl has my same date of birth, but her name is XXXX XXXX, which is not my name. I told both Choice Recovery and XXXX about this issue and they recommended the dispute, assuring me the issue would be caught and handled. I did threaten to send certified letters but I feel I have obtained enough evidence from a simple phone call to prove this isn't my debt- why should I have to go through all the extra work and extra expense when this isn't even MY DEBT! I will start sending these certified letters soon if my credit score continues to plummet. This is disheartening what is happening to innocent people who work really hard and pay back anything they borrow. It is very sad, and I hope someone can make this right for me and my score. XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-28 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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 — Investigation took more than 30 days
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I am disputing the below listed inaccurate and misleading information in order to show my true credit history. By the provisions of 15 USC section 168 1 of the Fair Credit Reporting Act of 1970. I demand that the following items be deleted from my record. 

1. Creditor Account : XXXX XXXX XXXX # XXXX Comment : I have no knowledge of this item and have previously written to the agency to send proof and to date, I have received nothing. 
2. and 3. Creditor Account : CREDIT CONTROL CORP # XXXX - {$110.00} and {$310.00} Comment : I have no knowledge of this item and have previously written to the agency to send proof and to date, I have received nothing. 
4. Creditor Account : XXXX XXXX XXXX # XXXX Comment : I have paid this account off in full and was told that it would be removed. To date it still is not. Please remove immediately. 

Under federal law, you have 30 days from receipt of this letter to verify these entries. It should be understood that failure to do so within a thirty-day period constitutes reason to totally delete the information from my file, FORA 15 USC s1681i ( 5 ) ( A ). Also, pursuant to USC s16811 ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provisions of 15 USC sections 1681j, there should be no charge for this notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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:
If the XXXX credit bureaus, XXXX, Experian, and XXXX, are private and for-profit companies, why I am obligated to have my information with them? 

I should have a choice to remove my identifying information from the database of these PRIVATE companies that have been proven to be lax on consumer information security. 

Where is the US LAW that states that these companies MUST have my information? 
Where is the US LAW that states that they can not remove my personal information at my request?

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 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I checked my credit report and I noticed some fraudulent and inaccurate accounts and Inquiries on my credit report I reached out to the credit reporting agencies about these fraudulent accounts but they did not fix the issues.

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 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I recently checked my credit report and learned that Convergent Outsourcing, a third-party collector for XXXX placed a collection account on my credit report. I called Convergent Outsourcing and asked them why they never sent me a notice about the collections account. The Convergent representative told me that they sent a notice to an address where I have never lived and never received mail. The address began with XXXX. I have never lived at an address beginning with that number. I have not received mail at an address beginning with that number. I told the representative that she had a legal duty to notify me BEFORE posting to my credit report. The representative did not respond to that statement. The representative did not send notice to the proper address after I told her where I receive mail.

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 2021-12-28 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: NY

Complaint narrative:
If the three credit bureaus, Equifax, XXXX, and XXXX, are private and for-profit companies, why I am obligated to have my information with them? I should have a choice to remove my identifying information from the database of these PRIVATE companies that have been proven to be lax on consumer information security. 

Where is the US LAW that states that these companies MUST have my information? Where is the US LAW that states that they can not remove my personal information at my request?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On or about XX/XX/2021, TransUnion XXXX XXXX received a via certified mail, a notice that an alleged creditor XXXX XXXX XXXX  did not respond to a lawful " VALIDATION OF DEBT REQUEST '' ( copy of notice & proof of service attached ). I originally sent XXXX XXXX XXXX the " VALIDATION OF DEBT REQUEST '' and it was received on XX/XX/2021 ( original letter & proof of service attached ). I have gone through the proper channels & process to address the alleged debt & both the bureaus & the creditors have violated my rights per FCRA & FDCPA respectively.

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 2021-12-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On or about XX/XX/2021, XXXX XXXX Experian received a via certified mail, a notice that an alleged creditor XXXX XXXX XXXX did not respond to a lawful " VALIDATION OF DEBT REQUEST '' ( copy of notice & proof of service attached ). I originally sent XXXX XXXX XXXX the " VALIDATION OF DEBT REQUEST '' and it was received on XX/XX/2021 ( original letter & proof of service attached ). I have gone through the proper channels & process to address the alleged debt & both the bureaus & the creditors have violated my rights per FCRA & FDCPA respectively.

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 2021-12-28 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent in XXXX Credit Bureaus. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : NAVY FEDERAL CR UNION XXXX Balance : {$20000.00} ; NAVY FCU XXXX XXXX : {$19000.00} ; NAVY FCU XXXX XXXX : {$12000.00} ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I checked my credit report and I noticed some fraudulent and inaccurate accounts and Inquiries on my credit report I reached out to the credit reporting agencies about these fraudulent accounts but they did not fix the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: SC

Complaint narrative:
I am writing to delete the following information in my file the items I need to lead it I 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 south oh my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft Affidavit please delete 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 2021-12-28 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. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about the forgery of furniture. I have attached my previous correspondence with Transunion, the courthouse, and 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 2021-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI

Complaint narrative:
On XX/XX/2021 I received a text message from XXXX ( i later learned this was a spoofed number from the XXXX XXXX app ) asking if a authorized a XXXX transfer to a XXXX XXXX. I texted back no and immediately received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX phone number ) from someone claiming to be part of their fraud protection department. They told me in order to lock the person who had my info oit of my account I needed to XXXX myself the money in my account. They talked me step by step into enrolling into a XXXX account ( using their bank info ) with my email address and had me XXXX the money in my checking account to myself by entering my email into the recipient line.. the recipient was actually linked to their bank info. Once the transaction was complete they hung up. I never was able to recover my money because my bank said I needed to contact XXXX and XXXX said I willingly sent this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: NC

Complaint narrative:
dear to whome this may concern i reported to credit bureaus on the inquires on the reports are fraudeulant and i did not authorize these inquires and that they be removed immediately and got no response! also reporting the correct personal info on the credit report with one address and one name spelled correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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 There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about the Forgery of a furnisher. I have attached all my previous correspondence with the courthouse, Experian, and 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 explanation
Consumer complaint received 2021-12-28 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about the Forgery of the furnisher I have attached all my correspondence from Equifax, XXXX, and The courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX Ive recently been a victim of fraud. Some withdrew XXXX from my account in one day and it happened in a state I never been in. Someone apparently had my ssn as well as a fake drivers license which was enough to convince the tellers to withdraw XXXX in the span of 2 hours all in one day. I never got any notification or alert I found out a day after it happened because I was curious to see if my direct deposit came early. Im really disappointed in US Bank because they they allowed XXXX to be taken so easily without going into proper alerts especially in a state Ive never been in. Probably the worst XXXX of my life and Im lucky to even have enough to pay for my rent but this type of recklessness is so irresponsible. XXXX dollars in one day in the span of 2 hours, I wish better precautions went into this.

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 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/2021 I received an email stating I opened a credit card. When I checked my credit report I noticed that a credit card was opened in my name with a credit limit of {$4000.00}. I was involved in identity theft and credit card fraud. I reached out to the company to close the account. They said they were going to mail me an affidavit but have not received anything. I went to my local police station to file a police report. I also filed an identity theft report with the FTC. I need Genesis Financial Services to remove my account from all 3 credit bureaus. I never opened an account with this company.

Company response to consumer: Closed with explanation