vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 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: NJ

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported are inaccurate and erroneous and are leading to negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. I was never late on these accounts. The late payment shown is in error. Please check payment records and provide documentation why these are reporting as late payment. These are good standing account. Again, please verify these immediately and correct the reporting error! 

XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date 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 2022-07-22 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: NJ

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported are inaccurate and erroneous and are leading to negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. I was never late on these accounts. The late payment shown is in error. Please check payment records and provide documentation why these are reporting as late payment. These are good standing account. Again, please verify these immediately and correct the reporting error! 

XXXX XXXX  XXXX. XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: NJ

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported are inaccurate and erroneous and are leading to negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. I was never late on these accounts. The late payment shown is in error. Please check payment records and provide documentation why these are reporting as late payment. These are good standing account. Again, please verify these immediately and correct the reporting error! 

XXXXXXXX XXXX  XXXX. XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date 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 2022-07-22 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: GA

Complaint narrative:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in 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. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-07-22 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: GA

Complaint narrative:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in 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. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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 NUMEROUS 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 XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$52.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$76.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX, GA 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 2022-07-22 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: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
On XX/XX/2022 ICS Collection Service/XXXX XXXX was mailed a certified letter requesting that account # XXXX be validated under the FDCPA, that I, XXXX XXXX XXXX had a contractual obligation to this debt that is being reported to XXXX. 

Several pieces of documentation were requested in the certified letter to validify the debt in question including : a detailed bill ( not codes ), a signed HIPAA waiver, or privacy notice, original contract, along with other information that may have been helpful for me, in validating this debt as mine ( in accordance with the FCRA, section 611A through D, section 609 ( a ) ( 1 ) ( A ). 

To date, ICS Collection ServiceXXXX XXXX has not responded to my request for validation with any of the aforementioned documents. ICS Collection ServiceXXXX XXXX has failed to respond to my request all together. ICS Collection ServiceXXXX XXXX is in violation of the FCRA sections 609 and 611, and are violating my rights as a consumer. 

I am requesting that these debts be deleted from my credit report as XXXX has failed to prove, or validate that this debt belongs to me.

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 2022-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: C/C Financial
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Preferred Lease 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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to Bureaus lack of response which I classify as frivolous, Experian, XXXX, and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX XXXX XXXX Balance {$7700.00} ; XXXX XXXX  XXXX Balance {$8200.00}

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 2022-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
Under Maryland law a debt collector has no legal right to collect a debt that is more than 3 years old. this auto debt was charged off by the lender in 2018. I was successful in getting it removed from my credit report only for a debt collector to report it to the credit bureaus after over 3 years and has succeeded in damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today, XX/XX/22 I went to XXXX XXXX to inquire about a vehicle while they were partnered with a local credit union. I specifically asked the agent if they would " shotgun '' or run my credit numerous times, as is standard practice for people doing poor business, and it adversely affects credit. He informed me no, just once. I signed for them to run it, with the agreement that they'd run it ONCE, understandably with the credit union. He said they had been making deals with people credit scores that weren't so great. They ran my credit SIX times, without my consent, all with places unrelated to the credit union. The information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL 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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today, XX/XX/22 I went to XXXX XXXX to inquire about a vehicle while they were partnered with a local credit union. I specifically asked the agent if they would " shotgun '' or run my credit numerous times, as is standard practice for people doing poor business, and it adversely affects credit. He informed me no, just once. I signed for them to run it, with the agreement that they'd run it ONCE, understandably with the credit union. He said they had been making deals with people credit scores that weren't so great. They ran my credit SIX times, without my consent, all with places unrelated to the credit union. The information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-22 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: GA

Complaint narrative:
This is my NUMEROUS 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 XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$52.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$76.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$160.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX, GA 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 2022-07-22 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: GA

Complaint narrative:
This is my NUMEROUS 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 XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$52.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$76.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I filed for XXXX  XXXX in late XXXXXXXX XXXX Sychrony Bank continues to send me bills about a debt, but it was covered in the bankruptcy case. I actually paid that bill on XX/XX/2021, and have the bank statement to prove it, but the Bankruptcy Court confiscated that payment to disperse to other creditors. I have forwarded this information to Synchrony Bank, but they continue to send bills to me.

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 2022-07-22 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: NY

Complaint narrative:
This is my 5th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}.

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 2022-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Under Maryland law a debt collector has no legal right to collect a debt that is more than 3 years old. this auto debt was charged off by the lender in 2018. I was successful in getting it removed from my credit report only for a debt collector to report it to the credit bureaus after over 3 years and has succeeded in damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: NY

Complaint narrative:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2022 I got a phone call from XXXX XXXX XXXX XXXX Bank of America, and the associate was telling me over the phone that i was supposed to process a transaction through XXXX, and this money would be stay on my checking account, then i transferred the amount of {$3400.00} and disappeared from my account. I want my money back, me and my wife are hard workers, it is a lot of money, please help us out to get our money back, in name of Jesus.

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 2022-07-22 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:
In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to Bureaus lack of response which I classify as frivolous, XXXX, XXXX, and TransUnion have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXXO XXXX XXXX Balance {$7700.00} ; XXXXXXXX XXXX XXXX Balance {$8200.00}

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