vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting 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:
I have written and sent correspondence via certified mail : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to Equifax on XX/XX/XXXX   advising of several inquiries and accounts fraudulently reported on my credit report ( by the company ). A Federal Trade Commission report ( specifically, a Police Incident Report - # XXXX ) was filed and provided to Equifax in the same manner. Likewise, Lastly, I initiated a claim with the CFPB on XX/XX/XXXX  ( Case # : XXXX ). Included in my submission to the CFPB was the entire correspondence packets inclusive of Drivers License, Social Security Card and Police Report as sent to Equifax. From the time of its receipt of my correspondence on XX/XX/, Equifax had four days, according to the law, to remove these items. Instead of these items being removed, I received correspondence ( see attached ) from Equifax dated XX/XX/XXXX  stating they were unable to locate a credit file in their database and requesting that I provide additional documentation to verify my identity- ALL OF WHICH WAS PROVIDED IN MY ORIGINAL CORRESPONDENCE SENT TO EQUIFAX AND RECEIVED BY EQUIFAX ON XX/XX/. THIS INCLUDED MY DRIVERS LICENSE AND SOCIAL SECURITY CARD. I also received correspondence in response to my previous filing of the same claim stating that the reported items were found to be verified. Equifax is obligated by the FCRA to accurately verify consumer data prior to it being reported. I am now requesting Equifax to provide documentation used to verify these accounts and inquiries were indeed authorized by me. Equifax has 15 days to provide me with the name of the person spoken to, documentation used, signed application with my signature in wet ink. Please be clear, I am not asking for an e-Oscar report. If Equifax does not have the documentation as requested to show these accounts and inquiries were in fact authorized by me, per the law, they MUST be removed ASAP. Equifax is liable under the SEC to follow certain rules. The Equifax Commission file number is XXXX ; its Tustees are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New York XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX. I will also be filing OMB Treasury Form 211 to request an audit of the consumer file. Lastly, Equifax is securitizing consumer data, yet refused to provide me with a copy of the consumer file ( not the consumer report ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, XXXX, and Equifax continue to report inaccurate information. The below account has not been properly validated or verified. There are several inconsistencies on the account XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account Status : Closed Derogatory Derogatory Date Opened : XX/XX/XXXXXXXX  XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$270.00} {$0.00} High Credit : {$270.00} {$0.00} {$0.00} Credit Limit : {$250.00} {$250.00} {$0.00} Past Due : {$0.00} {$270.00} {$0.00} Payment Status : Unknown Collection/Charge off Wage Earner Plan Last Reported : XX/XX/XXXXXXXX  XXXX XXXX Comments : - Unpaid balance reported as a loss by the credit grantor. 
Account involved in XXXX XXXX debt adj. 
Credit card Included in XXXX  XXXX Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over 1 dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entries of the account from the date of account opening as described in Publication IRS 583.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A credit card account was open fraudulently in my name using my social name and date of Birth

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX/DOFED ACCT # XXXXFRAUD/REMOVE XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX  ACCT # XXXX FRAUD/REMOVE XXXX  ACCT # XXXX FRAUD/REMOVE XXXX XXXXXX/XX/2023 TransUnion FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX/DOFED ACCT # XXXXFRAUD/REMOVE XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX ACCT # XXXX FRAUD/REMOVE XXXX  ACCT # XXXX FRAUD/REMOVE XXXX  XX/XX/2023 XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
California Business Bureau Inc is attempting to charge interest in the amount of {$160.00} on an account that does not have interest tied to it in the original contract as it is a medical debt. When I spoke to California Business BureaXXXX on XX/XX/2023 at XXXX PST the collector stated that they did not have the original contract that stated they were legally allowed to charge interest on this account and that they were able to charge the interest " because I didn't pay it. '' When I spoke to the original debtor ( the hospital ), they stated that they do not charge interest on their accounts. This means that CBB is charging interest illegally under 15 U.S.C. 1692 et seq. of the Fair Debt Collection Practices Act as well as misrepresenting my legal rights as a consumer ( another illegal practice under FDCPA. ) Furthermore, they called both of my parents on XX/XX/2023, which they are not allowed to do unless they're unable to locate me, which was not the case as the original letter they sent dated XX/XX/2023 stated that I have until XX/XX/2023 to respond. How can they determine if I'm unable to be located if they did not give me reasonable time to respond per their letter? This is illegal under 805 ( b ) of the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian credit bureau refuses to remove an incorrect address from my credit report.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Managers, Inc.
State: WA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I am receiving this letter from Nelnet loan services, this is the second time Nelnet has requested identity theft when I did not request for identity theft. I requested for debt validity and requested verification of the debt which was not answered. Attached to this is a letter I requested plus the green return receipt which I know they have received this letter on XX/XX/. Also the response of the debt collector. Nelnet loan services did not provide me this information, in pursuant to 15usc1692g validation of debts, without this information this alleged debt can not be owned by me but Nelnet is the owner of the {$26000.00} debt. Please discharge this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: AK

Complaint narrative:
Dept of Ed is still showing that I owe {$36000.00} in student loans and responded to the last complaint saying I still owe, DESPITE me providing documentation showing PAID IN FULL. This student loan has been paid for for quite sometime. I WILL NOT pay a second time for something I DO NOT OWE. On top of that, I became XXXX 3 years ago after a XXXX XXXX XXXX that STILL requires further XXXX  and has left me unable XXXX  XXXX, do my daily activities, left me with EXTREME nerve damage, and I am in the middle of a malpractice claim for. The LAST thing I need is for someone to report FALSE information to my credit, since I may need my credit for my XXXX. 

I do not know how many times I have to complain until SOMEONE takes it seriously and stops reporting " verified ''. 

I am providing two documents from XXXX showing the student loans were paid in full, as well as photographs of my leg injury that I am dealing with. 

I have paid my debt in full and now am faced with a lifetime of XXXX and have to continue to fight for what is right against companies that simply buy and sell false information. 

Again, this debt is paid. I WILL NOT PAY AGAIN, even if I could. It is sad that companies like this can continue to destroy the lives of the innocent, especially those who are a disabled. I hope people are proud of themselves for picking on the weak. Nothing but a bunch of bullies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC
State: OH

Complaint narrative:
XX/XX/XXXX I reached out to Etrade for being unable to log into my accounts. I had a bank account and two brokerage accounts. During this phone call ( 2 hours long with an agent ) I updated my phone number my mailing address, we did a conference call with an old bank account of mine and at the end of the call I verified my information and was able to access my account. So I proceeded to initiate a transfer of money from my XXXX account. Towards the end of the call the agent asks me to clear up any unwanted or closed accounts attached to my brokerage account. And he read me the account ending in numbers as well as the institution, and with all the information I gave him and what he had on his screen he proceeds to ask if i wanted to remove an account ending with numbers i didn't recognize as he also stated that it seemed like a duplicate of my wells fargo account so I agreed to remove it. Then he tells me he removed all my accounts except one which was a go 2 account through XXXX XXXX. He removed my XXXX account which my transfer was coming from and said he couldn't undo it that he was sorry. So today I get 4 pieces of mail dated XX/XX/2023 stating all my accounts were closed due to what they said they determined my personal information may have been used fraudulently to open my accounts, so they closed all of them. After verifying everything 2 days prior and with no emails or text messages. Here it is XX/XX/2023 and they took this action on the XXXX. When I called them today the agent i spoke to said it was due to possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
I wrote them a lettertstating the facts and they wrote me back saying that there was nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
My bank account became frozen on XXXX XXXX suddenly and i got noticed from my bank that my bank account is restrained by debt collection judgement .After couple days i got letter from the debt collector agency Kirschenbaum & Phillips , P.C . Showing XXXX XXXX XXXX has a court judgement order given on XXXX XXXX. I am confused after such a long period they can still sue for the debt where its like time barred or expired statue of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
I was given by the National Credit Adjusters my social XXXX and my email address XXXX that I have found to have been placed in the black web over 22 times and I since have opened identity theft claims. Due to this issue, it is hurting my credit filings and is causing me hardship, stress, and credit denials. 
I was also provided from the representative of National Credit Adjusters with the street address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX That is not my address, never have lived at this address and in which does not belong to me. 
I was then given the email XXXX to dispute the alleged account along with an account number # XXXX, I was also provided with the open dates of the mentioned account of XXXX XXXX, and XX/XX/. Stating that this account belongs to the original owner of XXXX XXXX. 
I have no known recollection of this account nor have I opened an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've tried to resolve this issue with the company, these unverified/ fraudulent accounts do not belong to me. I have not received any legal proof or anything with my signature.

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 2023-09-08 00:00:00
Product: Credit reporting 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:
I've tried to resolve this issue with the company, these unverified/ fraudulent accounts do not belong to me. I have not received any legal proof or anything with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have XXXX in investment account and I want my money back! They cant take someone money bc my checking account got restricted. They said they wont give my money back because of my checking what have nothing to do with my investment.

Company response to consumer: Closed with explanation