vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
15 USC 1602 ( p ) - Congress ensured that unauthorized use of a consumers information is a violation. Any violation is a civil liability paid to the consumer. You have deceived me, you have frauded me, and committed identity theft, you have caused pain and suffering. I, XXXX XXXX did not give written consent for the accounts in this complaint to be furnished on my consumer reports. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 

COLLECTION/CHARGE OFF REMOVAL Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best Regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved Attached is my identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}

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 2022-06-02 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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:
XXXX XXXX : XXXX Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: PA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$55.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
My XXXX  XXXX acct was just transferred to Marcus by Goldman Sachs. NO WHERE on my account is my interest rate, my available credit, nor how payments are being applied. It has virtually zero information that is required to be accessible to consumers. They are not above the law just because they're Goldman Sachs, they must have this information EASILY accessible and transparent to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: DE

Complaint narrative:
My initial communication with Kingston Data And CREDIT was on XX/XX/2022, where I requested validation of this alleged debt. This alleged debt is a result of identity theft and I did not authorize Kingstons credit organization or any other party access to my consumer report, nor did I initiate any transaction with the alleged original creditor. This debt was made at a time where I was not living at the address in question and have no recollection of signing up for an account with the original creditor. I requested validation of this alleged debt in XX/XX/2022 and have not received any response. Also in XX/XX/2022, I sent them a cease & desist as well as an affidavit of truth and have yet to receive any response, I sent all of these items with certified mail, and return receipts, and I have the documentation that they have received the communication but have failed to respond. The amount of this alleged debt is {$1600.00} and due to the reporting of this false debt my credit score and worthiness has dropped immensely, currently affecting my ability to apply for a proper living shelter as I am currently without a home due to the death of a parent. I have not granted KINGSTON CREDIT AND DATA any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe or furnish an infraction on my credit report based on debt that they have assumed ( bought ) from a creditor. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding the cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Kingston Data and Credit. can provide me with sufficient documentary evidence that I have any legal obligation to pay them specifically. If this documentary evidence can not be produced and Kingston Data AND CREDIT continues its collection efforts, I will file for litigation for actual damages caused and Kingston Data AND CREDIT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, and theft by deception. I am demanding this be removed from my credit report within 10 calendar days or I will see them in court. Also let it be known the phone number that is supposed to be their number on my credit report is no longer a working number and I have not since found a working number for them. 
Thank You, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: IL

Complaint narrative:
In accordance with the Fair Debt Reporting Act. 

XXXX XXXX account # XXXX has violated my rights. 
XXXX 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 604 A Section 2 : Also states A consumerreporting agency can not furnish a account without my written instruction.

15 U.S.C 1692e Section 8 : Updating without showing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX Account XXXX XXXX Account XXXX XXXX Account, XXXX  Account 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX Account XXXX XXXX Account XXXX XXXX  Account, XXXXXXXX Account 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: PA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$55.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: PA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$55.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern : I have called Chase XXXX credit card company multiple times to resolve this matter, but the issue still stands, and it is hurting my business and personal credit. I have filed a dispute twice against charges that were not authorized. 
The first time the investigation was open, it lasted a few months. I received a phone call from a lady that did not want to hear what I had to say, instead, she accused me of all the charges that were on the account. I tried to explain everything, but she did not let me speak at all and was told goodbye from the Chase team. 
The second time I called and complained about the lady who was rude to me and didn't want to hear my side of the story. Unfortunately, no action was taken against her as nothing was documented on the account to whom I spoke with regarding this matter. The second time I requested the case to be reopened against the invalid charges, within two weeks or less the case was dismissed. I was sent a letter stating the investigation has been closed and the charges belong to me. 
This is a Chase XXXX  credit card that started with a limit of under XXXX XXXX dollars and ended up with a balance near XXXX XXXX dollars. I asked the Chase representative how my credit card limit went up to nearly XXXX XXXX dollars in which I was told by the representative that I had requested the limit to be increased. This is completely false and they did not want to mention this again when asked since the credit increase was not approved by me. 
Please help with resolving this matter as my credit score went from close 800 to about 600. Being a business owner, I must maintain good credit. I have high expectations from Consumer Financial Protection Bureau to help resolve this matter. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: TX

Complaint narrative:
On XX/XX/2022, I received an alert from the credit monitoring company called myFico stating that Equifax had posted XXXX hard inquiries on my credit report. The hard inquiries were from : 1 ) XXXX  XXXX XXXX XXXX posted on my credit report on XX/XX/2022 2 ) XXXX  XXXX XXXX XXXX posted on my credit report on XX/XX/2022 3 ) XXXX XXXX XXXX  XXXX posted on my credit report on XX/XX/2022 Upon seeing these unauthorized inquiries on my credit report, I contacted Equifax. The Equifax representative I spoke with advised me to send a written dispute to Equifax with my ID. I adhered to his advice and sent the documents. 

When I called, to inquire about the status of my disputes, I was told I had to wait ten business days. After 10 business days I called Equifax, I was told to send an affidavit. I drafted and sent a notarized affidavit. Equifax confirmed they received the documents and requested that I needed to send an FTC affidavit which I have included in this report. 
This matter remains unresolved, and Equifax has not taken the necessary steps to restore my reputation. When I called Equifax, they referred me to the companies ( XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX ) When I contacted Bank XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX regarding these inquiries, none of these companies had any documentation to suggest that I had either applied for a loan or credit card on XX/XX/2022 or XX/XX/2022. I have offered to schedule a conference call between these companies XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX ) and Equifax. Thus far Equifax has been uncooperative. 

These inaccuracies continue to damage my reputation with employers and creditors. It is also worth noting that of the XXXX ( XXXX, XXXX, and Equifax ) credit reporting agencies only Equifax has these inquiries listed on my credit report. I hope this matter gets resolved as soon as possible. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft by a collection company called XXXX XXXX  XXXX and now by the Credit Bureaus Experian XXXX XXXX and XXXX, I sent a copy of my identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I requested that the consumer reporting agencies place an immediate block on the following fraudulent information ( documents attached ) in my credit file within 4 days upon receipt of my correspondence, and they ignored my request. 

I filed a complaint with the Attorney General as well. ( Attached ) all documents sent in support of my claim ( attached ) XXXX to cure letter ( attached ) why the XXXX XXXX XXXX wants to take advantage of consumer rights, they don't care and just violate the FCRA law day by day. They do what ever they want with your consumer report and No one stops them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have XXXX accounts on my report by XXXX XXXX  showing closed XXXX since XXXX an the other XXXX however the Bureaus are still reporting them as delinquent and past due. Please have these accounts deleted and updated asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I contacted Experian in regards to challenge letters I sent in to them via certified mail. The letters were delivered on XX/XX/2022 with no disputes opened. This has been an ongoing issue with Experian. I have mailed them multiple this year alone over the course of a couple months. Every time I have contacted them, I have been given the same answer. I have requested to speak with a supervisor on multiple occasions. I am always told one is unavailable. They take my number and state to expect a returned call. I have not once received a call back. On one occasion, they connected me to a supervisor, who provided no assistance to the situation and also stated the letters are not there. My primary email is XXXX However the CFPB website would not allow me to submit an additional dispute with that email since I have previously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have 2 accounts on my report by XXXX XXXX  showing closed one since XXXX an the other XXXX however the Bureaus are still reporting them as delinquent and past due. Please have these accounts deleted and updated asap.

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