vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
AFNI INC CORPORATION SERVICE COMPANY XXXX, GA, XXXX, United States To : The Office of Registered Agent for AFNI INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX  are authorized to administrate ( acting trustee ) on XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am a XXXXXXXX XXXX XXXXXXXX credit card holder. This credit card is issued by Chase Bank. On XXXX XX/XX/2022, Chase charged a {$95.00} membership fee on my account. According to terms and conditions, as a card member, I am entitled to " receive one free night at any XXXX XXXX XXXX hotel or resort every year after your cardmember anniversary, plus an extra free night at any XXXX XXXX XXXX hotel or resort if spending {$15000.00} in a calendar year ''. This benefit was not provided to me. On this basis I would request Chase to refund me the membership fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: CA

Complaint narrative:
Hello, my name is XXXX XXXX and starting on XX/XX/2021 my personal information was stolen and fraudulently used to open lines of credit without my knowledge and authorization. I have contacted all the credit grantors involved and have verified with them that these accounts do not belong to me, and I have tried to get these accounts blocked and deleted off my report but I have been neglected even while using the fair credit reporting act. The following accounts are reporting on the referenced bureaus Experian : XXXX XXXX  Opened XX/XX/2021 Bal {$9900.00} XXXX : XXXX XXXX, XXXX. Opened XX/XX/2021 Bal {$6600.00} XXXX : XXXX XXXX  Opened XX/XX/2021 Bal {$9900.00}.

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 2022-06-01 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: Block, Inc.
State: NJ

Complaint narrative:
I received an unsolicited card from a company called Square. It is a business debit card, and says it is issued by XXXX Bank. The card has my name on it. I did not apply for this card, and I do not have an account with Square nor with XXXX Bank. I contacted Square at their customer service number : XXXX. I spoke with XXXX, and was transferred to XXXX. I explained that I received a card that i never applied for, and wanted to ensure the card was not active and any accounts associated with my name were closed. I was asked to provide the number on the back of the card. I was told by XXXX that she could not close any account associated with my name and that it had to be investigated by their team. She said she would forward my concerns to the appropriate investigative team. I asked to speak to a member of the fraud department directly and was told that there was no live person to speak to, only the liaison, XXXX. I was also told to provide an email address and that I would be sent an email asking for additional information. I stated I did not feel comfortable providing a personal email address and did not see why I should have to email further information to the company, as I did not open an account with them and just wanted any accounts in my name closed. I asked how I would receive confirmation that my account was closed, and if I could be sent a hard copy letter or at least a phone call from the fraud team informing me the account was closed. XXXX stated that the company is " mainly email '' and does not typically do phone calls, nor would I receive a hard copy letter stating the accounts in my name were closed. I explained that I believe this card is due to identity theft, and want confirmation that any accounts associated with my name are closed. XXXX instructed me to contact my local authorities and stated it would be forwarded for investigation, however she could not close my account nor provide me with definitive confirmation that the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been calling XXXX and Equifax for a year now to try and get this inquiries off my credit. All these inquiries on there I have no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX CONTINUES TO REPORT A 90 DAY LATE ON MY CREDIT FILE. THIS IS INCORRECT. THIS ACCOUNT HAS BEEN CHARGED OFF ON XX/XX/2019. THIS INFORMATION IS FACTUALLY INCORRECT. THIS ACCOUNT WAS ONLY VERIFIED FOR MY NAME AND ACCOUNT NUMBER. THE ACCURACY OF THIS ACCOUNT HAS BEEN XXXX XXXX CONTINUES TO REPORT A 90 DAY LATE ON MY CREDIT FILE. THIS IS INCORRECT. THIS ACCOUNT HAS BEEN CHARGED OFF ON XX/XX/2019. THIS INFORMATION IS FACTUALLY INCORRECT. THIS ACCOUNT WAS ONLY VERIFIED FOR MY NAME AND ACCOUNT NUMBER. THE ACCURACY OF THIS ACCOUNT HAS BEEN REPEATEDLY IGNORED. 
THE CREDITOR REFUSES TO GIVE THE CREDIT REPORTING COMPANIES PROOF OF THE LOAN DOCUMENTS, DATES OF DISCHARGE, PAYMENT HISTORY, AND CORRECTLY REMOVE INACCURATE UPDATES TO ALL CREDIT AGENCIES. 
I AM FORCED TO FOLLOW UP WITH THE CFPB, FTC, XXXX, XXXX, AND EXPERIAN MULTIPLE TIMES. THIS HAS RESULTED IN COUNTLESS HOURS OF EMAIL, AND PHONE CONVERSATIONS. I BELIEVE THIS CREDITOR CREATES THESE OBSTACLES TO RESTRICT CONSUMERS FROM A PROPER RECOURSE TO THE NEGATIVE FILINGS. 

REPEATEDLY REPORTING C/O EVERY MONTH NOT INDICATING WHEN/IF THE ACCOUNT HAS BEEN SOLD NOT REFLECTING A {$0.00} AFTER TRANSFERRED/SOLD ( XXXX XXXX  ) REPORTING INCONSISTENT BALANCES ACROSS BUREAUS DATE OF FIRST DELINQUENCY ILLEGALLY BEING CHANGED UPDATES AFTER XXXX  CHARGED OFF STATUS IGNORED.

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 2022-06-01 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: DC

Complaint narrative:
I sent in a dispute regarding the balance on my student loan with the US Dept of Education and XXXX XXXX. The loan was fully discharged and the balance should be XXXX. 
Equifax sent me a response and said that this creditor was not appearing on my credit report. I sent Equifax proof that the loan has been fully discharged .I spoke XXXX, XXXX was the supervisor that I spoke with. He gave me conflicting information. He insisted that I submit a second complaint notwithstanding the fact that I had previously submitted my dispute over 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: CA

Complaint narrative:
On 6 separate occasions in writing I have asked MRS to stop contacting me and they continue. I wrote to them on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and I also called on XX/XX/2022. yet they keep on sending me emails.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
fraudulent address on credit report fraudulent accounts with address on 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 explanation
Consumer complaint received 2022-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
According to Fair Credit Act 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on 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 2022-06-01 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: NJ

Complaint narrative:
According to Fair Credit Act 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: WI

Complaint narrative:
I have been going back and forward with Transunion about inquires that clearly are not mine, I have been a victim of Identity theft. I sent in dispute after dispute to have these accounts removed. somehow, they keep coming back as mine. When I ask Transunion to send me documentation with proof of how these inquiries are being verified they never do. This has been a burden on me and my family. Listed below are the fraudulent inquiries. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XX/XX/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 2022-06-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Florida Account # XXXX, XXXX XXXX Credit Account # XXXX, XX/XX/XXXXAccount # XXXX, XX/XX/XXXX Account # XXXX,XX/XX/XXXXAccount # XXXX, XXXX Account # XXXX, XX/XX/XXXXXXXX Reference Account # XXXX, XXXX 's XXXX XXXX andXX/XX/XXXX XX/XX/XXXXXXXX Account XXXX 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 states : A consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: DC

Complaint narrative:
I sent in a dispute regarding the balance on my student loan with the US Dept of Education and XXXX XXXX. The loan was fully discharged and the balance should be zero. 
XXXX sent me a response and said that this creditor was not appearing on my credit report. I sent XXXX proof that the loan has been fully discharged .I spoke XXXX, XXXX was the supervisor that I spoke with. He gave me conflicting information. He insisted that I submit a second complaint notwithstanding the fact that I had previously submitted my dispute over 30 days ago.

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 2022-06-01 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: DC

Complaint narrative:
I sent in a dispute regarding the balance on my student loan with the US Dept of Education and XXXX XXXX. The loan was fully discharged and the balance should be XXXX. 
XXXX sent me a response and said that this creditor was not appearing on my credit report. I sent XXXX proof that the loan has been fully discharged .I spoke XXXX, XXXX was the supervisor that I spoke with. He gave me conflicting information. He insisted that I submit a second complaint notwithstanding the fact that I had previously submitted my dispute over 30 days ago.

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 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX and starting on XX/XX/2021 my personal information was stolen and fraudulently used to open lines of credit without my knowledge and authorization. I have contacted all the credit grantors involved and have verified with them that these accounts do not belong to me, and I have tried to get these accounts blocked and deleted off my report but I have been neglected even while using the fair credit reporting act. The following accounts are reporting on the referenced bureaus XXXX : XXXX BANK Opened XX/XX/2021 Bal {$9900.00} XXXX : XXXX BANK, XXXX. Opened XX/XX/2021 XXXX {$6600.00} TransUnion : XXXX BANK Opened XX/XX/2021 XXXX {$9900.00}.

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 2022-06-01 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:
Hello, my name is XXXX XXXX and starting on XX/XX/2021 my personal information was stolen and fraudulently used to open lines of credit without my knowledge and authorization. I have contacted all the credit grantors involved and have verified with them that these accounts do not belong to me, and I have tried to get these accounts blocked and deleted off my report but I have been neglected even while using the fair credit reporting act. The following accounts are reporting on the referenced bureaus XXXX : XXXX BANK Opened XX/XX/2021 Bal {$9900.00} Equifax : XXXX BANK, XXXX. Opened XX/XX/2021 XXXX {$6600.00} XXXX : XXXX BANK Opened XX/XX/2021 Bal {$9900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
First of all, I never filled anything out at any point in time for a payday loan on XX/XX/2022 or even within the last 5 months. I called XXXX to request that they delete my information they had on file and informed them that I never asked for them run my credit for a loan I never asked for. They told me they couldn't delete my information by law. When i asked them about the state statute or US code that covered that law i was told they couldn't provide me with that information. I asked to speak with a manager and was told there were no managers available and that one would call me back. That was literally over 45 minutes ago as i searched for this complaint and currently am writing it out. I asked for the employee 's information, name is " XXXX '' and she refused to provide me with her employee number, so i could report this to her manager that was not magically not available during the length of the call, which i extended on purpose so i could make sure to catch the manager. I asked again, why she couldn't erase my information, that i did not provide. Again she said it was the law. I again asked for the statute or code that covered this particular law she was referring too, nothing again. I informed her that i was going to be reporting her to the FTC and going to be getting a lawyer involved in the situation. I was denied again. I informed her that not only is this company stealing my information but that i was going to be pursing a law suit against her as well for also being criminally negligent as well by honoring my request to delete information that they were not entitled to per myself.

Company response to consumer: Closed with explanation