vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another complaints to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX 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 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2024-03-12 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Remove the fraudulent accounts from my credit report immediately ; Equifax 's denial is unacceptable, and failure to comply will result in legal action. I demand prompt action in accordance with the law to ensure my credit report is accurate and free from fraudulent accounts, with written confirmation of the removal. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$18000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I was trying to use my card one day, but it wouldnt go through anywhere. Nobody called me for a heads up or anything. I started calling the bank, and they would run me around, saying they cant tell me ; I need to call this number, and the number was for the fraud department. I asked, " Why was my account blocked? '' They gave me a dumb answer that didnt make sense. They were aware of the deposit happening & the amount because I spoke with them several times that month and the month before. There should be notes. They were the ones that advised me to get a check from my other account, then deposit it. Ironically by the time the transfer was able to be sent, the interest rate for the CD account I wanted to use the money to open dropped. So someone called me to open the CD account, and I was hesitant because of the rate, ask them if they can honor the rate myself and another staff had initially gone over, they said no and I told them I would let them know. They emailed me documents which Ive never signed. I check my account, and my money that I transferred is not there until today. Mind you the frauded the account and removed my money all at once. Ive called several times for them to make the money available in my account, and they said only the person who opened it can do so, and theyll have him call me, but hes never called me. I have the document in my email still unsigned. Ive told him last we spoke I am not opening it to hold off. So they blocked my account and accused it of fraud and took my money. It seems Bank of Texas is the fraud here. I want a suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: NJ

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Remove the fraudulent accounts from my credit report immediately ; TransUnion 's denial is unacceptable, and failure to comply will result in legal action. I demand prompt action in accordance with the law to ensure my credit report is accurate and free from fraudulent accounts, with written confirmation of the removal. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} .

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 2024-03-12 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: IL

Complaint narrative:
Upon reviewing my credit report, I noticed accounts listed that I did not give permission. The collection agency has not provided sufficient proof of ownership or authority to collect the debt. 15 USC 1681e ( b ) of the Fair Credit Reporting Act, states If I didnt give written consent its considered identity theft. I did not give any reporting agency permission to report this inaccurate, unverifiable information to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report, I noticed accounts listed that I did not give permission. The collection agency has not provided sufficient proof of ownership or authority to collect the debt. 15 USC 1681e ( b ) of the Fair Credit Reporting Act, states If I didnt give written consent its considered identity theft. I did not give any reporting agency permission to report this inaccurate, unverifiable information to my credit report. 
XXXX XXXX XXXX XXXXXXXX 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Formal Response to Notice Regarding FCRA Section 605B sent to me, dated XX/XX/2024 Dear TransUnion, I am writing to address the recent communication from your office dated [ date ], regarding my request under Section 605B of the Fair Credit Reporting Act ( FCRA ). In your response, you have made the audacious assertion that my request is either an error, a misrepresentation of material fact, or an attempt to obtain goods/services. Frankly, I find this response both egregious and utterly unacceptable. 

Let me be unequivocally clear : I am utterly exasperated by your continued disregard for the gravity of my situation and your failure to comprehend the severity of the identity theft I am enduring. Your cavalier dismissal of my request as a mere error or misrepresentation is an insult to my intelligence and a slap in the face to the countless individuals who have fallen victim to identity theft. 

I find it utterly preposterous that you would dare to insinuate that my request, supported by irrefutable evidence including a meticulously filed police report and thorough documentation of my identity, could be misconstrued as anything other than a legitimate effort to rectify the egregious errors tarnishing my credit report. The notion that I would fabricate such a claim to obtain goods or services is not only baseless but also deeply offensive. 

Your attempt to trivialize my ordeal by reducing it to a mere dispute over reporting accuracy is an affront to the suffering I have endured as a victim of identity theft. I remind you that the purpose of Section 605B is not to engage in frivolous disputes but to provide a mechanism for individuals like myself to safeguard our financial well-being in the face of malicious fraud and deception. 

I demand that you cease this callous disregard for my rights as a consumer and promptly fulfill your obligations under the FCRA by processing my request for blockage without further delay. Failure to do so will leave me with no choice but to explore all available legal avenues to compel compliance and seek redress for the egregious mishandling of my case. 

I expect to receive immediate confirmation of the processing of my request and the subsequent blockage of fraudulent information from my credit report. Anything less will be deemed unacceptable, and I will not hesitate to take swift and decisive action to hold your institution accountable for its negligence and indifference. 

Sincerely,

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 2024-03-12 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
I recently pulled my 3 consumers reports and seen unauthorized inquiries placed on my consumer report. In accordance to the FCRA,15 U.S. Code 1681B- Permissible purposes of consumer report. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates! I didn't give XXXX, XXXX or Equifax written consent to report the these inquiries. 

I also didn't authorize these banks or vendors to furnish this data on my consumer reports. In accordance with the FCRA, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
I recently pulled my 3 consumers reports and seen unauthorized inquiries placed on my consumer report. In accordance to the FCRA,15 U.S. Code 1681B- Permissible purposes of consumer report. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates! I didn't give Experian, XXXX or XXXX written consent to report the these inquiries. 

I also didn't authorize these banks or vendors to furnish this data on my consumer reports. In accordance with the FCRA, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another complaints to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX 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 2024-03-12 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: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another complaints to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
Im part of the XXXX XXXX XXXX XXXX XXXX XXXX. My loans were suppose to be discharged and removed from my credit and a refund of all my payments by XX/XX/2024. They have not been removed from my credit and no refund has been issued. Im getting the run around with Mohela and the Borrowers Defense/ dept of education. Mohela says Im not due a refund and states its coming from Borrowers defense/dept education. They are saying its not. Im due a refund of all my payments made on these loans and the loans are suppose to be removed entirely from my credit report. I qualify for the refund since all my payments were made to XXXXdept of education through the years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am distressed that Experian Ahas included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. 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 account information, therefore, needs to be re-investigated and deleted : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-03-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian continues to violate my consumer rights. multiple violations per FCRA and the Privacy act of XXXX. Multiples disputes sent starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a recent XX/XX/XXXX disputes were sent and never resolved accurately per 15 USC 1681 ( a ) 2 ( i ).

Request for " investigative consumer report '' have not been provided although its been requested. 

Non-compliant with removals of unauthorized inquires per the Privacy Act of XXXX with over XXXX promotional inquiries causing humiliation, emotional damage/pain and suffering. I've made disputes online, certified mail & by phone. pER 15 usc 1681 PERMISSIBLE PURPOSES TO IMMEDIATELY remove XXXX unauthorized inquiries and the consumer reporting agencies continue to be non-compliant purposely.

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 2024-03-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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