vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
This is a notice to cease and desist all communication in attempt to collect this debt unless it is a response to provide me with my specified remedy. This company is required by law to do what I am demanding. I am asking your company to cease all communication with me through any and all mediums in regards to the alleged debt that is claiming to be owed unless you are invoking a specified remedy that I am asking for. According to 15 usc 1692a ( 2 ) - the term communication means the conveying of in information regarding a debt directly or indirectly to any person through any medium. Any medium includes any written, oral, electronic. Therefore my consumer report to which you are furnishing is bearing information regarding this alleged debt which would be a communication under the FDCPA. 

I am hereby providing you formal notice to cease and further communication regarding this account immediately which includes telephone, email, social media and any consumer reporting agency in which you have furnished information. 

Any further contact from your agency except a communication confirming your acknowledgment of any letter or specified remedy is a direct violation of the Fair Debt Collection Practices Act. 

I am also asking for compensation of {$1000.00} for this alleged debt being reported onto my consumer report which is harming my reputation and violation of 15 USC 1692d ( 1 ) any bad debt furnished onto my consumer report causes injury for me to provide for my family. 

If you do not cease communication and remove derogatory information from my consumer report a lawsuit will be commenced upon your company for compensatory damages

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: CA

Complaint narrative:
Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXX CARD XXXX Date Opened XX/XX/XXXX Balance : {$740.00}.

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 2022-09-16 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: MO

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX MC XXXX Balance : {$670.00} ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: MO

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX MC XXXX Balance : {$670.00} ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: CA

Complaint narrative:
Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXX CARD XXXX Date Opened XX/XX/XXXX Balance : {$740.00}.

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 2022-09-16 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: CA

Complaint narrative:
Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXX CARD XXXX Date Opened XX/XX/XXXX Balance : {$740.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reportinng XXXX XXXX and XXXX XXXX XXXX. I need them to validate and verify these accounts. they are fraud. I need to see contracts with my wet signature by law.

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 2022-09-16 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: VA

Complaint narrative:
The credit bureaus stated that the account belonging to XXXX XXXX XXXX was properly investigated and all information is accurate however this can not be true since there are more than 70 violations combined for the XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to 15 USC 1681, all information furnished by the bureaus must be 100 percent accurate. For these accounts, it is reported that they have been charged off according to XXXX however, XXXX reports that they have been charged off and that there is a balance due thus making the accounts past due as of XX/XX/XXXX. This makes no sense and the reported information is not matching up. This mismatch of information is noticeable for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for all six accounts. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were in good standing however XXXX reports 30 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 30 days delinquent however XXXX reports 60 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 60 days delinquent however XXXX reports 90 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 90 days delinquent however XXXX reports charged off. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were in good standing however XXXX reports unknown status. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were unknown status however XXXX reports that they were current on payments. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were unknown status however XXXX reports that the accounts were current on payments. The combined 77 violations notated in these six accounts are grounds for removal as they are violating XXXX XXXX XXXX ' rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: VA

Complaint narrative:
The credit bureaus stated that the account belonging to XXXX XXXX XXXX was properly investigated and all information is accurate however this can not be true since there are more than 70 violations combined for the XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to 15 USC 1681, all information furnished by the bureaus must be 100 percent accurate. For these accounts, it is reported that they have been charged off according to Experian however, XXXX reports that they have been charged off and that there is a balance due thus making the accounts past due as of XX/XX/XXXX. This makes no sense and the reported information is not matching up. This mismatch of information is noticeable for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for all six accounts. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were in good standing however Experian reports 30 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 30 days delinquent however Experian reports 60 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 60 days delinquent however Experian reports 90 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 90 days delinquent however Experian reports charged off. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were in good standing however Experian reports unknown status. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were unknown status however Experian reports that they were current on payments. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were unknown status however Experian reports that the accounts were current on payments. The combined 77 violations notated in these six accounts are grounds for removal as they are violating XXXX XXXX XXXX ' rights.

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 2022-09-16 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: TX

Complaint narrative:
This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my credit report coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. here are the items that needs to be remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX,XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 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:
This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my credit report coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. here are the items that needs to be remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: TX

Complaint narrative:
It has been brought to my attention that the Credit Bureaus did not just ignored my request for the removal of the disputed items but has continued reporting the disputed items as verified and correct! This is a clear violation of my rights as a consumer! Under the Fair Credit reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, in my situation, the Credit Bureaus have been ignoring their responsibilities with the Fair Credit Reporting and have claimed that the disputed items are verified without sending me copies of proof of verification. Also, the Credit Bureaus are claiming to have sent me an updated copy of my Credit Report but I tell you, I have received nothing! I am submitting this CFPB Complaint to you today to complain about the Credit Bureaus willful non-compliance with the Federal Statute. With accordance with the Fair Credit Reporting Act section 605b, I am ordering the Credit Reporting Agencies to immediately remove the following fraudulent accounts and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing for the correction of the account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} that has been erroneously reporting on my Credit File. This account is reported as a charge off account and yet it has been continuously reporting an alleged balance of {$810.00}. I do not know that much but for all I know Charge off accounts should report a {$0.00} balance. I have been frequently requesting that the Credit Bureaus remove the balance and change it to XXXX but the Credit Bureaus have been stubborn with their claims. Also, I have been requesting the Credit Bureaus to provide me copies of proof of verification since they have been reporting this account as verified in which I strongly disagree. I am now submitting this CFPB complaint to request to the Credit Bureaus that they either remove the balance and change it to XXXX or completely eradicate the disputed erroneous account from my Credit File.

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 2022-09-16 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:
Please Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my XXXX credit report and found the following item ( s ) to be in error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received a copy of my XXXX credit report and found the following item ( s ) to be in error XXXX XXXX XXXX DateXXXX XXXX received a copy of my XXXX credit report and found the following item ( s ) to be in error : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation