vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 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:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility with maximum accuracy. I have never been late on payments for the account : XXXX XXXX XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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:
I have multiple late payments on my account that are inaccurate and I tried resolving the issue with the reporting agencies in which they responded with " account verified ''. I was never provided a copy of how the account was verified and my report is still showing these inaccurate late payments for XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; and XXXX XXXX XXXX, XX/XX/XXXX. I have sent in multiple letters requesting that these late payments be removed because they are inaccurate and wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: PA

Complaint narrative:
I received a phone call in XX/XX/XXXX from XXXX representing DNF Associates saying I owed on XXXX XXXX account they claimed I last paid in XXXX. I told them I did not recognize that account and it isnt mine. On XX/XX/XXXX I received an email from XXXX representing DNF Associates saying I owe them on an account now saying the last payment was in XXXX - so the rep lied as the date now makes it out of the statute of limitations to sue since I do not even claim this account. I also got a letter from them a few days later. I completed the form to dispute and returned it via certified mail. I got the received receipt early XX/XX/XXXX. Never received any information from DNF showing I own this account. Then beginning in XXXX I received contact from DNF through XXXX XXXX. The email sent on XXXX gave me an amount but no dates at all. Shortly after I got 2 phone calls a day for a few days. I called and told the rep it is not mine and I am disputing it. She became belligerent talking over me saying she doesnt believe I dont remember and that it wont do any good to dispute it. I hung up. I sent the dispute form in and on XXXX filed a complaint with the PA Attorney General. After XX/XX/XXXX DNF added this account on my credit report- despite not validating this debt. I believe they know they cant validate it as it isnt mine and they are trying to bully me into paying by barraging me with debt collectors and adding unverified info to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: VA

Complaint narrative:
this account XXXX XXXX has been deleted from my report but its still showing on my account. this is a violation and needs to be taken care off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 at XXXX a total of XXXX was sent to completed to chase to be deposited. When i checked my account I received an error message stating updated balances were not available. I logged in this morning and the deposit has not been reflected on my account despite the confirmation that funds were debited and the instant transfer was completed from XXXX. I called chase multiple times and after an hour on hold with a manager reveiwing my account my call was disconnected with no resolution and no attempt to reach out again was completed. I called another supervisor and they put me on hold and transferred me to a closed department without notice. I've completed the instant transfer service to my account many times over the years and this is the first time I've had an issue. They refuse to rectify it and keep putting me on hold and hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have sent letters and communicated to each credit bureau by phone about the inaccurate reporting of this collection account # : XXXX. The date originally for this account was opened on XX/XX/XXXX ... Each bureau was showing that this account was opened in XXXX which is Inaccurate. XXXX deleted the payment history but the account remains on my file as negative, XXXX reporting as if Im making payments and Im not. But due to XXXX not doing proper investigation and reporting, I just ask that my credit file be updated properly. All of this Inaccuracy negatively affects my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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:
I have sent numerous letter 's to XXXX and XXXX XXXX about a collection account that is still showing on my credit report. I no longer have a collection with these XXXX companies and it's still showing up on my consumer report which is causing me personal and financial problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: VA

Complaint narrative:
this account XXXX XXXX XXXX XXXX  has been deleted but its still reporting on my credit report. this should not be reporting. this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX  XXXX XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc.
State: OH

Complaint narrative:
The information on my credit report dont match the actual reporting dates on the credit building app

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: FC HoldCo LLC
State: FL

Complaint narrative:
I was looking for auto loan refinance options and applied to some companies like XXXX XXXX, XXXX XXXX, etc. These are companies that act as a link between consumer and Lender or Credit unions who offer loan amount. 

After few days of applying, I see there are hard inquiries on my Credit Report from these lenders on XXXX XX/XX/2023 : 1. ) XXXX XXXX 2. ) XXXX XXXX XXXX XXXX 3. ) Flagship Credit Acceptance These hard inquiries were done on my credit WITHOUT MY CONSENT. 

When I contacted one of them, they replied that I need to register a complaint with Federal Trade Commission website, ftc.gov. They will evaluate me after I do this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allegiant Capital Recovery LLC
State: PA

Complaint narrative:
I received a phone call in XX/XX/XXXX from XXXX representing XXXX XXXX saying I owed on XXXX XXXXXXXX account they claimed I last paid in XXXX. I told them I did not recognize that account and it isnt mine. On XX/XX/XXXX I received an email from XXXX representing XXXX Associates saying I owe them on an account now saying the last payment was in XXXX - so the rep lied as the date now makes it out of the statute of limitations to sue since I do not even claim this account. I also got a letter from them a few days later. I completed the form to dispute and returned it via certified mail. I got the received receipt early XX/XX/XXXX. Never received any information from XXXX showing I own this account. Then beginning in XXXX I received contact from XXXX through XXXX XXXX. The email sent on XXXX gave me an amount but no dates at all. Shortly after I got 2 phone calls a day for a few days. I called and told the rep it is not mine and I am disputing it. She became belligerent talking over me saying she doesnt believe I dont remember and that it wont do any good to dispute it. I hung up. I sent the dispute form in and on XXXX filed a complaint with the PA Attorney General. After XX/XX/XXXX XXXX added this account on my credit report- despite not validating this debt. I believe they know they cant validate it as it isnt mine and they are trying to bully me into paying by barraging me with debt collectors and adding unverified info to my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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:
I have sent numerous letter 's to XXXX and XXXX XXXX about a collection account that is still showing on my credit report. I no longer have a collection with these 2 companies and it's still showing up on my consumer report which is causing me personal and financial problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Phoenix Financial Services LLC
State: OR

Complaint narrative:
Several calls before XXXX XXXX. When I asked for more information about the debt they hang up the phone and I can't get answers. They continue to call before XXXX XXXX  from different numbers so I can't block the phone numbers. 

I am XXXX  with medical insurance and I have never been in an ambulance. This medical debt for ambulance services are charges I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance The FCRA my rights are being violated. According to 15 U.S. Code 6801-Protection of nonpublic personal information.

15 U.S. Code 6802 -Obligations with respect to disclosures of personal information.

Once again my rights are being violated and illegal practices is taking place.

I have not given Any company written or verbal consent to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 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: SC

Complaint narrative:
In accordance The FCRA my rights are being violated. According to 15 U.S. Code 6801-Protection of nonpublic personal information.

15 U.S. Code 6802 -Obligations with respect to disclosures of personal information.

Once again my rights are being violated and illegal practices is taking place.

I have not given Any company written or verbal consent to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: FL

Complaint narrative:
I recently a copy of my credit report and was shocked to learn that, I have been a victim of identity theft. I found numerous accounts on my credit report that was not opened by me. This has been hurting me as I am in the process of purchasing a new home for me and my family. Please remove all the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was placed as a Authorized user on my mother 's Capital One credit card, and after 2 weeks Capital One sent my mother a email stating that she removed me from her account. After calling into Capital One and speaking to a representative, she was later informed that Capital One removed me from her card based off a " business decision '' due to my " past or present '' legal actions. I later applied for a Capital One credit card of my own and was accepted and granted a card. However, when the card came in the mail i was unable to activate it due to them saying the same thing " based off past or present legal actions '' I am denied. I do not have any legal issues pending or present. I however had legal trouble in the past but have changed my life around for the good. I am being denied access to credit which is hindering me in life and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: IL

Complaint narrative:
I recently received unauthorized hard inquiries on my credit report here are the following inquiries that was made XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 2023-04-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: AZ

Complaint narrative:
NOTICE OF FAULT. EQUAFAX continues to report erroneous information that is not in uniformity with the other reporting agencies. This erroneous reporting is causing liability and possible irreparable damage not only int the private but also to my business. This is a continually yeah issue with Equafax in the event they can not correct us we will take legal action. Thank you.

Company response to consumer: Closed with explanation