vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: PA

Complaint narrative:
XX/XX/XXXX, I went to court against XXXX XXXX XXXX because the landlord XXXX tried to evict me with false reasoning & collect amount of money he was never owed. XX/XX/XXXX, Judge dismissed case with prejudice because XXXX XXXX had zero proof for all claims. Nothing was owed to them, and I was given the decision on moving or remaining in their property. I moved out of their property the end of XX/XX/XXXX. We were sent the same letter that stated they had only within 30days to file another motion for any owed debt again. We never went to court again after they loss. Nothing was filed in that year at all under my name. XX/XX/XXXX, I was notified from XXXX that theres a new debt on my name that just reported within that same month stating I owe double the amount we went to court for originally & now I cant have it removed because its reported to some untrusted collection agency who has multiple numbers & unable to do anything. I need this removed off my name immediately it is stopping me from trying to buy or rent or homes because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, the account did not appear on my credit report. However, it unexpectedly reappeared on XX/XX/XXXX, indicating a delinquent balance. This is inaccurate and a violation of the Metro 2 compliance standards. Specifically, there are apparent discrepancies related to the " date of last activity, '' " past due amount, '' and " date of last payment. '' I am writing to formally lodge a complaint against " XXXX XXXX  XXXX '' and the Credit Reporting Agencies ( CRAs ) Experian and XXXX regarding their unacceptable credit reporting practices. Despite my account with XXXX  XXXX XXXX being closed in XX/XX/XXXX due to fraud, these entities continue to report the account as active. Furthermore, XXXX refuses to address the issue, asserting that the account complies with the Fair Credit Reporting Act ( FCRA ). 

I believe this conduct constitutes a breach of the Fair Credit Reporting Act ( FCRA ), particularly sections 623 ( a ) ( 2 ) and 623 ( a ) ( 5 ). According to Section 623 ( a ) ( 2 ), furnishers must provide accurate information, which they have failed to do in this case. Section 623 ( a ) ( 5 ) mandates that furnishers report the delinquency date to the CRAs, which has been incorrectly handled here. 

Furthermore, this erroneous reporting violates the Consumer Financial Protection Bureaus ( CFPB ) Regulation V, which implements the FCRA and has been disregarded in this instance. Under Regulation V, furnishers must rectify and update inaccurate information, a responsibility they have neglected. 

The inaccurate reporting by these entities has had a detrimental impact on my credit history and score. Consequently, it unfairly hampers my ability to access credit and other financial services. XXXX XXXX XXXXXXXX and the CRAs ' ongoing negligence and failure to comply with consumer protection laws and Metro 2 compliance standards are causing significant harm to me.

I am asking for an immediate investigation into this matter by the CFPB. Also, I demand that the CRAs correct my credit report to delete the erroneous information, accurately reflect the status of my account, and ensure future compliance with the FCRA and Metro 2 standards.

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 2023-05-27 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: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 Stated that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 Stated that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 non-monetary relief
Consumer complaint received 2023-05-27 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV collections are refusing to remove accounts from my credit report. I'm currently on the phone in regards to this matter with the agent/supervisor. This is damaging my reputation which is a violation pursuant to the FCRA. I've applied for credit and was denied due to this, I also have a right to privacy and theyre willingly and knowingly reporting inaccurate information on my credit file. I also never gave this company my written permission to furnish on my credit file. They have stated that theyre not required to provide a consumer with a validation of debt, and that a verification of debt is all theyre required to do. I'm disputing this account on those grounds. I do not validate this debt at all, so how can they validate?. They can not, so i'm requesting for these alleged accounts to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Experian is reporting one inaccurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. It is a 60 day late payment posted in XX/XX/2018. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this I did NOT give Experian written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Experian has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 usc 1681 section 602 states 1 have rights to privacy.

15 usc 1681 section 604 section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15ucs 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: DISCOVER BANK
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 usc 1681 section 602 states 1 have rights to privacy.

15 usc 1681 section 604 section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15ucs 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: DC

Complaint narrative:
I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report per code 6050p of the Internal Revenue Service XXXX 

As a responsible borrower, I have always made an effort to pay my debts on time and in full. Therefore, it is particularly distressing to have a write-off reported on my credit report, especially when I have not received any notification or documentation indicating that the debt has been cancelled or forgiven. 

I request that you investigate this I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: WI

Complaint narrative:
LOOK AT MY ATTACHED COMPLAINT AND PLEASE DO NOT CLOSE IT WITHOUT A REAL SOLUTION

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 2023-05-27 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
XXXX was filed against AMEX for fraudulently adding unauthorized transactions back to accounts that were already closed by me and evidenced as acceptable by them with {$0.00} balance closing account statements. They have then proceeded to destroy my pristine credit record that I have built over 30 years. I can not do anything financially now and everyone looks at me like I am a deadbeat. All of the rest of my credit record is pristine but I refuse to pay the fraudulent charges from AMEX so they are ruining me. Why are you letting them do this? Please get this mess straightened out. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
After attempting to set a meeting with XXXX XXXX, Vice President Market Expansion Branch XXXX at JPMorgan Chase & CoXXXX in the XXXX XXXX area, XXXX eventually stopped responding to emails and stopped talking phone calls. I've attempted to set the meeting to facilitate closing of a nonprofit organization 's checking and savings accounts as we transition to a new banking institution. XXXX and I were previously connected on XXXX. After I attempted to get her attention in a public forum on the social media site, she removed the connection and still has failed to respond to my reasonable requests to close accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
How can I take legal action against Experian? 
Dear CFPB personnel, I urgently need your help. I have good 750+ credit score both with XXXX XXXX XXXX XXXX but a 680+ score with Experian. Both XXXX & XXXX HAVE already REMOVED MY BANKRUPTCY FROM MY CREDIT REPORT ( AFTER 7 YEARS FROM XXXX XXXX  ). Experian has so far REFUSED TO REMOVE MY BANKRUPTCY FROM MY CREDIT REPORT. Experian is getting INCORRECT info verified and hurting me in getting loan approval, credit cards etc. 
The clerk at the court house said ; THE UNITED STATES BANKRUPTCY COURT DOES NOT ( I REPEAT DOES NOT ) REPORT ANY INFORMATION TO THE CREDIT BUREAUS the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately ( I REPEAT THE BANKRUPTCY INFORMATION ON MY CREDIT REPORT MUST BE DELETED/REMOVED IMMEDIATELY ). Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: NC

Complaint narrative:
There were a number of fraudulent accounts listed on my credit report all were removed accept XXXX XXXX date opened XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have no knowledge of this Honda Financial account. I believe I was a victim of identity theft. I would like this removed from my credit report expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: Capio Partners, LLC
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX ASSET CARE LLC, 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 cannont furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: OH

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX - account is flagged for " fraud '', not fraud its me that caused the fraud XX/XX/XXXX - im told that account flagged for " fraud '', take 10-15 business days XX/XX/XXXX - On hold Still XX/XX/XXXX - 15 business days past. account still frozen and im being charged XXXX when i cant even use the account. 
XX/XX/XXXX - Open CFPB complaint

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 2023-05-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Accounts : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Miscellaneous ), XXXX XXXX  ( Miscellaneous ), 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 agenecy can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-27 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: Cascade CISS Holdings, LLC
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX  ( Miscellaneous ), 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 cannont furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: OH

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian knowing holds back correct report. How can they offer a boost in your report if you pay the monthly fee?

This means they knowing know their reports are wrong while filing them for other businesses to use.

This is unfair business p [ racticve and very deceitful to consumers. Also causing in higher interest loans due to lower credit.

How can you guarantee a boost in someone's credit without knowing your company is lower on PURPOSE.

Company response to consumer: Closed with explanation