vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2022 and XX/XX/2022, I sent EQUifax a request to reinvestigate incorrect items which were listed in my credit history report. There was a collection for XXXX no orginal creditor listed just XXXX. I asked for verification and reinvestigation. They updated comments saying that i dispute the account but nothing was corrected. I also reached out to the collection agency and recieved nothing back. I contacted them twice. Please note that i sent mail to XXXX certified becuase i didnt get a response. The traccking number with XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Some one attempted to deposit a check in my Truist mobile banking from Texas that I dont know anything about I live in XXXX and I didnt authorize any deposit. As of right know the account is closed but the bank is saying that Im responsible for the XXXX negative balance. Ive reported it to the fraud department.

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 2022-05-29 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX Account, Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to my 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.

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 2022-05-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX bought an auto debt from XXXX XXXX. Despite at least three ( 3 ) challenges to the debt as reported, in excess of {$20000.00} it is reported, and for a product that I do not have and have not had that dates back at latest to XXXX in going late, XXXX XXXX XXXX continues to report as though the original debt, for an automobile, is recent, as in XXXX or XXXX and as a result, it is forever/never falling off my credit reports to Experian, XXXX, and XXXX. The vehicle was repossessed. I have asked the credit reporting agencies have XXXX XXXX produce the orginal note/debt as proof when contacting the credit reporting agencies to challenge information inaccuracy, particularly the dates on my report and the amount of the debt, especially since the personal property was recovered and resold, but nevertheless, every time I dispute, the credit reporting comes back that the debt is verifiable. It is frustrating, it is wrong, and it is adversely impacting my credit score, and it has been doing so for years. I know the debt as listed is untrue based on amount and based on credit age. I know this to be untrue, because I know when I did original auto loans and when things went wrong. One was in XXXX and the other was in XXXX. Pursuant to the Federal Credit Reporting Act, debt falls off after 7 years, generally. I have not been in touch with anyone from XXXX XXXX directly, and I do not intend to be. However, I have disputed this through the credit reporting agencies on at least 3 occasions. It is not right that the credit reporting agencies work in concern with this company to wrong consumers by keeping inaccurate information on credit reports and adversely impacting lives. I want XXXX XXXX 's listed debt removed from my report, and I do not wish to be in touch with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2022-05-29 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:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2022-05-29 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: FL

Complaint narrative:
Equifax deleted an open and positive auto trade line ( XXXX XXXX XXXX XXXX  ) from credit report without authorization and/or without cause. Dropping credit score tremendously. RepXXXX refused to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I recently received a copy of my credit report and I see there is inaccurate information for my personal information section. To diminish speculation my personal information is as follows : Legal name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Employer : XXXX XXXX Please remove any other references to my name, address, and employer as they are not mine and I have never used them. Also, please send me an updated copy of my credit report when these changes are made. 
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 2022-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: FL

Complaint narrative:
HI MY NAME IS XXXX XXXX MY DEBIT CARD WAS STOLEN AND USED TO MAKE FRAUDULENT PURCHASES, I DID NOT AUTHORIZE THE CHARGES AFTER MY DEBIT CARD WAS STOLEN, THOSE TRANSACTIONS WERE DONE FRAUDULENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, I recently received a copy of my credit report and I see there is inaccurate information for my personal information section. To diminish speculation my personal information is as follows : Legal name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Employer : XXXX XXXX Please remove any other references to my name, address, and employer as they are not mine and I have never used them. Also, please send me an updated copy of my credit report when these changes are made. 
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 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I recently received a copy of my credit report and I see there is inaccurate information for my personal information section. To diminish speculation my personal information is as follows : Legal name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Employer : XXXX XXXX Please remove any other references to my name, address, and employer as they are not mine and I have never used them. Also, please send me an updated copy of my credit report when these changes are made. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX  XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from your credit report. PLEASE PROVIDE MY SIGNATURE ON THESE INQUIRIES

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 2022-05-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXXXXXX XXXX XXXXXX/XX/2021 DISPUTED BY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, Experian, and XXXX must remove these inquiries from your credit report. PLEASE PROVIDE MY SIGNATURE ON THESE INQUIRIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/2022 and XX/XX/2022, I sent XXXX a request to reinvestigate incorrect items which were listed in my credit history report. There was a collection for XXXX no orginal creditor listed just LVNVFUNDG. I asked for verification and reinvestigation. They updated comments saying that i dispute the account but nothing was corrected. I also reached out to the collection agency and recieved nothing back. I contacted them twice. Please note that i sent mail to LVNV certified becuase i didnt get a response. The traccking number with USPS is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, YOUR COMPANY CLEARLY LOVES LITIGATION. YOU CONSTANLY VIOLATE THE LAWS. YOU CONTINUE TO VIOLATE CONSUMERS AND THEIR RIGHTS JUST AS OFTEN. IT IS NOT MY JOB TO DO YOUR JOB AND I WILL NOT. YOU ARE SOPHISTICATED THIEVES STEALING MY PERSONAL INFORMATION USING IT AS YOU PLEASE TO RUIN MY REPUTATION. EXPERIAN IF YOU AND YOUR VENDORS WANT TO CONTINUE COMMIT IDENTITY THEFT AT LEAST HAVE THE CORRECT PROPER INFORMATION TO DO SO. PLEASE spare me the ANTICS. Your company ABSOLUTELY does not Appreciate ANY Consumer who disputes their Consumer Reports. Your company loses money when this happens. Do not continue to insult my intelligence. THIS IS MY 3RD AND FINAL TIME REQUESTING YOUR COMPANY REMOVE, DELETE, UPDATE ALL OF MY PERSONAL INFORMATION I WANT LISTED IN YOUR SYSTEM. 

Now let 's move on shall we, you are in violation in more ways than one. I will just stick with your willful non-compliance/negligent noncompliance. I know your company is in the business to make money by gathering, processing, and archiving my Personal Information selling it and harming my life, my family and my reputation. Your company feeds my information into your data system with no regard to. As I stated previously your agency has several variations of names, addresses, phone numbers, employers, emails, ETC. This is my last request to have your company fix this inaccurate personal Information. Your company has an obligation/responsibility after I have expressed safety concerns. I clearly asked your company to REMOVE DELETE ALL names, all addresses, all phone numbers, all employers, all Social Security Numbers, all emails. 

This is the only information I would like reported on my Consumer Reports. XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. REMOVE XXXX FROM THE SPOUSE SECTION AS WE HAVE NOT BEEN TOGETHER IN 14 YEARS. 

PLEASE SEND ME UPDATED REPORTS WITH THE CORRECT INFORMATION. YOU'RE VIOLATING MY RIGHTS BY RUINING MY REPUTATION AND MY FAMILY IS BEING HARMED IN YOUR ILLEGAL WORKS. THE LAW ENTITLES ME TO REQUEST INACCURATE INFORMATION BE REMOVED. Please send an UPDATED

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 2022-05-29 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: FL

Complaint narrative:
I sent my letter off XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts. Because I have noticed inaccuracies and can provide screenshots. I also never opened these accounts and some of them been opened on my credit report for over 2 years. I am a victim of identity theft. I have a FTC report I can also provide. Thank you. 
I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX. 

According to the FRCA The term " investigative consumer report '' means a cosnumer report or portion thereof in which information on a consumer 's character, general reputation, personal charactersistics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reporter on or with others with wom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 
Accounts : # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
During the closing/lending approval process, all documents from lender ( New American Funding ) were electronically sent and signed. Included in the breakdown of all fees, there was a " seller/lender credit '' listed at - {$7500.00}. Before I signed, I deliberately asked the lending officer what that was. I was told " just sign the documents so we can continue moving forward ''. As the time came closer, I received a call from the underwriter stating the funds needed at closing was far greater than showing on the documents I signed. The underwriter looped in the lending officer into a three way call back on Wednesday XX/XX/XXXX. When asked about the " credit '' the lending officer stated he listed that on the loan document as a way to make it thru underwriting without having to validate the entire closing cost amount was available in my cash accounts. I was never informed of this at any point in the process until the moment I was " blind-sided '' by the underwriter. I was then told by the lending officer I was either responsible for coming up with the money or I would be denied the mortgage loan. I feel very strongly I was misled and information listed on the lending documents was fraudulent in order to get a loan approved. I then reached out to the Regional Manager of New American Funding on Thursday with a return call from him on Friday XX/XX/XXXX and he proceeded to stand up for his employee stating " he made a mistake and there was nothing they can do for me ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX and # XXXX ; XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; N/A? Account # 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 is also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: KY

Complaint narrative:
They're was a negative balance from 2021 XXXX XXXX  card Due to false charges that could not be resolved I overdrafted XXXX to recover the over XXXX charges I got a control NetSpend card I was assured that this card would not be affected by the XXXX  XXXX card XXXX was transferred to the card by social security I withdrew XXXX from card and made a XXXX purchase at XXXX and XXXX purchase from XXXX XXXX attempted to reverse the charge Which would of left a balance of XXXX Four days of them telling me they would contact all access And have them remove my Previous debt I attempted to contact XXXX  XXXX  no number worked not on card not online They wanted me to give them a additional XXXX on top of the money they had taken They also told me that they would send me a check in the mail but do not offer to send it with a tracking number n I do not believe that they would send it Today I asked for the XXXX  XXXX number to get them to remove the block they informed me they were the people I would talk to concerning the block I'm facing XXXX  XX/XX/XXXX and stand to loosing everything I own due to they're actions I can not wait for ten working days to receive my check I have attempted to speak to social security and control supervisor I have all this on audio

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 2022-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: SC

Complaint narrative:
This account is too old to be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation