vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 





In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. 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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This student loan from Department of Education was sold to XXXX XXXX XXXX 2018 and then to XXXX. During Covid-19 I was on a Forbearance and payments were not required. They are listed on my report as XXXX times late and now the status is still as potentially negative as 10 different entries this is one account with a balance of {$29000.00}. There are not 10 different accounts. I have disputed this account 5 times and it still appears on my credit report as a negative account. XXXX, which is my loan servicer has the account status as Exceptional credit. How can one be negative and the other exceptional and it is the same account? I've tried fixing this several times, but it remains on my credit report as a negative account. Can you please fix this since it seems the credit bureau 's are ignoring me? Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan 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 2022-05-26 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: NJ

Complaint narrative:
I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: NJ

Complaint narrative:
I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: NJ

Complaint narrative:
I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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 2022-05-26 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: GA

Complaint narrative:
15 usc 1681 ( A ) 2 ( a ) ( 1 ) clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Allowing transactions and experiences between XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX and my self, the consumer to be be furnished on MY CONSUMER REPORT is a directly violation of what the law states should be excluded from my consumer report. This continuous violation by your company is keeping my consumer report from being equitable to me.

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 2022-05-26 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: TX

Complaint narrative:
I disputed these accounts because I deemed them questionable and inaccurate. In these letters I requested Experian to validate these items they are reporting on my credit file. 

report numbers are as followed:XXXX XXXX Each time I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) they don't send me the proof I requested, and only send me a generic letter stating that the account has been updated or the item has been " verified ''. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and data furnishers are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 
Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


This is my second complaint that I am filing against Experian. I do not believe they have followed regulations in properly verifying information on my report to be true. Every time I would ask for a re-investigation, Experian sends me a email and says that the dispute has been opened, and it seems like each time the investigation gets shorter and they end the investigation I spoke with a agent at Experian via telephone today. She stated that Experian 's only job in the dispute process is to send consumers disputes to the creditors and have them verify the information to be accurate. Well, my question to Experian is how are you validating these disputed accounts? Are you taking the creditors word for it or are you actually doing your job by properly reviewing actual evidence that shows a consumer is legally obligated to that debt ( original contract bearing a signature ) I literally have 20 hard inquiries on my report from companies I have no knowledge of ever authorizing them to access my report. Which is a FCRA Violation under section 15 USC 1681b I disputed those items with Experian and all have come back " verified ''. 

Since then I have written validation letters to every creditor that I disputed with Experian and requested them to provide me with a contract bearing my signature authorizing their company to access my report ; or to show that I am legally obligated to pay on the debt in question.

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 2022-05-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number 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

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 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I previously applied for a capital one card with help of my home attendant. She stated the card application was denied. Upon checking my credit report I notice a approval for XXXX from capital one with a balance of XXXX. Called capital one to verify account and the phone number used to activate and set up the account was the same one as my home attendant. Which ends in XXXX. I notified my credit card company of fraud and they will keep in contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: PA

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove the listed inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX and I am including them againXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX CARD SERVICES Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Date XX/XX/XXXX ; UXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX CARD SERVICES Inquiry Date XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: NJ

Complaint narrative:
This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX XXXX Address : Address, City, State Zip XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN XXXX Remove any other numbers you may have on file!! 

Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data! 

These items are reported inaccurately : NAMES : XXXX XXXX XXXX XXXX XXXX XXXX Prior Residency : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Current Residency XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date of Birth XXXX XX/XX/XXXX XXXX CURRENT EMPLOYMENT XX/XX/XXXX Current Position XX/XX/XXXX Prior Position XX/XX/XXXX SSN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have previously summited information letting Equifax know these accounts are fraudulent. Nothing has been done. The accounts are still reporting. My Identity ( social security number name and address ) was exposed in the XX/XX/XXXX EquifaxXX/XX/XXXXData Breach. I believe this breach is how my identity was obtained to open these accounts. I have several fraudulent accounts reporting on my credit profiles. Accounts listed below : I did not authorize anyone to seek credit in my name, XXXX XXXX account # XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I have tried numerous times to dispute this account it is showing on my credit reports as a derogratory account with a zero balanced out and a high balance still being reported.

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 2022-05-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've written numerous letters disputing the accuracy of the bankruptcy listed on my credit report. My most recently dated dispute sent certified mail with hard copy return receipt postmarked/date stamped XX/XX/2022, I've AGAIN requested you provide me with the proper verification of the information you've entered in my credit file as well as provide me the process ( es ) and procedure ( s ) used to determine this entry is " certified as accurate ''. I included the letter I wrote to the bankruptcy court using the information you have listed in my credit file. I also included the response letter the bankruptcy court sent me stating the court doesn't provide any information to any business, including credit bureaus i.e. XXXX, XXXX XXXX, Equifax, XXXX XXXX, XXXX, etc. You've already completed the investigation stating the same " certified as accurate. '' Once again you've failed to provide me with the procedure ( s ), process ( es ), and documents used to verify this inaccurate information. I've included in this complaint a copy of the blank bankruptcy section of my XXXX XXXX report as it doesn't list a bankruptcy in my XXXX consumer file, however you have XXXX listed as the source of the bankruptcy entry and closed my dispute stating you've verified this information. Who did you verify the bankruptcy information with and where are the documents showing the information used to verify it. 

In each letter I requested your company mail me the documents used to verify the inaccurate bankruptcy information along with a copy of my FULL COMPREHENSIVE CONSUMER CREDIT REPORT which includes all information included and listed in my credit file by XXXX MAIL. 

Per the FCRA, 15 U.S.C. 1681 ( a ), your company has failed to perform your due diligence by fully and completely performing a proper investigation of the inaccurate bankruptcy you've listed in my credit file and on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
I have been called repeatedly about this debt from a law firm Aldous & Associates. It has been nonstop harassment. I have been receiving calls frequently at varying times, causing a great disturbance to my daily life. They have continued to contact me repeatedly and leave voicemails after I have already spoken to them over the phone. They refused to set up a payment plan and said to call back when I am able to pay. I dont agree that I owe the debt because it was a fee tact on by a former residential community, after I fulfilled all rents due. I was going to pay to have them stop harassing me, but even after I spoke with them and told them I would call back when I have the money and told them that I didnt need to be contacted further until I was ready to call back they continued with the harassing calls. This has given me great anxiety anytime the phone rings. Im also wary about potential legal action from this law firm because they are frequently calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I had mail from Square , Inc. It was another business debit card that I did not want or request. Today I called and went onto their website to work on getting the account closed, but they have work hours that don't match my life, so I will have to try again tomorrow. 

Once again I do not know who opened this account, what the business name or purpose is, and if any or how much financial activity has occurred on this account. 

What I want is for this to stop! I want this account closed. I would also like any information about this fraudulent account forwarded to the XXXX XXXX Sheriff 's Office in XXXX, Georgia under case number XXXX. 

I have checked my XXXX report again and no request or inquiry from Square is there, so I would also like for them to find a way of verifying applicant identification when creating new accounts. If my credit were run they would have notice the fraud alerts and credit freezes. Had they run the XXXXXXXX XXXX  report I would be fighting with them to have some from of alert system added to my account. As it is I am spending more time, yet again, on this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Acct XXXX Called from XXXX XXXX XXXX at XXXXXXXX XXXX cst on the XXXX of XXXX monday XXXX@procollect.com during communication the collector lied and claimed the deadline was the XXXX of XXXX They constantly call me at work and yell as soon as I ask them for proof, hang up on me. etc. Just rude and unruly behavior according to my research they are required to " Tell you the specific amount that you owe, broken down b y item and including late charges and interest ''. 
THEY DECLINE PROVIDING ANY SORT OF REAL INFORMATION THEY JUST YELL AT ME Say the name of the creditor to whom the money is owed. 
They did do that, but there's no reason I should have any sort of collections from them 0 damage past wear and tear was left behind the XXXX never notified me of said debt this just popped up in the report out of nowhere and it is off putting their tactics Give you the right to contest that you owe the debt within 30 days, and letting you know that if you do not contest the debt in 30 days, you consider it valid. 



State that if you contest within 30 days that you owe the debt, they will obtain verification that you owe it and send it to you.

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