vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. I want the following inaccurate items to be disputed and removed.

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 2023-03-09 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: GA

Complaint narrative:
I am still XXXX that Equifax did not put my Positive History from My XXXX XXXXXXXX Account, that was in good standing every since I had it back on my account. 

The account number is XXXX They had no authority to do this and cause my score to drop XXXX points. This is so unacceptable in every way imaginable. 

XXXX and XXXX Still have all of my positive history as it should be. 

They can contact XXXX and XXXX to pull that information in order to put it back on my Equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 

Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 

As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 

Furthermore, I request that you investigate the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 

I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 

Sincerely, 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 2023-03-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 

Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 

As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 

Furthermore, I request that you investigate the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 

I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 

Sincerely, 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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Account # XXXX Account was sold to collections agency unauthorized to do business in my state account was open and currently is. ( XXXX XXXX Nevada )

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 2023-03-09 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: MI

Complaint narrative:
I have called Experian several times about each of the point withdrawn from my report. Any and every credit check that isnt connected to a card on my credit report is not fine I XXXX XXXX have to permission to any creditor to check my credit that its already on my report. Ive tried to us there site but not able to input information without is being denied. My credit score has been tampered with for over 2 years and Ive wrote them several times. In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1691 Section 604 A section 2 : It also states a consumer report agency can not finish a account without written instruction.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for 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 2023-03-09 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: NY

Complaint narrative:
n 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 name : 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, 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 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 2023-03-09 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: NY

Complaint narrative:
n 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 name : 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, 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 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 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I became aware of this account when I was in college and pulled my credit report for a new apartment. That was the first time I reported this account as fraud and filed a dispute. I have also spoken with the original creditor both XXXX and XXXX to notify them that I did not open this account and it had to be some sort of fraud activity. That was also when I locked my credit report. Since then over the years I have disputed, and called numerous times to get this taken care of and resolved. Now I have been receiving numerous calls from debt collection numbers hassling me to pay these funds that I never received in the first place. I will now be taking this to litigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I bought a warranty plan for my hot water heater, that was supposed to cover product replacement and installation. the water heater started leaking and Lowe 's told me, that they could not find a service provider in my area to install or fix the heater. They paid for the new hot water heater with a Lowe 's card {$620.00} which was {$10.00} short for the newer model after finally getting back to me after 2 weeks and water running in the tenants home. They sent me a second card with the wrong name and I had to pay {$800.00} plus new hoses for installation out of pocket. This whole ordeal took 1month, during which the water kept running into the house. This can be validated by XXXX XXXX, a manager at a Arizona XXXX 's who did her best to help us for more than an hour.

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 monetary relief
Consumer complaint received 2023-03-09 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I dont have any business with any of these companies and my I am a victim of fraud XXXX XXXX XXXX National credit system XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NV

Complaint narrative:
Account # XXXX Account was sold to collections agency unauthorized to do business in my state account was open and currently is. ( XXXX XXXX Nevada )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NV

Complaint narrative:
Account # XXXX Account was sold to collections agency unauthorized to do business in my state account was open and currently is. ( XXXX XXXX Nevada )

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate account on my reports that I have been disputing for quite some time now. 

They are reporting an open account with inaccurate late payments. How are the late payments accurate if this account is also reporting that there is no balance owed and no monthly payment? 

This account is also reporting that the last payment taken for this account was XX/XX/XXXX but as you can see in the attachment below, there hasnt been any reporting information on this account since XXXX of XXXX. It is the responsibility of the consumer reporting agencies to conduct a thorough and proper investigations into all disputes and it shows that this was not done pertaining to this account. 

These late payments are illegally reporting and I am demanding that this account is to be updated accurately on my reports and all late payments be deleted.

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 2023-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
I attempted to contact XXXX XXXX to pay this numerous times. This did not show up On the inline portal. I was advised that the account number and my actual account number with this debt does not match

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 

Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 

As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 

Furthermore, I request that you investigate the inquiries made by XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 

I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: OR

Complaint narrative:
USBank is sending me much too many spam marketing emails. These are pure spam marketing email, not notifications about the accounts etc. I have no problem with useful emails. I'm talking about strictly marketing. 

These spam emails have no unsubscribe option. 

There is no preference in my account profile online to opt out of marketing spam. 

I call the best number for consumer support at USBank to get them to opt me out of their spam. They moved me to another division. They transferred me to another division, they transferred me to another division. That division was going to put my call through after I convinced the computer that neither of the two options they offered were my problem, but it disconnected me. I did a web search and found a special page to opt out of USBank marketing XXXX. It had a number to call. I called that number. 

After investigation USBank 's opt out specialist couldn't find a way to opt me out of USBank marketing spam. 

This may be the wrong place to complain, but unsolicited marketing spam should provide an opt out link on the email.

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 2023-03-09 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act.The listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Accounts on credit reports are incorrect in balance and was not authorized to share. The following accounts are : 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 2023-03-09 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 2022

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