vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 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: ProCollect, Inc.
State: NC

Complaint narrative:
I requested ProCollect to validate an account that they have been furnishing on my XXXX and XXXX consumer report. ProCollect failed to do so and instead sent statements which is not validation of an account. After requesting validation from ProCollect and not receiving it. ProCollect then turned around and furnished the information on my XXXX consumer report. According to 15 USC 1692a, Congressional findings or Declaration of Purpose, ProCollect is hereby informed that as a result of there fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially.

ProCollect and its agents harassed me for an alleged debt that was not even validated. ProCollect shared statements as well as a copy of my Consumer Contract as evidence of the debt but as per the judgement in the case of Pacific Concrete F.C.U. V Kaunanoe copy of the Consumer Contract is not sufficient evidence of debt. 
Due to Continuous acts of deceit, coercion, and intimidation, I was forced to take an uniformed decision and move into a shelter

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 2023-03-04 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: FL

Complaint narrative:
I have obtained my credit report and noticed the company XXXX is reporting inaccurate information on my credit report. I have attached my account balance showing that I am not past due and also that XXXX is reporting conflicting information on my consumer report. 

Consumer reporting agencies have a vital role and have a responsibility to report to the best of their ability with Maximum accuracy. I am not late on this account, was not late the previous months on this account. Creditor : XXXX XXXX XXXX XXXXXXXX. Please investigate and show proof that I was late. If proof can not be furnished I demand the account be deleted totally or ALL late payments be removed. Furthermore please discontinue reporting that a balance is owed to XXXX. There is no balance owed. 

Thank 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
Consumer complaint received 2023-03-04 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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My services Shellpoint mortgage is not reporting my monthly payments the southern district bankruptcy court does not do reaffirmations Shellpoint says I need an affirmation to report my payments to the credit agencys

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: CT

Complaint narrative:
I have sent out NUMEROUS letters to the Following Credit Bureaus. Transunion, XXXX XXXX XXXX, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims!

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 2023-03-04 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: CT

Complaint narrative:
I have sent out NUMEROUS letters to the Following Credit Bureaus. XXXX, XXXX XXXX Equifax, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2023-03-04 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-03-04 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: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
I am furious with the way that XXXX is running its organization and ruining my credit. On XX/XX/XXXX, XXXX dropped my XXXX XXXX from XXXX  to XXXX  due to a paid in full settlement to GM Financial and not only that, they documented that the payment was late. 
How can a payment be late if the settlement was paid in full and the balance will reflect {$0.00} after 30 days? 
On top of that XXXX marked the account as a current repossession when the vehicle was repossessed in XXXX. 
My credit report shows how XXXX increased my score when I was paying this account down, and now that I have fully satisfied the settlement they chose to drop my credit score XXXX points and report the account late after I paid off the settlement amount, which is a disgrace. Every time I turn around XXXX continues to keep taking a way points without accurate reasoning. Every time I call, they never have an explanation on why they keep dropping my score. I see why they keep falling victim to lawsuits, because they keep ruining peoples credit just because they can. 
They have violated the Fair Credit Reporting Act too many times and now I am going to take action against XXXX this time because I have had enough. I have the right to fair and accurate reporting of my credit information. 

People have checked my credit score that I have not given permission to do so and when I call them to see if they have proof of me giving permission for my score to be checked all they say is, you have to call the people who are requesting the report. 

How am I supposed to do that when I don't even know who is checking it. I see it on my report and I report it to XXXX so they can stop lowering my score because of it, but they won't do nothing about it. 

I want XXXX to stop ruining my credit and get proof of accurate information before ruining people 's credit. I want my credit report fixed and the points added back that was taken away. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2023-03-04 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: OH

Complaint narrative:
The following accounts on my credit report are in violation fair credit reporting act. 
Account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: OH

Complaint narrative:
The following accounts on my credit report are in violation fair credit reporting act. 
Account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # 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 2023-03-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I have not received any notification regarding a collection debt through XXXX. I had the debt reported on my credit report but have not received any written notification regarding the debt or an ability to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: SC

Complaint narrative:
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX5 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 the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing this letter to dispute the recent decision made by Elan Financial Services to drop my credit limit from {$16000.00} to {$900.00}. I strongly believe this decision was unfair and unjust, and I am seeking your assistance in resolving this matter. They even blocked my online account access after reaching out to them. 

I started using the card recently and was surprised to find out that my credit limit had been reduced without any prior notice. I was never informed about any missed payment, nor did I receive any statement or phone call from Elan Financial Services regarding this matter. 

When I called to inquire about what had happened, I was informed that they had sent letters to me. However, I never received any of these letters, and as a result, I was unaware of any issue with my account. I was willing to make the payment in full to restore my credit limit, but I was informed that this was not possible, and I would have to request a credit limit increase. I totally didnt receive these statements or notices, so as a responsible Credit user I called to check on what was going on. 

I understand that Elan Financial Services has policies and procedures in place to manage delinquent accounts. However, I believe that the reduction in my credit limit was unjustified, given that I was not aware of any missed payment or overdue balance until I called in to find out where the statements were and the credit limit reduction. Additionally, there were several errors on their end, such as misspelling of my name on the online account, which further complicates this situation. 

I am requesting your assistance in resolving this matter, and I would like to request that Elan Financial Services restore my credit limit to its original amount of {$16000.00}. I believe this is a fair and just resolution. 

Thank you for your time and attention to this matter. Please let me know if there is any additional information required to resolve this dispute.

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 2023-03-04 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: NY

Complaint narrative:
XXXX XXXX sold a debt to XXXX XXXX and send me a letter in the mail stating that XXXX OWNS THE ACCOUNT. I have disputed the accuracy of this account and yet it has always came back as accurate/ verified. FCRA 623 ( a ) ( 2 ) requires that a party who has reported information to the CRA must promptly update that reporting as necessary to maintain its current accuracy. Thus, the XXXX XXXX XXXX was required after their sale of the debt to XXXX XXXX to promptly update the current balance to {$0.00} since no debt is therefore owed to them. Which they have never done no matter how many time this account was disputed. Both XXXX XXXX XXXX XXXX can not report a balance only XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: NY

Complaint narrative:
XXXX XXXX sold a debt to XXXX XXXX and send me a letter in the mail stating that XXXX OWNS THE ACCOUNT. I have disputed the accuracy of this account and yet it has always came back as accurate/ verified. FCRA 623 ( a ) ( 2 ) requires that a party who has reported information to the XXXX  must promptly update that reporting as necessary to maintain its current accuracy. Thus, the XXXX XXXX XXXX was required after their sale of the debt to XXXX XXXX to promptly update the current balance to {$0.00} since no debt is therefore owed to them. Which they have never done no matter how many time this account was disputed. Both XXXX XXXX XXXX XXXX can not report a balance only 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 2023-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I traveled to XXXX XXXX XX/XX/2022 - XX/XX/2022. 
XX/XX/2022 while in XXXX- I received alerts from my bank about several credit inquiries. I did not personally make any inquiries. 
Upon return to America, I called all 3 credit bureaus ( XXXX, XXXX, XXXX ) and froze all accounts. I requested credit reports. 
I discovered 5 accounts that were opened under my name and credit and had outstanding charges. I did not open these accounts. These are not cards that can be used anywhere, They are all store credit cards. The accounts are closed but still on my credit reports. The accounts are all now in default. 

XXXX XXXX # XXXX opened XX/XX/2022 amount charged {$3700.00}. credit limit {$4000.00} XXXX account # XXXX opened XX/XX/2022 amount charged {$3400.00}. credit limit {$6000.00} XXXX XXXX account opened XX/XX/2022 amount charged {$890.00}. credit limit {$1000.00} XXXX XXXX account # XXXX opened XXXX, 2022 amount charged {$1800.00}. credit limit {$2000.00} XXXX XXXX # XXXX opened XXXX, 2022 amount charged {$6300.00} I have also received mail from multiple other companies ( XXXX, XXXX 's XXXX XXXX, XXXXXXXX XXXX ) informing me that I have been declined a credit card. 

I have filed a police report for identity theft. 
I have filed a complaint on identitytheft.gov

Company response to consumer: Closed with non-monetary relief