vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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: VA

Complaint narrative:
Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to exercise my right to pursue litigation in accordance with the FCRA to enforce my rights and seek any and all relief I am entitled to and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligence and noncompliance.

Despite two prior written requests, the unverified items listed below STILL remain on my credit report in violation of Federal Law. You are required, according to the FCRA, to have a copy of the original creditors documentation on file to verify that this information is correct and does belong to me. In the results of your first investigation and the following reinvestigation, you stated in writing, that you VERIFIED that these items are being REPORTED CORRECTLY

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
On XXXX XXXX and XX/XX/2022 there were credit applications made on my behalf. One of them was for American credit ACCE. The other was XXXX XXXX. And the last one was XXXX XXXX. 
This is NOT me. There should be a fraud alert on my account, but somehow they were still able to apply and get a credit check. The hard inquiries are hurting my credit. I need these taken off asap. Im trying to build my credit but someone is applying for credit cards in my name. I need advice on what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
BSI Financial purchased our mortgage in XX/XX/XXXX. We learned about it from our previous mortgage company. I called BSI on XX/XX/XXXX to get information to make our payment, and was told the loan wasn't set up yet and to call back in 5 days. I called in XX/XX/XXXX, and was told they had no information about our mortgage and to call back. I called again on XX/XX/XXXX, and received the same call back request. I called a 4th time on XX/XX/XXXX and got to loan number and information on how to set up an account online. I thought everything was set after that, but we received a notice in XX/XX/XXXX that BSI didn't show we're had homeowners insurance. I called and gave them the policy information, and they indicated they'd pay it. We received a letter from our insurance company in XX/XX/XXXX that our insurance hasn't been paid. I called BSI again on XX/XX/XXXX, and they started they had no record of me calling in XXXX or that we had insurance. I have them the information again, including the insurance company name and phone number as well as the policy number. They said it would be paid the following business day. I just received another letter dated XX/XX/XXXX from BSI stating we don't have homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
This is a second complaint for the same debt added to my credit report XX/XX/XXXX for a debt supposedly from an emergency hospital visit in XX/XX/XXXX reported by XXXX XXXX XXXX XXXX XXXX XXXX It was then reported a second time as two separate debts on my credit report after I disputed it with XXXX and could not verify the debt with the original company XXXX that the debt apparently originated from. After submitting a complaint the company admitted that they needed time to research and verify the debt and that they would mail the information to me. They mailed a bill from a XXXX XXXX XXXX. XXXX in XXXX XXXX rather than the Texas location where the bill should have originated. The XXXX XXXX is permanently closed and the website to make online payments on the bill that XXXX mailed me is inactive. Additionally, the bill describes services as an evaluation during my emergency room visit at XXXX XXXX of XXXX. I set-up a payment plan with medical city and paid the {$850.00} balance early. Why would I have not paid {$100.00} debt if received? I research the XXXX XXXX included on the bill and found no office and only an affiliation with XXXX and XXXX. Furthermore, when searching for any signs of a business website and affiliation to the permanently closed location in XXXX for the XXXX XXXX, NV po box address I only find XXXX complaints similar to mine regarding outstanding debts that can not be verified, being reported to the credit bureaus, and no answer or response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX  and Account # XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account or transaction information without my written instructions 15 U.S.C. 1681a Section 2 ) Exclusions from a credit report - the consumer report does not include - ( A ) ( i ) reporting of information solely as to transactions ( payments ) or experiences between the consumer ( me ) and the person making the report.

15 U.S.C 1681a ( d ) 1 - It also states that a consumer reporting agency can not communicate any information that determines a consumer 's credit worthiness or credit standing when it comes to be used in determining a consumer 's eligibility when applying for credit for personal purposes

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 2022-06-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX and Account # XXXX XXXXXXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account or transaction information without my written instructions 15 U.S.C. 1681a Section 2 ) Exclusions from a credit report - the consumer report does not include - ( A ) ( i ) reporting of information solely as to transactions ( payments ) or experiences between the consumer ( me ) and the person making the report.

15 U.S.C 1681a ( d ) 1 - It also states that a consumer reporting agency can not communicate any information that determines a consumer 's credit worthiness or credit standing when it comes to be used in determining a consumer 's eligibility when applying for credit for personal purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: Entrata Inc.
State: NJ

Complaint narrative:
My identity was stolen and has been involved in an investigation for a couple years where someone is using my name and have applied to rental units, worked under my name and also tried to file taxes under my name. I have filed a complained with the credit bureaus and also FBI. Although this has been filed I am still noticing duplicate inquiries, incorrect addresses and credit being reported under my name. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XX/XX/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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: CA

Complaint narrative:
I sent my FTC REPORT and Credit letter off on XX/XX/2022 to Equifax. I told Equifax to remove 4 fraudulent accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I also told the credit bureaus to " investigate every piece of information '' on the accounts I have listed above. I also attached the letters I sent out and here is the Tracking numbers : XXXX. 

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

They stated my account was verified but how is that possible if they did not do a proper investigation according to the 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. My credit report needs to reflect the deleted the above accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XXXX XXXX and XX/XX/2022 there were credit applications made on my behalf. One of them was for XXXX XXXX XXXX. The other was Capital One. And the last one was XXXX XXXX. 
This is NOT me. There should be a fraud alert on my account, but somehow they were still able to apply and get a credit check. The hard inquiries are hurting my credit. I need these taken off asap. Im trying to build my credit but someone is applying for credit cards in my name. I need advice on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
My identity was stolen and has been involved in an investigation for a couple years where someone is using my name and have applied to rental units, worked under my name and also tried to file taxes under my name. I have filed a complained with the credit bureaus and also FBI. Although this has been filed I am still noticing duplicate inquiries, incorrect addresses and credit being reported under my name. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: CORELOGIC INC
State: NJ

Complaint narrative:
My identity was stolen and has been involved in an investigation for a couple years where someone is using my name and have applied to rental units, worked under my name and also tried to file taxes under my name. I have filed a complained with the credit bureaus and also FBI. Although this has been filed I am still noticing duplicate inquiries, incorrect addresses and credit being reported under my name. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXXXXXX 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 2022-06-13 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: CA

Complaint narrative:
According to the Fair Credit Reporting act XXXX, these accounts have violated my rights. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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 2022-06-13 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-06-13 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: CA

Complaint narrative:
According to the Fair Credit Reporting act XXXX, these accounts have violated my rights. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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 2022-06-13 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: CA

Complaint narrative:
According to the Fair Credit Reporting act XXXX, these accounts have violated my rights. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX* 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: CA

Complaint narrative:
I sent my FTC REPORT and Credit letter off on XX/XX/2022 to TransUnion. I told TransUnion to remove 3 fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX I also told the credit bureaus to " investigate every piece of information '' on the accounts I have listed above. I also attached the letters I sent out and here is the Tracking number : XXXX. 

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

They stated my account was verified but how is that possible if they did not do a proper investigation according to the 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. My credit report needs to reflect the deleted the above accounts

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 2022-06-13 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 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 2022-06-13 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 2 : states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: CA

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

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 2022-06-13 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: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
When i want to the store i purchased the card once i made it home i tried to activate the card which they said the card was already activated in someone else 's name and all my funds was already moved to somewhere else

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal has requested that I provide certain confidential information to them in order for me to close my account, including my social security number. I refuse to do so. I've told them, just close the account. They will not. They have access to my credit card information which is concerning to me. I should be able to close my account. I owe them nothing and they owe me nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable Items information below : XXXX  XXXX XXXX XXXX Opened XXXX. XXXX, XXXX  XXXX {$21000.00}

Company response to consumer: Closed with explanation