vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 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: V and H Portfolio
State: KS

Complaint narrative:
I saw a Collection on my credit report from Vance and Huffman , LLC. Original bill come from XXXX XXXX XXXX. Bill is {$740.00}. I do not recognize the bill. I have detested it on my credit report. I do remember though several years ago I bought a ring at XXXX. I believe XXXX was the name of a leasing company buying the ring. I returned the ring right after I bought it. XXXX kept calling me constantly to pay them. I told them the ring was returned. This was several years ago. Probably about 7 years ago and just now on my credit report. Since I did not use their services and returned the ring and it have been so long ago I need this collection off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account NumberXXXX Account Name : DEPTEDNELNET Account NumberXXXX  Account Name : DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX  Account Name : DEPTEDNELNET Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account Number:XXXXXXXX Account Name : US DEPT ED Account XXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name XXXX DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-03-08 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : US DEPT ED Account Number:XXXX  Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : DEPTEDXXXX Account Number:XXXX Account Name : DEPTEDXXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-03-08 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: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that have been reported inaccurately and have caused significant emotional distress. The following accounts are in dispute : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX Collection Account XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXXXXXX XXXX XXXX XXXX Collection Account XXXX  XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX Collection Account XXXX XXXX Charge Off account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Collection AccounXXXX XXXX XXXXXXXX Collection Account I am requesting that you investigate these accounts and remove any inaccurate information that has been reported. The following laws have been violated with these accounts : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) The Fair and Accurate Credit Transactions Act ( FACTACT ) The Truth in Lending Act ( TILA ) The Real Estate Settlement Procedures Act ( RESPA ) The Equal Credit Opportunity Act ( ECOA ) The Fair Credit Billing Act ( FCBA ) I am also experiencing emotional distress as a result of these inaccuracies. It is causing me a great deal of stress and anxiety, and I feel as though my reputation and financial well-being are at risk. I am requesting that you take swift action to rectify these inaccuracies and restore my credit report to its proper state. 

Thank you for your prompt attention to this matter. 

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 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: NC

Complaint narrative:
I received a hit on my credit for a phone bill with XXXX XXXX . I have not been with that company for 10 years. I contacted XXXX and they find no record of me. They had me go in store could find no record of me. XXXX has filed a dispute with Frontline Assetts. I called Frontline Assetts directly. She was very nice and said this came up only a few years ago ; verifying it is not mine. The problem is Frontline Assetts wants me to pay {$170.00} to try to solved the dispute. That makes no sense for one and second again that this is not my debt. This was after Frontline Assetts making me give them my CC to pay a XXXX $ feom some company to verify my information, which, of course, made no sense. And, now, I have to cancel with that company before I get charged XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion along with XXXX, XXXX, XXXX, and XXXX all have been notified stating to please remove all other addresses off my report, as they are not deliverbale to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

15 U.S.C section 1681s-2 ( a ) Duty of furnishing of information to provide accurate information.

( 1 ) PROHIBITION ( a ) Reporting information with actual knowledge of errors A person shall not furnish information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person has been notified by consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and info is in fact 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 2023-03-08 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: AZ

Complaint narrative:
Transunion has FAILED to conduct a proper investigative report. 
Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as 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. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I asked for a copy of the investigation they claim they have conducted three times. They claim the information is accurate when in fact it is a fraudulent account. I have no account with XXXX XXXX XXXX. They have opened up an account in my name. I have disputed the information and requested a verification of debt in accordance to 15 USC 1692 GXXXX Debt collector Failed to produce a statement giving the consumer 30 days to dispute the validity of the debt. 

In all XXXX XXXX XXXX  is attemptting to collect an alleged debt out of compliance with the fair credit reporting act. they have not suppiled a statement, verification of a debt owed or a notice to dispute within 30days.

Transunion is falsely reporting inaccurate information and lying about having done a proper investigation. I have requested the details of the investigation on XX/XX/2023 and the customer service rep hung up on me when i escalated the situation to the manager.

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 2023-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: KS

Complaint narrative:
I purchased a new Kia XXXX on XX/XX/2022 and I gave them permission to pull my credit once. Not multiple times for multiple lenders. It was one event to finance through Kia Motors. They have since told me there is nothing they can do about all the HARD pulls. 
There are 5 Hard Inquiries on my credit with the same date. XX/XX/2022 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 2023-03-08 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
15 USC 1681 Section 602 States I Have A Right To Privacy. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section2 : It Also States a consumer reporting age 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-03-08 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX Account Name XXXX US DEPT ED Account Number:5186**** Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name XXXX DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I lost my wallet while walking home from a store near my home. I discovered the loss that evening when Chase texted or emailed me about suspicious charges. I called Chase explained the theft and advised that my last purchase with the case was at approx XXXX that day at a merchant the name of which I provided. I advised that I had not had the card or used it, since then. Chase undertook to withdraw the suspect charges pending an investigation. On XX/XX/XXXX I received a letter from Chase dated XX/XX/XXXX advising that I was responsible for four of the fraudulent charges totaling {$890.00}. It indicated that I had " received benefit from '' three of the transactions, and had " notified them '' that a fourth charge " is valid ''. 
I contacted chase on XX/XX/XXXX by phone and spoke first with XXXX and then with a XXXX XXXX. XXXX indicated that three of the charges were in person and this was the basis on which they were adjudicated to be valid. She indicated that I had failed to report one of the charges- {$390.00} - as fraudulent. XXXX indicated that Chase would reopen the investigation. I asked for confirmation in writing as prior verbal discussions had evidently been misunderstood and the only written document I have from Chase indicates the charges are valid. Both XXXX and XXXX declined to provide confirmation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-03-08 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: Nelnet, Inc.
State: GA

Complaint narrative:
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 an account without my written instructions.

15 USC 1688B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: IL

Complaint narrative:
XXXX along with XXXX, Equifax, XXXX, and XXXX all have been notified stating to please remove all other addresses off my report, as they are not deliverbale to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

15 U.S.C section 1681s-2 ( a ) Duty of furnishing of information to provide accurate information.

( 1 ) PROHIBITION ( a ) Reporting information with actual knowledge of errors A person shall not furnish information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person has been notified by consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and info is in fact inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX along with Experian, XXXX, XXXX, and XXXX all have been notified stating to please remove all other addresses off my report, as they are not deliverbale to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

15 U.S.C section 1681s-2 ( a ) Duty of furnishing of information to provide accurate information.

( 1 ) PROHIBITION ( a ) Reporting information with actual knowledge of errors A person shall not furnish information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person has been notified by consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and info is in fact 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