vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 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: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I tried to close my account because this company added an maintenance fee without notice. I canceled the account and I was waiting for the statements to reflect the accurate balance which was not updated until XX/XX/XXXX and my billing statement isnt due until the XXXX so i dont understand why was I charged XXXX on an closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: FL

Complaint narrative:
Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-27 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: FL

Complaint narrative:
Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX Date Opened : XX/XX/ Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/ Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have consistently sent letters to XXXX about credit card acts that are on my credit profile that I wont deleted. They have not deleted them, and refuse to even respond to my request Ive called and been hung up on and they only allow you to dispute one thing at a time. If you see 3 errors once you dispute 1 there system kicks you out so I mail everything to them. 
There reporting is ridiculously they toy with scores and it makes no sense what so ever. I have a 99 % payment history, but yet every month I have 60-80 points removed and then I complain and they put same points back and then repeat the same loss of points each month destroying ones credit score ( State of Arizona Statute limitation for credit card debt is 3years, auto loans is 4 years, medical and mortgage is 6 years. Unpaid state taxes is 10 years Accounts : all open ended accounts such as credit cards below I requested that they be deleted, they are all 5+ years old and others are 10+ years old. They are settled {$00.00} balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries not removed that were fraudulent, I personally contacted the company XXXX that as a result several other companies under them has inquiries on my report as well. I told transunion that at the same time they said my acct was hacked three times within a two month period and I wanted them removed. I sent 6 apology letters from XXXX which took accountability for any inquiries they took place as a result of them shopping for rates for something I never requested on XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Equifax XXXX XXXX never okay or authorized them to do anything for me, in fact I have a opt out on file not to share and I dont do red parties XXXX XXXX-someone consistently tries to open accounts and Ive spoken to XXXX XXXX. I already have a XXXX XXXXXXXX but more and more inquiries keep appearing. Fraud XXXX XXXX XX/XX/XXXX, XX/XX/XXXX on report twice XX/XX/XXXX, XX/XX/XXXX on report, XX/XX/XXXX and I have a freeze, but XXXX allowed a inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Former complaint and it still isn't resolved with XXXX and Chase. Please see attached documents to add to my complaint. Chase is marking up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I schedule a online banking payment with my bank Capital one. Payment due date was XX/XX/ for the amount of {$510.00}. I was contacted by the other financial institute XXXX XXXX about payment not being receive. I then contacted capital one which told me a check sent and it should be receive by Monday XX/XX/23. Not only was the payment late but the check still was not receive XXXX  resulting in affecting my credit. I was ensured that the check could been canceled and I have access to the funds to pay the bill XXXX. Which was not so. Now here recently I received a different email from capital one stating the funds from a separate billings account was return into my checking account for {$78.00} on XX/XX/. The other institute said to call my back and Capital one said they dint see nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I submitted my documents ( application and Hours ) for XXXX XXXX XXXX XXXX in XXXX within the time that was allowed for the waiver to include aditional advantages due to covid. 

My information was received by XXXX XXXX and I received a letter on XX/XX/XXXX stating They needed to to confirm information on my application. I called them back and they stated they need to clarify the XXXX numbers of my employers. I gave them the XXXX numbers again and I was told that I would receive notification within the next 2 weeks. I never received any communication from them after that. 

I followed up a few months later and was told by XXXX XXXX that they were in the process of transferring to Mohela and that they could not locate my account. I was told to wait 90 days since I submitted a new application and that my account had been transferred to Mohela. They gave me the number to mohela to follow up with them. I contacted mohela several months after to confirm my application. The stated that they could not locate my account and to call back in about a month as it was likely in the process of being transferred. 

Now it is XX/XX/XXXX, almost a year later. I have spoken with Mohela and my account information submitted to XXXX XXXX is no nowhere on file. They tried several ways to locate it but still have no record of my application I am now being directed to fill out another application and am being told that the deadline for the limited waiver has passed. Somehow my application was lost in the transfer process and Mohela is telling me that there is nothing they can do, regardless of the documents I have from XXXX XXXX stating that they received my information. 
I was told that I was being transferred to a manager to discuss further and after an hour and a half on hold, a customer advocate answered. She told me the same information and directed me to reapply. she also told me that since the deadline was past, I would likely not be granted the waiver.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX I contacted Experian due to a fraudulent account that was opened and placed on my credit report. I spoke to two different representatives in regards to the XXXX credit card account. This account was opened under my name and social security number on XX/XX/XXXX. 

I reported this account as not belonging to me and was informed that they will start an investigation. As of to this date of the complaint, I have never received a response from Experian. 

Next, their is an account, XXXX XXXX XXXX that is reporting a late payment in XX/XX/XXXX. This was a " Self '' account that I placed and I know of a surety that I was never late. Where did Experian receive this information and then allowed it to be placed on my credit file? 

This was a secured loan, with my own monies, so therefore, how could I be late, and I requested the loan to not be renewed. This late payment should be removed immediately.

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 2023-04-27 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: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-27 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: FL

Complaint narrative:
Im not sure when the account was opened but I discovered the account last year in XXXX. XXXX XXXX has a fraudulent account with my information that theyve already closed and wont remove from my credit report. Theyve already identified a different number thats reached out to them years ago but still wont do anything to resolve the issue.

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 2023-04-27 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:
Im not sure when the account was opened but I discovered the account last year in XXXX. XXXX XXXX has a fraudulent account with my information that theyve already closed and wont remove from my credit report. Theyve already identified a different number thats reached out to them years ago but still wont do anything to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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:
A letter was sent to XXXX Account number ( XXXX ) for identity theft. 
After receiving my letter they responded with a letter I will upload. Where my alleged account was sold to XXXX XXXX this company is not showing on my consumer report. Therefore, since XXXX can not verify my account I demand this account be deleted immediately. Everything on my credit should be 100 % accurate. 
15 U.SC 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 resonable cause to believe that the information is inaccurate. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4

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 2023-04-27 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: AZ

Complaint narrative:
A letter was sent to XXXX Account number ( XXXX ) for identity theft. 
After receiving my letter they responded with a letter I will upload. Where my alleged account was sold to XXXX XXXX this company is not showing on my consumer report. Therefore, since XXXX can not verify my account I demand this account be deleted immediately. Everything on my credit should be 100 % accurate. 
15 U.SC 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 resonable cause to believe that the information is inaccurate.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland XXXX put a hold on my personal daily checking account for XXXX when it only had about XXXX. This amount doesn't go thru my account in 2 or 3 mo. This debt must be at least XXXX old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: WI

Complaint narrative:
Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit, which makes no sense. I told them that after being informed that this is fraud, they are supposed to help me according to all the FCRPA and other consumer laws. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports. My bank accounts have been hacked and someone is getting credit cards in my name, and I need help removing these fraudulent inquiries as I continue to try to protect my credit.

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 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: FL

Complaint narrative:
Former complaint and it still isn't resolved with XXXX and XXXX. Please see attached documents to add to my complaint. XXXX is marking up my credit.

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