vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion LLC, an elaborate mechanism, admitted to allowing seven people to steal my personal information from them. After their investigation, TransUnion LLC deleted seven inquires from my credit report or credit file that was in connection with the seven people whom TranUnion LLC allowed to steal my personal information. TransUnion LLC and the seven people who stole my personal information was able to benefit financially from exploiting my personal information and I did not receive any benefit at ALL. That is not fair and it is Discrimination. TransUnion LLC is criminally and civilly liable required by law to pay me for violating me as a consumer. TransUnion LLC is stalling for more time but It is time for them to pay. CFPB and TransUnion LLC, see EXHIBT A as proof of TransUnion LLC stalling to pay me when they know they are required to. RUN ( PAY ) ME MY REMEDY ( MONEY ) TransUnion LLC!

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 2022-01-20 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TRANSUNION Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}

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 2022-01-20 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Received a letter in the mail requesting a response from collection agency by XX/XX/XXXX. 

Today is the XXXX of XXXX and it hit my credit report on XX/XX/XXXX. To add insult to injury this account its referencing was under the Covid relief program, therefore I only owed {$100.00} of which was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$660.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XX/XX/XXXX {$4000.00}, XXXX XXXX XX/XX/XXXX {$1100.00}, XXXX XXXX XX/XX/XXXX {$2500.00}. XXXX : XXXX XXXX  XX/XX/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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My business and personal accounts with Chase Bank was restricted pending closure on XX/XX/XXXX, my birthday, due to potentially fraudulent behavior. After speaking with Chase in branch in XXXX, Ohio as well as via phone on the Chase XXXX XXXX XXXX, they told me this was due to sending a {$14000.00} ACH payment to one our our XXXX contractors XXXX XXXX XXXX XXXX 

We have been a Chase customer since XXXX, and this has never been an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XXXX XX/XX/XXXX {$660.00}, XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$990.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00}, XXXX XXXX XX/XX/XXXX {$4000.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$940.00}, XXXX XXXX XX/XX/XXXX {$2500.00}.

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 2022-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Blocked my account from making online payments due to a late payment, if I call the number left on voicemail it's just an automated answering service, called the number listed on my account and it is not in service anymore. Called another number and they gave me another number to call, call it and everytime someone answers the call gets disconnected immediately. They are making it impossible for me to pay my car payment after setting up a plan with them to get it caught up, I am caught up now and now there is no way for me to make a payment.

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 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
The Credit Bureau is reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-01-20 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-01-20 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: AZ

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Besides, the inaccurate information and inquiries about my accounts are still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the personal information and inquiries that are still reporting on my account : Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX EXPERIAN XXXX CRED Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX NA XXXX of inquiry XX/XX/XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX, AZ Date Updated : XX/XX/XXXX XXXX XXXX Updated XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/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 2022-01-20 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I HAVE BEEN DISPUTING AND COMPLAINING ABOUT THIS COMPANY ARS ACCOUNT RESOLUTION TO XXXX FOR THE PAST FEW YEARS NOW, THEY HAVE BEEN ILLEGALLY ADDING AND RE-CREATING OLD CHARGES THAT I AM NOT AWARE OF FOR OVER 10 YRS NOW. ARS KEEPS EACH YEAR RE-CREATING THESE SAME OLD CHARGES THAT SHOULD HAVE BEEN REMOVED OFF OF MY CREDIT LONG BEFORE NOW. ARS HAS JUST FLAGGED MY ACCOUNT WITH XXXX THIS YEAR XXXX ADDING A NEW CHARGE OF : XXXX OPENED ON XX/XX/XXXX?? ARS HAS BEEN ADDING CHARGES THAT ARE OLD AND RE-CREATING AS IF NEW TO KEEP MY FILE NEGATIVE AND DELINQUENT THIS SHOULD BE ILLEGAL, AT TIMES OPENING 2 ACCOUNTS IN THE SAME YEAR, ON 2 DIFFERENT OCCASIONS. DATES : XX/XX/XXXX XXXX, XX/XX/XXXX {$2100.00} AND XX/XX/XXXX XXXX ( SAME YEAR ) : XX/XX/XXXX {$1300.00} AND XX/XX/XXXX XXXX ( SAME YEAR ), XX/XX/XXXX {$1400.00}, XX/XX/XXXX {$1800.00}. PLEASE INVESTIGATE ARS OLD CHARGES RE-APPEARING AS NEW

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 2022-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carvana Group, LLC
State: FL

Complaint narrative:
Re : Account # XXXX, Vehicle : XXXX XXXX XXXX I have sent CARVANA, LLC, and XXXX XXXX XXXX XXXX XXXX a Notice of Pre-Arbitration. I have been attempting to rectify a matter with them on this alleged debt since approx XX/XX/XXXX. CARVANA hides behind the false, misleading, and deceptive practices of its consumers, debtors, and holders in due course. XXXX XXXX XXXX XXXX XXXX attempts to collect on an alleged debt in which I have no contract dealings/assignment with. Both companies who are associated with one another have violated in many ways. They have violated State and Federal laws such as the Fair Debt Collection Practices Act, Consumer Credit Protection, Claims to an Instrument, Truth-In-Lending ( regulation Z ), Preservation of Consumers Claims and defenses, Billing error, and many more. Notice of Pre Arbitration has been delivered and signed for at three locations in which they both operate from. 

Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX XXXX AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I mail and e-mail Portfolio Recovery Associates, Ask about the debt. Asking the validation debt, I use a validation letter. With my info of the name of the company trying to collect from. The amount and the date of debt are wrong. Ask a few times for info. I got nothing in return. Even after I sent a letter not to call still been getting calls from them. 

my full name is XXXX XXXX crumbles correct address XXXX XXXX XXXX XXXX XXXX tx XXXX snn XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: AZ

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2022-01-21 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: OH

Complaint narrative:
I have been in constant contact with Experian 's Fraud Department regarding US DEPT OF ED/XXXX account XXXX and US DEPT OF ED/XXXX account XXXX. I have provided all of the information that they have requested in a timely manner including but not limited to : Identity Theft Report FTC Report Drivers License Social Security Card Document Signed Notary Police Report I have also followed up via telephone multiple times. Each time I speak with a representative they advise the accounts are valid with no explanation or proof. I have been met with multiple stall tactics that include : Claims that I am a Third- Party : I have PROVEN through phone calls and documents sent that I am working alone to correct this issue. 
Information not received : I have again PROVEN through tracking confirmations that they have received my documents as requested. 
Verified through XXXXXXXX XXXX and not by a full investigation : According to the FCRA I am entitled to this, which has not happened.

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 2022-01-20 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: CA

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation