vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 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: VA

Complaint narrative:
I had been trying to get this account removed from my Transunion report and they will not remove it. It has been reported as fraud. I have sent the FTC report along with a police report, but they refuse to remove it. It is from XXXX XXXX XX/XX/2018 for {$3000.00}. I don't know what else to do except get a lawyer!!

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 2023-05-14 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX credit bureau has me as deceased. I am alive and well. All of my accounts are listed as closed and ConsumeXXXX deceased. I am not deceased. I have proof. I am alive I am writing this complaint on my computer. Can you please have XXXX reinstate my account as open and being paid. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: V and H Portfolio
State: AL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello i checked my credit report for first time in while and i lots unauthorized, fraudulent, unrecognized hard inquries on my TransUnion credit profile. i demand these be investigated and removed off of my credit profile because i have never gave any consent to those creditors and i have tried to reach out to each company directly and i have not gotten any response in the past 90 days. below i will list each hard inquiry that i would like to be investigated and removed off of my credit report that TransUnion made an error and stated on there which has severely affected my score .please and thank you XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNCOAST CREDIT UNION
State: AL

Complaint narrative:
Someone used my name and address to open an account at Suncrest Credit Union. They then overdrew the account by {$100.00}. I contacted Suncoast and they said they would send me a financial fraud reporting email. Instead they turned it over to a collection agency named XXXX who is now attempting to collect the false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
This complaint is in regards to XXXX credit Report # XXXX Dated XX/XX/XXXX. First Interstate Bank Account # XXXX. I have contacted the creditor and the consumer reporting companies through multiple dispute letters. The creditor and consumer credit reporting companies blame each other for not be able to correct errors in my Credit report. I have, sent in dispute letters, many times, I have contacted XXXX, XXXX, XXXX, and XXXX, and First interstate Bank has verified the information on each of the credit reports. I will attach a copy of a document from XXXX showing the account and a copy of the loan history from First Interstate Bank. 
The reporting document from XXXX shows that account number XXXX First Interstate Bank was discharged through bankruptcy XX/XX/XXXX, This First Interstate account was for {$24000.00}. This account was REAFFIMED and paid in full ( XXXX  Error ) INACCURATE. The Payment History on the XXXX credit report stops XX/XX/XXXX WRONG. Please look at the loan history ( second attachment ) you will see that the loan was paid through XX/XX/XXXX ( XXXX Error ) the payment history date ( XXXX ) are INCORRECT. While this loan covers XXXX  years the " Terms '' on the XXXX report shows NOT REPORTED ( XXXX Error ) INCOMPLETE. The " High balance '' is NOT REPORTED ( XXXX Error ) MISSING DATA the " Recent balance '' are NOT REPORTED ( XXXX Error ) MISSING DATA and The " Monthly Payment '' is NOT REPORTED ( XXXX Error ) MISSING DATA. These errors from First Interstate Bank are also in XXXX, XXXX, XXXX, and XXXX. By Law FCRA Section 609 and 611 require that consumer credit reports are to be accurate and complete if information is not accurate then the account is to be delete. By examining the attached First Interstate Bank statement you can see that the information on the XXXX report is very INCORRECT, Important Data has been left out. This credit report is not accurate and is incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Saturday XX/XX/XXXX & Sunday XX/XX/XXXX, I attempted to log into the Experian credit reporting website. I changed my password so many times that now they are asking that I call them and give out sensitive information over the telephone. I tried to create new accounts with various emails ( XXXX, XXXX, XXXX, and XXXX ) and each time, I was told that an account already exists and that the username is XXXX. However, each time I tried to access my report or view my scores, I had to change my password, and right after I changed my password, and attempted to log in with the new password, I was LOCKED out and told that my brand new password was invalid. 

On Friday XX/XX/XXXX, I did have success and logged in to see my credit scores and found out that Experian had hit my scores with soft inquiries and lower my scores by XXXX points in 1 month. Soft hits do not impact the credit scores however, Experian did that! In XXXX my Experian score was XXXX on Friday, XX/XX/XXXX my Experian score was XXXX. 

I tried to dispute the address in my Experian file as reported that I have lived here since XXXX and I moved here in XX/XX/XXXX! 

The Experian credit reporting bureau is suffering some system wide hacking attacks and I am being victimized at this time!!

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 2023-05-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: TX

Complaint narrative:
On XX/XX/2023, Celink, a mortgage servicer, filed documents with the county to foreclose on my home. Then, they proceeded to file a notice of substitute trustee to have my home sold on the court house steps on XX/XX/2023. 

Celink has no association with any lender that holds a mortgage on my address and is filing bogus documentation as if they were hired by a real mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The following issues are still issues pending from complaint XXXX I received a delinquent mark on my credit report. The payment history and letter attached indicate " Pays as Agreed '' with zero payments paid over 30 days past due. Also, the record provided shows no late payments. Please have them correct the delinquent report. 





The following was indicated on my credit report : Account Number : XXXX Creditor 's Name XXXX XXXX XXXX  Type Of Industry : Auto Financing Address : XXXX XXXX XXXX, XXXX XXXX MN  XXXX City : XXXX XXXX : XXXX XXXX XXXX MN Amount Delinquent : XXXX Payment Status : Late 90 Days Also, Clause 12, Official Fee and Taxes, only indicates that Lesse is responsible for making all payments on the lease, including any government levies, which I did. Although I made all such payments to NJ as the " government. '' The insurance sales tax entitled to me from the insurance settlement is not to be paid to XXXX the Lessor. I am entitled to the XXXX tax payment indicated on the Letter of Guarantyship.

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 2023-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: Credit Karma, LLC
State: TN

Complaint narrative:
Credit Karma shows on my phone app that on XXXX credit bureau I am deceased and all of my accounts are closed and Consumer is deceased. Please have credit karma reinstate all my XXXX accounts are open and being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
Apply on for load got approved for {$950.00} my payment every two weeks almost {$300.00} when I called to get more information how much I owe because I didn't get copy or good explanation how much my rate was I called spoke to someone who did not explain anything just to tell my that I will be paying {$300.00} for year my total will be {$7000.00} when I only got approved for {$950.00} my finally got copy Emailed I was really upset really high annual percentage 764.74 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: FL

Complaint narrative:
On XXXX of 2023 I noticed on my credit report that there are inaccurate information reported such as credit card accounts opened in my name without my permission

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 2023-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I have on my credit report that I owe a balance of over XXXX to XXXX XXXX XXXX to an apartment complex that I never lived in, I have never lived in XXXX XXXX XXXX so this debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Today, XXXX XXXX reports that Equifax listed all my accounts closed with the remarks on the opened account as Consumer Deceased. I am very much alive, and Equifax is knowingly reporting to companies false information about my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief
Consumer complaint received 2023-05-14 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: CA

Complaint narrative:
Friday XX/XX/XXXX, I accessed my Experian credit report to discover an error in reporting my address- this error is impacting my apartment search in a derogatory way. 

I moved to this address in XX/XX/XXXX, lived here previously from XXXX to XXXX and lived somewhere else before XXXX. 

Experian is reporting this address ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ) since XXXX and not XXXX! 

I can not file a dispute against Experian because they have LOCKED me out of my credit file.

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 2023-05-14 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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: AL

Complaint narrative:
Someone used my name and address to open an account at XXXX XXXX XXXX. They then overdrew the account by {$100.00}. I contacted XXXX and they said they would send me a financial fraud reporting email. Instead they turned it over to a collection agency named ConServe who is now attempting to collect the false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: MT

Complaint narrative:
This complaint is in regards to Experian credit Report # XXXX Dated XX/XX/XXXX. XXXX XXXXXXXX XXXX Account # XXXX. I have contacted the credit reporting companies through multiple dispute letters. I have contacted the creditor and each have blamed each other for not be able to correct errors in my Credit report. I have, by dispute letter, many times, contacted XXXX, Experian, XXXX, and XXXX, XXXX XXXXXXXX XXXX has verified the information on each of the credit reports. I will attach a copy of a document from Experian showing the account and a copy of the loan history from XXXX XXXXXXXX XXXX. The reporting document from Experian shows that account number XXXX XXXX XXXX XXXX was discharged through bankruptcy XX/XX/XXXX, This XXXX XXXX account was for {$24000.00}. This account was REAFFIMED and paid in full ( 1st Error ) INACCURATE. The Payment History on the Experian credit report stops XX/XX/XXXX WRONG. Please look at the loan history ( second attachment ) you will see that the loan was paid through XX/XX/XXXX ( 2nd Error ) Credit report dares are INCORRECT. While this loan covers 7 years the " Terms '' on the Experian report shows NOT REPORT ( 3rd Error ) INCOMPLETE. The " High balance '' is NOT REPORTED ( 4th Error ) MISSING DATA the " Recent balance '' are NOT REPORTED ( 5th Error ) MISSING DATA and The " Monthly Payment '' is NOT REPORTED ( 6th Error ) MISSING DATA. These errors from XXXX XXXXXXXX XXXX are also in XXXX, Experian, XXXX, and XXXX. By Law FCRA Section 609 and 611 require that consumer credit reports are to be accurate and complete if information is not accurate then the account is to be delete. By examining the attached XXXX XXXX Bank statement you can see that the information on the Experian report is very INCORRECT, XXXX XXXX has been left out. This credit report is not accurate and is incomplete.

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 2023-05-14 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: CO

Complaint narrative:
For the last XXXX years all credit bureaus has listed XXXX XXXX XXXX on my credit report as me being the owner of a bill of XXXX XXXX I have sent the numerous debt letters, asking them to prove that debt belongs to me they have failed to do so or declined and not done so they continue to leave it on my credit. Ive let them know Ive been a victim of identity theft, as well as XXXX and Equifax stating on my reports that they found my information on the dark web. Ive also show them that Ive had XXXX bridges from XXXX and Equifax and XXXX from XXXX and they still continue to keep this on my credit I want it removed.

Company response to consumer: Closed with explanation