vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
According to the FCRA, EXPERIAN is obligated to report accurate accounting, I have advised All the negative information reported is fraud. The companies involved had 4 days according to LAW to remove this information from my consumer report. An FTC fraud report was filed on my behave. I am now requesting EXPERIAN to provide the documentation and prove that the information is indeed accurate. EXPERIAN has 15 days to provide me with the name of the person ( s ) spoken to, documentation used, a signed application, GAAP accounting report, I am not asking for an e-Oscar report. If EXPERIAN does not have documentation to shows that the companies involve follow the SEC rules and credited my accounts, then it must be removed ASAP. The companies involved is liable under the SEC to follow certain rules. I will be filing FORM 211 treasury omb forms to audit my consumer accounts. EXPERIAN is securitizing data and refuses to provide me with a copy of my CONSUMER FILE not my CONSUMER REPORT. 

XXXX XXXX XXXX XXXX- has refused to credit my account with the dividends from the security they hold. 
XXXX XXXX - Was discharge with a negotiable instrument XXXX XXXX - has been discharge with an negotiable instrument Diversified XXXX XXXX  - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX XXXX XXXX - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11. 
XXXX  XXXX - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX XXXXXXXX XXXX  - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11.

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 2023-07-13 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: EQUIFAX, INC.
State: MA

Complaint narrative:
This is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to the 3 credit reporting agency 's asking them to show me how they verified a debt for disputed debts they always responded " verified by lender '', when the creditors themselves dont respond to debt verification the accounts I asked where is the verified debt information they received so I may validate the claims. None of the credit agents have responded. It has been over thirty days

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: PA

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I filed a complaint with Comemity Bank almost a year ago about a defective air conditioner that I purchased from XXXX. I never received any correspondence regarding the dispute and every time I called it the dispute had still not been worked in over 6 months. I spoke to several managers who said that they would escalate my concerns. After I didn't hear back again I don't try the XXXX XXXX XXXX. Comemity never set the charge aside and continued to charge the disputed amount plus interest. XXXX promised to refund my money after numerous complaints but never sent through with it and they gave me a nonworking number for the manufacturer. Comemity never acknowledged my dispute until after my complaint and the letter they sent does not pertain to my dispute about a defective item. XXXX has violated the credit card agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
On XX/XX/2023 Portfolio Recovery call cell phone and didnt leave a message. From this number XXXX. On XX/XX/2023 Portfolio Recovery call again from a different number XX/XX/2023 again no message. They have been calling me for several weeks without leaving no message. On today they called my home phone and left a message about filling a judgment against me. I am a XXXX XXXX XXXX and receiving XXXX  from the SSI. Portfolio Recovery Associates LLC are from the XXXX Co office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc
State: OR

Complaint narrative:
They have called my mother, my aunt, my uncle and my father. Even though none of those people I have any form of relationship with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
Illinois department of human services stating that I owe {$840.00} I havent reside in Illinois for over 37 years This account was put on my credit by Harvard collection agency XX/XX/2023 It state that the account was open on XX/XX/2023 This fraud. I have not open any account with the state of Illinois.and dont owe any money Someone else must have my information receive benefit in Illinois I have not In 37 years, I havent received any letter stating that I owe the government any money. 
I called Harvard collection agency at XXXX XXXX They said that they receive it from the Illinois Department of human services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
Starting in XXXX of XXXX I was Eligible for requesting to remove my private mortgage insurance. They received that documentation and request on XX/XX/XXXX as well as payment for the appraisal to determine value on the home. I have called in 4 times now requesting an update on my application since they had received the payment and request and each time I get notified that the PMI team has been notified and will reach out to me within a week. They have no external number and no one to contact. Each time there has been no response by Caliber home loans. The Company has assured me each time that they will get this resolved immediately, yet it has not been. Due to this I have maid 6 payments starting on XX/XX/XXXX and will have paid an additional {$640.00} in private mortgage insurance. With how unresponsive and dismissive the company has been it feels like these delays are intentional to keep me paying Private mortgage insurance indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I spoke with several different representatives regarding a gap refund from Santander Consumer Usa in XXXX of 2023. It has been a month now and I am still waiting on my refund. Every single time i call this company representative are telling me misinformation. Somehow my refund is a lot less than what they stated my refund would be initially. No one has ever called me back regarding the verdict of my gap refund. When i reached out on XX/XX/2023 the representative from Santander Consumer Usa told me to just keep waiting. I am extremely frustrated with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I believe I may have been victim to the recent Bank of America finding where they created fake accounts as I had a checking account created. When I complained they could not offer any reasoning as to how that may have 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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Re : SECOND DISPUTE REQUEST AND DEMAND FOR IMMEDIATE DELETION I recently received your notice of completion concerning my dispute, wherein I indicated the presence of inaccurate information being reported on my credit profile. This communication serves as my SECOND WRITTEN REQUEST, emphasizing your obligation to immediately remove the inaccuracies and fraudulent accounts identified below. These accounts persist on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681.The FCRA, under 15 U.S.C. 1681i, mandates you to conduct a thorough investigation when I dispute the accuracy of the information you report. Regrettably, your response to my first dispute was unsatisfactory and incomplete. You merely asserted that the disputed items were " reported correctly, '' without providing any documentation or outlining the process of investigation, thereby failing to meet the standards set forth by 1681 ( a ) ( 4 ) .Under Engelhardt v. Gravens , 281 S.W. 715,719, given that I have not supplied proof under the doctrine of estoppel by silence, it is presumed that no proof of the alleged debt, nor the existence of any debt, indeed exists. Thus, I am now requesting the following : 1. The documents you used to verify the accuracy of these accounts.

2. The name of the individual in your organization who verified these accounts, their business address, and telephone number. 

According to Blacks Law Dictionary, the act of " verification '' implies that you must possess authentic, firsthand documents that not only confirm these accounts belong to me but also verify that the reported information is accurate. If required, you should be prepared to defend the authenticity of these documents under oath, under the penalty of perjury, in a court of law. Failure to provide the requested documentation will be interpreted as an inability to verify these accounts. In such a case, under Section 611 ( 5 ) ( A ) of the FCRA, you are legally obliged to promptly DELETE all information that can not be verified. If these inaccuracies are not rectified and the disputed items deleted promptly from my credit report, I will interpret this as a negligent noncompliance of federal laws, which carries civil liability under Section 617 of the FCRA. As a consumer prepared to enforce my rights legally, I will consider taking necessary legal action to uphold my rights under the FCRA. The disputed accounts are as listed on my credit profile with your agency Account Name XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number Account Number XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX Thank you for your immediate attention to this matter. I anticipate your prompt response and a resolution to these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX '' and an XXXX agent '' which involve me making deposits for a total amount of XXXX XXXX, XXXX usd from wells forgo account to fraudulent investment firm ( 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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im writing to you because the 3 major credit reporting agency are reporting inaccuracies information on my credit report Experian, XXXX and XXXX. This account was deleted from my credit profile and was reinserted, Section 611, states I was to be notified in 5 business days of this account being reinserted back onto my credit profile and also according to the FRCA all 3 credit reporting agencies must have the same information. 

I also opening up a new dispute on XX/XX/2023 and got a response back in 3 days that the item was verified as mines. It take an investigation 30 days. So I'm assuming they never investigated the account. I stated in my dispute please provide all statements showing the exact past due any miss payments and the exact date this account became negative. 

I tired to filed another dispute with XXXX and XXXX received a documents saying I can't opening another dispute according to the FCRA as a consumer you can dispute any reporting inaccurate information reporting on your credit profile. Below is the account in question. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation