vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
This company has done nothing but harass me over a debt with XXXX they believe I owe. I got a new XXXX, had the plan for a month and got the shut off email ( which I still have and will attach- notice the year, its XXXX  ). One month of service with XXXX just wasnt affordable for me and I closed the account. I got countless intimidating letters from attorneys threatening to sue me. Ive been dealing with this company textbook harassing me but now this, its just the straw that broke the camels back. They put actual lies on my credit report, under MY name. All of a sudden the account is open? HOW MANY TIMES DO I HAVE TO CLOSE IT. Not to mention its a completely different year as well. I have disputed this collection on my credit report so many times and I know Im not being treated fairly- nothing is being done. I refuse to sit here and let this bully of a company put literal lies about me. Also shame on XXXX and XXXX, who couldnt investigate this effectively the first time. The bottom line is they turned my service off a month after I got the plan and continued to charge me month after month for service I was not receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Account # 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 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 2022-04-24 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Phone numbers do not belong on my credit report XXXX XXXX XXXX This Name do not belong on my credit report 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 2022-04-24 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: OH

Complaint narrative:
I have Duplicate Accounts on all 3 of my Credit Report. XXXX XXXX XXXX. And XXXX XXXX XXXX XXXX XXXX. XXXX is a Charge off XXXX XXXX XXXX is in Collections. XXXX XXXX. I Disputed and Transunion stated they Verified this Account as Accurate. How??? They didnt Investigate. The FCRA states that I am entitled to a Fair and Accurate Credit Report this is illegal. Beyond Fair

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 2022-04-24 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: NJ

Complaint narrative:
In the month of XXXX in XXXX, I discovered that Experian had published several unauthorized items on my consumer report without permissible purpose. I sent a dispute letter to Experian on XX/XX/XXXX via USPS Certified postage. They NEVER responded to that dispute letter! On XX/XX/XXXX I sent a follow-up dispute letter to Experian via USPS Certified postage. 

On XX/XX/XXXX I received an email correspondence from Experian stating to me that their investigation of the dispute was now complete. They stated that they determined the data furnisher had previously verified the reported information. 

These blatant actions that the Executive Officers of Experian clearly condoned have caused me loss of business relationships, marital instability, XXXX and XXXX  thoughts due to public embarrassment and shame by my family who mistakenly opened and read my mail, ( due to a similar name ) discovering these several unauthorized items on my consumer report published without permissible purpose.

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 2022-04-24 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: MS

Complaint narrative:
I have contacted XXXX formerly XXXX explained this account was settled and closed. This account has {$0.00} balance. This account with XXXX formerly XXXX has been settled and closed, but is still on all 3 of my credit reports. This account was paid fully by the insurance company upon repossession. Therefore this account needs to be removed Immediately! Therefore you are reporting false information on my credit. 
As a citizen I have a RIGHT to have a accurate credit report, but as a CONSUMER congress gives me a right to dispute inaccurate information on my credit profile.

15 USC 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The account in XXXX is a old account that was resolved and still showing up on my report. the report is still payments to it. Account is settled and closed

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 2022-04-24 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I have done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX. I paid the balance due bc I needed my credit fix with XXXX XXXX. I told XXXX XXXX  that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the express store card from comenity bank and the Victoria secret store card from comenity bank. I keep disputing with express from comenity bank and Victoria secret from comenity bank, and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: OH

Complaint narrative:
I have Duplicate Accounts on all 3 of my Credit Report. XXXX XXXX XXXX. And XXXX XXXX XXXX XXXX XXXX. XXXX is a Charge off XXXX XXXX XXXX is in Collections. Debt Buyer. I Disputed and XXXX stated they Verified this Account as Accurate. How??? They didnt Investigate. The FCRA states that I am entitled to a Fair and Accurate Credit Report this is illegal. Beyond Fair

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: OH

Complaint narrative:
I have Duplicate Accounts on all 3 of my Credit Report. XXXX XXXX XXXX. And XXXX XXXX XXXX XXXX XXXX. XXXX is a Charge off XXXX XXXX XXXX is in Collections. Debt Buyer. I Disputed and XXXX stated they Verified this Account as Accurate. How??? They didnt Investigate. The FCRA states that I am entitled to a Fair and Accurate Credit Report this is illegal. Beyond Fair

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 2022-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have filed an dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation results

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 2022-04-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-04-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-04-24 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: LA

Complaint narrative:
I have done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX. I paid the balance due bc I needed my credit fix with XXXX XXXX. I told XXXX XXXX that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the express store card from XXXX XXXX  and the XXXX XXXX XXXX card from XXXX XXXX. I keep disputing with XXXX XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX  and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.

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 2022-04-24 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: LA

Complaint narrative:
I have done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX I paid the balance due bc I needed my credit fix with XXXX XXXX  I told XXXX  XXXX  that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the XXXX XXXX XXXX XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX  from XXXX XXXX. I keep disputing with XXXX XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: LA

Complaint narrative:
I have done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX. I paid the balance due XXXX I needed my credit fix with XXXX XXXX. I told XXXX XXXX that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the XXXX XXXX XXXX from XXXX XXXX and the XXXX XXXX XXXX card from XXXX XXXX. I keep disputing with express from XXXX XXXX and XXXX XXXX from XXXX XXXX, and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.

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 2022-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I filed a dispute with XXXX on behalf of my identity being stolen, a large amount that was deposited into my account then transaction after transaction made upon my behalf that I did not do was aware of nor gave any permisson or acknowledge what so ever of any of this. I filed the dispute on XX/XX/2022. Transactions began & Started on XX/XX/2022. There was a very lot of amounts & transactions, the largest was {$3200.00} which was deposited on XX/XX/2022. Everyday thereafter was a transaction, at different locations for different amounts. I have tried sending any and all documentation i havent received a phone call or an email with any information or action in moving forward to resovle this issue for me. This is a very large amount that i work hard for everyday that someone else has enjoyed and stole. Ive already been scammed on XXXX for {$1500.00} that never gotten resoved or even helped nothing was or has been done. I would be greatly appriciated if i could get some jhelp in getting this XXXX resolved.i look forward to hearing back and getting ths taken care of.

Company response to consumer: Closed with explanation