vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. 
I was informed on XX/XX/2022, that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 I have requested that Experian conduct an investigation on two tradelines XXXX and XXXX that are fraudulent in nature and reporting on my credit report and XXXX as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX I also requested on that same letter that my XXXX XXXX accounts be updated as current as well as the XXXX XXXX account be updated as current because these accounts where never late. I also tried to file a claim with XXXX XXXX XXXX XXXX  that I pay for and that they are not assisting me in receiving the claim. They have violated the law in not updating my reporting and I am asking that they notified of their violation as I have reached out several times with no results and have not since requesting the investigation on XX/XX/2022 received any updates as of XXXX so I submitted a demand to comply on XXXX and I have included the letter in with my complaint. Thank you for helping me to regain accuracy in my credit reporting.

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 2022-04-18 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have not applied for any cards or loans and I was told my ssn was leaked to the dark web.

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 2022-04-18 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 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 an account without my written instructions

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 2022-04-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions

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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

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, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights 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 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 2022-04-18 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 XXXX Account XXXX XXXX XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There were multiple fraudulent inquiries on XXXX, XXXX, And Transunion. The reporting agencies insisted I contact each and every creditor which I did, only for all the creditors to tell me I need to contact the CREDIT BUREAUS. So now I call the credit bureaus and they advise me to file an FTC report which I did. Sent the FTC report to each reporting agencies CERTIFIED MAIL along side with the dispute letter, ID, SSC, AND BILL as the requested and they all received my correspondence. XXXX and XXXX removed the fraud inquiries but TRANSUNION is ignoring my request all around!

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 2022-04-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a call from a XXXX XXXX. The Person Identified as XXXX XXXX advised she would be visiting my home and workplace in an attempt to serve legal documents the next day. XXXX. Call received XXXX She advised that for questions or concerns I should contact XXXX, but did not identify the name of the company this number belong to. 

I contacted the number ( XXXX XXXX  ), and was advised that I owed a debt, do to a closed checking account with a negative balance. I have not had a wells Fargo checking account since XXXX. I am XXXX XXXX XXXX. 

This is the first time, I have been contacted about this debt, and a XXXX XXXX Credit Report shows me in Good Standing with a current wells Fargo XXXX account that was opened recently to replace my Carpet. 

I was advised that I could either pay the debt owned today XXXX or if I waited for the process server, and I would be responsible to additional legal fees, brining the total to XXXX. 

I asked the person identified as XXXX XXXX if there could be some sort of verification provided, such a a debt validation letter. I asked for the website and address so that I could send the letter, but was advised they don't give out their address, and they don't have a website. 

I was advised that XXXX would not be providing any sort of debt validation as apparently other debt collection agencies had tried to contact me about the debt, and therefore I was not entitled to verification. They stated an old address from at least 15 years ago. 

I contacted Wells Fargo bank and spoke to numerous departments, none of which could confirm the information being provided by XXXX. The last person I spoke with at Wells Fargo advised me that they believed this was a scam and should be reported. I recorded this call and so did wells Fargo. Call occurred XXXX from my cell XXXX around XXXX XXXX  XXXX. 

According to my own research, if this debt is true, it would be beyond the XXXX XXXX XXXX Statue of Limitations on companies filing civil suits based on debt. " Time-barred debt '' This regulation was added on XXXX XX/XX/2019 to the the FDCPA. 

On the call it was advised that the debt was owned by XXXX XXXX XXXX. I can not find a website, address or any other information for this company. 

If the original finical provider is able to confirm this debt, I would do the right thing and pay it, but Wells Fargo has no information on this debt, and based on what I have written here, they believe its a scam.

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 2022-04-18 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: NC

Complaint narrative:
inaccurate information is being reported on my credit report with XXXX XXXX Transunion on the below accounts. i submitted a written dispute on XX/XX/XXXX via usps mail and have yet to get a response of any kind, they continue to report inaccurate information that is effecting me from obtaining credit. the accounts are below. 

XXXX XXXX - acct # reporting on Transunion shows XXXX - Acct # reporting on XXXX XXXX both inaccurate and do not match. 2nd reporting issue is they are still reporting ( payment history ) and this account has been closed since XX/XX/XXXX. XXXX XXXX Transunion continue to report inaccurate which is against FCRA consumer law. 

XXXX - acct # XXXX submitted first dispute on XX/XX/XXXX no response, this account is reporting payment history inaccurate as well, back in XXXX XXXX XXXX i paid ontime and XXXX reported that but XXXX reported " CO '' how can i be on time and late at the same time? they both reported this way from XXXX XXXX XXXX all the way to XXXX XXXX XXXX. 

XXXX XXXX - acct # XXXX - submitted first dispute XX/XX/XXXX the " Account Status '' is being reported wrong/inaccurate by XXXX &  Transunion , this account was PAID IN FULL XX/XX/XXXX and all XXXX comments state that it was paid but XXXX & Transunion reporting account status " Derogatory status '' which is totally illegal and inaccurate. they are in violation of FCRA this must be updated or account deleted at once. i havent gotten any response from either credit agency.XXXX is the only one that reported accurately with " paid '' in account status. this is effecting me from obtaining new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only XXXX and Experian. This has caused undue stress in trying to remove this inaccurate information. This information appears from XXXX and keeps reappearing as a collection with a past due amount. 

In accordance with the fair credit reporting  XXXX XXXX XXXX account # XXXX and account # XXXX has violated my rights, which state that negative and outdated information can not reappear after it is found to be fraudulent and not validated.

15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

I demand that these accounts be removed from my credit reporting 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 2022-04-18 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 XXXX  Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Trying to have my credit checked for a home loan with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I was informed that suddenly, my US Dept. Loans or XXXX Student and direct-plus loans are in default on week of XX/XX/2022 ; despite, just submitting a copy of these loans from my credit report with XXXX that loans are paid in full. Now, Equifax Credit Bureau is instructing me to fax them my ID to file a dsipute, but, it seems the calls to agents are being intercepted and frauded. This is delaying my 1st time home buyer 's application for a chance to get a duplex, ( which includes, rental income... ). Please, do not allow fraud to delay and hinder my loan application. I need to make sure the agents are legitamate. 
I even sent a copy to a judge : ( XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), ), with the federal CT to validate the loans show paid-in-full!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Received a bill for ambulatory service ( {$3400.00} ) and disputed the bill, have not heard anything since the written dispute and just received an email from XXXX that I have a collection showing on my credit. They should be required to notify us the status of the dispute so that we have a chance to pay the debt before going to collections. The ambulance service on XX/XX/2021 was for a minor child that was not needed and when we declined we were told we did not have the option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only TransUnion and XXXX. This has caused undue stress in trying to remove this inaccurate information. This information appears from XXXX and keeps reappearing as a collection with a past due amount. 

In accordance with the fair credit reporting XXXX XXXX XXXX account # XXXX and account # XXXX has violated my rights, which state that negative and outdated information can not reappear after it is found to be fraudulent and not validated. 

15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

I demand that these accounts be removed from my credit reporting 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 non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
They are unable to follow instructions. My husband got an unknown number call from them ( he is not even listed on this account ). They called late on Friday and gave a number that they do not answer. 
They need to call the number listed on the complaint with a listed number ( so it will get answered ) and if needed leave a number that will get answered when I call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: FL

Complaint narrative:
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), Experian Information Solutions , Inc, provide I, XXXX XXXX, consumer, with such documentation where I gave you written instructions and permission to furnish my information? Thank you. Best regards.

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 2022-04-18 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 XXXX Account # 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 an account without my written instructions

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 2022-04-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions

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 2022-04-18 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-18 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX as well as 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

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