vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 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: NJ

Complaint narrative:
This is criminal. 

I have an old XXXX XXXX XXXX account ( XXXX ) showing on my credit reports with inconsistent and inaccurate information. I will attach a a picture for reference. You can see on the 3 credit report attachment that the following information is inconsistent across the three credit agencies : 1. Account Status 2. Date Opened 3. No of Months ( Terms ) 4. High Credit 5. Payment Status 6. Last Reported 7. Date Last Active 8. Date of Last Payment The payment history is also inaccurate. Equifax had the account in Charge Off Status for over a year after it was legally settled. I obtained a car loan 13 months ago and my interest rate was affected by this fraudulent information ; meaning I have monetary damages due to this illegal reporting. I disputed multiple times and the information is still there, the only thing Equafax did was change by last few payments to " On Time ''. IF IT WAS A CHARGEOFF HOW CAN IT SUDDENLY BE PAID ON TIME THE LAST 6 PAYMENTS. Please look at the attachment and see how insane this reporting is. I will be seeking legal advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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 XXXX Credit Report 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 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 explanation
Consumer complaint received 2023-02-11 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 Fair Credit Report act XXXX Account # XXXX, has violated my rights. XXXX5 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: FL

Complaint narrative:
On XX/XX/2016 a checking account was fraudulently opened by BANK OF AMERICA

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 2023-02-11 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: GA

Complaint narrative:
TransUnion has yet to respond. 

I do not have a debt or a contract with XXXX XXXX XXXX, and they are reporting inaccurate information on my credit report on TRANSUNION. 
It has been over 30 days without a response. 
This company has been in consistent violation of 15 USC 1692e.

I dont give them permission to report this information and ask for an immediate removal. They have yet to substantiate a proof of method of verification. I spoke with the original creditor in question and they said I don't have a debt with them. 
XXXX XXXX is NOT XXXX XXXX XXXX. 

XXXX XXXX XXXX is not licensed to practice debt collection in the state of Georgia. 
NMLS ID # : XXXX They showed a contract that is not between me and XXXX XXXX XXXX but an entirely different company. 
15 USC 44 I have voice recording from said company that I do not have a debt obligation from an employee named XXXX. 

This is fraudulent and frivolous and should be addressed immediately. 
This company is in violation of 15 U.S. Code 6802 and 6803. I do not give them permission to furnish my personal information or status to non-affiliated entities. I was never given proper notice and have not given written consent to this company. Their mishandling of my information is causing damage and distress to me and my family. 
This account is involved in litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 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 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 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 2023-02-11 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. 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 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 2023-02-11 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: PA

Complaint narrative:
There was a fraud investigation on my card for my Capital One XXXX. They made me responsible for the payments that I did not authorize because they said my card was present for the charges. That does not justify fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
The Collector Failed To Validate Debt Which is a violation under Fair Debt Collection Practices Act ( FDCPA ) Dispute was Submitted on XX/XX/2023 File number XXXX Estimated completion date XX/XX/2023 ITEM IN DISPUTE : CREDIT MANAGEMENT LP DISPUTE REASON : Accuracy There were fraudulent charges made on this account. 
The " Account in Dispute '' remark is missing or incorrect. 
CONTACT INFORMATION CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 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: PA

Complaint narrative:
On XX/XX/2023 The Credit bureaus stated 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, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my writen instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2023-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I'm blocked from my online access and app because I don't have a phone number in my name. The customer service representative changed my address without my permission and they refused to change it back all because I don't have a phone number in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: NY

Complaint narrative:
ive attached document describing what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Missing check : Condo fee {$410.00} check from XXXX by XXXX online XXXX hasnt been shown on XXXX XXXX XXXX XXXX account, Citizens bank. However the fund was drawn from XXXX but fund hasnt transferred to Citizens bank. XXXX claimed issue at XXXX and I claimed issue at Citizens Bank. Both bank avoided responsibility and communication each other than helping XXXX and XXXX. 
Put XXXX ' name and number XXXX XXXX XXXX from XXXX XXXX XXXX advanced services in the complaint so that they know the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I open an account with Capital One on XX/XX/XXXX I paid for account in XXXX and account showing charge off which is a tax write off otherwise known as income also reach the statue of limitations. Which mean that it should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: PA

Complaint narrative:
On XX/XX/2023 The Credit bureaus stated 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, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my writen instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2023-02-11 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I was recently notified by XXXX XXXX XXXX XXXX that an account was added to my credit profile. I did not open the account. I have not applied for or received a credit card from Comenity Capital. I have have not approved any opening of a credit card from this company. All other legitimate creditors have a way to contact them via telephone on my credit report, this company does not. It only has a XXXX XXXX XXXX. I am disputing the validity of this credit card account. XXXX has replied to my dispute with them, as reinvestigated and verified, but how? They never communicated with me about the account. They are not providing me proof that I opened the account. Am I just supposed to accept that this account is my account when I know nothing about this company? I have never received anything telling me that the account is open and that I have a credit card with a certain credit limit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have never had a contract with this company and they put this debit on my credit then took it off after dispute before then added it back again without verifying the debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: GA

Complaint narrative:
I open an account with XXXX XXXX on XX/XX/XXXX I paid for account in XXXX and account showing charge off which is a tax write off otherwise known as income also reach the statue of limitations. Which mean that it should not be on 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 2023-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
Today is XX/XX/23 and I had called Check Into Cash a month or so ago asking if there was any outstanding balances owed. I was told there was no outstanding balance. I was not informed anything of wether or not the debt may have possibly been sent to a 3rd party collections agency or not. If that was the case, why was I not informed if there was still a debt being owed for that account regardless if it was sold? To my understanding, I do not owe any debt to Check Into Cash. That phone conversation can be pulled up and evaluated for accuracy of my claims. On XX/XX/23 XXXX XXXX contacted me via text regarding Check Into Cash loan. It was stated at the end of the text message that " this is an attempt to collect a debt ''. If that is true, I was misinformed by Check Into Cash for falsifying the details of my account with them. Due to this miscommunication, if money is indeed owed then the collections needs to be removed from my credit report immediately upon receiving payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
I discovered the alleged debt while reviewing my credit report. I have received no contact by phone or mail from the identified debtor regarding the alleged debt and believe this was negatively reported in violation of the FDCPA. 
Convergent XXXX began reporting XX/XX/XXXX that an alleged debt of {$110.00} was owed to original creditor XXXX XXXX and has continued to negatively report said alleged debt each month to present. I have not had an account with XXXX XXXX since XXXX when my XXXX XXXX XXXX was discharged in XXXX. I have no knowledge of this alleged debt or when Convergent XXXX acquired alleged debt as no communication was attempted with me at any time by phone or mail and the alleged debt reported may be an attempt to re-age and collect a debt that was discharged in bankruptcy.

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 2023-02-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I need Wells Fargo Bank to Update my Account with the current Balance, correct credit balance to All the credit bureaus XXXX, XXXX, XXXX and the XXXX score as soonest possible.

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 2023-02-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account with XXXX ending in # 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 explanation
Consumer complaint received 2023-02-11 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: DISCOVER BANK
State: CA

Complaint narrative:
I need Discover XXXX to Update my current credit balance to All the credit bureaus XXXX, XXXX, XXXX and the XXXX score as soonest possible

Company response to consumer: Closed with non-monetary relief