vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of my credit report, which includes several negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I have listed the accounts in question below along with their account numbers : XXXX XXXX XXXX Account Number XXXXXXXX XXXX  : Account Number XXXXXXXX XXXX XXXX  : Account Number XXXX XXXX XXXX XXXX  : Account Number XXXXXXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX. : Account Number XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX I request that you investigate these items and remove any inaccurate or outdated information from my credit report in accordance with the FCRA. Specifically, I dispute the payment status, balance, comments, payment history, and account numbers associated with these accounts, as I believe they may be incorrect.

Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to conduct a reasonable investigation into the accuracy of the information contained in my credit report. Therefore, I request that you verify the payment status, balance, comments, payment history, and account number associated with each of these accounts. If any of this information is found to be inaccurate, incomplete, or unverifiable, I request that you promptly delete or correct the information.

In addition, under Section 611 ( a ) ( 2 ) ( A ) of the FCRA, you are required to notify me of the results of your investigation within 30 days of receiving my dispute. Please send me a written response outlining the results of your investigation and any actions you have taken to correct or delete the inaccurate information from my credit report. 

I understand that the accuracy of my credit report is important for my financial health, and I urge you to comply with the requirements of the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of my credit report, which includes several negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I have listed the accounts in question below along with their account numbers : XXXX XXXX : Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  : Account Number XXXX XXXX XXXX XXXX  : Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX  : Account Number XXXX XXXX XXXX XXXX XXXX. : Account Number XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : Account Number XXXX I request that you investigate these items and remove any inaccurate or outdated information from my credit report in accordance with the FCRA. Specifically, I dispute the payment status, balance, comments, payment history, and account numbers associated with these accounts, as I believe they may be incorrect.

Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to conduct a reasonable investigation into the accuracy of the information contained in my credit report. Therefore, I request that you verify the payment status, balance, comments, payment history, and account number associated with each of these accounts. If any of this information is found to be inaccurate, incomplete, or unverifiable, I request that you promptly delete or correct the information.

In addition, under Section 611 ( a ) ( 2 ) ( A ) of the FCRA, you are required to notify me of the results of your investigation within 30 days of receiving my dispute. Please send me a written response outlining the results of your investigation and any actions you have taken to correct or delete the inaccurate information from my credit report. 

I understand that the accuracy of my credit report is important for my financial health, and I urge you to comply with the requirements of the FCRA. Thank you for your attention to this matter. 

Sincerely, 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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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 account ( XXXX XXXX XXXX  docket # XXXX ( XXXX ) XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX ( XXXX ) XXXX ( XXXX ) XXXX violated my rights. 

15USC1681 section602 ( a ) states i have the right yo privacy.

15 USC section 604 ( a ) states a consumer reporting agency can not furnish an account without my written consent or instructions.

15USC 1681 ( 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 conviction which antedates the report by more than 7 years 15 USC1681 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 2023-03-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I got the vehicle in XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX. XXXX The rate was 20.61 %, and I believe was to high by Texas law, XXXX XXXX mislead me on finance discussions transferring the car loan to Exeter Finance, knowing that recall matters where not fixed and the car was in Hurrican Harvey according to Vin number reports. In addition Exeter Finance Company has illegally withdrew funds from my account multiples times in XX/XX/XXXX they withdrew {$400.00} and on XX/XX/XXXX {$600.00}, many of these instances has happened Exeter Finances and XXXX XXXX are not keeping monthly statements up to date or accurate due in part to the illegal withdrawal and Finance rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no knowledge of the accounts on my credit file the XXXX XXXX account is fraudulent and misleading XXXX, XXXX and Transunion are engaging in racketeering activities by way of conspiring with XXXXXXXX XXXX  to extort me into paying an alleged debt that was not verified also no proof of verification was given to me on the method of investigation or who was the man interviewed or questioned that verified these accounts. And the promissory note used to create the fraudulent account is a counterfeit note use to extort me.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have no knowledge of the accounts on my credit file the XXXX XXXX account is fraudulent and misleading XXXX, Experian and XXXX are engaging in racketeering activities by way of conspiring with XXXX XXXX to extort me into paying an alleged debt that was not verified also no proof of verification was given to me on the method of investigation or who was the man interviewed or questioned that verified these accounts. And the promissory note used to create the fraudulent account is a counterfeit note use to extort me.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/2021 I was a victim of a hit-and-run accident sustaining multiple injuries. My medical bills have been paid by my auto insurance and medical insurance. Experian was given all the proof of payment by XXXX and still they refused to remove it from my credit report and reporting false information. The so-called Collection Agency named XXXX XXXX has been threatening me with calls and under investigation by FTC. Experian 's action is unlawful and lied to CFPB on multiple occasions. 8 times I filed dispute through Experian website with testimony and proof that I am not responsible for this and my auto insurance and medical insurance paid all legitimate amounts.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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  Bankruptcy : XXXX, XXXX  XXXX Bankruptcy : 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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following accounts are inaccurate and they are in violation of my rights according to the FCRA XXXX XXXX XXXX XXXX These credit bureaus XXXX XXXX TRANSUNION have failed to verify these accounts after disputing this issue with them directly.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
FALSE INFORMATION 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 non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
FALSE INFORMATION REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
INCORRECT INFORMATION

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS Account Resolution Account # : XXXX XXXX They have failed to respond to my letters about incorrect account information. It is against the law and a violation to report health information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: MA

Complaint narrative:
I have received two separate letters in the mail 2 days apart from Linberger Goggan Blair and Sampson LLP addressed to myself but with a XXXX at the end ( I am not a XXXX ) claiming that I have unpaid tolls in both Delaware and Pennsylvania dating from XXXX to XXXX. I was never in either state during that time period - we were locked down due to COVID. 

They claim to be the collection agency for both states. They list a Pennsylvania license plate number as the vehicle I used. I do not have a car registered in PA or a license plate with that number. I live in Massachusetts and have two vehicles registered in MA. 

I called the number they provided in the letter, spoke to a representative and told the woman that I thought I was a victim of fraud. She put me on hold. Came back on the line and said very nervously " This call has been compromised '' and she hung up. I then contacted the law firm using another number and spoke to the " office manager. '' I said that I was convinced it was fraud and I was not paying the bill. He hung up on me as well. 

This is all very suspicious and it needs to be reported and addressed. Either the law firm is real and has fraudulent information, or this whole thing is a scam. They would not have. hung up so quickly if it wasn't fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act Hyundai Capital America 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 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 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 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
The Debt was resolved by XXXX XXXX on XX/XX/2022 file # XXXX with XXXX XXXX XXXX XXXX Acct # XXXX, the creditor was deleted on that day. Under the guidelines it was inaccurate or wrong or fraudulent information. Presumably, the regulations promulgated under the CPRA will contain a similar provision. The VCDPA does not specify how personal information is to be deleted. But also, not RE-INSERTED creditor under another company to damage credit once it has been deleted. XXXX XXXX was in violation after deleting the account and then reassigning the account to a collection agency Jefferson Capital Systems Acct # XXXX. After knowing the account was fraud. On XX/XX/2022 XXXX also deleted XXXX XXXX acct # XXXX from credit report which I have enclosed copies of deletion from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 


I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX Acct # XXXX ... Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " Experian, XXXX, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This notice is to inform you that you are unlawfully reporting unauthorized inquiry on y consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. 

EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was in contact with Oportun in the beginning of XXXX. I was told I was able to refinance my loan and because of the CARES Act, the late payments on my credit report would be deleted. Oportun has updated this account on my credit report without updating the late payments. I want this issue resolved and the late payments removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: EAST WEST BANK
State: CA

Complaint narrative:
EastWest Bank XXXX, CA Branch XXXX XXXX XXXX XXXX  CA XXXX On XX/XX/, and unknow suspect hacked my account via online banking. They made 3 separate wire transfers via online. When I saw the wire transfers via my banking APP, I immediately contacted the bank. 

The bank attempted to reverser the wire transactions but were unsuccessful. 

One transaction was returned from the receiving bank. the other two transactions had no funds to recover from. The total loss was {$33000.00}. The bank did not return the money and refused to acknowledge their responsibility under the ACT. 

The bank 's response was to shift responsibility to the receiving bank. 

They also delayed responding to me after numerous requests. They however finally responded when I mentioned interest was owed due to the delay.

Company response to consumer: Closed with explanation