vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-30 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: MO

Complaint narrative:
In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: KS

Complaint narrative:
I made a payment on my Discover card on XX/XX/2022 online. Without providing me any notification, Discover placed a hold on the payment despite posting the payment and the funds having been withdrawn from my checking account. The representative informed me that there is an 8-day hold on the payment to " investigate '' the payment even though they never notified me nor contacted me about any potential issues with the payment or any explanation as to why this payment was placed on hold and being investigated. As of XX/XX/2022 - much longer than the " 8 days '' promised, Discover still has not posted the payment or completed whatever investigation they are conducting. I have contacted Discover multiple times and they refuse to provide me with any information as to the reason for this investigation into my payment and they continue to refuse to fully post the payment and make my funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: TX

Complaint narrative:
I have a account with XXXX, this account reflects several inaccuracies that are reporting on my credit files with XXXX XXXX, XXXX, and Equifax. The inaccuracies are highly noticed when reviewing my credit. This reporting is effecting my credit as, it is keeping me from obtaining a better credit status. 

I was contacted by a creditor, who advised me that the account with XXXX. Account # XXXX showed my payment status as current, but showed in the XXXX XXXX XXXX status. With several late payments over 30 days late with all three credit bureaus. I request a update of reporting with all three credit bureaus with XXXX XXXX, XXXX, and Equifax. 

I do not request that this account be removed or deleted, but updated to reflect alone with the payment status of paid current reported on all three credit bureaus with all three credit bureaus. 

List of inaccuracies : XXXX XXXX XXXX Equifax Date Opened : : : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Monthly Payments : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comment Section : No rate information No rate information Auto fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year Payment History : XXXX XXXX XXXX 30 day late XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX XXXX : 30 day late XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX Equifax 30 day late : XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX This is a breakdown of the inaccuracies that are being reported from all three credit bureaus. I request that these inaccuracies be updated to reflect the true accuracy on my credit files. 
There should be no hesitations, or issues with getting this corrected. I expect that this will be done in the 30 days mandate per Federal Law under the FCRA 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a account with XXXX, this account reflects several inaccuracies that are reporting on my credit files with XXXX XXXX, Experian, and XXXX. The inaccuracies are highly noticed when reviewing my credit. This reporting is effecting my credit as, it is keeping me from obtaining a better credit status. 

I was contacted by a creditor, who advised me that the account with XXXX. Account # XXXX showed my payment status as current, but showed in the XXXX XXXX XXXX status. With several late payments over 30 days late with all three credit bureaus. I request a update of reporting with all three credit bureaus with XXXX XXXX, Experian, and XXXX. 

I do not request that this account be removed or deleted, but updated to reflect alone with the payment status of paid current reported on all three credit bureaus with all three credit bureaus. 

List of inaccuracies : XXXX XXXX Experian XXXX Date Opened : : : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Monthly Payments : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comment Section : No rate information No rate information Auto fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year Payment History : XXXX XXXX XXXX 30 day late XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX Experian : 30 day late XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX XXXX 30 day late : XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX This is a breakdown of the inaccuracies that are being reported from all three credit bureaus. I request that these inaccuracies be updated to reflect the true accuracy on my credit files. 
There should be no hesitations, or issues with getting this corrected. I expect that this will be done in the 30 days mandate per Federal Law under the FCRA 15 USC 1681.

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 2022-10-30 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I did not owe this original creditor any money. I gave notice and left my apartment for medical reasons due to a XXXX. They charged without issuing an itemized bill and the collection agency refuses to work with me reporting this to XXXX. They have a monopoly with contracted Apartment Complexes meant to force tenants to pay exorbitant fees when they leave or ruin their chances of finding suitable housing ever again. Someone needs to investigate the relationship that this collection agency has with these companies as it's oppressive to lower-income working XXXXXXXX XXXX XXXX XXXX refuses to let me dispute this again after disagreeing with the results. I was a recent victim of XXXX XXXX and was displaced. This report keeps me from obtaining safe housing for my family and me. When I disputed, I was further punished by them updating the balance and date of the last activity to prolong the period that this will remain on my credit report against me. This practice needs the end. 

NATIONAL CREDIT SYSTEM Original creditor : XXXXXXXX XXXX XXXX Balance details 0 % paid off Balance {$2100.00} Balance updated XX/XX/2022 Original balance {$2100.00} Account info Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: TX

Complaint narrative:
XXXX continue to report inaccurate slanderous negative payment information concerning the student loans Ive paid off. From the loans in years XXXX. 

I was in school till XXXX and while a student is enrolled loan payments are differed until after they graduate. The late payments and derogatory statements being reported are false, misleading and slanderous.

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 2022-10-30 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: CA

Complaint narrative:
On XXXX XX/XX/2022 XXXX XXXX  violated my rights in accordance with the fair credit reporting act this listed account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681.

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 2022-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The company calling my number XXXX persistently is MIDLAND CREDIT MANAGEMENT. They call me every hour or any day even Sundays. I do not have a debt with anyone. My debt was discharged a long time ago theough bankruptcy. 

They are calling me trying to collect someone else debt through me but calling me instead. They need to stop I do not owe anyone and whatever debt this is they need to find the rightful people and call them instead. 

This number is rightfully registered to only me who owes no debt and they need to STOP calling me or XXXX make further legal charges after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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:
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 U.S.C 1681. 
XXXX # XXXX Months XX/XX/XXXX XX/XX/XXXX XXXX  # XXXX Months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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, other that 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 2022-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
ACCT : XXXX To whom it may concern, I wrote you requesting validation of this alleged debt. You have not supplied the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for you collection of this alleged debt? 
Please send evidence your authorization to do business or operate in the state of Florida. 

Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XX/XX/2022 XXXX XXXX violated my rights in accordance with the fair credit reporting act this listed account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
According to Federal law 15 U.S. Code 1681s-2 ( 7 ) ( A ) ( i ) ( A ) Notice to consumer required ( i ) In general " If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. '' In XXXX of 2022 PROSPER MARKETPLACE acct XXXX furnished negative information onto my consumer report ( late payment ) with out providing notice in writing. 

If this person claims to have sent me in writing that it had intentions of furnishing said negative information please have them send me a copy of said letter and a wet signature of mines confirming receipt of the writing.

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
There are two Tax liens on my report that have been paid in full and continue to be reported falsely as not paid. Please remove these from my report asap as they are being reported falsely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
XXXXXXXX XXXX claim #. 

Totaling almost {$30000.00}. 
XX/XX/XXXX {$5100.00} XX/XX/XXXX {$7500.00} XX/XX/XXXX {$4900.00} XX/XX/XXXX {$4900.00} XX/XX/XXXX {$6000.00} XXXX Is selling to XXXX XXXX. 
XXXX fraudulent checks cleared my First Horizon Bank account. They were deposited online at XXXX XXXX. I filled in the Affadavits at XXXX and filed the police report with XXXX police dept as requested. I was advised by XXXX money would be returned in a week. It has been over 90 days since this occurred and XXXX claims XXXXXXXX XXXX has to repay the money. I did not sign an account agreement with these terms. Nor was I made aware of these terms. I can not find any laws supporting XXXX or XXXX policy. 
They are both allowing mobile deposits and have no safeguards. Duplicate check numbers cleared the account. They cleared same check numbers twice? They will not repay consumer losses to the systems they preside over. Our money is not protected by or safe in our banks. It is an atrociously flawed system where the consumer loses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Kohls is reporting my account as charged off, but they still report a balance. Calls to them to correct it are ineffective. 

Additionally, I offered to settle the account and they refuse to negotiate a partial settlement. They also told me that if I settled for the full amount, they would not change what they are reporting and there is no reason to settle with them since my date of last payment was XXXX of 2016. 

They do not report the correct date of last payment which is also a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is a property I never had a Lease or any legal obligations to Only used this as a Mailing addres. When landlord wasnt paid he came after everybody including the lease holder. Which was settled between the landlord and lease holder. But The landlord continued to seek more money from others whom used address also

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 2022-10-30 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have had several phone calls with the credit card company, the last of which was in XX/XX/XXXX. I thought the matter had been resolved. It is a business card from a company I left over two years ago. I alerted the corporation I was working for that my name should be removed from the corporate account ( there were at various times 3 or 4 people who had card ). The business apparently failed to do this and continued to use the card after my departure in XX/XX/XXXX. I was completely unaware of this fraudulent action I explained at length in several phone calls, over many long months that I did not make the charges, authorize any new charges, or ongoing automatic payments. I also did not receive any " material benefit '' from the purchases as would be required by the law. I ended my last call with the company hearing directly from them that " so, you are claiming that the charges were fraudulently made as you had left the company ( incorporated under NJ law ) two years before. I replied, " Yes! '' I have not received any communication from the company since XXXX of this year and I was under the assumption that the case was closed. I have now retained legal counsel to plead my case should the company continue to actively pursue this matter and to protect me from this continued harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: GA

Complaint narrative:
XXXX is reporting my account as charged off, but they still report a balance. Calls to them to correct it are ineffective. 

Additionally, I offered to settle the account and they refuse to negotiate a partial settlement. They also told me that if I settled for the full amount, they would not change what they are reporting and there is no reason to settle with them since my date of last payment was XXXX of 2016. 

They do not report the correct date of last payment which is also a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Payment not received by XXXX XXXX for a payment at XXXX. 


Also held my money way past 10 day deadline on the pay off of the HELOC owed to them. 

Did not return my money until late XXXX after the first complaint was filed. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: CA

Complaint narrative:
On these dates listed below I had unauthorized credit inquiries from the following companies on the following dates 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 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