vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX has continued to report an account that has been charged off for the past several years to the credit reporting agencies repeatedly every month as a non-payment. The amount owed that they are reporting is also erroneous. This action is clearly illegal since it is a " charged off account ''. They are also charged with reporting accurate information and their records are not correct. I have sent several requests to XXXX and to the credit reporting agencies to no avail. The credit reporting agencies simply send a request for validation to XXXX who in turn sends a validation of debt to the bureaus and the information is regenerated on my credit reports. 
XXXX and the credit reporting agencies ( Equifax, XXXX XXXX XXXX ) have improperly validated my debt which is a violation of 15 US Code 1692g-Validation of Debts.

This incorrect information has hindered my ability to obtain credit on several occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX has continued to report an account that has been charged off for the past several years to the credit reporting agencies repeatedly every month as a non-payment. The amount owed that they are reporting is also erroneous. This action is clearly illegal since it is a " charged off account ''. They are also charged with reporting accurate information and their records are not correct. I have sent several requests to XXXX and to the credit reporting agencies to no avail. The credit reporting agencies simply send a request for validation to XXXX who in turn sends a validation of debt to the bureaus and the information is regenerated on my credit reports. 
XXXX and the credit reporting agencies ( XXXX, Experian XXXX XXXX ) have improperly validated my debt which is a violation of 15 US Code 1692g-Validation of Debts.

This incorrect information has hindered my ability to obtain credit on several occasions.

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 2023-06-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX - {$250.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$700.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3200.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$140.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2500.00} Last Reported : XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 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 authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX - {$250.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - {$700.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3200.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$140.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} Last Reported : XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 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 authorization.

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 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
COLLECTIONS ADDED TO ALL THREE COLLECTIONS BUREAUS-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND IT IS PAID. PLEASE REMOVE FROM ALL THREE BUREAUS. 
1. TRANSUNION 2. XXXX 3. 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 2023-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Tesla, Inc.
State: FL

Complaint narrative:
I bought a NEW XXXX XXXX at XXXX XXXX location. It was brand new. I took it out of the dealear and it has safety issues : the seat belt is not working. The safety future that shows me the cars and obstacles arround is not working, The autopliot is not working. 
The parking assit is not working. 
I went back to the dealer 2 hours after to tell them about all the issues and they did not help. I cant drive the car cause is risky and i want the car fixed or my money back.

Please help me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX dropped the debt after i contacted them ( this is the third time i have had this removed from my credit due to fraud ) now 3 days later XXXX XXXX XXXX has been calling me and harassing me about a debt i do not owe. I was run over by a car in XXXX XXXX XXXX XXXX XXXX XXXX. The no fault insurance from XXXX plus my own personal insurance covered all aspects of the debt. talked to a person from XXXXXXXX XXXX today who claims I owe a XXXX dollar fee which would be a copay but in XXXX  my copay was XXXX dollars so I knew they were lying. She was abusive and triggered XXXX XXXXXXXX which i am know so angry that i am actually reaching out to you. I just want these abusive debt collectors to finally stop attacking me so I can finally heal from my XXXX XXXX  experience. Thank You

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 2023-06-01 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: OR

Complaint narrative:
This is fraudulent activity Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

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 2023-06-01 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: OR

Complaint narrative:
This is fraudulent activity Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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:
After a review of my credit report, I found a long-standing collection account listed on my report. The account listed is not mine. I pay and have paid all of my debts, on time past and present. My credit report is important to me. My credit report should only contain information or accounts that are my own, without any misrepresentation.

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 2023-06-02 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: TX

Complaint narrative:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-06-02 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:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2023 I tried to get a cash advance from my credit card using an atm machine. The transaction was declined and stated unauthorized request. I didnt thin anything of it until I saw the amount withdrawn from my account in the coming days. I disputed the amount with my bank, and thought it was all taken care of and then saw the charge reappear several weeks later. They said the atm. XXXX  provided proof that the amount was delivered : I have yet to see any proof and I know that the amount was not dispensed as I never received the cash. Ive tried to call the bank on several occasions but each time I am told a new reason why I cant be helped.

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 2023-06-02 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have a right to privacy, 15 U.S.C. 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX - {$250.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$3200.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$140.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2500.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. 1681 Section 604 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 authorization.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted this companies and advised them of the problem that I was having and nothing was done about the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
the company is reporting a collection that is negatively affecting my credit I do not owe the debt also they are not licensed to operate in the state of Delaware

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2023, I received a email say my PayPal account is permanently closed because of " activity in your account thats inconsistent with our User Agreement ''. 

Having been a loyal and responsible user of PayPal for over a decade, I was taken aback by this sudden decision. I use this account primarily for my daily transactions, all of which are legitimate. Given this, I am unable to comprehend how my activities could have contravened the User Agreement. 

I have already attempted to resolve this issue via a phone call, but unfortunately, it did not prove fruitful. 

To the best of my knowledge, all my transactions have been in line with PayPal 's guidelines and policies. If there has been any unintentional violation, I would appreciate your guidance on the matter. 

Additionally, I would like to bring to your attention that my account currently holds a balance of approximately {$300.00}. As a result of the account closure, these funds have been rendered inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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 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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.

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 2023-06-01 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: CA

Complaint narrative:
I am writing to bring to your attention a serious matter regarding the violation of my privacy rights under federal laws and regulations. It has come to my attention that the credit bureaus Transunion and XXXX have failed to comply with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), and also have violated the 15 U.S. Code 6802, and 15 U.S.C. 1681 sections 604, 607, 610, and 621. I have attempted numerous times to resolve this incorrect reporting of my consumer credit information and they have failed to comply even after having many phone calls and speaking to several supervisors they still after I had clearly pointed out their many mistakes did not comply with the FRCA and the 15 U.S.C.

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 2023-06-02 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: CA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  Inquired on XX/XX/XXXXXXXX

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 2023-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation