vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: PA

Complaint narrative:
Experian is reporting late payments from XXXX for XX/XX/2019 and XXXXXXXX XXXX XXXX  I have not had a late payment on this account at all. Other bureaus are reporting the correct information of no late payments but Experian refuses to correct the 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 2022-05-05 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: RI

Complaint narrative:
ACCOUNTS ON MY MOST RECENT REPORT SEEMS TO BE UNFAIR NOT 100 % ACCURATE

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 2022-05-05 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: RI

Complaint narrative:
ACCOUNTS ON MY MOST RECENT REPORT SEEMS TO BE UNFAIR NOT 100 % ACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My report has been marked with several late payments but I was never informed or sent any correspondence that it was time to start repayment.

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 2022-05-05 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
Earlier this month, I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless reports and disputes with the companies included in this complaint. The credit Bureaus have failed to remove these accounts as well. This is prohibiting me from purchasing a home. I was a victim of identity theft and reported it to all the parties involved. I have yet to see these items removed or blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
COMENITY BANKXXXX XXXX IS STILL REPORTING ON MY CREDIT AND THEY ARE IN VIOLATION. I WROTE THEM MANY TIMES TO VALIDATE THE DEBT AND NO RESPONSE. I SENT THEM A POLICE REPORT AND ITS STILL REPORTING ON MY CREDIT. I NEED IT TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've requested my accounts be verified with the 3 credit bureaus ( Equifax, XXXX and XXXX ), and I have not gotten a response of any investigation. It has now been almost 2 months. With 2 sets of letters that went out a month apart. After the letters were received by one of the bureaus my credit card was reported with high utilization and being late which is false and my score dropped XXXX points. This is a violation of privacy and a violation of the FCRA Laws. It is really causing me a great deal of stress. I have a XXXX XXXX child that I can barely take care of because I can not get the extra funding to provide for her. I've had XXXX  XXXX and XXXX XXXX XXXXXXXX and I am in pain. I don't have a car anymore because I can't afford it due to lack of funds from lost wages. I can't get a loan to help with any issues pertaining to my medical condition or my child condition. The actions of these bureaus are ruining my life and when I did try to dispute and described the inaccuracies plus the inconsistencies, I was slandered. Equifax really did me worst then the other two bureaus. My accounts were updated by all the bureaus without any investigation carried out and from what I've recently learned from the FCRA laws this is unlawful and definitely unethical practice. I keep track of every letter and every phone call because I know and they know that this isn't right. I called Equifax and the representative told me that the accounts will be removed. Early that week my score dropped XXXX and after that call which was the next day my score dropped XXXX more points. I've disputed addresses that were not mine and XXXX is the only ones that actually took the addresses off. This is a violation of : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of The Fair Credit Reporting Act ; and 4. Financial Injury In accordance with The Fair Credit Report Act My rights has been violated under : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I sent a valid police and FTC report to affirm to make them aware of myself being a victim of identity theft and they did not accepts my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2022-05-05 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I got an alert that a new inquiry was made, from my credit reporting service, credit sesame. I also got an email from the company in question saying my application was denied. Both the inquiry and email are dated XX/XX/2022. I did NOT apply for this card and I've tried calling them and you are placed on hold, l finally got someone on the phone who refused to transfer me to their fraud department and told me it would take 5-7 days before they even send me paperwork to open a fraud investigation. This is utterly unacceptable. I managed to use my email was was used during this fraud attempt - and found the address which is in New Jersey ( screenshot attached ) The inquiry was reported by XXXX. Upon reading comments on the XXXX XXXX XXXX  website - I have seen multiple complaints that match mine in nature. 

The company information is Inquiry date : XX/XX/2022 Account : XXXX XXXX  Type : Finance/Personal Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX Phone number ( XXXX ) XXXX Once again, I DID NOT apply for this card at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
HELLO IM CONTACTING YOU ABOUT HUNTER WARFIRLD INC I BELIEVE THEY GO BY XXXX XXXX XXXX THEY HAVE BEEN HARASSING ME AND THREATING TO FILE LEGAL ACTION WHEN THE ACCOUNT WAS FROM BACK IN 2010 IT HAS BEEN PASSED 7 YEARS AND THEY ARE STILL ADDING IT TO MY CREDIT REPORTS I HAVE TRIED TO TALK TO THEM BUT THE DEBT COLLECTORS WERE SO RUDE TO ME AND BE CALLING AFTER HOURS WAKING ME OUT MY SLEEP THEY HAVE LEFT SO MANY MESSAGES ON VOICEMAIL ABOUT THIS MATTER I JUST WANT THEM TO STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: SC

Complaint narrative:
The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act the Department of Education/XXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2022-05-05 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 XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX, 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 2022-05-05 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 : TEXAS XXXX XXXX XXXX # XXXX Amount : XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: FL

Complaint narrative:
iled dispute with Transunion. Disputed XXXX XXXX and XXXX XXXX. This was not investigated all that Transunion did was take some info, from the companies and accepted that. I want to know how this was investigated and a copy of the information to include my address and home. 
These are not my accounts nor are they the collection companies. The companies did not show proof of ownership. 
Remove this from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: MA

Complaint narrative:
In accordance With fair Credit Reporting act, XXXX XXXX XXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section2 : also states a consumer reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act the Department of Education/XXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
In accordance With fair Credit Reporting actXXXX XXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section2 : also states a consumer reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
In accordance With fair Credit Reporting act, XXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section2 : also states a consumer reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX IS STILL REPORTING ON MY CREDIT AND THEY ARE IN VIOLATION. I WROTE THEM MANY TIMES TO VALIDATE THE DEBT AND NO RESPONSE. I SENT THEM A POLICE REPORT AND ITS STILL REPORTING ON MY CREDIT. I NEED IT TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX IS STILL REPORTING ON MY CREDIT AND THEY ARE IN VIOLATION. I WROTE THEM MANY TIMES TO VALIDATE THE DEBT AND NO RESPONSE. I SENT THEM A POLICE REPORT AND ITS STILL REPORTING ON MY CREDIT. I NEED IT TO BE REMOVED IMMEDIATELY.

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 2022-05-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act the Department XXXX Education/XXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2022-05-05 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 Everything Has to be 100 % ACCURATE on my credit report. 

The Credit bureaus stated my account 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 on any. This is grounds for removal. 



Also In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

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 Also the credit bureaus took more then 30 days to complete my investigation which is grounds for Removal/Deletion Here are my CERTIFIED tracking numbers : 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 explanation