vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureaus are reporting inaccurate information on BEST BUY/CBNA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on XX/XX/HSN; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: OK

Complaint narrative:
Transunion is showing that I have over 30 inquiries when I didn't authorize and it caused a big drop in my score. I disputed the same problems with XXXX and XXXX, both bureaus fixed the problem. Transunion is giving me a hard time. I reported to that my credit and personal profile been hacked in which I never been a situation such as this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiried on XX/XX/XXXX and XXXX XXXX XXXX Inquiried on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
DEMAND TO VALIDATE NOT VERIFY DEBT CLAIM RESPONSE TO 10 DAY WRITTEN NOTICE FOR A CLAIM OF DEBT IN ACCORDANCE WITH USC 31 3716, 5 USC 5514, AND 45 CFR PART 30 AND 32 AND PURSUANT 45 CFR PART 32.6 ( e ) ( 1 ) Burden of proof. ( 1 ) The Secretary has the initial burden of proving the existence or amount of the debt. 
1 PLEASE TAKE NOTICE OF THE Following It has come to my attention, after scrutinizing some documents, that you are collecting monies from me that you were never entitled to. 
Furthermore, your original claim has errors and deliberate misrepresentations. Thus, pursuant to the truth in lending laws of the United States Code, Title 15 1601 et. seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq., this notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. 
Moreover, this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed by producing the following : ( 1 ) The name and address of the organization alleging the debt ; ( 2 ) The name of the actual creditor even if that is myself ; ( 3 ) The origin of the funds used to create this alleged claim of a debt and my agreement to pay that debt with a statement of full disclosure. 
( 4 ) ALL associated tax forms as required by law, including all 1099s, W9s, etc. from the inception of this alleged debt. 
( 5 ) Proof of claim in corresponding ACCOUNT Number # # # - # # - # # # ( 6 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 
( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or othe

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 2021-11-13 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; EQUIFAX MORTGAGE SER Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX - AUTO FINANCE Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX - CARD SERVICE Inquiry Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on COMENITY BANKXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX Date XXXX. XXXX, XXXX ; 2. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 3. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 4. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 5. XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : 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 Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX - AUTO FINANCE Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: CURO Intermediate Holdings
State: OK

Complaint narrative:
I NEVER AUTHORIZED ANY HARD INQUIRY OF MY CREDIT. I AM XXXX  AND THESE COMPANIES HAVE THESE AGREEMENTS TAILOR MADE TO INSURE XXXX PEOPLE ARE SWINDLED. THIS WAS SENT TO ME AS A WAY TO CONSOLIDATE MY DEBT WITHOUT ANY CREDIT IMPACT, BUT IT HAS BEEN ONLY A CREDIT IMPACT, PULLING TWO HARD INQUIRIES ON THE SAME DAY. I WANT THIS ADDRESSED AS A XXXX ACCESS ISSUE BECAUSE THEY ARE PREYING UPON PEOPLE LIKE ME WHO ASSUME THAT THEY ACT IN GOOD FAITH WHEN INSTEAD THEY ARE LOOKING TO ENSNARED XXXX XXXX PEOPLE. IF THIS CAN NOT BE ADDRESSED AS SUCH, PLEASE REFER ME TO THE REGULATORY AGENCY WHERE I CAN COMPLAIN ABOUT PREDATORY BEHAVIOR BY LOAN AGENCIES SUCH AS " CURO '' OR WHATEVER THEY PRETEND TO CALL THEMSELVES. THIS COMPANY SHOULD HAVE THEIR LICENSE REMOVED BECAUSE THEY PREY UPON PEOPLE LIKE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I NEVER AUTHORIZED ANY HARD INQUIRY OF MY CREDIT. I AM XXXX  AND THESE COMPANIES HAVE THESE AGREEMENTS TAILOR MADE TO INSURE XXXX PEOPLE ARE SWINDLED. THIS WAS SENT TO ME AS A WAY TO CONSOLIDATE MY DEBT WITHOUT ANY CREDIT IMPACT, BUT IT HAS BEEN ONLY A CREDIT IMPACT, PULLING TWO HARD INQUIRIES ON THE SAME DAY. I WANT THIS ADDRESSED AS A XXXX ACCESS ISSUE BECAUSE THEY ARE PREYING UPON PEOPLE LIKE ME WHO ASSUME THAT THEY ACT IN GOOD FAITH WHEN INSTEAD THEY ARE LOOKING TO ENSNARED XXXX  XXXX PEOPLE. IF THIS CAN NOT BE ADDRESSED AS SUCH, PLEASE REFER ME TO THE REGULATORY AGENCY WHERE I CAN COMPLAIN ABOUT PREDATORY BEHAVIOR BY LOAN AGENCIES SUCH AS " XXXX '' OR WHATEVER THEY PRETEND TO CALL THEMSELVES. THIS COMPANY SHOULD HAVE THEIR LICENSE REMOVED BECAUSE THEY PREY UPON PEOPLE LIKE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on USAA SAVINGS BANK XXXX Balance {$1200.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Army and Air Force Exchange Service
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on MILITARY STAR XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-13 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

NAVY FEDERAL CR UN XXXX Balance {$10000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation