vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have called all bureas, and my report was supposed to be sent it's over a month, and I still haven't received my credit report. 
I attached my XXXX XXXX XXXX and proof of address I never applied for credit Please send me my credit reports 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
Consumer complaint received 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed  that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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: FL

Complaint narrative:
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: FL

Complaint narrative:
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This issue is with Pay Pal. They say they are having an issue with customers not being able to enter their TIN or SSN to release funds that are put on hold by Pay Pal. I have tried several times to resolve this and finally made a complaint to CFPB. Pay Pal called me and I spent another hour trying to resolve the issue. They told me that my account was verified after they were able to enter the TIN number, but they still couldn't release the funds on hold on their end. I still have almost XXXX of my funds " On hold ''. When I log into my account I get the same message that I still need to enter my TIN # and it still won't accept the number. NOTHING was resolved from my prior CFPB complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 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: KY

Complaint narrative:
Description In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: TN

Complaint narrative:
Over four months ago, I contacted Discover regarding a credit card account that belonged to my deceased brother, XXXX XXXX XXXX XXXX, SS # XXXX, who passed away back in XXXX. Since I am the executor of his estate, the purpose of my follow up with them was to obtain a 1099C for discharged of his alleged debt so that I could file his final tax returns for XXXX. Discover was kind enough to do this and they forwarded a 1099C which I used to file my brothers taxes. ( copy attached ) Unfortunately Discover continues to report on my brothers credit reports that he still owes them on the account even though they clearly have discharged it. My accountants and consumer protect attorneys have advised me that regardless of the issuance of 1099Cs, Discover is still in the position to either attempt to collect or sell off this debt to a third party as long as they are reporting this account to the credit agencies and while this account appears on his credit reports. While I do not think that this a malicious act by Discover nor their intention, I am nevertheless concerned about dealing with this subject in the future as my brothers estate is empty of any money and closed. I mailed and also faxed a letter to Discover on this matter on XX/XX/XXXX ( copy attached ). On XX/XX/XXXX, I followed up with Discover and after an hour of being transferred to half a dozen departments and twice that number of confused representatives, I talked to XXXX, a supervisor in the Deceased Card Services Department, who told me that the company is not listing the debt and is no longer interested pursuing this debt. Nevertheless as of today this account is still being reported to the credit reporting agencies despite what Discover is saying. Their inability to correct this problem is disconcerting to me and so I am turning to the FCRA to assist in getting them to put an end to this matter by ceasing to report this closed and discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: FL

Complaint narrative:
XXXX : Acct # XXXX, XXXX, XXXX XXXX XXXX XXXX : ending in XXXX XXXX : ending XXXX XXXX XXXX XXXX ENDING IN XXXX In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under USC 15 USC 1681 1 ). 602 ( A ). XXXX XXXX findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting.

2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. 
XXXX ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. 

My name is XXXX XXXX all other names must be deleted from my report. Only one address should appear on my report and that is XXXX XXXX XXXX XXXX Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: CA

Complaint narrative:
XXXX ) XXXX is hurting my credit. It's reporting 2 inquires on XX/XX/XXXX and XXXX, XXXX with XXXX XXXX for the same credit card application. I only applied once. 
XXXX XXXX XXXX XXXX XXXXXXXX is wrongfully reporting on XX/XX/XXXX an inquiry I didn't requested. 
XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX and XXXX XXXX XXXX XXXX account # XXXX are reporting that I was 30 days late in XX/XX/XXXX. That is incorrect. 
4 ) I tried multiple times to fix the problems that are hurting my credit with these companies without any luck. I'm asking you to please request them to delete the inquires and wrong information to clean up my credit report.

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 2023-04-03 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:
XXXX ) XXXX is hurting my credit. It's reporting 2 inquires on XX/XX/XXXX and XXXX, XXXX with XXXX XXXX for the same credit card application. I only applied once. 
XXXX XXXX XXXX XXXX XXXXXXXX is wrongfully reporting on XX/XX/XXXX an inquiry I didn't requested. 
XXXX XXXX XXXX XXXX  XXXX acct # XXXX and XXXX XXXX XXXX XXXX account # XXXX are reporting that I was 30 days late in XX/XX/XXXX. That is incorrect. 
XXXX ) I tried multiple times to fix the problems that are hurting my credit with these companies without any luck. I'm asking you to please request them to delete the inquires and wrong information to clean up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NCB Management Services Inc.
State: NY

Complaint narrative:
Disputed NCB Management Services account serveral times with XXXX for reporting inaccurate information, not verify debt, double reporting same account on credit report labeling one account as collections and the other account as a current debt with original creditor as XXXX XXXX XXXX and XXXX with different debt amounts. The reporting year is also inaccurate causing the two accounts to appear on report beyond statute of limitations which would end XX/XX/XXXX not XX/XX/XXXX. I was not given any results or verification of debt after any of the disputes. There is a dispute statement listed which I did not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: FL

Complaint narrative:
Equifax will not allow me to access my credit report through MYEquifax public online services, and Equifax will not provide me with a free copy of my annual credit report, as required by federal law. Equifax unlawfully demanding that i provide a copy of my state driver 's license and is not accepting my valid state id, as it is required to do by law. On XXXX, i faxed Equifax a copy of my valid Florida Identification Card and Social Security Card, front and back, respectively. Equifax then sent me a letter requiring that i send them the same documents i already provided to them. Upon receiving the second letter from Equifax requesting the same information, i again faxed Equifax at the fax number Equifax provided : XXXX i included a copy of the most recent letter from Equifax XXXX along with the valid documents requested by Equifax to prove my identity. i also sent Equifax a copy of my bank statement. 

when Equifax replies that they are working on the problem, this is a false statement. Equifax is not working on anything. Not providing me a credit report or access to my credit report is causing me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

See the documents attached.

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Citibank, I am writing to dispute and seek the discharge of my credit card debt with your institution. As I have been researching my legal options in regards to my debt, I have come across a legislative act th

at may provide me with the means to discharge my debt entirely. The act is known as HJR 192.

HJR 192 is a joint resolution that was passed by the U.S. Congress on XX/XX/XXXX. This resolution was put in place as a response to the economic turmoil of the Great Depression and sought to address issues of debt and inflation. The resolution was intended to provide a way for individuals to discharge their debts without using traditional forms of currency, such as gold or silver. 
Under HJR 192, all obligations, including debts, were to be discharged by the government. This meant that individuals were no longer required to pay their debts with traditional forms of currency. Instead, the government would provide a way for debts to be discharged using a new form of currency known as " United States notes. '' Although HJR 192 was ultimately repealed in XXXX, its provisions remain relevant to this day. Many people have successfully used HJR 192 to discharge their debts, including credit card debt. By doing so, they were able to free themselves from the burden of debt and start anew.

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 2023-04-03 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/2023 My ending account balance was displayed on my mobile app as - {$110.00}. There was no record transactions the following day of XX/XX/2023. When I called Wells Fargo on XX/XX/2023. I was informed that on XX/XX/XXXX my balance was actually- {$1100.00}. After getting paid I proceeded to spend based of the shown amount on my mobile app which was not a accurate depiction. Which lead to a overdraft fee on my account.

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 2023-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Identity thieves have destroyed my life as well as my children lifes. Due to this on going issue I cant rent apartments, get credit cards, or start other accounts in my name. Unfortunately i was not able to find out about the theft until I reviewed my credit report or a credit card statement and notice accounts I didnt open, charges you didnt make, or until youre contacted by a debt collector.

I am requesting for the Debt Pro collect to be removed immediately, as the agent insured me it would be removed in 4days.

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