vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: DE

Complaint narrative:
XX/XX/2023 I contacted XXXX XXXX due to a collection item that appeared on my credit. XXXX XXXX representative transferred me to financial department. I spoke with representative resolve issue by paying balance. XXXX XXXX told it will take a couple of days but I will receive the letter by email. four days later, I did receive the letter confirming they received my payment, and it was resolved and paid in full. Three weeks later, I reviewed my credit report. The item is still appearing unpaid and credit score decreased XXXX more points. After reviewing it, I had submitted a dispute when it was completed the credit bureaus reported back Account information disputed by consumer, meets FCRA requirements. I contacted them again and told them that it continues to be reported incorrectly to my credit. They told me they have already contacted the collection agency but they told me it should not have an ever been sent to a collection agency. And my score keeps decreasing because of this and they refuse to correct the error.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
this is a violation of 15usc 1681a2 I didn't give written permission to have XXXX XXXX XXXX XXXX XXXX XXXX, or SXXXX furnished on my 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 2023-09-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
On XX/XX/23 I completed an online applicaiton with Freedom Debt Relief. I gave them all of my personal information including my social security number. I did not sign the contract because I had questions. I downloaded the application which was incomplete. but I called the XXXX number to get answera before signing contract. I spoke with a female a " certified debt consultant with Freedom Debt Relief ''. I did not catch her name I want to say her last name was XXXX. So I asked this customer service rep about how this works, she did have access to my information because she read off all the creditors, not sure how she received this information. I had a issue with one credit with my cosmetology school and I was to get back with her to give the name of creditor and actual amount due. I also had another question but this one was more concerning. She said she would call me back the next day which would have been XX/XX/23 at XXXX. I never received a call and have not received a call since. I tried calling XXXX back today XX/XX/23 ( XXXX and XXXX XXXX XXXX, and XXXX XXXX. all three times it stated it would connect me with a certified debt consultant agent but was immediately sent to a voicemail stating " my '' debt consultant agent would get back with me. I left a message today stating since no one has called me back as promised and no one is picking up or I am being transferred I would contact CFPB. 

My concern is my the giving of my social security number and how they can see all of my credit information and how they asking for permission to gain access to my creditors and me giving them my social security number they have all of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CSO Financial
State: OR

Complaint narrative:
This Company is listing a report on my credit bureau reports that has been paid in full. I would like this tradeline to be deleted permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently checked my credit profile these following accounts are fraudulent ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Those listed accounts are hindering my credit profile and me from buying a new vehicle and house. Multiple attempts on my end was made to remove these accounts due to their fraudulent nature. I would like these accounts removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
this is a violation of 15usc  1681a2 I didn't give written permission to have XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  furnished on my 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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
this is a violation of 15usc 1681a2 I didn't give written permission to have XXXX XXXX XXXX  XXXX XXXX XXXX, or XXXX furnished on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below : Credit Management Lp Date Assigned : XX/XX/XXXX Balance : {$850.00} Furnisher of information : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Balance : {$460.00} Furnisher of information : XXXX XXXX XXXX  XXXX XXXX. 

Midland Credit Management Date Assigned : XX/XX/XXXX Balance : {$660.00} Furnisher of information : XXXX XXXX XXXX  XXXX. 

*PLEASE NOTE : LEGAL ACTION WILL BE TAKEN ON CONDITION THAT THE ABOVE CONSUMER REPORTING AGENCIES FAIL TO HONOR THE RIGHTS PROTECTING I THE CONSUMER*

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I filed multiple disputes with XXXX credit bureau to fix an incorrect Educational Loan balance with Multiple disputes. Despite providing updated account information from the loan company, each dispute is returned with no updated change on the 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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I filed multiple disputes with XXXX credit bureau to fix an incorrect Educational Loan balance with Multiple disputes. Despite providing updated account information from the loan company, each dispute is returned with no updated change on the 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 explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I never had a account with this company. Never applied for anything. Now they saying I had an account back in XXXX. I never applied for this account either. I didn't even notice it on my report because it is closed. I need both of these account removed from my report immediately as this was never me. Every time I call its a different story. The very first time I contacted them they sated I did not have an account with they after taking my information. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I never had a account with this company. Never applied for anything. Now they saying I had an account back in XXXX. I never applied for this account either. I didn't even notice it on my report because it is closed. I need both of these account removed from my report immediately as this was never me. Every time I call its a different story. The very first time I contacted them they sated I did not have an account with they after taking my information. 

XXXX XX/XX/XXXX TBOM/FORTIVA XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Again I asked cfpb to have affirm address the inaccuracies in my credit report. 

The experian report shows inaccurate information on balance. Inaccurate information on when loan was paid. 

Please do not have XXXX  respond by stating the terms as the terms are irrelevant. 

XXXX must address the evidence for clarification without deceit.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Company put in collections and paid collections and everything is closed but won't remove from credit report. Also on the second account ( same company ) account paid in full and closed and reported as charge off. And won't remove from credit 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 2023-09-08 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Company : XXXX XXXX XXXX Amount : {$1100.00} Account # : XXXX Asking for a Fast Removal Of This Fraudulent Activity On my Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Details of the account in question are as follows : Company : XXXX XXXX XXXX Date : XX/XX/2017 Account Number : 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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was contacted on XX/XX/XXXX at XXXX ( Arizona XXXX ) by a company that stated they were representing Bank of America and were about to file in court to have me served for an outstanding debt from XXXX. They said they were moving to place a lien on my home and looking for XXXX $ in the case. I ended up settling for {$4000.00} do to the threat of being sued and having a lien placed against my home. I have DocuSign documents that say they are from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX. ( XXXX ) XXXX. They number that called me was ( XXXX ) XXXX and I was spoken to by a guy named XXXX XXXX after a XXXX A left a message on my phone saying : " This is XXXX A with process service dispatch. This call is to notify the residents at this location that this is our second and final attempt to deliver legal documents to a uh XXXX the property owner of the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. We have questions about that verified property address. Legal documents are due to be finalized and dispatched. A signature is required for proper service and delivery. If there is any information that is needed or the rescheduling of service, contact the issue in confirm that it's handling your case by dialing XXXX XXXX XXXX. Reference your case number XXXX dash XXXX. You've been notified. '' They even called my brother telling him they were going to file court summons to sue me.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
There are hard inquiries from thd/cbna that I do not have acknowledged off or did to show up on my credit report. I have called the credit company for these application and accounts they have closed it and have done an investigation. The hard inquiries and credit card accounts are still showing on 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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I already pay for my charges off with XXXX XXXX  for both my accounts that I was charge off for. They agree to remove it off my account and its still showing up on 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 explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief