vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-10 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and Experian and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 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 seven years. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ XXXX 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 Experian and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Violating the privacy act of XXXX! 

Account number XXXX Recent Balance, {$1500.00} Date opened XX/XX/XXXX XXXX credit management is legally also not even licensed to collect debts within the state of Pennsylvania!

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 2023-12-10 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: SC

Complaint narrative:
15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN Consent Account name XXXX XXXX account name XXXX XXXX XXXX mail me documents that written to give you permission to report a charge off in 30 days if you cant plz delete the negative account off my credit report immediately plz and thank you and can you send to the address below XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion XXXX XXXX Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX offs never have late payments attached to them because they are late by default. XXXX has XXXX late payments attached to it The date opened- not correct almost the 3 bureaus High Credit Amount -not correct almost the 3 bureaus Last reported date-not correct almost the 3 bureaus Last active date-not correct almost the 3 bureaus Date of last payment-not correct almost the 3 bureaus Charge offs should never have past due amounts.. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory account be investigated and permanently removed from my report. 
I await your reply with the above requested proof.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear XXXX, Equifax, and XXXX Re : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 
I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : XXXX All XXXX bureaus have status as late 60 days. 
XXXX last date of payment as XX/XX/22 but also has on the payment history as 30 days late for that month. 
XXXX and XXXX both have the last payment date as XX/XX/22. 
Please update to pays on time every time and remove derogatory info from my report for this account. 
After doing so please provide me with an updated credit report reflecting the changes. 
Thank you for your time,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 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: TX

Complaint narrative:
Dear XXXX, XXXX, and Experian Re : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 
I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : XXXX All XXXX bureaus have status as late 60 days. 
XXXX last date of payment as XX/XX/22 but also has on the payment history as 30 days late for that month. 
XXXX and Experian both have the last payment date as XX/XX/22. 
Please update to pays on time every time and remove derogatory info from my report for this account. 
After doing so please provide me with an updated credit report reflecting the changes. 
Thank you for your time,

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 2023-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
i sent the XXXX XXXX XXXX letters requesting that they show proof that I opened the account and the response I got was a judgement against me that i had absolutely no knowledge about. I was not served nor notified of such. and its not even my dept. I believe someone acted as me or used part of my identity to get the account. not sure how it happened but it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Apothaker & Associates, PC
State: NJ

Complaint narrative:
APOTHAKER, SCIAN OBTAINED A JUDGEMENT FOR XXXX CREDIT CARDS, i have been paying agreed amount for about 6 years and i noticed that they added a XXXX $ fee for every payment made. i still owe about XXXX total on debt, they never informed me from the beginning there would be a fee added. i pay XXXX $ per acct a month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I made a large purchase of XXXX $ to buy a business XXXX and never received the business under my name, no good and services, no the keys to the business or lease. I contacted the merchant and they told me they would pay me back and that was on XXXX. I have not been able to reach them after. I disputed the amount of XXXX $ ( XXXX XXXX XXXX, XXXX $ with my Chase bank and XXXX $ with my XXXX and nobody contacted me and on XX/XX/XXXX my claim has been denied. Im sending proof that the business bought is not under my name and no final contract has been signed as stated on the Purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I want to deactivate my Experian account. Customer service not helping. Stuck in a loop.

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 2023-12-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
At the end of XX/XX/XXXX, I began to experience mold in my apartment. I took pictures of the areas in my apartment that had mold, mold was present in and on the vents and walls. There was also a thick musk smell through out the apartment. I contacted the Leasing office at XXXX at XXXX XXXXXXXX XXXX  and let them know I had mold in my apartment and I became ill. The Manager at the leasing office told me that they would send someone out. After a few days past I contacted the leasing office again about the mold because no one had came to my apartment. Again the Manager said she would send someone out to my unit. Someone finally came after XX/XX/XXXX, and replaced the vent covers, however there was still a presence of mold in the apartment and I was still ill. I left the apartment on XX/XX/XXXX and began staying with my friend. I had to pay her {$500.00} to live with her for the remaining of XX/XX/XXXX and {$700.00} for XX/XX/XXXX. I contacted the leasing office at XXXX at XXXX XXXX and informed them that there was still mold in my apartment and the manager told me I could terminate my lease early. She advised me to email them stating I will terminate my lease and state the move out date. On XXXX XXXX I agreed to terminate my lease and submitted an email stating that I was terminating my lease due to mold and my move out date would be XX/XX/XXXX. I did not agree to pay the Ascend at XXXX XXXX anything. They did not provide me an invoice stating I had to pay anything at the time of terminating my lease. I also did not sign documentation stating that I would pay anything. I was in process of finding another place of residence there was no way I could pay for a new residence, pay for my current living situation and pay XXXX at XXXX anything. Also 90 % of my belongs that I removed from the apartment had to be disposed of because there was mold on the items. I had to dispose of a new mattress, clothes, any item that had a penetrating surface. An invoice or notice of payment was never provided to me at the time of terminating my lease. The XXXX XXXX XXXX provided me an invoice of the debt on XX/XX/XXXX. However, they did not provide documentation stating that I agreed to a debt at the time of terminating my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX made a purchase of XXXX $ and never received the good or services for this transaction. I bought an XXXX and the business is still under the merchants name. There was no final agreement signed as stated on Letter of intent. Also didnt receive and merchandise as agreed upon. Disputed with AMEX for this fraudulent transaction no one is reaching out to help me. I have not received anything for my transaction from merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX, XXXX OBTAINED A JUDGEMENT FOR XXXX CREDIT CARDS, i have been paying agreed amount for about 6 years and i noticed that they added a XXXX $ fee for every payment made. i still owe about XXXX total on debt, they never informed me from the beginning there would be a fee added. i pay XXXX $ per acct a month

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 2023-12-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Equifax Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX offs never have late payments attached to them because they are late by default. Equifax has XXXX late payments attached to it The date opened- not correct almost the 3 bureaus High Credit Amount -not correct almost the 3 bureaus Last reported date-not correct almost the 3 bureaus Last active date-not correct almost the 3 bureaus Date of last payment-not correct almost the 3 bureaus Charge offs should never have past due amounts.. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory account be investigated and permanently removed from my report. 
I await your reply with the above requested proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 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: TX

Complaint narrative:
XXXX Experian XXXX Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX offs never have late payments attached to them because they are late by default. XXXX has XXXX late payments attached to it The date opened- not correct almost the 3 bureaus High Credit Amount -not correct almost the 3 bureaus Last reported date-not correct almost the 3 bureaus Last active date-not correct almost the 3 bureaus Date of last payment-not correct almost the 3 bureaus Charge offs should never have past due amounts.. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory account be investigated and permanently removed from my report. 
I await your reply with the above requested proof.

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 2023-12-10 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: TX

Complaint narrative:
Dear TransUnion, XXXX, and XXXX Re : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 
I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : XXXX All XXXX bureaus have status as late 60 days. 
XXXX last date of payment as XX/XX/22 but also has on the payment history as 30 days late for that month. 
TransUnion and XXXX both have the last payment date as XX/XX/22. 
Please update to pays on time every time and remove derogatory info from my report for this account. 
After doing so please provide me with an updated credit report reflecting the changes. 
Thank you for your time,

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 2023-12-10 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: AZ

Complaint narrative:
On XX/XX/2023 I was alerted throughout my monitoring platforms of fraudulent activity. 
The company XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX obtained a copy of my consumer report without my consent. I am not liable or responsible for this inquiries please remove immediately. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: TX

Complaint narrative:
TransUnion XXXX XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. 
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated to be completely deleted. 
The FOLLOWING accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to reg|ulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX  and XXXX is reported as having a late payment my credit report : TransUnion has XXXX and XXXX of XXXX paid but then XXXX has XXXX and 60 days late. 
I am demanding that they be veupdated to Paid as Agreed and Never XXXX. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief