vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
XXXX XXXX XXXX at address ( XXXX XXXX XXXX XXXX, IN XXXX ) has been sending me collection notices in the amount of ( {$420.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : XXXX XXXX XXXX, and 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Account was opened fraud in my name, fair credit act requires 100 % accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: NY

Complaint narrative:
Account was opened fraud in my name, fair credit act requires 100 % accurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Acct reference # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
this complaint is being done on National Credit Adjusters and their illegal tactics to report incosistent and inaccurate information after they verified all reported information as accurate with XXXX  and XXXX. 

XX/XX/XXXX I sent this collection agency a letter asking for verifiable proof on this alleged debt. 

XX/XX/XXXX this agency sent me a correspondence letter along with bills statements claiming that what they provided was proof that they are legally able to collect on this debt. took more than 30 days to recieve this letter. 

fast forward to the present days. XX/XX/XXXX I challenged this account with all 3 bureaus regarding inaccuracies. 

XX/XX/XXXX XXXX  results read the furnisher has verified the reported information as accurate. XX/XX/XXXX XXXX  results read this account was verified as accurate. I have yet to hear from XXXX. 

XX/XX/XXXX I decided to pull my actual credit reports AND a trimerge report from XXXX and noticed that all 3 bureaus are reporting 3 different running of reporting time frames. how is that possible when the furnisher has recently verified and reported that all reported information was accurate? XX/XX/XXXX National credit adjusters recently reported to all 3 bureaus XXXX XXXX and XXXX. 

my XX/XX/XXXX reports read XXXX the estimated month and year this item will be removed is XX/XX/XXXX. 
XXXX  On Record Until XX/XX/XXXX. 
XXXX Date of XXXX deliquency is XX/XX/XXXX putting the removal date to be XX/XX/XXXX. 

this is proof in black and white that this blatant and illegal inaccuracy proves that this furnisher is conducting illegal practices by lying to the consumer reporting agencies that all reported information was accurate. if this furnisher can not even verify/identify the correct running of reporting obsolete time then this is clear indication that this furnisher DOES NOT have all proper documentation to legally collect on this debt no longer. this item is also time barred. national credit adjusters are not complying under the FDCPA and they must be held liable for their illegal practices. I have already placed a complaint on the 3 consumer reporting agencies regarding this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: Phoenix Financial Services LLC
State: WY

Complaint narrative:
PHOENIX FINANCIAL SERV at address ( XXXX XXXX XXXX XXXX, IN XXXX ) has been sending me collection notices in the amount of ( {$420.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : PHOENIX FINANCIAL SERV, and PHOENIX FINANCIAL SERVICES, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I looked at my report after trying to get approved for a mortgage loan. The company denied me and I was appalled because I haven't used my credit much and when I did I kept good records with everyone. I submitted a complaint for identity theft and attaching the document below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: AR

Complaint narrative:
I looked at my report after trying to get approved for a mortgage loan. The company denied me and I was appalled because I haven't used my credit much and when I did I kept good records with everyone. I submitted a complaint for identity theft and attaching the document below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06 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: SC

Complaint narrative:
In accordance with the fair credit Reporting act US DEPT ED Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account XXXX XXXX, Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX  Account # XXXX,, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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:
To Whom It May Concern Equifax has been sent letters XXXX letters since XX/XX/2022. They continue to keep false information on my credit report. My report is beyond inaccurate. It bothers me that every month this still is happening month after month. The following issues still have not been addressed. I have names, addresses, hard inquiries, and collections accounts on my credit report that continues to update. I do not have any credit cards now but XXXX card. Yet I have XXXX hard inquiries that have been reported on my credit profile. 

My name is XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Collections : XXXX XXXX XXXX  Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above and address should be the only ones on my credit report. Yet when I send certified letters to them, they come back as verified. How was this information verified? There was no letter sent to me in the mail as I requested on how they verified this information. The false information that they continue to report is damaging to my credit profile. I want this information deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXXdept of Ed XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acct reference # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Balance XXXX This account is a fraud account opened in my name, I have contacted both companies in assistance with getting this account removed from my credit report.I am disputing fraudulent or inaccurate information 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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Balance XXXX This account is a fraud account opened in my name, I have contacted both companies in assistance with getting this account removed from my credit report.I am disputing fraudulent or inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act the Accounts XXXX XXXXXXXX bankruptcy accounts # XXXX This account is reporting to all three bureaus, XXXX XXXX ACCOUNT # XXXX XXXX they are reporting to XXXX and Experian has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern : During early and mid XXXX of 2022, I used various XXXX payment applications ( XXXX XXXX, XXXX, XXXX ) to pay various parties ( XXXX XXXX for merchandise I was trying to buy. Despite using the XXXX payment applications, payment was always made through my Chase Visa Debit Card. Subsequent to payments, XXXX would claim that their XXXX application account was locked out due to suspicious activity, therefore unable to access funds sent to them. As a result, XXXX did not ship out merchandise and recommended I file a claim with my bank to get my money back. 

I called Chase Bank customer claims to open disputes explaining to various agents my situation. They opened claims for me, but eventually ruled the claims not in my favor stating that the payment was made through XXXX payment applications. I tried appealing and reopening my cases by faxing proof to the claims department that I paid for merchandise that I never received. Proof included chat logs with XXXX discussed merchandise to be purchased, pictures of payment receipt, XXXX claiming XXXX application being locked out, then confirming they will not ship out merchandise and advised I try to recover my money through the bank. 

Despite providing this proof, Chase has ruled not in my favor again for my reopened claims and stated that there is nothing more they can do to help me. Below is a list of my claims that were not ruled in my favor. Any help or further investigation would be greatly appreciated as it has been stressful dealing with Chase bank and I feel like Im not getting the help, attention, nor service I need. 

-Claim XXXX : Filed XX/XX/2022. Description : XXXX XXXX XXXX XXXX XXXX Amount : {$500.00}. Chase Claim Reference number : # XXXX -Claim XXXX : Filed XX/XX/2022. Description : XXXX. Amount : {$3000.00}. Chase Claim Reference number : # XXXX -Claim XXXX : Filed XX/XX/2022. Description : XXXX. Amount : {$3100.00}. Chase Claim Reference number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC
State: MD

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

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, 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 Federal grand jury.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
There is an inquiry on my XXXX credit report from Navy Federal I didn't submit an application for this. I called them but they failed to fix this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
REOCCURING VIOILATION Capital One Credit.deliberately fails to report " ACCUATE '' balance informtion on my XXXX XXXX XXXX credit report. On XX/XX/2022, my balance was {$330.00}, On XX/XX/2022, a payment in the amount of $ XXXX made and posted to my account on XX/XX/2022. As of XX/XX/2022, was {$160.00}. On XX/XX/2022, according to the Capital One automated system, my balance was {$160.00} and a payment for the amount {$160.00} was made on XX/XX/2022 confirmation code : XXXX. As of XX/XX/2022, my balance should be ZERO!!!! Instead Capital One Credit generated a statement stating my account balance was $ XXXX be paid by the XX/XX/2022. Capital One Credit violates Truth in Lending Practices and Fair Credit Reporting. I should not have had to pay {$2.00}. On XX/XX/2022, the pay of {$2.00} was paid and posted to my account. On XX/XX/2022, According to my Chase Journey Credit Report, Capital One Credit states my balance is {$330.00}. The information is incorrect and I am demanding Capital One Credit correct the in accurate information IMMEDIATELY. Also, notify the other credit reporting agencies of the correction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06 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: AR

Complaint narrative:
In accordance with Fair Credit Reporting Act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have notices accounts on my consumer report that should not be furnished. I have done some research and have provided all the proper documents to have these accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation