vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 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: CT

Complaint narrative:
n XXXX-and XXXX of the year XXXX my credit account had become past due with XXXXXXXX XXXX XXXX, However I have no memory of nor record of the bank ever trying to contact me to let me know my account was severely past due, and since disputing the matter with them through Experian, the bank has made no attempt to provide me any backup that they did try to contact me to let me know my account had been past due, and was not on auto pay. I at the time had another account with XXXX that was on autopay and was being paid on time and in full every month, so in my checking accounts, I was seeing a withdrawal to XXXX and had no indication that the account was past due. The Bank again, made no attempts that they've been able to provide proof of that they attempted to contact me at that time to let me know my account was 30 60 and then 90 days Late. And when I finally became aware of the mistake, I corrected it promptly. I've asked the institution to both provide proof of the lateness and the attempt to contact me, and asked for leniency in the matter considering both the fact that this was at the beginning of the COVID 19 pandemic, and that they failed to alert me, however on all atempts to resolve this matter between us they have failed to provide anything other then generic and cryptic responses, with no backup, just a promise that " and investigation '' had been conducted. I ask that CFPB please ensure XXXX knows that I am both entitled to a detailed response with investigative evidentiary proof and that if they can not provide this that they must remove this blemish from my credit files.

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 2022-08-21 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: GA

Complaint narrative:
I disputed incorrect information on on 2 separate occasions waited the 30 days and did not receive a reposonse at all. One account was removed from my file and placed back on without any type of notice. My rights have been been violated as per the Fair Credit Act

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 2022-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: KY

Complaint narrative:
This debt is on my credit report and I do not owe this company any money nor have I received any type of correspondence or mail about this debt. There is no written contract between myself and this debtor that I owe them this amount of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 non-monetary relief
Consumer complaint received 2022-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy federal declined my fraud claim of XXXX dollars from XXXX. I told them I did not authorize these transactions and that no error was made in an attempt of a fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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:
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 USC 1681. 1. 

1. XXXX XXXX XXXX XXXX  # XXXX 2.XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4.XXXX XXXXXXXX # XXXX has violated my rights. 



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

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: MD

Complaint narrative:
I applied for a XXXX XXXX XXXX XXXX XXXX XXXX with a company called XXXX, around the XXXX of XXXX, 2020, I received report under back ground check and consumer Agency that I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) ISSUED DATE 2020 DISPOSITION XXXX DISPOSITION DATE XX/XX/2020 POINTS XXXX THAT IS ERRONEOUS... I DO NOT NOR HAVE I EVER XXXX  NOR WAS MY LICENSE EVER SUSPENDED, AS A RESULT, I AM BEING DENIED WORK UNDER ADVERSE REASONING, NOT TO MENTION THE EMBARRASSMENT AND AGGREVATION THIS HAS CAUSED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: FL

Complaint narrative:
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 USC 1681. 

1. XXXX bank # XXXX 2. XXXX XXXX XXXX XXXX # XXXX has violated my rights. 


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

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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.

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 2022-08-21 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 non-monetary relief
Consumer complaint received 2022-08-21 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: FL

Complaint narrative:
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 USC 1681. 


1.XXXX bank # XXXX has violated my rights. 

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

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681 c ( 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.

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 2022-08-21 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 non-monetary relief
Consumer complaint received 2022-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certified Services, Inc.
State: IL

Complaint narrative:
My credit score was adversely affected by a report from Certified Services , Inc, XXXX XXXX XXXX, XXXX, Illinois XXXX ( XXXX ) XXXX Fax ( XXXX ) XXXX collecting for XXXX XXXX  XXXX XXXX XXXX bill from XXXX for {$260.00}. I provided bank information showing that I had paid that amount to XXXX XXXX XXXX, but they refuse to remove the complaint from my credit report. I am also fighting this complaint with XXXX and with the office of the attorney general in Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: FL

Complaint narrative:
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 USC 1681. 


1. XXXX XXXX XXXXt # XXXX has violated my rights. 



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

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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.

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 2022-08-21 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: FL

Complaint narrative:
XXXX XXXX XXXX has begun reporting under my personal credit report beginning in XX/XX/2021 a commercial loan which is owned by an LLC. This LLC is then owned by a real estate holding company which holds all my real estate holding nationwide. I have disputed this with the company and with the credit bureau twice. 
The deed and bill of sale clearly show the owner of the property which is not me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: FL

Complaint narrative:
XXXX XXXX XXXX has begun reporting under my personal credit report beginning in XX/XX/2021 a commercial loan which is owned by an LLC. This LLC is then owned by a real estate holding company which holds all my real estate holding nationwide. I have disputed this with the company and with the credit bureau twice. 
The deed and bill of sale clearly show the owner of the property which is not me personally.

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 2022-08-21 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: WA

Complaint narrative:
I am a natural person, im a living human being, and i have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. AND THEY VILOATED MY RIGHTS NUMEROUS TIMES. 
I Demand these accounts listed below be remove becasue ACCORDING to 15 USC 1681 : I have the right to privacy and I DID NOT give written permission to equifax to furnish these accounts... 

Accounts : # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE Re ; Fraudulent credit line cash advances This credit card authorized cash advances without my for knowledge or me being aware I paid for things and cash advances due to having my Fidelity account linked to the capital one account and XXXX XXXX card. Ones realizing this they closed my accounts denied me access to them then continued to charge me interest and forbearance charges in principle mounting the total to an astronomical sum. 

I need this to be vindicated and resolved they changed the original card numbers ending in XXXX and XXXX to other cards said they sent new ones without even asking me then retracted and said they closed the accounts I disputed everything they made a decision in less than 24 hour when there policy is 60-90 days. 

I distrust there disputes and am complaining due to being lied to by 7 agents saying 7 different things about the same questions I asked over and over. 

Amount both credit card {$540.00} cash advances and interest charges. Not missed payments. 





Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: AL

Complaint narrative:
I just received my investigation results and saw some accounts were verified. However, I have a few questions : How do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. Also, I have included proof of inaccuracies with a copy of an inaccurate credit report. At this point, you are knowingly violating the Fair Credit Reporting Act and my consumer rights. One more thing, i was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any small claims action. I am also including a copy of my complaint to the following organizations : CC : XXXX XXXX Assistant Director of EnforcementConsumer Financial Protection BureauXXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : State Senate CC. Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission XXXXC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-21 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland credit management , XXXX had a open closed case with me and is report Three accounts to all three credit reporting agency XXXX, XXXX and XXXX that was voluntary dismissal WITHOUT prejudice. This has affected me where as i could not get a refinance loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
I was in my XXXX credit report website where I saw an unfamiliar activity of a credit collections agency and I also received a statement in the mail from Sunrise Credit Services Inc XXXX. I called them to tell them this is not my bill ( I got hacked identity theft/fraud ) and they in turn gave me a fraud department phone number to the creditor XXXX  XXXX with reference number XXXX XXXX  Account # XXXX balance due as of XX/XX/2021 amounting to {$1800.00}. I was told by them to send two statements as proof of identity. I sent them attachments of my XXXX XXXX XXXX  and checking account statements to XXXX between the dates of XX/XX/2021 closing XX/XX/2021 as proof of my identity per their request. I received a phone call from them stating they never received such attachments that it was gone. 
I would like this resolved and removed from my credit report bureau 's XXXX, XXXX XXXX XXXX. I worked hard to establish a very good credit rating.

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