vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple phone calls and written attempts to contest hard inquiries, the following inquires remain and/or ( keep reappearing ) on my credit report and it has been more than 60 days. The following inquires have been made fraudulently and against my authorization. Please delete them immediately. Ive attached my DL and a utility bill as proof of my identity. The inquiries in question are as follows : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks Auto Financing XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Sales Financing XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX  XXXX, XXXX. 
Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Sales Financing XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-12-01 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: IL

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 15 USC 1681. 

XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX acct # XXXX has violated my rights XXXXXXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXXXXXX XXXX- acct XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX- # XXXX has violated my rights XXXX XXXX- acct XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX acct # XXXX has violated my rights US Dept. of education- acct # XXXX has violated my rights US dept of education- acct # XXXX has violated my rights XXXX acct XXXX XXXX has violated my rights XXXX XXXX- acct # XXXX has violated my rights XXXXXXXX XXXX acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX acct # XXXX has violated my rights XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX  - acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2022-12-01 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: IL

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 15 USC 1681. 

XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX acct # XXXX has violated my rights XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights XXXX XXXXXXXX XXXX- acct XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX acct # XXXX has violated my rights XXXX XXXX  acct # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights US Dept. of education- acct # XXXX has violated my rights US dept of education- acct # XXXX has violated my rights XXXX acct XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2022-12-01 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: CA

Complaint narrative:
My family lives in XXXX and when XXXX attacked XXXX I was obligated to fly to XXXX to save my family and help them run from there to not to die. 
The situation was horrible there, the building were my family was living was bombed. I was there for couple months to understand what to do and was not able to make any payments from there due to internet and service problems. The payments were not going thru. I went there in XX/XX/2022 and came back to XXXX at the end of XXXX XXXXI contacted XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX and explained my situation, but they were very rude and did not even want to listen what happened. This is discrimination against people who are in danger and war. It was not my fault that my payments did not posted from XXXX and they reported 30 days late remarks on my credit reports ruining my history and scores. 
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-12-01 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: TX

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with transunion to help my file. a lot of information is invalid an is hendering my file. please correct my credit report to 100 % accurate.

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 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I have filed numerous disputes with the credit bureaus about these collection accounts that are not mine. These companies keep hopping from credit bureaus to bureaus and reporting the informations that was already disputed and removed from the previous bureaus. Its already difficult enough as a identity theft victim but to constantly have to dispute the same information over and over is very unfair and difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/2022, XX/XX/2022, And XX/XX/2022 but the bureaus did not remove them. 

Sec. 602 I have a right to privacy XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/2022, XX/XX/2022, And XX/XX/2022 but the bureaus did not remove them. 

Sec. 602 I have a right to privacy XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
All the Complaints that was CLOSE stated due to DUPLICATE!!! This are not duplicate Complaints they refuse to Answer the complaint. So when they said Duplicate then Complaint was Close and could not be reopen. If they were duplicate they should have CUT and PASTE to show the duplication. They should have not been allow to just not answer and close the complaint.

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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
sent a XXXX or payment that was not shown on my statement not card ending in # XXXX card ending in XXXX is at issue

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 2022-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In XXXX of XXXX I started a payment plan with true record to start in XX/XX/2022. On XX/XX/XXXX I received a letter from a law firm, referencing the true record debt that I made a payment plan on. The letter references the payment excepted with regards to the payment arrangement. I made with true accord, and also references that I do not have a formal payment plan set up. The attached information states otherwise. I was not informed that the debt was sold and trick. Our currently reports to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation