vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-10 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: NY

Complaint narrative:
In accordance with the fair credit reporting act ( US CODE SUB CHAPTER 3, 15 USC, 1681, section 604-A ) The list of accounts below has violated my federally protected consumer rights to privacy, and confidentiality under 15 usc 1681 : XXXX XXXX account, account closed XX/XX/2015 ( XXXX ), XX/XX/2015 ( 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 2022-12-10 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have 3 late payments on my credit that are incorrect. I have 2 late payments from XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX. I have 1 late payment from BARCLAYS BANK DELAWAREXXXX. These are incorrect and the bank companies told me it has been removed. It still shows on my credit report as a late payment.

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 2022-12-10 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: PA

Complaint narrative:
I have made a dispute with Experian Credit Bureau and XXXX XXXX, with regards to removing a collection agency named, XXXXXXXX XXXX XXXXXXXX. The account they are trying to collect a debt with is closed and XXXXXXXX XXXX XXXX does not have a license to collect a debt in the state of New Jersey. 

This collection agency has a license to collect a debt in 13 states and NJ is not one of them. This is against The Debt collection law guidelines in NJ.

I have recently submitted another request to remove this debt with Experian and XXXX XXXX once again. I would like this collection account removed from my report, please.

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 2022-12-10 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: OH

Complaint narrative:
I disputed some items on my credit report and didn't receive a response

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 2022-12-10 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: PA

Complaint narrative:
I have made a dispute with XXXX Credit Bureau and Trans Union, with regards to removing a collection agency named, XXXX XXXX XXXX The account they are trying to collect a debt with is closed and XXXX. XXXX XXXXXXXX does not have a license to collect a debt in the state of New Jersey. 

This collection agency has a license to collect a debt in 13 states and NJ is not one of them. This is against The Debt collection law guidelines in NJ. 

I have recently submitted another request to remove this debt with XXXX and Trans Union once again. I would like this collection account removed from my report, please.

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 2022-12-10 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: OH

Complaint narrative:
The following accounts listed in this report are not mine. I have never done any business with or heard of this company. XXXX XXXX or the medical account listen on my credit report. I have tried to resolve this with the credit bureaus. I demand immediate removal and accounts blocked from both of these accounts from ever reporting in the future or being sold to any other illegal third party. Also, the law states any medical debt reporting is a hippa violation and must be removed. I'm a victim of identity theft my personal information was stolen due to the XXXX and XXXX data breach as well as the XXXX. My information was also found on dark web names listed on my report and address, not mine. Failure to comply and remove these accounts will result in a lawsuit and XXXX per violation. I demand the removal of these accounts immediately as the law states all information must report accurately and truthfully. This is defamation of my character and has caused my score to drop demand removal and blockage. 
remove these accounts immediately. 
I have also attached an FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: CA

Complaint narrative:
RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT WHICH CAUSED SEVERE XXXX UPON ME AND FOUND UNVERIFIABLE, INVALIDATED AND QUESTIONABLE ITEM THAT YOUR AGENCY DID NOT MAKE SURE IT WAS REPORTING 100 % CORRECT. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT UNDER 15 U.S COURT 1681e ( b ) AND 15 U.S CODE 1681i ( 5 ) THIS ACCOUNT IS VIOLATION OF NOT REPORTING 100 % ACCURATE RESOLUTION : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and deleting the account that listed on my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a federally protected consumer and conducted a consumer credit transaction with Capital one Auto finance and XXXX XXXXXXXX XXXXXXXX XXXX XXXX. 15 USC 1605 states The finance charge is the sum of all charges and I was charged illegal additional fees including a down payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Contacted credit company about reporting Inaccurate information, company has not reported in 3 month which is hurting my credit. I have disputed this account multiple time and has can back as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE IN ERROR AND IN FACT CAUSE OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WERE OPENED ILLEGALLY ALONG WITH SOME MALPRACTICE TAKEN BY THE CREDITOR AND CREDIT REPORTING AGENCIES. XXXX XXXX
Account XXXX XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX
Account XXXX XXXX  Date Opened XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account XXXX XXXX
Date OpeneXXXX XXXX XXXX XXXX
Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccounXXXX XXXX XXXX
Date Opened XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-10 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: NY

Complaint narrative:
In accordance with the fair credit reporting act ( US CODE SUB CHAPTER 3, 15 USC, 1681, section 604-A ) The list of accounts below has violated my federally protected consumer rights to privacy, and confidentiality under 15 usc 1681 : XXXX XXXX account, account closed XX/XX/2015 ( TransUnion ), XX/XX/2015 ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10 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: NY

Complaint narrative:
In accordance with the fair credit reporting act ( US CODE SUB CHAPTER 3, 15 USC, 1681, section 604-A ) The list of accounts below has violated my federally protected consumer rights to privacy, and confidentiality under 15 usc 1681 : XXXX XXXX account, account closed XX/XX/2015 ( XXXX ), XX/XX/2015 ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I am the original creditor. See Hurds Rev Stat Chap 32,36.

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action.

U.S. Homeland Security and Border Protection Cop-06-00039 - geodetic survey blood right heir ( royal trust ) 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation.

15 USC 1692 congressional declaration of purpose.

House Joint Resolution 192!!!

In accordance with the fair credit reporting act The principal debtor is responsible.

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

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

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation.

15 USC 1692 congressional declaration of purpose. 

XXXX XXXX XXXX XXXX!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

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

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation.

15 USC 1692 congressional declaration of purpose. 

XXXX XXXX XXXX XXXX!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

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

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Contacted credit company about reporting Inaccurate information, company has not reported in 3 month which is hurting my credit. I have disputed this account multiple time and has can back as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I purchased my home in XXXX with a fixed rate conventional mortgage loan for an amount of {$150000.00}. My mortgage has been sold multiple times from XXXX XXXX, to XXXX XXXX, XXXX XXXX and now Select Servicing Portfolio ( SPS ). It is currently XXXX and according to SPS my principal balance with over 15 years of timely payments is now {$150000.00} and my principal continues to increase every year even though I'm current on my mortgage. I would like to have my mortgage account audited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am the original creditor. See Hurds Rev Stat Chap 32,36. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( XXXX ) the principle amount of such obligation is stated in the obligation and ( XXXX ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose. 

House Joint Resolution 192!!!

In accordance with the fair credit reporting act The principal debtor is responsible.

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

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

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Every time my mortgage company sells my mortgage it reports to the credit bureaus as a closed account. My credit score drops XXXX to XXXX points every time they do this. It has happened three times this year. I contacted Trans Union to file a dispute about the fact that they are calculating my credit score based on my mortgage company involuntarily selling my mortgage to other mortgage companies. This is not my fault and should not impact my credit score. When the new mortgage reports, my scores do not go back up. Trans Union refused to consider my dispute and hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: OK

Complaint narrative:
I work for XXXX XXXX and I opened a XXXX XXXX XXXX account on Wednesday XX/XX/XXXX in order to receive my XXXX XXXX earnings faster with their instant pay option. On Friday XX/XX/XXXX, 2 days after signing up I began getting notifications about unauthorized transactions that were being made from my account. I contacted customer support and informed them of the transactions. They suggested I lock my card on their app, however since I had not yet received my card in the mail or activated the card on their app, I had no option to lock the card. I was told that they would lock the account for me while they investigated. Somehow, someone who I believe is associated with their app/company, got into my account and changed my phone number in order to get a hold of my virtual card number. They added it to their XXXX XXXX, and used it to make XXXX large purchases. I do not have any XXXX  Devices and do not have an XXXX  XXXX  account, nor have I ever, I only use Android devices. Saturday morning XX/XX/XXXX I noticed that XXXX more unauthorized transactions had gone through and again I contacted customer support. They cancelled the virtual card, which they should have done when I called the night before, and issued a new card. However the new card number was somehow " accidentally '' sent to the same XXXX XXXX account that has been stealing from me by the XXXX XXXX support team, facilitating more theft from my account. I would like to point out the fact that their app says that XXXX XXXX transactions are not protected, which is convenient for them if they are using XXXX XXXX to steal from their customers. My account has gone from a balance of {$500.00} to negative - {$190.00}, around {$700.00} total fraudulently used. I have contacted support several, several times and spent hours on the phone with them to get no help at all. They refuse to let me close the account even though I have specifically asked for the account to be closed multiple times. They have refused to transfer my call, repeatedly hung up on me, ended support chats abruptly, and basically refused to provide any real help or stop the unauthorized transactions from continuing. The fact that they won't assist in closing the account or stop the unauthorized transactions, raises concern that they are the ones behind the scam. Also the fact no one else could have accessed my info other than an employee, and that they know to use XXXX XXXX to try to avoid company liability is a big indicator that it is an inside job. 

Transactions XX/XX/XXXX - XXXX XXXX - {$260.00} XX/XX/XXXX - XXXX - {$210.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$8.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$3.00} XX/XX/XXXX - XXXX - {$9.00} XX/XX/XXXX - XXXX - {$210.00} ( somehow charged twice ) Total of unauthorized charges {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE IN ERROR AND IN FACT CAUSE OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WERE OPENED ILLEGALLY ALONG WITH SOME MALPRACTICE TAKEN BY THE CREDITOR AND CREDIT REPORTING AGENCIES.

XXXX XXXX
AccounXXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX
Balance XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
AccounXXXX XXXX XXXX
Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXate Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

XXXX  
Account XXXX XXXX
Date Opened XXXX XXXX XXXX
Balance - XXXX XXXX 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 non-monetary relief