vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 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: TN

Complaint narrative:
I have sent letters into experian, XXXX, & XXXX. the letters are attached with the dates that they were sent via certified mail. These three bureaus have yet to update my credit report and remove these negative items.

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 2022-02-03 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: TN

Complaint narrative:
I have sent letters into XXXX, XXXX, & transunion. the letters are attached with the dates that they were sent via certified mail. These three bureaus have yet to update my credit report and remove these negative items.

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 2022-02-03 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: TN

Complaint narrative:
I have sent letters into XXXX, equifax, & XXXX. the letters are attached with the dates that they were sent via certified mail. These three bureaus have yet to update my credit report and remove these negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: MN

Complaint narrative:
Attached to this complaint is a XXXX XXXX Police Report for proof that the following accounts and credit inquiries listed on my XXXX and Experian credit report are fraudulent and is the result of identity theft : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX. All of the accounts and credit inquiries are fraudulent, unauthorized and not my accounts or credit inquiries. Please review the attached XXXX XXXX Police Report. Police Report Case Number : XXXX. Please keep the attached police report on file.

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I previously dispute inaccurate and incomplete bankruptcy entry on my credit report, Experian refuse to correct inaccuracies in my report regarding Bankruptcy entry. It is a direct violation of FCRA for the Experian to not disclose the furnisher of information. The entry of I Attached the letter from the Bankruptcy court that explicitly details that they do not furnish any information to credit bureaus. I Experian must delete the bankruptcy for violation of FCRA Section 1681i ( a ) ( 1 ) ( A ). Under FCRA I Have right to maximum accuracy as the law states : " reasonable procedures to assure maximum possible accuracy '' but Experian does feel that they are above the law. So instead of deleting the entry, Experian double down on not deleting. I want this bankruptcy deleted from my credit report because Experian violate the law. 
Experian is also reporting the Bankruptcy court as the furnisher of information which is false because the court does not furnish the information. Experian must delete this information for willful violation of FCRA.

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 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UPGRADE, INC.
State: TX

Complaint narrative:
This alleged debt that XXXX XXXX XXXX is claiming that I owe is showing up on my credit report as charged-off by UPGRADE INC the original creditor allegedly. I looked up under that and XXXX XXXX XXXX is posting a collection for the same amount for UPGRADE INC, Which make this reporting inaccurate and false and deceptive because UPGRADE INC, charged-off this debt and took a right off. Meaning they basically canceled the debt. UPGRADE IINC, also filed a claim a claim with their insurance company to offset the alleged loss. After that UPGRADE INC, then sale the alleged debt to abandoned paperwork to XXXX XXXX XXXX and now they are trying to implicate that the account turned over to an innocent purchaser for value which is a violation of 15 u.s.c 1692e ( 12 ). The amount of {$2600.00} is in the positive form instead of in negative form which is false representation of an amount an a violation of 15 u.s.c 1692e ( 2 ) ( a ). Because of these actions the liability no longer exists an XXXX XXXX XXXX or UPGRADE INC, can no longer report this alleged collection or charge-off to the Bureaus causing me a financial injury and defamation of character Security finance I Never signed a contract with you for you to have and share my information which is also identity theft, nor did I give UPGRADE INC , permission to sell my information to you I am demanding to remove these items off my credit report or cease and Desist all communications with this alleged debt from any reporting agency Bureau or any other collection company, also of all medium. 
XXXX XXXX XXXX  is in violation of 15 U.S.Code 1692d ( 1 ) for posting this inaccurate information on my consumer report harming my reputation In violation of 15 U.S.Code 1692b ( 2 ) for stating I the consumer owe a debt IN VIOLATION OF 15 U.S.Code 1681b ( 2 ) never gave XXXX XXXX XXXX WRITTEN CONSENT TO FUNISH INFORMATION INVOLVING A COLLECTION A COLLECTION OF ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: NM

Complaint narrative:
Enhanced Recovery Company is in federal violation of 15 USC 1681, violation 15 USC 1692b. ( 2 ) and violation 15 USC 1692d

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I am a victim of identity theft .This collection are aware that these accounts are result of identity theft because i have provided my FTC affidavit, my police report. 


Fidelity XXXX XXXX XXXXXXXX I never had any services with XXXX XXXX XXXX I have provided my fraud package and never got a response and they keep verifying this fraud to the credit bureaus. 


I sent my police report and my FTC affidavit that i received from the Federal Trade Commission Certified mail copies enclosed and havent heard back from this agencies. They have caused me great damage and embarrassment also with emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-02-03 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: GA

Complaint narrative:
On XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I disputed an account with XXXX XXXX that's listed on my credit. I have stated each time that the account doesn't belong to me and the account has just been updated. There has been no resolution and it's hindering me from buying a house for my family. The name on the account isn't my name. I have filed a police report showing that I don't know who opened the account and it needs to be removed immediately.

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 2022-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Patch Homes, Inc. dba Noah
State: CA

Complaint narrative:
Straight flat-out blatantly discriminated against by XXXX, and it's XXXX employee senior underwriter ( XXXX ). Systemic institutional XXXX, and XXXX inequality business practices reared it's ugly head with blatant lies, bait, and switch misrepresentation taking place in the underwriting of my application process. The XXXX discrimination being performed by XXXX senior underwriter ( XXXX ), and her team members despite me being XXXX American, and having successfully concluded their document underwriting process, and paying in advance for the XXXX XXXX company only for XXXX discriminatory inequality business practices to rear it's ugly head, because I requested that I be assigned an more experienced qualified XXXX due to the age, and type of property that I have... which is my right as a consumer seeing that I paid the appraisal payment directly to the management company. Throughout the WHOLE document underwriting process i was being unprofessionally interacted with by ( XXXX ) the underwriter to include lies, bait, and switch misrepresentation in policy, and procedure... being contacted with phone calls from her from several different XXXX XXXX  phone numbers, and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously dispute inaccurate and incomplete bankruptcy entry on my credit report, Transunion refuse to correct inaccuracies in my report regarding Bankruptcy entry. It is a direct violation of FCRA for the XXXX to not disclose the furnisher of information. The entry of bankruptcy on my report is inaccurate. I Attached the letter from the Bankruptcy court that explicitly details that they do not furnish any information to credit bureaus. I disputed with Transunion. Transunion must delete the bankruptcy for violation of FCRA Section 1681i ( a ) ( 1 ) ( A ). Under FCRA I Have right to maximum possible accuracy as the law states : " reasonable procedures to assure maximum possible accuracy '' but Transunion does feel that they are above the law. So instead of deleting the entry, XXXX double down on not deleting. I want this bankruptcy deleted from my credit report because Transunion violate the law.

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 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent dispute notices for multiple accounts to XXXX, XXXX & transunion in XXXX of 2021 after I received a reply back stating that all accounts were accurate I sent in proof showing that each accounts were reporting inaccurate information. I was the. Told that it was still accurate on XX/XX/XXXX I sent a request to the bureaus asking who and how each account was verified since this is my right as a consumer I was advised that they dont have to reinvestigate any dispute. I never asked them to reinvestigate I simply asked them to provide me with the name and number of the person or persons that validated that the accounts were accurately reporting. The credit bureaus have repeatedly ignored my request and will not remove these accounts that are inaccurate, this is hurting not only my credit score but it is hindering me from living the life I deserve.

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 2022-02-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent dispute notices for multiple accounts to experian, XXXX & XXXX in XXXX of 2021 after I received a reply back stating that all accounts were accurate I sent in proof showing that each accounts were reporting inaccurate information. I was the. Told that it was still accurate on XX/XX/XXXX I sent a request to the bureaus asking who and how each account was verified since this is my right as a consumer I was advised that they dont have to reinvestigate any dispute. I never asked them to reinvestigate I simply asked them to provide me with the name and number of the person or persons that validated that the accounts were accurately reporting. The credit bureaus have repeatedly ignored my request and will not remove these accounts that are inaccurate, this is hurting not only my credit score but it is hindering me from living the life I deserve.

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have repeatedly told credit agencies for years I have never lived at XXXX XXXX XXXX XXXX, XXXX XXXX this has been going on for over 10 plus years now and I am quiet frankly sick of it. I have lived in the state of Georgia since the day I was born I have never lived in another state. I have enough paper trail that in court of law would prove I have always lived in Georgia and no where else!!!! Almost XXXX  year Ga resident no other state!!!!!!!!!!!!

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 2022-02-03 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently reviewed my credit report and found that one account balance is being reported incorrectly. The account balance being reported incorrectly is XXXX account ending in XXXX. The correct balance is {$200.00}. I contacted XXXX XXXX XXXX and was given the attached letter and told to contact the credit bureaus to have them update the account to reflect the correct information. I have attached the letter from XXXX to this 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 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I had created a payment plan with Midland Credit Management ( or may be Midland Funding ). I sent checks via my BillPay in the amount of {$56.00}. I requested that my bank close the bank account used to consolidate to one checking account and canceled the BillPay. On XX/XX/22 I see a transaction of {$56.00} Check # XXXX. This is NOT something I sent out or authorized and I have had no communication about this. 

Midland used my account number and routing number from previous checks to create their own check and submit to my bank for payment. This is overreach and honestly, seems illegal. Plus, then, it reactivated an account I do not use, causing a NSF fee. 

My bank told me to contact the company and I did, but they acted like it was business as usual. I requested to cancel my payment plan. It is NOT okay for a company to access my bank accounts at their whim and use my information when I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX and USAA Managers, After your response, I have decided to file a small claims lawsuit against USAA in this matter. 
I am waiting on responses from the following places before filing : 1 ) XXXX XXXX XXXX 2 ) The Texas Attorney General 's Office 3 ) The Consumer Financial Protection Bureau 4 ) Office of the Comptroller of the Currency XXXX ) Federal Deposit Insurance Corporation 6 ) Federal financial Institutions Examinations Council 7 ) Federal Reserve Consumer Complain Line 8 ) Texas Dept. of Banking I have been a faithful member of USAA for more than 20 years, since I was in high school. My mother is a longtime USAA member and so are several family members and longtime friends. I've never had any issues with USAA until now. 

For you and your bank to make a decision to suspend my transfers for SIX MONTHS ( not a month -- not a week ) without investigating WHY and not giving notice beforehand is unacceptable. 

I explained previously that I was expecting a deposit into my XXXX  XXXX account and attempted to transfer funds to and from that account. It is MY ACCOUNT. 
your email explained that there were 4 transfers that were all declined and that is correct. 
But to SUSPEND transferring funds in and out of my account for SIX MONTHS is absurd for several reasons. 

1 ) I was NEVER given any email or notification that if there were transfers not going through, that my account would be suspended to where I can't transfer. I'm not even able to use XXXX, XXXX, XXXX XXXX or any transfer as a result of your decision. 

2 ) Both USAA AND XXXX XXXX charged me NSF fees for EACH transaction. 

Again -- I'm filing a lawsuit IMMEDIATELY once I get responses from the agencies. 
This is an unacceptable response to my questions. At this point, I dont care what is laid out in any rules. 
You should have taken into account that this was never done before, these transactions were between accounts that belonged TO ME, and I was not given any notice prior. 

I plan to take this as far as needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently reviewed my credit report and found that one account balance is being reported incorrectly. The account balance being reported incorrectly is XXXX account ending in XXXX. The correct balance is {$200.00}. I contacted XXXX XXXX XXXX and was given the attached letter and told to contact the credit bureaus to have them update the account to reflect the correct information. I have attached the letter from XXXX to this 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 non-monetary relief