vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: MA

Complaint narrative:
I recently obtained a credit report and discovered that the three credit reporting agencies, Experian, XXXX, and XXXX, are all erroneously reporting my information. 

My date of birth, Name, Address, as well as my employment are all being reported incorrectly. 

Account # XXXX from XXXX XXXX XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to Experian, XXXX, and XXXX. 

Account # XXXX from XXXX  XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to Experian, XXXX, and 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 2023-03-02 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-03-02 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: SC

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from XXXX another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear PayPal, I am writing to you today to address a grave issue that has recently come to my attention. My identity information has been stolen, and it is being used to sign up for unauthorized PayPal accounts. I am writing to report this issue, and I hope that you will take immediate action to rectify this situation. 

I would like to start by stating that I only have one PayPal account, which is registered under the email address " XXXX '' and phone number " XXXX ''. I detected unauthorized access to my PayPal account on Fri, XXXX XX/XX/2022, and I immediately reported this to PayPal. I take my security seriously, and I wanted to ensure that my account was safe from any malicious activity. 

I am now asking PayPal to investigate the unauthorized creation of PayPal accounts using my stolen identity information. If it is found that these accounts have been created without my consent, I request that the permanent limitation on my account be lifted. I am currently using a VPN to access my PayPal account as I am not in the US, but I would be more than happy to provide my real location if PayPal requests it. 

I would like to emphasize that this situation has caused me great concern, and I hope that you will take the necessary steps to ensure that my account and personal information are secure. I appreciate your attention to this matter and look forward to hearing back from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: EQUIFAX, INC.
State: UT

Complaint narrative:
In Accordance with the fair credit reporting act Collections account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that i have right to my privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Hard Inquiry Attempts with FTC Report and still not removed as of XXXX XXXX requests for 2 hard inquiry removals and Equifax had all documents and FTC reports that needed to delete. The confirmation # s given to me by representatives were assuring me the inquiries were removed. 100 % not true!! XXXX XXXX XXXX confirmation # XXXX XXXX - XXXX from fraud lightly hung up on me while requesting the inquiry removals XXXX XXXX confirmation # XXXX XXXX XXXX XXXX XXXX - XXXX confirmation # XXXX XXXX XXXX XXXX - XXXX confirmation # XXXX XXXX - XXXX confirmation # XXXX then hung up on me when I asked again about blocking accounts due to identity theft as hasnt been done yet and has been a year. 

XXXX XXXX XXXX - XXXX hung up on me when I asked again about blocking accounts due to identity theft which hasnt been done yet and has been a year. 

XXXX The XXXX hard inquiries to be removed are 1 ) XXXX on XXXX and 2 ) XXXX XXXX on XXXX. Again, the FTC report is attached as I am a victim of Identity Theft. 

There is no excuse for this Equifax needs to be held accountable and theyre not. It came to my attention that I had a mixed file with Equifax up until XX/XX/2022 so the fraud alert I placed on all three credit bureaus didnt appear on the updated combined report for Equifax XXXX XX/XX/2022. These inquiries occurred after I placed fraud alerts with all three credit bureaus on XX/XX/2022. Remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have tried to correct this false information that is being reported as mine by this company twice on XX/XX/2023 twice on XX/XX/2023 one on XX/XX/2023. This company has failed multiple times to remove the incorrect addresses listed on my credit file. This company has failed me as a private consumer and continues to report false and damaging information on my credit file. I have sent letters to this company I have called this company and I have submitted several complaints about this company through this website and minimal action has been taken to protect me a a private consumer or to correct to false information on my credit report. If this company fails to address this issue again I believe I will have no other choice but to take legal action against them to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
This account that National Credit Adjust is reporting is not mine and I have no knowledge of this account please cease & desist immediately. I will go the proper routes to further dispute & investigate potential fraud. 

I was alerted today XX/XX/23 of this account on my credit profile in the unpaid amount of {$5400.00} and I have disputed it with the credit bureaus & filed this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I received a phone call from XXXX at XXXX today. The person on the other end of the phone identified himself as XXXX from National Credit. When I asked him for his supervisor 's name, he hung up on me. I looked up the phone # on XXXX and found it is actually for the XXXX XXXX in XXXX MO. I believe the person calling is either using fraudulent tactics to obtain information and/or money from me ~or~ is at the very least illegally disguising their phone # if they actually do work for National Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I received a collection letter from ONLINE information services regarding an account opened in XXXX not paid with XXXX XXXX Texas XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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:
In 2022, someone stole my identity and opened an account with XXXX XXXX. The balance was sent to a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We filed a police report in XXXX of 2022 and did the required paperwork from XXXX XXXX. At that time, the other credit bureaus had it removed, but Experian did not. We recently found out that the fraud is still on our credit report with Experian, and filed a dispute, but they refused to remove it. 
Today we called XXXX XXXX who told us they had it removed from the credit collection agency, but they refused to do anything else about it. We called the credit collection agency, who said the debt is still valid and was not removed by XXXX XXXX. They hung up on us and wouldn't tell us anything else. 
Experian, XXXX XXXX, and the collection agency will not help us have this removed and we are trying to buy a house.

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 2023-03-02 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accuracy of the following accounts that appear on my credit report. I believe these accounts are in violation of the following laws : FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, FCBA. 

The following accounts are inaccurately reported on my credit report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. I have attached supporting documentation for your reference. 

These inaccurate accounts have caused me significant emotional distress and financial hardship. I urge you to take swift action to rectify this situation and remove these accounts from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: SC

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting 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 2023-03-02 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: SC

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from XXXX another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TX

Complaint narrative:
Please see the XXXX prior complaints. They simply copied and pasted the reports and did not do any research. I asked for a thorough investigation and proof and they didnt provide that. This has caused me sleepless nights and stress and I feel like Im not being listened to i have XXXX negative accounts on my report that have not been validated. You need information and need to know who the credit bureaus spoke to i ask for this and they did not provide me anything

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 2023-03-02 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: GA

Complaint narrative:
I have had my Capital One Mastercard for many years. I admit I have missed some due dates but I have never been 30+ days over making a payment. I have always paid either the amount due or a few dollars over the amount due but never less. I have been unfairly charged on my credit report of not paying {$10.00}. If I have paid the amount due on each bill, how am I short {$10.00}? They also have charged me a late payment fee which is fine because I have missed the due date, but this company can not charge me this fee and make me pay it as part of my balance. My balance consists of charges I made making purchases using the credit card. I pay my monthly bill based on those charges and my payment due should not include the late fee. That is not a charge I incurred during a purchase at a retailer when buying merchandise or services. They are making their customers pay these fees as part of their monthly payment due. They are also charging this fee when it is convenient. There have been times where I missed the due date but paid the bill before the next statement was cut and there was no late payment fee. This is inconsistent practices that the consumer should not have to bear the consequences for. Because of this practice, they unfairly marked my account as past due for 2 months and caused my credit scores to drop. My payment history has always been 100 % paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I recently pulled my credit report to find that LVNV funding was listed as a collections with all 3 bureaus. I havent received any paperwork or phone calls from this company regarding any balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: MA

Complaint narrative:
I recently obtained a credit report and discovered that the three credit reporting agencies, XXXX, TransUnion, and XXXX, are all erroneously reporting my information. 

My date of birth, Name, Address, as well as my employment are all being reported incorrectly. 

Account # XXXX from XXXX XXXX XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to XXXX, TransUnion, and XXXX. 

Account # XXXX from XXXX  XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to XXXX, TransUnion, and 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 2023-03-02 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I recently obtained a credit report and discovered that the three credit reporting agencies, XXXX, XXXX, and Equifax, are all erroneously reporting my information. 

My date of birth, Name, Address, as well as my employment are all being reported incorrectly. 

Account # XXXX from XXXX XXXX XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to XXXX, XXXX, and Equifax. 

Account # XXXX from XXXX  XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please XXXX and remove it.

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 2023-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: MA

Complaint narrative:
We have been trying to work with BSI Financial for several years to resolve our Mortgage issue, communication with this company has been extremely difficult. We have paid several different agencies to help us including XXXX XXXX and XXXX XXXX. BSI is very difficult to work with. We have made over XXXX i. Payment to BSI over the past year and they are showing we have made XXXX payments. We have tried to work on loan modifications etc. 
Now we have a foreclosure sale pending for the XXXX of XXXX, we have lived in our home for 31 years and do not want to loose it.

Company response to consumer: Closed with explanation