vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have asked Equifax, XXXX, and XXXX that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXX/Bankruptcy Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the three credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered UNVERIFED.

I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: OH

Complaint narrative:
I have asked XXXX, XXXX, and Transunion that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXXBankruptcy Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the three credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered UNVERIFED.

I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.

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 2022-07-06 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
These accounts where fraudulently open without my consent I disputed these inaccurate accounts and the credit bureaus removed the information then a couple weeks later they readded unblocked the fraudulent accounts on my report and I need this resolved quickly I have sent in FTC report along with any and every other documents I have hade multiple time also its been over 90 days with no investigation results this fraudulent active is harmful to me and my family in a global pandemic and its stoping use from obtaining credit please have them re investigate it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax consumer reporting agency will not provide me with information about proof of an investigation into a late payment reported on a closed account I had with XXXX, Account # XXXX on XXXX of XXXX. I've contacted XXXX directly and they've also advised me that I've never had a late payment while my account was open from XXXX up until it closed. I am being denied credit that I know I am eligible for due to Equifax reporting inaccurate information. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts where fraudulently open without my consent I disputed these inaccurate accounts and the credit bureaus removed the information then a couple weeks later they readded unblocked the fraudulent accounts on my report and I need this resolved quickly I have sent in FTC report along with any and every other documents I have hade multiple time also its been over 90 days with no investigation results this fraudulent active is harmful to me and my family in a global pandemic and its stoping use from obtaining credit please have them re investigate 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 explanation
Consumer complaint received 2022-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts where fraudulently open without my consent I disputed these inaccurate accounts and the credit bureaus removed the information then a couple weeks later they readded unblocked the fraudulent accounts on my report and I need this resolved quickly I have sent in FTC report along with any and every other documents I have hade multiple time also its been over 90 days with no investigation results this fraudulent active is harmful to me and my family in a global pandemic and its stoping use from obtaining credit please have them re investigate 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 explanation
Consumer complaint received 2022-07-06 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: CA

Complaint narrative:
This company is attempting to collect an erroneous collection from me. I have disputed this every month from XX/XX/XXXX to XX/XX/XXXX between the company itself, XXXX XXXX XXXX XXXX XXXX. However, I have received computer-generated responses and have not had a thorough investigation regarding the dispute or a human manual review. 

The correct violations are as follows per the Fair Credit Reporting Act ( FCRA ) 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 an account without my written instructions/permission. They have no permission to report ANYTHING using my info pursuant as outlined in section 4 18 U.S.C 8, I owe no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: TX

Complaint narrative:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 6. Unverifiable no data information XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 7. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation

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 2022-07-06 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: VA

Complaint narrative:
I NOTICED SOME INQUIRIES ON MY REPORT THAT DONT BELONG TO 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 non-monetary relief
Consumer complaint received 2022-07-06 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: VA

Complaint narrative:
I NOTICED SOME INQUIRIES ON MY REPORT THAT DONT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: VA

Complaint narrative:
I NOTICED SOME INQUIRIES ON MY REPORT THAT DONT BELONG TO 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 non-monetary relief
Consumer complaint received 2022-07-06 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: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 non-monetary relief
Consumer complaint received 2022-07-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX DEPTEDXXXX  Account # XXXX DEPTEDXXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have a right to privacy. 

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

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 2022-07-06 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: TX

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 6. Unverifiable no data information XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX DEPTEDXXXX Account # XXXX DEPTEDXXXX has violated my rights XXXX 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

4. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

5. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate AccounXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

11. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

12. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

13. Validate Account US DEPT ED Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXt Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # 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

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 2022-07-06 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Unauthorized Inquiries, reported to my credit report, XXXX and XXXX. 

Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Hi! Me and my fiance used the app Venmo and our friend sent us {$35.00} for gas money so my fiance could get to work and Venmo froze our account, told us they couldn't do anything about it couldn't tell us anything other than we had to verify our identity. We did, and this over OVER a month ago, and tonight they just suspended his account and told us basically that they took our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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

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 2022-07-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have a right to privacy. 

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

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