vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-04 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Name XXXX 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
For the XXXX time, my name is XXXX XXXX and not XXXX XXXX XXXX! 

I want the information on my credit report to reflect MY CORRECT NAME. Ive provided you with a drivers license and social security card that says XXXX XXXX and STILL this has not been changed. 

This is the last complaint I make about this issue, the next step is court so that a judge can tell you what Ive been telling you for the past 4 years. MY NAME IS XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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: VA

Complaint narrative:
For the XXXX time, my name is XXXX XXXX and not XXXX XXXX XXXX! 

I want the information on my credit report to reflect MY CORRECT NAME. Ive provided you with a drivers license and social security card that says XXXX XXXX and STILL this has not been changed. 

This is the last complaint I make about this issue, the next step is court so that a judge can tell you what Ive been telling you for the past 4 years. MY NAME IS 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 2023-06-04 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: OR

Complaint narrative:
My XXXX XXXX has a due date of the XXXX of each month. I paid at XXXX on the XXXX of XXXX, only to find out that a late fee has already been applied to my account. I contacted Capital One about this and they Confirmed my due date is the XXXX, that today is in fact the XXXX, but stated the late fee would not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: FL

Complaint narrative:
On XX/XX/2023 I noticed that there is an unauthorized account and inquires on my credit report that I didnt authorize or give permission to open or inquire.

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 2023-06-04 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery is reporting inaccurate information to the credit bureau, Portfolio Recovery has reported 2 accounts in the amounts of {$540.00} and {$630.00} for accounts dated XX/XX/XXXX and XX/XX/XXXX, the amounts are incorrect and the account status reported as open is also incorrect, I have disputed the information with a direct dispute with XXXX XXXX and the solution reported that the accounts were accurate, no documentation or proof has been provided to me regarding these accounts, the information reported is inaccurate and affecting my credit in a negative way

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account information : # XXXX, US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX, XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : ( 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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: Exeter Finance, LLC.
State: AZ

Complaint narrative:
On XX/XX/XXXX ; I had agreed to an auto refinance for my then XXXX XXXX XXXX. The company that solicited me the refinance offer was called XXXX and they had assigned the loan to a company called Exeter Finance LLC. Issues with the loan refinance arose after it was assigned to Exeter. Exeter never filed for a new Arizona auto title, and never perfected the lien on the vehicle. About a month later, I recieved the previous title that was cleared of any liens. I had verified with the state of Arizona Department of Transportation Motor Vehicle Division that no lien was placed by Exeter. I attempted to speak with Exeter customer service about the huge issue with the title and was ignored. At one point I was threatened with reposession despite Exeter not having legal ownership via a perfected lien. Eventually, I had enough and sold the vehicle to a local dealer which had no issue transferring the title. Exeter then charged off the loan and marked it as a reposession despite no reposession ever taking place. They placed on my credit bureau this reposession that doesnt exist. Exeter by their failures with this loan has not only destroyed my credit, it has caused emotional distress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: WA

Complaint narrative:
I was scammed XXXX dollars in total back in XXXX in the days XXXX XXXX XXXX. Through my cash app and my XXXX that was connected to my bank. XXXX was through XXXX and XXXX was through XXXX. I tried to dispute these charges with all three companies back when but they all laughed at me and told me their was nothing they could do. None of the companies put a hold on my account from my bank all the way to XXXX and cash app. XXXX dollars is a lot of money especially when their was XXXX total charges. One of these companies if not all should of put a hold on my account! None of them did

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: CONTRACT CALLERS INC
State: VA

Complaint narrative:
I received a letter by mail that was sent to my forwarding address to my po box when I got the letter from Contract Callers it stated that I owed a balance in the amount of {$200.00} the company provided a response letter that I could respond back by mail disputing the debt. I responded back with the letter they sent out also I provide documentation that I had made a payment on account and also XXXX XXXX XXXX XXXX had made last and finale payment on this account before I had the service disconnected due to move out on XX/XX/2022 then I received calls about debt and said that the debt will be reported to credit bureau. The debt was reported on my credit and have damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires on document are a result of Identity theft and was not initiated by me, I demand that they are 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 explanation
Consumer complaint received 2023-06-04 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 writing to you regarding my credit report, which contains inaccurate and fraudulent information. I have previously submitted an identity theft report detailing the fraudulent activities on my credit profile. However, I have noticed that the following fraudulent accounts and unauthorized inquiries are still appearing on my credit report : Account Details : 1. Account Name : XXXX  XXXX Account Number : XXXX 2. Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX These accounts were opened fraudulently without my knowledge or consent. I have taken the necessary steps to report this identity theft, and I kindly request that you investigate the matter thoroughly and remove these fraudulent accounts from my credit profile immediately. 

Furthermore, I have identified several inquiries on my credit report that are not associated with any active accounts. These inquiries were made without my authorization and have no valid purpose. Therefore, I request that you remove all unauthorized inquiries from my credit report as well. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants you the responsibility to ensure the accuracy of the information in my credit report. It is essential for me to have an accurate credit profile as it impacts my financial opportunities, such as obtaining loans or credit cards. The inclusion of these fraudulent accounts and unauthorized inquiries is not only detrimental to my financial standing but also a violation of my rights under the FCRA. 

To support my claim, I have attached copies of the identity theft report that I previously filed with the relevant authorities. This report provides clear evidence of the fraudulent activities and supports my request for immediate removal of the aforementioned accounts and inquiries. 

I kindly request that you initiate an investigation into these matters promptly and provide me with a written confirmation once the fraudulent accounts and unauthorized inquiries have been removed from my credit report. Additionally, I would appreciate if you could provide me with an updated copy of my credit report once the necessary changes have been made. 

Please note that the FCRA requires you to complete the investigation within 30 days of receiving this dispute letter. I expect a prompt response from you within this timeframe. 

Thank you for your attention to this matter. I trust that you will handle my request with the utmost urgency and ensure the accuracy and integrity of my credit report. 

Sincerely, 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 2023-06-04 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: FL

Complaint narrative:
I am writing to you regarding my credit report, which contains inaccurate and fraudulent information. I have previously submitted an identity theft report detailing the fraudulent activities on my credit profile. However, I have noticed that the following fraudulent accounts and unauthorized inquiries are still appearing on my credit report : Account Details : 1. Account Name : XXXX  XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX These accounts were opened fraudulently without my knowledge or consent. I have taken the necessary steps to report this identity theft, and I kindly request that you investigate the matter thoroughly and remove these fraudulent accounts from my credit profile immediately. 

Furthermore, I have identified several inquiries on my credit report that are not associated with any active accounts. These inquiries were made without my authorization and have no valid purpose. Therefore, I request that you remove all unauthorized inquiries from my credit report as well. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants you the responsibility to ensure the accuracy of the information in my credit report. It is essential for me to have an accurate credit profile as it impacts my financial opportunities, such as obtaining loans or credit cards. The inclusion of these fraudulent accounts and unauthorized inquiries is not only detrimental to my financial standing but also a violation of my rights under the FCRA. 

To support my claim, I have attached copies of the identity theft report that I previously filed with the relevant authorities. This report provides clear evidence of the fraudulent activities and supports my request for immediate removal of the aforementioned accounts and inquiries. 

I kindly request that you initiate an investigation into these matters promptly and provide me with a written confirmation once the fraudulent accounts and unauthorized inquiries have been removed from my credit report. Additionally, I would appreciate if you could provide me with an updated copy of my credit report once the necessary changes have been made. 

Please note that the FCRA requires you to complete the investigation within 30 days of receiving this dispute letter. I expect a prompt response from you within this timeframe. 

Thank you for your attention to this matter. I trust that you will handle my request with the utmost urgency and ensure the accuracy and integrity of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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: Mcburberod Financial, Inc. d/b/a SeedFi
State: PA

Complaint narrative:
i have contacted XXXX XXXX in regard to the inaccurate payment history they have furnished to credit agencies. a charge off was reported in the payment history to XXXX  but in the same month it was reported on time to XXXX this a violation of 15 usc 1681s ( a ) ( 1 ) ( A ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: MD

Complaint narrative:
On XXXX XXXX, I paid off in full my XXXX XXXX XXXX that I was the co-signer on with my now deceased mother, XXXX XXXX. I mailed the check in and by XXXX XXXX the check cleared. I paid the total balance of {$12000.00} to XXXX XXXX. I received a lein release letter sometime in XXXX and by the end of XXXX the account was considered as closed and paid in full on my XXXX and XXXX credit report. 

For some reason, it never cleared on my Transunion. I filed XXXX disputes to say that the account was paid Transunion denied the dispute. I called XXXX XXXX and they stated that the information was shared with the credit reporting agencies. I called Transunion and their advice was to file a third dispute. It is currently showing that I am XXXX days late although I have paid it off in full and the accounts has not been reported since XXXX XXXX. ( According to XXXX XXXX ) I am not sure what to do. Please note that XXXX XXXX misspelled my street name. It should be XXXX XXXX, not XXXX XXXX. I have uploaded XXXX files to prove that I have paid my debt to XXXX XXXX off in full. Their phone number is XXXX. My account number is 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 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been having an on-going issue with Equifax for the past year. The company has been reporting XXXX separate ( negative ) accounts on my credit file that are both in error and completely incorrect. Both accounts are for the same company XXXX XXXX XXXX XXXX. Both accounts are for the same exact thing and everything from the amounts, the " date open '', to the status etc are all incorrect and in error. I have reached out to Equifax a total of 3 times, disputing both accounts and have not received anything back aside from an updated letter stating " The information you disputed has been verified as accurate. '' The last XXXX disputes were sent certified mail which I have proof and still no resolution. I am requesting these inaccurate/incorrect accounts be removed from my credit file as soon as possible. Please assist me with this issue and I will provide any and all documentation that I have to get this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Avadyne Health Holdings, Inc
State: GA

Complaint narrative:
They are trying to collect a dept that I do not owe and wish for them to take it off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, I paid off in full my XXXX XXXX XXXX that I was the co-signer on with my now deceased mother, XXXX XXXX. I mailed the check in and by XXXX XXXX the check cleared. I paid the total balance of {$12000.00} to Credit Acceptance. I received a lein release letter sometime in XXXX and by the end of XXXX the account was considered as closed and paid in full on my XXXX and XXXX credit report. 

For some reason, it never cleared on my XXXX. I filed XXXX disputes to say that the account was paid XXXX denied the dispute. I called Credit Acceptance and they stated that the information was shared with the credit reporting agencies. I called XXXX and their advice was to file a third dispute. It is currently showing that I am XXXX  days late although I have paid it off in full and the accounts has not been reported since XXXX XXXX. ( According to XXXX XXXX ) I am not sure what to do. Please note that Credit Acceptance misspelled my street name. It should be XXXX XXXX, not XXXX XXXX. I have uploaded XXXX files to prove that I have paid my debt to Credit Acceptance off in full. Their phone number is XXXX. My account number is 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 2023-06-04 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: Frontline Asset Strategies, LLC
State: MA

Complaint narrative:
This company reported to my credit reports with not authorization on doing so. Never contacted me regarding this debt and now my credit score dropped due to this collection that I'm not responsible of. 

I need this to be removed immediately from my credit reports. 

Name of Company : FRONTLINE ASSET STRATEGIES Account # : XXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation