vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent CRA 's documentation and proof based on the results of the CFPB report that the ( collection account ) XXXX must be deleted. The CRA have not removed it and I have the documentation from the organization as well to support the deletion. 

It should be deleted immediately. This is identify fraud. I have been working with XXXX CRA 's for 3 months and they have not done a proper investigation, when information was requested, they did not have my permission to publish this on my consumer report per Disclosure to Consumer. USC 1681 2 ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. I NEVER gave permission form any credit report to publish my personal identifiable information. ( FRAUD ) I have the document from EASTERN states this needs to be removed. Now, they still have not removed it after sending documentation in to support the deletion of collection account in the amount of XXXX from XXXX Account. I have the letter from the collection agency as well stating they have submitted for it to be removed. In addition XXXX has deleted this from my XXXX report, which supports there was not a proper investigation done by XXXX and Experian. 
I have documented every letter and receipt to support my efforts of removing this from my consumer 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 2023-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Comenity Bank - Store Card JCREW I had one monthly statement where I was 2 days late in making my payment for a purchase amount of {$14.00} which was paid in full back in XX/XX/XXXX. I had requested for a grace period reversal of a late fee and the bank refused. Since then the bank had continuously charged me monthly late fee and interest which have now accumulated to {$200.00} as of XX/XX/XXXX. I have also made a dispute to the bank of these charges. 

At this point, the bank is totally taking advantage of continuously charging me this late fee and interest while the account is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
I applied for a loan at Wiseloan in the amount of XXXX I have paid them twice. in the amount of XXXX each .... I did not realize they were charging me over XXXX for XXXX. XXXX This is more than 3 times the amount I borrowed which I feel is ridiculous. 
My major complaint is I feel this company is taking advantage of consumers like myself that did not notice we would be charged that much more than what I borrowed. 
I feel that it is very unfair and when you can't pay those large amounts, they threaten to place the balance owed on my credit ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I am getting repeated robo-calls from XXXX - Harris and Harris Ltd . They ask me to call back at XXXX. 

I don't have any outstanding debts, and this is just a harassing scammer that won't stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
I do not recognize this company and what they are trying to sue me for. I have NEVER borrowed from this company. This " tag team '' that these collector companies use to increase the original collector acquisition date. This needs to Stop. This completely illegal practice from these debit collector companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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:
On XX/XX/XXXX I placed a dispute with XXXX I have requested several times for a letter showing proof. It's been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. It is now XX/XX/XXXX, According to the consumer law I should be treated with fairness and have my credit report showing accuracy. I have requested several times for proof, with my signature with regional ACC. A copy of the original lease or agreement showing my name and signature listed. You have wrong names listed on my profile and inaccuracy listed under my name. Next step will be to go to State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: LEXISNEXIS
State: VA

Complaint narrative:
On XX/XX/XXXX I placed a dispute with XXXX I have requested several times for a letter showing proof. It's been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. It is now XX/XX/XXXX, According to the consumer law I should be treated with fairness and have my credit report showing accuracy. I have requested several times for proof, with my signature with regional XXXX. A copy of the original lease or agreement showing my name and signature listed. You have wrong names listed on my profile and inaccuracy listed under my name. Next step will be to go to State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Navy Federal Credit Union Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My XXXX XXXX XXXX card previously reported my account 30 days delinquent for XXXX of 2022. I filed a complaint, and demonstrated that I was not delinquent for XX/XX/2022 and they removed the delinquency. a couple weeks later they reported my account 30 days delinquent for XX/XX/2022. I filed a complaint and demonstrated that I was not delinquent for XX/XX/2022. They removed the XX/XX/2022 delinquency from my report, then a week later they reported me 30 days delinquent for XXXX again, even after I demonstrated that my payments were on time. Basically they continue to move this 30 day delinquency to different months despite me proving that all my payments were on time. I am attaching proof of my XX/XX/2022 and XX/XX/2022 payments

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 2023-01-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My XXXX XXXX XXXX card previously reported my account 30 days delinquent for XXXX XXXX XXXX. I filed a complaint, and demonstrated that I was not delinquent for XX/XX/ and they removed the delinquency. a couple weeks later they reported my account 30 days delinquent for XX/XX/. I filed a complaint and demonstrated that I was not delinquent for XX/XX/. They removed the XX/XX/ delinquency from my report, then a week later they reported me 30 days delinquent for XXXX again, even after I demonstrated that my payments were on time. Basically they continue to move this 30 day delinquency to different months despite me proving that all my payments were on time. I am attaching proof of my XXXX XXXX XXXX XXXX XXXX payments

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 2023-01-07 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: MO

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-07 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: MD

Complaint narrative:
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 : Also states a consumer reporting agency can not furnish an 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.

These accounts on my credit report I do not recognize. The following accounts are fraud accounts and need to be removed immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: MD

Complaint narrative:
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 : Also states a consumer reporting agency can not furnish an 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.

These accounts on my credit report I do not recognize. The following accounts are fraud accounts and need to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I spoke to credit card representative in regards to a late payment and was discriminated again based upon my card being a secured card and I was basically told by the representative that because of this card my financial status that I was not able and couldn't get any information in regards to my account and she basically told me if I didn't like it to go somewhere else. I asked to speak to a supervisor in regards to this and was told that I could not. I was hung up on and unable to follow back up with

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has not allowed me to unfreeze my account, which I also can not access. 
I call their line, when on the phone their system to verify does not work. 
They now require me to send in a copy of my Social Security XXXX, Driver License, and a cover letter by fax or mail to their XXXX in XXXX. 

I do not even remember making an account with them, and now have to pay to get into my account. 

There is no place to walk into to unfreeze, I have to pay for mail or fax. 
I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We previously had a home that was mortgaged through Mr. Cooper. Prior to selling the home in XXXX, we had rented the home due to being XXXX XXXX as an XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Recently we moved to Texas ( XXXX  in XXXX XXXX, TX ) and wanted to get pre-approved for a home loan to start looking at houses. We found out that Mr. Cooper reported our mortgage as more then 30 days late on numerous months the previous year despite their being evidence of a payment being made each month. But, if you look at our statement it clearly shows that a payment was made each month. So, how could a payment be 30 days past due if there was a payment made every month? It does not make sense. Also, the home is in both my husband and my name, but the line items show my husband and I as having different months of delinquency? This is clearly wrong and despite having reached out to Mr. Cooper on numerous occasions to correct this error they are impossible to get a hold of. This has significantly altered our ability to be able to get preapproval for our next house here in Texas. This will be our XXXXXXXX XXXX XXXX prior to retiring, so the home we are looking for is our forever home. But due to their incompetence, it would seem we do not know how to manage our bills which is completely not true. We owned that home for 20 years. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: PA

Complaint narrative:
After reviewing my EQUIFAX credit report I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must REMOVE all negative and adverse remarks. 

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  As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts listed above. 

Please be aware that all negative remarks found on my credit report are violations of the FCRA and FDCPA when you can not furnish the validity of the remarks. I am not in dispute of the ownership of the accounts but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the accounts from my credit report. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt for car insurance for a car that I do not own and never have. I own one car and it has been insured with XXXX for years. I have disputed the debt and they are still trying to collect money from me. The VA DMV can prove that I have never own the car that they allege was insured by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2023-01-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

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 2023-01-07 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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

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