vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and after that date until XXXX XXXX an unknown XXXX XXXX  got hold of my credit and debit cards while I was in XXXX XXXX  and illegally used them. I found out ID Theft was done to me when fully released from XXXX XXXX  on XX/XX/XXXX. I was called by debt collectors of my credit card accounts that had been used when in XXXX and started police case on XX/XX/XXXX. I started disputes with XXXX XXXX XXXX debt agency and 2 cases were closed. However, on my credit report some accounts make me look delinquent because unknown XXXX XXXX had used my credit cards after I had gotten XXXX making it look like if I had authorized him/her to do so. I contacted a consumer 's affair attorney who gave me your link to start a complaint while waiting for my police 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 2022-10-24 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: TX

Complaint narrative:
The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
8. This account was paid and also the date last active is inaccurate it cant be XXXX different dates there are so many inconsistencies across the bureaus XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
9. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX XXXX XXXX XXXX XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

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 2022-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC is attempting to collect a debt that was fraudulently opened. Original creditor XXXX XXXX XXXX XXXX  has removed trade line due to fraud. Debt was sold to XXXX XXXX XXXX  which then sold to LVNV. Please provide original application showing my signature for debt validation or remove fraudulent trade lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom it may concern : I recently received a Copy of my ( XXXX, XXXX and XXXX ) Credit report, and I noticed some late payment posted 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 ( Capital One Quicksilver ) XXXX XXXX Showing late on the following dates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The companies is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: GA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
So about a month ago, I tried to make a deposit at a 5/3 ATM in a XXXX. After putting the money in, the ATM froze on me for about 10 minutes. None of the XXXX employees were able to assist me, and they just told me to call 5/3. The ATM unfroze and went back to the home screen without giving me back the {$40.00}. I checked my account and the money had not been deposited. 
After an hour of calling, I finally was able to submit a dispute and was given a provisional {$40.00} in my account until an " investigation '' was performed. 
3 days ago, the {$40.00} was taken out of my account after the " investigation '' denied my dispute. I called today and they were only able to reopen my dispute which would take 14-30 more days. They did not give me another provisional {$40.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: NY

Complaint narrative:
On XX/XX/2022, I caused to be sent to Equifax a Certified Mail letter XXXX XXXX XXXX XXXX XXXX XXXX " Permissible Purpose '' Letter requested that several accounts be removed because Equifax does not have a Permissible Purpose as per 15 USC 1681b. Equifax did NOT remove the accounts but instead initiated an investigation which is NOT what I requested. My credit score went from XXXX down to XXXX. This has caused me to be denied credit and a mortgage for my first home. I intend to file a lawsuit against Equifax as per Miller v Equifax where Equifax did the same thing to a woman who sued Equifax for inaccurately reporting accounts that should have been removed but instead remained and damaged her commercially and legally. Equifax is violating federal law and has caused my credit score to plummet XXXX points. I am filing this complaint as evidence that Equifax is violating my rights and federal law. 

Update : XX/XX/2022 Equifax still did not remove the accounts in question. I was a victim of the Equifax data breach and EQUIFAX is responsible for the fraudulent accounts in question. EQUIFAX has a personal statement on the report indicating that I was a victim of EQUIFAX 's data breach. EQUIFAX refuses to remove the accounts in question. as a result I was not able to obtain new credit and the credit score declined from XXXX to XXXX on XX/XX/2022. The score then went up to XXXX on XX/XX/2022, more than 30 days after the permissible purpose letter ( attached ) was sent to Equifax. The score then goes down to XXXX on XX/XX/XXXX. This has injured me commercially and caused delays in obtaining new credit to purchase real estate. I will be filing an SF95 with the Department of Justice XXXX XXXX XXXX for the commercial injury and damages I have suffered along with a Federal Criminal and Civil Complaint for Conspiracy Against Rights and Deprivation of Rights Under XXXX of Law, Aggravated Identity Theft, and Violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I recently opened Cabelas Card with Capital One. This has been my only new account opened recently. A few weeks after the account was made someone started opening accounts with XXXX XXXX XXXX. This has happend three times in four weeks. This also happened to my wife with her account as well. They used all of our information from the Capital One application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
This debt was paid & closed by me in 2018. They are still trying to receive money not owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TX

Complaint narrative:
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This account is reporting unverified inaccurate information and must be removed i have paid this account in full and it must be removed XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX Account XXXX : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

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 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonded Collectors of Wisconsin, Inc
State: WI

Complaint narrative:
The company in question is the the Bonded Collectors of Wisconsin. This company is located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Wisconsin XXXX. 
I have filed multiple disputes though the XXXX website because this was the only credit agency that they were reporting too. There were XXXX accounts that I was able to get removed after filling multiple times even though I disputed every account every single time I made a dispute. These account had wrong date, and falsified payments, and the person that the debt was owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
I have asked this company to submit all inquiries in writing, I will not verify any information via telephone and they are now calling my place of employments phone line ( XXXX ) instead of my personal cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: GA

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. 
Experian To Whom It May Concern, I have reached out to your corporation on numerous occasions asking you to validate the validity of the accounts that are reporting on my consumer report. After each contact, your company has noted these accounts have been verified and updated on my consumer report. Your company has refused and or failed to provide me with your investigation process. By law, you are required to investigate anything that is furnished on my credit report. I have requested for the method ( s ) of verification of the investigative accounts and how did the company come to the conclusion that these accounts are accurate? Congress found in the congressional findings that you are using an elaborate mechanism to determine my credit worthiness that is unfair and undermines my due diligence to extend my credit. After further research, CFPB released an article in detail that proves this company has not properly handled consumers disputes because proper investigations were not conducted extensively. With Experians misconduct, this has caused a strain on my personal life and has caused me hardship with extended my credit. Furthermore, I NEVER consented to this information being furnished and this infringes upon my right to privacy as a federally protected consumer. I am demanding this information be taking into consideration and these alleged accounts will be deleted from my consumer credit profile that you continuously updates. I will escalate this and hold Experian personal liable for their deception. Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 


The following accounts will be deleted from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXa Without 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 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
CONVERGENT OUTSOURCING is reporting to my credit report after years of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. CONVERGENT OUTSOURCING is violating my rights FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337. Also violating state laws Section 392.101 of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: NC

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX Account : XXXX... 

I am promised accuracy on my report based on federal law. I am writing again as another attempt to have these errors corrected on my consumer report under XXXX usc XXXX. All unverified information must be promptly removed. As you can see in your system you can not verify this information and validate it so I request that you remove it now.

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 2022-10-24 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: NC

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX Account : XXXX... 

I am promised accuracy on my report based on federal law. I am writing again as another attempt to have these errors corrected on my consumer report under XXXX usc XXXX. All unverified information must be promptly removed. As you can see in your system you can not verify this information and validate it so I request that you remove it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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