vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-18 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On the week if XX/XX/XXXX I was disputing a collections. With Portfolio Recovery A  when they removed the debt of {$460.00} dollars in conclusion to not having correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I received a collection letter on XX/XX/2022 from Jefferson Capital attempting to collect a debt, I responded back to the letter within 30 day requesting validation of this alleged debt. Jefferson Capital response was to file a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am not aware of this account.

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 2022-09-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1981 section 604 A. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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:
According to Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer report agency can not furnish 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 2022-09-18 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: FL

Complaint narrative:
I have notified Experian several times that there are many discrepancies in the reporting on my credit file which all happen to negatively impact my reputation and are unlawfully still furnished. According to 15 USC 1681c-2 ( a ), after being notified that accounts are fraudulent, do not belong to me, nor relate to any transaction that I am connected to ; the information must be blocked and deleted within 4 days of receipt. By my records, I have sent written notification to Experian providing full detail and evidence necessary for its removal. Postal Tracking # XXXX XXXX XXXX XXXX XXXX, received XX/XX/XXXX. It is now XX/XX/XXXX and Experian has not fulfilled its duties to block and delete the information. I have again attached the documents Experian has already received. Further, per 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ), the information can no longer be furnished after being notified by me that the information is inaccurate. I am requesting for the immediate removal of these accounts.

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 2022-09-18 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Account ( XXXX ) with " XXXX XXXX XXXX '' still showing on credit report. 

Delete IMMEDIATELY. 

Account # : XXXX ( Still showing and needs to be deleted across all 3 Bureaus ). 

All other accounts have been deleted as a result of dispute. This should be the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-09-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account - 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 non-monetary relief
Consumer complaint received 2022-09-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1981 section 604 A. States 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 explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1981 section 604 A. States 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 explanation
Consumer complaint received 2022-09-18 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: DE

Complaint narrative:
Account ( XXXX ) with " XXXX XXXX XXXX '' still showing on credit report. 

Delete IMMEDIATELY. 

Account # : XXXX ( Still showing and needs to be deleted across all 3 Bureaus ). 

All other accounts have been deleted as a result of dispute. This should be the same.

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 2022-09-18 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: DE

Complaint narrative:
Account ( XXXX ) with " XXXX XXXX XXXX '' still showing on credit report. 

Delete IMMEDIATELY. 

Account # : XXXX ( Still showing and needs to be deleted across all 3 Bureaus ). 

All other accounts have been deleted as a result of dispute. This should be the same.

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 2022-09-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
I had an out court debt settlement pay arrangement to a debt with this company. The company did not show up the Scheduled Court Hearing and their did not respond to Judge and myselft about the No Show. The Judge advised sent in the final payment of the arrangement. On XX/XX/XXXX I received the Cashiers Check from the Debt Collector staying that I can not request and letter stating that the agreement was paid full.

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 2022-09-18 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: DE

Complaint narrative:
" XXXX XXXX '' has been deleted from my XXXX credit report but not from any of the other 2 major Bureaus. Please correct this and delete this account from my credit profile immediately. 

Account # : XXXX needs to be deleted immediately from XXXX AND TRANSUNION.

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 2022-09-18 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: DE

Complaint narrative:
" XXXX XXXX '' has been deleted from my XXXX credit report but not from any of the other 2 major Bureaus. Please correct this and delete this account from my credit profile immediately. 

Account # : XXXX needs to be deleted immediately from EXPERIAN AND XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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:
Recently, I did an investigation on my credit report which cuased severe XXXX upon me and found information provided was inaccurate and questionable that your agency did not make sure it was reporting 100 % accurately. 

In accordance with the Fair Credit Reporting Act, evertyhing has to be 100 % accurate on my credit report and under 15 U.S.C 1681 Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accuratly. 
XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
No Additional Information was provided by Creditor. Creditor also Failed to show proof of ownership and debt verification in a court case. 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 consent. They have failed to provide proof to me, and proof to the courts that they own this debt or have a lawful right to collect on this debt. 

Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. No information has been provided to me personally on this debt. Also this Collection Agency has failed to provide proof of ownership of this debt. n accordance with the Fair Credit Reporting act 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 consent. There is not a contract between XXXX XXXXXXXX XXXX and I and never has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Heartland Resolution Group, LLC
State: TX

Complaint narrative:
Repeated phone calls while Im at work, attempting to collect on an alleged debt that over 5 years old. The statute of limitations for Texas is 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: PA

Complaint narrative:
I have mailed in several disputes to Experian, XXXX, XXXX disputing derogatory accounts that are not mines, I filed a FTC report, Credit reporting agencies response is VERIFIED, I mailed a request for verification and have not received anything, please help. 
I have been denied credit because of the inaccurate information on my credit report that is not mines, the credit reporting agencies is not accepting the fact that this identity theft, they are in violation of my rights.

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 2022-09-18 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 Reporting Act all of the companies listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15USCODES1681 section 602 A - States I have the right to privacy 15USCODES1681 section 602 A section 2 - It also states that 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 non-monetary relief
Consumer complaint received 2022-09-18 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 Reporting Act all of the companies listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USCODES1681 section 602 A - States I have the right to privacy 15USCODES1681 section 602 A section 2 - It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: CA

Complaint narrative:
agency has not COMPLIED with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This dispute should have been resolved within a month but has been still been pending for last two months and Citi bank is trying to resolve it with 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 monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
From 2008 till 4 months ago I thought the only option I had was forbearance. Navient said my payments would be between 50 to 95 % of my XXXX only source of income. Recently got on XXXX $ monthly IDR. More than {$30000.00} interest added.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Recently, I did an investigation on my credit report which cuased severe XXXX upon me and found information provided was inaccurate and questionable that your agency did not make sure it was reporting 100 % accurately. 

In accordance with the Fair Credit Reporting Act, evertyhing has to be 100 % accurate on my credit report and under 15 U.S.C 1681 Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accuratly. 
XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
No Additional Information was provided by Creditor. Creditor also Failed to show proof of ownership and debt verification in a court case. 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 consent. They have failed to provide proof to me, and proof to the courts that they own this debt or have a lawful right to collect on this debt. 

Collection : XXXX XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. No information has been provided to me personally on this debt. Also this Collection Agency has failed to provide proof of ownership of this debt. n accordance with the Fair Credit Reporting act 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 consent. There is not a contract between XXXX XXXX XXXX and I and never has been.

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 2022-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I tried to use a discount promotion online with my XXXX credit card issued by Comenity bank this afternoon. Online they said the items were excluded from the promotion. However on the promotion card it said that it was {$30.00} off of any purchase of {$100.00} or more and it did not specify the exclusion of any items. I did talk to the company finally after a prolonged period of time waiting online and they did give me the discount. However many people would be deceived by the discount card. There was no disclosure on the discount card I received that said any items would be excluded. I explained that to the woman on the phone and she eventually gave me the discount. However many people would not see that and would be deceived and will pay a higher price and they shouldve. You should investigate this. Its XXXX discount on a comenity bank card. It feels like a deceptive practice under XXXX that needs to be fixed so other consumers dont get swindled.

Company response to consumer: Closed with explanation