vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 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: NY

Complaint narrative:
Pursuant to 15 U.S.C. 1692c ( 1 ) ( 2 ) ( 3 ), the listed debt collectors shall cease all communication and remove all fraudulent accounts from my consumer report. The listed debt collectors have 4 days after receiving this notice to remove all fraudulent accounts from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc.
State: AR

Complaint narrative:
Dates : XX/XX/2022 Amounts : {$93.00} ( now ) Actions Taken : I emailed and texted them telling them it wasn't my debt and that I had never received phones or service from XXXX XXXXXXXX but they continued to bill me and it kept adding up to the point of what it is now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Marauder Corporation
State: MT

Complaint narrative:
On XX/XX/23 I saw that XXXX collection professionals reported a medical collection on my credit report. I promptly called to duscuss and confirm information. I did not receive any notices or mail prior and have not been provided copies of requested documents. I alose called XXXX XXXX and they advised they could do nothing although when i accessed my account in the last year the debit did not show as incurred or due on billing site. This is under {$500.00}, medical and there has been no help from either company in confirming debit. Credit dispute filed however no update other than amount confirmation received

Company response to consumer: Untimely response
Consumer complaint received 2023-01-17 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: MN

Complaint narrative:
On XX/XX/22 I requested that the following account be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX CAPITAL ONE XXXX Validate Account The credit bureaus response was that they verified the accounts. I have since pulled my credit reports and there are still inaccuracies on the report.

15USC. 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 2023-01-17 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: NY

Complaint narrative:
Pursuant to 15 U.S.C. 1692c ( 1 ) ( 2 ) ( 3 ), the listed debt collectors shall cease all communication and remove all fraudulent accounts from my consumer report. The listed debt collectors have 4 days after receiving this notice to remove all fraudulent accounts from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2023-01-17 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: NY

Complaint narrative:
Pursuant to 15 U.S.C. 1692c ( 1 ) ( 2 ) ( 3 ), the listed debt collectors shall cease all communication and remove all fraudulent accounts from my consumer report. The listed debt collectors have 4 days after receiving this notice to remove all fraudulent accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I took out a loan with synchrony financial for a XXXX XXXX. I have consistently paid my loan early since the loans creation, for the payment of XXXX. My payment due date is on the XXXX of every month, and consistently I have made my payment between the XXXX and the end of the month leading up to the month the payment is due. XXXX payment was made on XX/XX/XXXX, and On XXXX the XXXX via the synchrony automated phone system, which is one of two ways to make a payment with out paying a servicing fee, I made a payment of XXXX for the due date of XX/XX/XXXX. The payment was processed and appears on my XXXX XXXX statement the same as every other payment. Synchrony acknowledged on a telephone call today XX/XX/2023 at approximately XXXX that the payment was made applied to my principal and interest, but never applied to my account to show a payment was made. They proceeded to charge me a late fee for an acknowledge payment, and that their research request would take 30 days thus making my account delinquent and reported as such to the credit bureaus. They acknowledged there was no prepayment penalties, and that they processed the payment, but simply did not apply it to my payment due, only as a payment made early, but then charged me a late fee for no reason.

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 2023-01-17 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: CA

Complaint narrative:
Experian is reporting invalid information, without my knowledge and permission, for the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX/XXXX. 

Experian is reporting incorrect and invalid data on my personal information. 

They are also reporting unauthorized inquiries : XXXX XXXX, XXXX and 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 2023-01-17 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: VA

Complaint narrative:
TransUnion XXXXXXXX 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 Have written and made several calls to get verification on the debts that's has been placed on my credit reports, There are many inconsistencies on my credit report which have lasting effects for my life. Please Remove these items immediately!. 
Incorrect Addresses Incorrect name or surnames Incorrect Phone Numbers Please Remove XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-17 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: PR

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. 
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 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 or 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 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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business SYNCB/PAYPAL CREDIT CARD is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between SYNCB/PAYPAL CREDIT CARD and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. Its discrimination.

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 2023-01-17 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: FL

Complaint narrative:
DO NOT CLOSE THIS COMPLAINT, I AM MAKING THIS COMPLAINT MYSELF XXXX XXXX IS MAKING THIS COMPLAINT NBOT A THIRD PARTY. 
So I have tried to work with the credit bureaus time and time again to get them to remove identity theft from my credit reports. they never do what they are supposed to. I am gon na end up hiring a lawyer to pursue this if you guys dont do what you are supposed to and remove the identity theft from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I moved into XXXX XXXX apartments in XXXX, South Carolina on XX/XX/XXXX as a subletter with a subletting lease facilitated by XXXX XXXX. At the time XXXX XXXX was managed by XXXX XXXX XXXX. I filled out a form provided by XXXX upon move-in detailing all existing damage to the unit, mostly paint chipping, and took photos of the existing damage ( attached ). I moved out on XX/XX/XXXX at the end of my lease with a smooth checkout process facilitated by management, no damages incurred during my stay, and all debts ( rent ) paid. I was contacted by a debt collector in fall XXXX regarding {$270.00} owed to XXXX XXXX for the unit damages that were already there and reported upon move in. I was never contacted by XXXX or XXXX directly regarding these charges. I asked the debt collector to dispute the charge, but was not able to get in contact with them again after the initial call. I tried calling XXXX XXXX to dispute the charge, but they are under new management and have no records of me or the woman who I subletted from, nor any records of debts owed by me. I tried getting into contact multiple times via phone and email with XXXX but was not able to reach them. The debt owed has now hit my credit report, with a significant impact lowering my score from XXXX to XXXX, and I am told this will remain on my report for 7 years. I tried disputing this with XXXX XXXX, however they verified the charge with little explanation of their research into the dispute and have kept it on my credit report. I am hoping to have this incorrect charge revoked and removed from my credit report. As I am looking to buy a home in the near future, this impact of a wrongful charge will severely impact my ability to secure a mortgage and have a very large negative impact on my life for a debt that I do not owe. I greatly appreciate your help in reversing this and helping me to clear up this misdirected charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: CT

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX  ), XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX AT T ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$240.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-01-17 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:
DO NOT CLOSE THIS COMPLAINT, I AM MAKING THIS COMPLAINT MYSELF XXXX XXXX IS MAKING THIS COMPLAINT NBOT A THIRD PARTY. 
So I have tried to work with the credit bureaus time and time again to get them to remove identity theft from my credit reports. they never do what they are supposed to. I am gon na end up hiring a lawyer to pursue this if you guys dont do what you are supposed to and remove the identity theft from my credit.

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 2023-01-17 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: CA

Complaint narrative:
Equifax is reporting incorrect personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: PR

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. 
XXXX XXXX XXXXXXXX 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 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 or 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 2023-01-17 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in XXXX and Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2017 Balance {$7900.00}

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