vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 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: TX

Complaint narrative:
The company XXXX XXXX is reporting late payments of the car loan. I have called and discussed with them the late payments reported. Payment arrangements which would not cause payments to be reported late, however, the company still reported it late. I have try to file disputes with the company and the creditors. 

The company reported late payments on XX/XX/XXXX and 2 times on XX/XX/XXXX. 

This has cause significant hardship, and the communication has not be helpful at all with customer service. I am reporting a complaint as they gave me false information and did not honor a payment arrangement as discussed. In addition, I was never informed this company does not offer re-financing options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. I am submitting this complaint based on new information, regarding a past complaint against Experian dated XX/XX/XXXX Experian stated in the previous complaint response that they would send me reinvestigation results within 30 days. It has been WELL past 30 days since my first compliant and I still have not received anything regarding the reinvestigation from Experian. I have not received any reinvestigation results regarding this account from Experian through any mediums. Under the Fair Credit Reporting Act Subsection 611 ( 15 USC subsection 1681 ( 6 ) ( A ) Notice of Reinvestigation Results, the results of the reinvestigation must be delivered by MAIL or if authorized by the consumer for that purpose, by other means available to the agency. I NEVER authorized Experian to deliver any reinvestigation results by any other way then MAIL. I also asked Experian to provide me with the description of the procedures used to verify accuracy in previous disputes. I'VE DISPUTED THESE INACCURATE, DUPLICATE ACCOUNTS MULTIPLE TIMES. Under the Fair Credit Reporting Act Subsection 611 ( 15 USC subsection 1681i ( 6 ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone of such furnisher. HOW CAN YOU VERIFY INACCURATE INFORMATION? Them changing the status of how the disputed accounts are reporting is NOT enough because it's still INACCURATE and DUPLICATE reporting. I will not be giving you another days to " investigate '' any disputes as you have had since XXXX of XXXX to correct all inaccurate reporting. I have been trying to resolve this matter without litigation but it has caused me great stress, mental anguish and headaches and has harmed my ability to obtain credit. I have been damaged by Experians inaccurate reporting and disregard to follow federal law. I will now file complaints with the Attorney Generals offices, the FTC, the XXXX and seek an attorney to sue because Experians violations are clear as DAY and Experian has NO INTENTIONS on complying with FEDERAL LAW after I've done my due diligence to mediate this problem with civil proceedings.

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 2022-05-16 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:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Account name-jefferson capital system Account type-debt buye Date XXXX Status- {$950.00} is due Originally cmditor-XXXX XXXX  I called and disputed it twice and got denied, was told to file police report for record of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
I have a charge off account with this company that is reporting on my credit file there company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 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 ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX 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 2022-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
it is said that I have a Open End Payday Loan from Speedy Cash. 
As of XX/XX/2019 it is said that I owed {$320.00}. As Of XX/XX/2019 and today I am charged with a interest fee of {$0.00} and that the total amount is {$320.00}. Ad Astra Recovery Services , Inc. is a debt collector thts trying to collct a debt that is said that I owe to speedy Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/2022 I discovered someone attempted to open a XXXX XXXX XXXXXXXX unlimited cash rewards XXXX signature card Ref # XXXX. I notified XXXX and the credit agencies stating that it wasn't me. I've spent countless hours on the phone on hold trying to get this corrected as its affecting my credit score. please I need help in having this removed from all 3 credit agencies. please call XXXX or email me at XXXX I want this removed and corrected.

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 2022-05-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XX/XX/2022 I discovered someone attempted to open a XXXX XXXX  XXXX unlimited cash rewards XXXX signature card Ref # XXXX. I notified XXXX and the credit agencies stating that it wasn't me. I've spent countless hours on the phone on hold trying to get this corrected as its affecting my credit score. please I need help in having this removed from all 3 credit agencies. please call XXXX or email me at XXXX I want this removed and corrected.

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 2022-05-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2022, I sent the first of multiple letters regarding inaccurate and unknown things on my credit report. As of today it has been over 60 days since I initiated the dispute with the Bureaus regarding the fraudulent accounts, this long timeframe is directly violating Section 611 ( a ) which states that failure to investigate within 30 days gives valid reason to immediately remove inaccurate/unverified accounts. I demand that this matter be resolved immediately and these accounts be deleted from my credit profiles or I will be forced to seek litigation for the damage to my reputation, emotional distress and financial strain that this false information being reported as true on my behalf has caused me. My information was exposed in the XXXX data breach therefore my private information is vulnerable to malicious individuals.

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 2022-05-16 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:
I submitted disputes multiple times in regards to BANKRUPTCY XXXX XXXX DISMISSED reporting on my credit report. Transunion and XXXX continue to report this Bankruptcy even after i informed them that I have never filed Bankruptcy. They claim to be verifying this information with XXXX. I have contacted XXXX and this Bankruptcy was removed from their system as being unverifiable! How does Transunion and XXXX verify information that is unverifiable with the supposed agency giving them the information? This FALSE reporting on my credit report has caused great harm to my credit. I am submitting evidence that the Transunion and XXXX continue to cause harm to my credit and evidence that XXXX has said themselves that this information is UNVERIFIABLE and has been REMOVED from their system.. TransUnion and XXXX must be held accountable for the blatant disregard of federal law pertaining to accurate credit reporting and the FCRA.

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 2022-05-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I submitted a dispute with XXXX on an account that shouldn't even be on my report from CapitalOne, due to the account in question first of all not being mine. There are 2 issues with this account, CapitalOne has no knowledge of the account information they reported to credit bureaus and after submitting a dispute with XXXX on XX/XX/2022, now 10 days later there is no record of my dispute submission. This seems to be an ongoing issue with XXXX as well, due to the fact that I have had many other issues ( some that required previous complaints with you agency ) with submitting complaints with them. What is the point of putting rules and laws in place if they aren't consistently upheld? I assume this is only meant for people not in affluence, or a place of power.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: KS

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 
15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-16 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: WA

Complaint narrative:
EQUIFAX is reporting balances and available credit for my account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX multiple months out of date. 

This impacts total credit utilization scores as my available credit is actually higher than reported, and they are showing that I still carry balances on this card when it is paid off. 

The primary issue is with the glacially slow rate with which they update account information with certain institutions, and it's impact on my credit score, especially given that I am purchasing a home, and this directly impacts the interest rate I qualify for, despite a 100 % perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: AR

Complaint narrative:
Account # XXXX XXXX XXXX and Account number XXXX XXXX XXXX has reported wrong information on my account that isn't 100 percent accurate. I request the reporting companies verify the accuracy of the information disputed, Also send me a copy of an original contract agreement that has been signed myself 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 2022-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
Tek collect ( XXXX XXXX XXXX XXXX Ohio XXXX ) will not send me the information that I am asking for to validate this debt. Nothing that bares my signature, nothing showing I entered into a contract with this company, proof they are allowed to collect in my state etc. All they keep sending me are computer generated invoices with another companies name on it. I do not know Tek collect, nor have I ever done any business with Tek collect. But yet they continue to report this negative information on my credit and say that I owe them XXXX dollars. It keeps getting deleted than reappearing on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$1100.00} XXXX XXXX XXXX XXXX : XXXX -- -> : {$3100.00}

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
Consumer complaint received 2022-05-16 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: OR

Complaint narrative:
I opened a XXXX account in XX/XX/2021. They offer a program which is a secured card. 

I initially placed a XXXX security deposit and then another XXXX for a total security deposit of XXXX. XXXX ( XXXX ) - issued me a XXXX credit card with a XXXX secured deposit in my XXXX account. 

I used the card for several months and then when I closed the account XXXX took XXXX from the security deposit and paid off the balance on the card. The Bank issued me a deposit for XXXX which was the remainder of the security deposit minus balance on the secured card. 

A month later XXXX ( XXXX ) started to report the balance as late and with a total due of XXXX. 

I have disputed the information XXXX provides to the credit agencies monthly and they correct the data monthly. Each and every following month, XXXX reports late payments and as well collection activity that does not exist. 

I am including the documents that show, XXXX. My initial deposit to Secured Account of XXXX XXXX. My second deposit of XXXX to Secured Account. 
XXXX XXXX  Depositing to my account the difference between the balance due and security deposits, which totaled XXXX. 

The credit card has been closed from XX/XX/2021 and there was no balance due. There are no late payments. There is no collections. 

Please find attached.

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 2022-05-16 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: NC

Complaint narrative:
To Whom It May Concern, I entered into an agreement with XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2021. My agreement is attached for reference. 

Upon enrollment into the XXXX XXXX subscription program, I set up auto payments from my XXXX XXXX XXXX checking account. You will see from my XXXX XXXX XXXX attachment that I have NEVER been late on this account. However, I would receive frequent emails from the creditor that I need to re-link my payment account to ensure no future delays in payment processing. 

To my dismay, I received notice that my account was past due after viewing my credit report. I have always made sure to pay the {$8.00} charge for my subscription service. I reached out to a customer service representative in the " XXXX XXXX '' attachment, you will see my exchange to which the rep acknowledges there should be no late payments reported to my account and there was an error with my payment posting. I was reassured this would be removed so there would be no adverse effects to my credit report. This has not happened and I would like this matter investigated immediately. 

Kind regards, 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 2022-05-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and 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 2022-05-16 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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Acount # 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