vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 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: GA

Complaint narrative:
I have contacted the credit bureau in question in regards to inaccurate information that were being reported onto my credit report and it has been more than 30 days and they have not provided no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I was looking for a buy a Car so I stop at a dealership name XXXX XXXX at XXXX XXXX XXXX XXXX, CA XXXX to check a car a really like. Before I decided to get a car I went to my credit union and got a pre approved loan from them. I went to the dealership and told the sales guy that I had a pre approved loan and this is the car I want. so we sat down I showed him my pre approved letter and told him I DO NOT WANT MY CREDIT TO BE SHOP AROUND BECAUSE I HAVE LOAN WITH MY CREDIT UNION. He said okay. while I am waiting at lobby I get a notification on my credit say that someone was trying to pull my credit. I called the sales guy asked him why were they pulling my credit he said in California By law they have to do that to confirm my identity. Me not knowing the law fully proceeded with the purchase of the car. the next day I Looked at my credit and I had several inquiries on my credit. it really upsetting to see this because this people completely done something against my authorization and permission. Completely dishonest. here are the inquiries that were run by them that are on my credit without my permission. 

Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX, OH XXXX ( XXXX ) XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Date XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-03-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
Hi Sir/Madam My name is XXXX XXXX and I have Direct express card XXXX under account number that card is provide me Social Security Administration for my SSI . in XXXX of XXXX some one stole {$200.00} money from that card and it withdraw from other city there I never visit in my life. the card is with me and i memorize the pin never been share, I file dispute and bank suspend my dispute and there supervisor say we cant do any thing. my humble request is i want know we are trust on bank and for our money is hands on bank and if there system some one hack or there our money some one stole who is responsible. Its the money for my surviving please help me in this matter. I request bank and there supervisor very rudely say if want file complaint against us. I really feel helpless now and feel us as in trauma. please provide me justice. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22 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: GA

Complaint narrative:
I submitted a complaint on XX/XX/2022. I believe that you and the credit bureaus missed understood what my complaint was about as a CONSUMER I should have rights under the Fair Credit Reporting Act. 

The credit bureau stated that XXXXXXXX XXXX XXXXXXXX was verified. 
The problem that I am having is that the credit bureau is reporting inaccurate information and XXXX XXXX XXXXXXXX and the credit bureau doesn't XXXX the FCRA requirement. This is account is hurting my credit report by having a bunch of inaccuracies which you and the credit bureau not helping resolving this issues. 

XXXXXXXX XXXX XXXXXXXX DATE OF LAST ACTIVITY is incorrect but you say it verified but not correcting the information and investigating this account. Also, the BUREAU is REPORTING A PAYMENT HISTORY ON THIS ACCOUNT WHICH FROM MY UNDERSTAND YOU CAN NOT REPORT A PAYMENT HISTORY ON THIS ACCOUNT YOU ARE MANUILCATING THE STATUE OF LIMITATION XXXX THIS ACCOUNT MUST BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: KAHRS LAW OFFICES, PA
State: KS

Complaint narrative:
Took a Payday loan with XXXX XXXX for {$600.00}, they let the interest acrue to {$1200.00} before sending it to Kahrs Law Office in XXXX Kansas to pursue a judgement against me. I paid the judgement amount in full 2 years ago and was told by Kahrs the balance was {$0.00}, but now Kahrs Law is stating the balance was not paid in full and they continued to let another {$500.00} in interest acrue before garnishing my wages with no notice. They are a predatory law practice serving a predatory type of lending.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I HAVE NEW and UPDATED information regarding the previously submitted claim. 
I have contacted CFPB previously regarding this company reporting negative information to my consumer credit report ( claim XXXX, XXXX, XXXX ) I have sent them a cease and desist, I have requested for validation of debt, and they keep sending the same information that does not validate this alleged debt. I have never contracted with them nor authorized this. I filed an FTC report, and yet they have closed the complaints and still reporting. 
I have contacted the XXXX  regarding the same issue and NCB has responded that they have ceased all attempts at communicating with me, however, they still are reporting the negative information to the credit reporting agencies and a consumer credit report is a medium of communication. 
This company not only has committed identity theft but continues reporting negative information after a cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I have contacted Portfolio recovery associates SEVERAL times as they have an ILLEGAL account under my social on my credit report. I am XXXX XXXX XXXX currently and this supposed credit card account was created when I was a MINOR and they have changed my date of birth to make me appear to be OLDER than what I am. I have sent them my identification as well as my HIGH SCOOL transcripts on numerous platforms including. I have told them several times to remove me from their system and delete the losing on my credit report damaging my credit and they have NOT done so still. What they did do what update the address on file to my actual address from the fake one they had after I contacted them. This is a direct violation of the law and they engaging in illegal practices. They have my DOB listed as XXXX or XXXX which is a lie. I was literally XXXX in high school and only XXXX now. 
I was a MINOR and its illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX. 
1234, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I send a dispute letter on XX/XX/2022, of this account and still don't have responded to my dispute. The account was open fraudulently I send a copy of my Identity Theft report and they ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have called AWA collections and confirmed that this debt is not mine, the date of birth and social security number is not mine. I was told to put in a dispute with XXXX and I have done so two times already but XXXX keeps approving the amount when AWA has already told me this is not my account or debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: AL

Complaint narrative:
I applied for the U.S. Bank Cash + card in XXXX through online ( social media ) acquisition channel. There was a claim of 0 % APR intro promo for 15 billing cycles on purchases. I have double checked the disclosure before I applied, but when I received the card this promo was not reflected on my account. 
I have contacted U.S. Bank representatives multiple times, and they always promised that if I fax in the paperwork they would fix my APR on my account. But after I have faxed the disclosure and the advertisement I was presented through the acquisition channel ( once in XXXX, the second time in XXXX ), they still telling me that they need a proof of " targeted offer with my name, offer details '' before processing my request. I have told them that this is a public available offer, and since I was also targeted through XXXX ( social media ), hence I was not a targeted via direct mail, and I don't have the letter with name and promo information. The promo is still currently running with the exact terms. I appreciate your time helping me investigate into this situation, and I can fax in the promo detail I downloaded once I have a case number.

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 2022-03-22 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: TX

Complaint narrative:
In Accordance with the fair Credit Reportining Act : XXXX XXXX XXXX account # XXXX {$980.00}, XXXX XXXX  Account # XXXX {$1900.00}, XXXX XXXX XXXX Account # XXXX {$25000.00}, XXXX 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
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CT

Complaint narrative:
On XX/XX/22, I was not home and my husband called to explore interest rates. Flagstar ran a hard inquiry on my credit without my consent and completed a loan application with erroneous information since I was not there to provide the correct information. I was not at home to be aware of the conversation and/or agree to proceeding. XXXX XXXX at Flagstar took the call from my husband.

I was aware the call was made but was under the impression all conversations and actions were " soft '' - this is while we were waiting to receive documents that we would review to determine next steps, or so I thought. 
On XX/XX/22, My husband and I looked through mailed documents from Flagstar ( loan application ), which is when I found information had been guessed in order to push the refinance through. A few days later on XX/XX/22, I found my credit score had gone down and that time, I saw that a hard inquiry had been run against my credit, which is when I realized steps needing my consent were taken without my consent. 
On XX/XX/22 I submitted a complaint to Flagstar in regards to the concerns that were found. As of today, XX/XX/22, has reached out to me to address the concern, only XXXX XXXX has called me, who is the mortgage processor, and she doesn't have any authority to address the concerns. 

On XX/XX/22 XXXX, Flagstar, emailed me a copy of the loan document ( which contains SSN and birthdates, etc. ) to my personal XXXX  account, which is not encrypted. There was no link to a secure site, just a direct pdf attachment so our personal identifying information such as DOB and SSNs have been compromised.

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 2022-03-22 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:
Ive notified Experian and XXXX multiple times in regards to a collection from creditor XXXX and the fact I dont own the debt and the company engages in violations of fair credit reporting practices. 

Ive now sued XXXX XXXX XXXX and submitted another dispute to Experian to remove XXXX citing pending litigation against them. As a US citizen it is my right to a fair trial. I will not have this inaccurate fee on my credit knowing its false. 

Experian and XXXX needs to delete it while under legal review.

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 2022-03-22 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: NC

Complaint narrative:
Experian was given a dispute of a problem on my Credit report on XX/XX/2022. They had a answer on XX/XX/2022. That was literally 2 business days! They did not contact the source at all. They just assumed the information the business gave them was true without seeking any truth what so ever. What is the point of a dispute if they aren't even going to follow up. In no way did they even attempt to find the truth. This is unfair reporting by Experian and I would like some sort review of their practices.

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 2022-03-22 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:
I have contacted the credit bureau in question in regards to inaccurate information that were being reported onto my credit report and it has been more than 30 days and they have not provided no response.

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 2022-03-22 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: IL

Complaint narrative:
I recently checked my credit report and came across a lot of inaccurate information. 

Accounts that are inaccurate are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX 

Also I noticed inaccurate spelling & addresses. 

A total amount of {$23000.00} is reporting that are inaccurate.

Company response to consumer: Closed with explanation