vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX # XXXX 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 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 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 explanation
Consumer complaint received 2023-07-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX CHILD SUPPORT XX/XX/2023 XXXX XXXX To Whom It May Concern : On XX/XX/2023, I received a copy of my credit history report from XXXX, XXXX, and Trans Union. That Report contained incorrect information reported by you. 

I contacted the XXXX XXXX and Trans Union to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : Child Support - I never had child support in my life. Me and my wife still live together and have our kids under the same roof. These child support payments are reporting inaccurately on all XXXX credit bureaus, ( XXXX, XXXX, and Trans Union ). 

This negative mark is damaging to my credit. Please contract XXXX, XXXX and Trans-Union , immediately to remove this information from my credit file. 

Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information. 

Thank you for your time and assistance. 

Sincerely yours, 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 2023-07-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX CHILD SUPPORT XX/XX/2023 XXXX XXXX To Whom It May Concern : On XX/XX/2023, I received a copy of my credit history report from XXXX, Equifax, and XXXX XXXX. That Report contained incorrect information reported by you. 

I contacted the XXXX Equifax and XXXX XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : Child Support - I never had child support in my life. Me and my wife still live together and have our kids under the same roof. These child support payments are reporting inaccurately on all XXXX credit bureaus, ( XXXX, Equifax, and XXXX XXXX ). 

This negative mark is damaging to my credit. Please contract XXXX, Equifax and XXXX , immediately to remove this information from my credit file. 

Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information. 

Thank you for your time and assistance. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Trying to take the necessary steps to purchase a car, when pulling my credit report, I realized I had inaccurate personal information reporting on my credit report. It has been over a year that I have been trying to get all 3 reporting agencies to update my personal information so that it is no longer inaccurate. According to the 15 U.S.C 1681 ( a ) ( 4 ) law, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy.

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 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Carvana Group, LLC
State: OR

Complaint narrative:
In XXXX XXXX  XXXX, I purchased a XXXX XXXX XXXX from Carvana. At the time I had a credit rating of about XXXX according to all the information I could access from he reporting agencies. Part of the incentive to buy from Cavana was a 4 % interest rate with an excellent credit rating. As we were closing the deal I saw the interest rate was either XXXX or 12 % and I asked why my rate was so high. Even though my excellent credit score was posted in all XXXX websites, Carvana old me that they said that my credit rating was actually XXXX, so I get the higher interest rate. 

I asked them why do the reports I get say i have a XXXX credit rating, and yours says mine is XXXX? Are there XXXX different credit reports available to consumers and creditors? She said that is what they sent us, so that is what we are charging you an its not changeable. I called all XXXX credit reporter 's and they said no, you only have one credit score with us. They said it's possible that another one of the 3 agencies has a different score.

I checked and my score was even better at another one and about the same as the other. I was in the middle of a very chaotic relocating at the time, I ended up wrecking my truck and breaking my back during the move. All my payments are autopay so I I forgot about it.

Cavana refuse to recheck and lower my interest rate.I did not know that this agency existed and thought I was XXXXThey have my signature and the deal is done and there is nothing I can do. 

They scammed me and I have been paying over XXXX he interest I should have been paying. I worked had for that credit score and along with another incident, I have completely lost faith in the system.

Is there anything I can do? The note holder makes it difficult to see what my interest rate is and that has me worried as well.

Can you help me or steer me in the right direction? What they did to me is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian continue to share my personal information with a 3rd party collection agency call XXXX XXXX since 2021 and everytime I use this site to make a complaint experian retaliate by inputting incorrect information on my credit report. I have screenshots of experian deleting inquiries of XXXX XXXX whom I never gave permission to look at my account. Experian also listed 4 of ny accounts as potentially negative in retaliation of me reporting them. They deleted my social and took information from a mortgage lender by listing my child as my spouse. They are purposely interfering with the process of a potential mortgage lender by disclosing inaccurate information and at times locking credit profile from lender. This is being done simultaneously on a day to day basis for almost two weeks

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 2023-07-31 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: VA

Complaint narrative:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VAXXXX VIRGINIA DEPARTMENT OF XX/XX/2023 XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2023-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I filed with the FTC an also filed an identity thief report with identitytheft.gov Ive stated numerous times this is not my debt an will not pay it either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I told my bank I was scammed but they said there was not proof, if someone else taking my money, I was scare to share what happen, because was scare by the person who scammed, saying it was an investment. 
The manager number is XXXX ( XXXX ) XXXX He contacted me, saying to send XXXX so I can get my money back, they stole XXXX from me but the bank couldnt get it, 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 2023-07-30 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: AL

Complaint narrative:
I received a copy of my credit report from Equifax on yesterday and it shows multiple inaccuracies, including the incorrect spelling of my name along with several inaccurate accounts. I have requested multiple reinvestigations and/ or the removal of the inaccurate information. To date, nothing has been sent to verify proof of the investigation and no inaccuracies have been deleted as per 15 U.S. Code 1679c. Now, per 15 U.S.C. 1681, I am requesting the following inaccurate accounts be DELETED Immediately. 

XXXX XXXX  - XXXX - Never late, Account in litigation XXXX XXXX XXXX XXXX XXXX XXXX - Not mine, no knowledge of this account, see Statement attached. It does not state my name or joint information XXXX XXXX XXXXXXXX - Never late, Account in litigation Name- XXXX XXXX XXXX XXXX not XXXX. Delete ALL accounts attached to this wrong name that inaccurate, fraudulent, and is not identified as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 US C1681 section 2 602 stays I have the right to privacy 15 US C1681604 section to a consumer reporting agency can not furnish an account without my written notice 15 US C166B and open credit payment can not be reported as late on a open account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/2023 I paid {$5.00} apiece to my account at XXXX XXXX XXXX  from my Cashapp account. The company never applied my payment to my account or refunded me my money. I called twice no answer the third time a lady answered. She verified who I was & my account.. When she asked how can she assist me I told her how I paid my money & Im waiting on it to be applied to my account. She hung up on me. I called back once again.. No answer. So I notified Cashapp informing them what just occurred.. The placed fraud on both accounts but arent able to make the company refund me. I want my {$10.00} back. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: FL

Complaint narrative:
XXXX XXXX XXXX shows my auto loan was more than 30 days past due in XX/XX/XXXX. This was an error on their part. I changed auto insurance companies and they were sent the information but force placed insurance on me in error. They were applying my monthly payment to the force placed insurance first then towards my payment. When I discovered this, I contacted them immediately. It took me numerous calls in XX/XX/XXXX to get this corrected and to get all the payments correctly applied. They assured me it would not be negatively reflected on my credit which it was. I contacted them again in XX/XX/XXXX and they apologized and guaranteed it would be corrected yet it hasnt. I have been denied credit due to this inaccuracy and need to have this corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: FL

Complaint narrative:
I have asked XXXX, Equifax and XXXX to please not share my credit report for any reason without my signed authorization. I have not applied for credit lines, telephone services or promotional credit offers. While reviewing my credit reports with all XXXX  credit bureaus i learned these companies obtained a copy of my consumer reports without my authorization which has added over XXXX credit inquires on my report that i did not authorize or express permission to share my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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:
I have asked XXXX, XXXX and Experian to please not share my credit report for any reason without my signed authorization. I have not applied for credit lines, telephone services or promotional credit offers. While reviewing my credit reports with all XXXX credit bureaus i learned these companies obtained a copy of my consumer reports without my authorization which has added over XXXX credit inquires on my report that i did not authorize or express permission to share my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This company has a collection that is not mine that is reporting on my credit report. This is account number # XXXX, XXXX and XXXX. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: VA

Complaint narrative:
On XX/XX/23, I received a notification from my credit monitoring service stating that this company added an account to my credit report. I never received a dunning letter from them about the alleged debt to allow me to request any validation but they just added it to my reports.

Im demanding that they delete this alleged debt from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern, Your company says I legally owe you money. I will PAY under one condition if you can provide.

1. Validation of the debt that is, the actual accounting.

2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX Account number XXXX Date opened. XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Original creditor : XXXX Balance {$1200.00} Account numberXXXX Kind Regards 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 2023-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On or about XXXX on XX/XX/XXXX, I spent {$100.00} purchasing XXXX using CashApp. I then tried to send some XXXX to my personal XXXX  wallet - CashApp did not permit this, requesting identity verification in order to be able to send XXXX. I then uploaded photos of my drivers license. On or about XXXX on XX/XX/XXXX, CashApp sent me an email stating that my account had been verified. Later that afternoon, I attempted to send XXXX, this time being greeted with, " Sorry your withdrawal could not be processed ''. I attempted to contact support to fix this and was instead greeted with the utmost disrespect from an " Advocate '' using the name " XXXX '', who lied about methods for checking the status of verification. I remain unable to use the XXXX  I purchased. At this point, I believe that I have been scammed out of {$100.00} and that CashApp has engaged in XXXX of the most egregious examples of unfair, deceptive, and abusive practices imaginable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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:
See 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 explanation
Consumer complaint received 2023-07-31 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: TN

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I can not see my updated credit report, only shows credit report as of XX/XX/23. Beleive my profile is split, and data needs to be removed in order for actual real time scores to be seen. Can not get approved for loans either as the company can not pull my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: TX

Complaint narrative:
See 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