vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 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: GA

Complaint narrative:
Account XXXX is inaccurately reporting on my credit profiles associated with my social security number and are in violation of my consumer rights per the following : Based on the provided credit report, there are several inconsistencies that can be found among the credit bureaus. These include : Account XXXX - XXXX : Experian and XXXX reported the account as a credit card, while XXXX did not specify the account type. 

Account Status : Experian reported the account as open, while XXXX reported it as derogatory. 

Balance : Experian reported a balance of {$260.00}, while XXXX and XXXX reported a {$0.00} balance. 

Credit Limit : Experian and XXXX reported a credit limit of {$300.00}, while XXXX did not specify a credit limit. 

Payment Status : Experian reported the account as late 30 days, while XXXX did not have any information on payment status. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ). Specifically : Section 607 ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information in a consumer 's credit report. The inconsistencies in the account type and balance are a result of inaccurate reporting. 

Section 623 ( a ) ( 2 ) requires that if a consumer disputes the completeness or accuracy of any item of information in their credit report, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The fact that the consumer disputes the account and has no knowledge of it suggests that a reinvestigation should have been conducted to resolve the dispute. 

Section 623 ( a ) ( 5 ) requires that if a consumer disputes the accuracy of any information in their credit report, and the dispute is resolved in favor of the consumer, the consumer reporting agency must promptly delete or modify the inaccurate information. If the reinvestigation reveals that any of the reported information is inaccurate, the credit bureaus should delete or modify the information as required by law. 

In summary, the credit report shows several inconsistencies that violate FCRA sections 607 ( b ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ).

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 2023-04-09 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: OH

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-04-09 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: GA

Complaint narrative:
Account XXXX  ( XXXX XXXX ) is inaccurately reporting on the credit reports associated with my social security number and this violates my consumer rights per the following information : There are several inconsistencies in the account information provided by the three credit bureaus : TransUnion, XXXX, and XXXX. 

Firstly, the Account Type Detail for TransUnion and XXXX is listed as " Auto Loan, '' while XXXX does not have any information for this field. 

Secondly, the Account Status differs among the bureaus, with TransUnion and XXXX reporting the account as derogatory, while XXXX reports it as open. 

Thirdly, the balance of the account varies between the bureaus, with XXXX reporting an {$8000.00} balance, while TransUnion and XXXX report a {$0.00} balance. 

Fourthly, the Payment Status field is inconsistent, with TransUnion reporting it as " Unknown, '' XXXX reporting it as " Collection/Chargeoff, '' and XXXX reporting XXXX as " Unknown. '' Finally, the Last Reported field shows different dates for each bureau. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and complete information in credit reports. Specifically, the FCRA sections that are violated in this case are : Section 607 ( b ), which requires that credit reporting agencies follow reasonable procedures to ensure the accuracy of credit reports. 

Section 607 ( c ), which requires that credit reporting agencies include complete and accurate information in credit reports. 

Section 611 ( a ), which requires that credit reporting agencies reinvestigate disputes and correct errors promptly. 

Section 623 ( a ) ( 2 ), which requires that credit reporting agencies report the date of last payment accurately. 

Overall, these inconsistencies are negatively impacting my credit score, and it's important to take action to correct any errors in credit reports.

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 2023-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Quality Asset Recovery LLC
State: FL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

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 2023-04-09 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: CREDIT BUREAU OF NAPA COUNTY, INC.
State: PA

Complaint narrative:
I discovered that they put medical bills through a collection agency. I want it removed from my credit report immediately. I want some one to call me to resolve this matter. 
I have more been without medical coverage in 20 yrs. I never received any letters regarding these amounts. If these invoices are legitimate the Insurance company will cover them accordingly. I believe the invoices were filled out incomplete or incorrectly by medical billing department. Again this is having a serious inmost impact on my credit score and need removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am request that the BRCLYSBANKDE account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation. I am now requesting that you remove this account from my credit report as it was opened without my consent.

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 2023-04-09 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: GA

Complaint narrative:
Account XXXX  ( XXXX XXXX ) is inaccurately reporting on the credit reports associated with my social security number and this violates my consumer rights per the following information : There are several inconsistencies in the account information provided by the three  credit bureaus : XXXX, XXXX, and Equifax. 

Firstly, the Account Type Detail for XXXX and XXXX is listed as " Auto Loan, '' while Equifax does not have any information for this field. 

Secondly, the Account Status differs among the bureaus, with XXXX and XXXX reporting the account as derogatory, while Equifax reports it as open. 

Thirdly, the balance of the account varies between the bureaus, with XXXX reporting an {$8000.00} balance, while XXXX and Equifax report a {$0.00} balance. 

Fourthly, the Payment Status field is inconsistent, with XXXX reporting it as " Unknown, '' XXXX reporting it as " Collection/Chargeoff, '' and Equifax reporting XXXX as " Unknown. '' Finally, the Last Reported field shows different dates for each bureau. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and complete information in credit reports. Specifically, the FCRA sections that are violated in this case are : Section 607 ( b ), which requires that credit reporting agencies follow reasonable procedures to ensure the accuracy of credit reports. 

Section 607 ( c ), which requires that credit reporting agencies include complete and accurate information in credit reports. 

Section 611 ( a ), which requires that credit reporting agencies reinvestigate disputes and correct errors promptly. 

Section 623 ( a ) ( 2 ), which requires that credit reporting agencies report the date of last payment accurately. 

Overall, these inconsistencies are negatively impacting my credit score, and it's important to take action to correct any errors in credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: GA

Complaint narrative:
Account XXXX  ( XXXX XXXX ) is inaccurately reporting on the credit reports associated with my social security number and this violates my consumer rights per the following information : There are several inconsistencies in the account information provided by the three credit bureaus : XXXX, Experian, and XXXX. 

Firstly, the Account Type Detail for XXXX and Experian is listed as " Auto Loan, '' while XXXX does not have any information for this field. 

Secondly, the Account Status differs among the bureaus, with XXXX and Experian reporting the account as derogatory, while XXXX reports it as open. 

Thirdly, the balance of the account varies between the bureaus, with Experian reporting an {$8000.00} balance, while XXXX and XXXX report a {$0.00} balance. 

Fourthly, the Payment Status field is inconsistent, with XXXX reporting it as " Unknown, '' Experian reporting it as " Collection/Chargeoff, '' and XXXX reporting XXXX as " Unknown. '' Finally, the Last Reported field shows different dates for each bureau. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and complete information in credit reports. Specifically, the FCRA sections that are violated in this case are : Section 607 ( b ), which requires that credit reporting agencies follow reasonable procedures to ensure the accuracy of credit reports. 

Section 607 ( c ), which requires that credit reporting agencies include complete and accurate information in credit reports.

Section 611 ( a ), which requires that credit reporting agencies reinvestigate disputes and correct errors promptly.

Section 623 ( a ) ( 2 ), which requires that credit reporting agencies report the date of last payment accurately.

Overall, these inconsistencies are negatively impacting my credit score, and it's important to take action to correct any errors in credit reports.

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 2023-04-09 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: GA

Complaint narrative:
Account XXXX XXXX is inaccurately reporting on my credit profile associated with my social security number and is in violation of my consumer rights per the following information : Based on the information provided, there are a few inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). 

First, there is a discrepancy in the account number between TransUnion and XXXX. TransUnion shows the full account number as XXXX, while XXXX shows only the first XXXX  digits as XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Second, XXXX does not provide any information about the account type detail. TransUnion and XXXX both show the account type as " Revolving '' and the account type detail as " Credit Card '' for TransUnion and blank for XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Third, there is a discrepancy in the high credit amount reported by XXXX. TransUnion and XXXX both show the high credit as {$730.00}, while XXXX shows it as {$600.00}. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information.

Finally, there is a discrepancy in the last reported date between TransUnion and XXXX. TransUnion shows the last reported date as XX/XX/2016, while XXXX shows it as XX/XX/2016. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information.

In summary, the inconsistencies in the credit report violate FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. Specifically, the inconsistencies involve incomplete account number reporting, incomplete account type reporting, inaccurate high credit reporting, and inconsistent last reported dates.

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 2023-04-09 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: IL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: MD

Complaint narrative:
This account was opened inXX/XX/XXXX I moved to this address in XX/XX/XXXX I asked to get the accounts verified but ssn and nothing was done XXXX said that account was verify, but were not tell me how the account was verified with what information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 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: GA

Complaint narrative:
Account XXXX XXXX is inaccurately reporting on my credit profile associated with my social security number and is in violation of my consumer rights per the following information : Based on the information provided, there are a few inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). 

First, there is a discrepancy in the account number between XXXX and XXXX. XXXX shows the full account number as XXXX, while XXXX shows only the first XXXX digits as XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Second, Equifax does not provide any information about the account type detail. XXXX and XXXX both show the account type as " Revolving '' and the account type detail as " Credit Card '' for XXXX and blank for XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Third, there is a discrepancy in the high credit amount reported by Equifax. XXXX and XXXX both show the high credit as {$730.00}, while Equifax shows it as {$600.00}. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Finally, there is a discrepancy in the last reported date between XXXX and XXXX. XXXX shows the last reported date as XX/XX/2016, while XXXX shows it as XX/XX/2016. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

In summary, the inconsistencies in the credit report violate FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. Specifically, the inconsistencies involve incomplete account number reporting, incomplete account type reporting, inaccurate high credit reporting, and inconsistent last reported dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: GA

Complaint narrative:
Account XXXX XXXX is inaccurately reporting on my credit profile associated with my social security number and is in violation of my consumer rights per the following information : Based on the information provided, there are a few inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). 

First, there is a discrepancy in the account number between XXXX and Experian. XXXX shows the full account number as XXXX, while Experian shows only the first 5 digits as XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Second, XXXX does not provide any information about the account type detail. XXXX and Experian both show the account type as " Revolving '' and the account type detail as " Credit Card '' for XXXX and blank for Experian. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Third, there is a discrepancy in the high credit amount reported by XXXX. XXXX and Experian both show the high credit as {$730.00}, while XXXX shows it as {$600.00}. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Finally, there is a discrepancy in the last reported date between XXXX and Experian. XXXX shows the last reported date as XX/XX/, while Experian shows it as XX/XX/. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

In summary, the inconsistencies in the credit report violate FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. Specifically, the inconsistencies involve incomplete account number reporting, incomplete account type reporting, inaccurate high credit reporting, and inconsistent last reported dates.

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 2023-04-09 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation