vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hunt & Henriques
State: CA

Complaint narrative:
Hunt and Henriques is attempting to collect a debt from me on behalf of XXXX XXXX XXXX. However I am a creditor in XXXX and XXXX XXXX XXXX is in possession of my stolen property and is violating my rights by trying to collect from me. This debt is currently being disputed in bankruptcy and there in an ongoing criminal trial and net they are debtors to me and committed massive fraud, so I owe them nothing. I do not wish to speak to anyone from either company, and any attempt to contact me is inappropriate and is harassment. Resolve the matter through XXXX, which is the restructuring agency. Also, you better revoke the toxic stuff you reported to credit bureaus about me not paying my debts on time. YOU DEFAULTED ON ME! YOU DON'T PAY YOUR DEBTS ON TIME! YOU ARE HARASSING ME! STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/2023 received a credit card for capital one I had not requested or applied for. This was done in Texas. They closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: MA

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 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 2023-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
This company charges an inordinate amount of monthly fees on a basic line of credit. They are essentially taking XXXX dollars a month from me from a XXXX loan. I have never seen such a predatory company and am surprised they can give XXXX percent interest loans without any government interference. This is predatory at best and criminal at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: NJ

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I've submitted the identity theft report and Police Report as additional documents for this fraudulent item. Please remove the account : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: NY

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-18 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: FL

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18 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: FL

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: NJ

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I've submitted the identity theft report and Police Report as additional documents for this fraudulent item. Please remove the account : 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$5800.00}.

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 explanation
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$28000.00}.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$28000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc.
State: CA

Complaint narrative:
I lived in an Apartment Complex from XX/XX/XXXX XX/XX/XXXX. Upon moving out, there was a question on what was owed for damages ( which at the time was {$1100.00} and now is owned by Sentry Credit ). The complex apartment is called XXXX XXXX  located in XXXX XXXXXXXX XXXX I formally disputed the original amount dated back on XX/XX/XXXX. Part of the debate with the apartment complex was that they had ignored our signed agreement stating that I would be provided with a pre move out inspection, which I did not receive. Included in the dispute was a charge for a key FOB that I had already returned to the office on XX/XX/XXXX, and a painting service invoice that was charged before I had moved out and turned in my keys. Also, I had seen two final move-out inspections reported to my resident portal on XX/XX/XXXX and XX/XX/XXXX, both included the same invoice but showed two different amounts as charged. I contacted XXXX XXXX  regarding this and never received a response. 

I have contacted XXXX XXXX  multiple times ( promptly on XXXX ) regarding the inaccurate charges, inconsistent bills and two questionable final move-out inspections. With these discrepancies, the adjusted balance totaled {$770.00}, which I had originally agreed to pay for what was correctly charged. This too was formally documented and explained to XXXX. After not hearing anything from them, it was presumed that my security deposit, of {$1100.00}, was kept tocover the full balance. 

It wasnt until XX/XX/XXXX, after I pulled my own credit report, when I found a significant drop to my credit score, from XXXX to XXXX, due to an unknown collections company, Sentry Credit, reporting an open account, posted on XX/XX/XXXX. On XX/XX/XXXX, I immediately called Sentry Credit and advised that I would not be paying until the debt is validated and I received information showing what it was that I truly owed since the original amount was never abandoned and was not rightfully to collect. I refuse to pay for an unvalidated debt over the phone, as I am a victim of identity theft. Sentry Credit stated they would mail me the detailed ledger with an explanation. I have not received a response. I mailed a follow up letter to Sentry Credit  on XX/XX/XXXX via XXXX XXXX Mail with signature receipt required, and I have still not received a response. Also, I had reached out to XXXX XXXX  by phone on XX/XX/XXXX and by mail on XX/XX/XXXX to resolve this and I have not received a response from them too. 

At no time, from the time I officially turned in my keys on XX/XX/XXXX to this point, have I received any correspondence that a debt of {$1100.00}, from XXXX XXXX, was in collections by Sentry Credit. I was never notified I owed this debt and never received notification I could dispute or make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: PA

Complaint narrative:
I noticed accounts and inquiries that are inaccurate on my consumer report. Pursuant to : 15 U.S C. 1681 ( a ) ( 3 ) Consumer reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) Consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Company have infringed upon my rights.

Pursuant to : 15 U.S.C 1681 section 602A. States I have the right to privacy. Pursuant to : 15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Further more Company never asked for my permission to furnish or sell my information to a 3rd party debt collector. My right to privacy has been invaded damages have been done. The damages stopped me from traveling to and from work, my mental health causing stress by not being able to provide for my family. I have reached out to company multiple times. Company have removed accounts and put them back on my

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 2023-07-18 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: GA

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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts 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 2023-07-18 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: TX

Complaint narrative:
During this disputing process, reporting agencies has failed to comply with 15 USC 1681a and 15 USC 1681b by not maintaining the proper response times and actions to all disputes.

After their proposed verification of these fraudulent accounts that has been disputed as not mine came back as verified. We demanded a validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) where under federal law, all accounts had to be provided with PHYSICAL proof of the original consumer contract with my wet signature on it. That has not yet been provided following our letter on XX/XX/2023. 
I want to be clear I am not claiming these accounts as my own because they are not. I am not requesting to update these fraudulent accounts. Since they are pinning these fraudulent accounts as mine, they are required to VALIDATE these accounts outlined in 15 USC 1692g Sec 809 ( b ) of the Fair Debt Collection Practices Act. Currently, the bureaus are reporting items that I have not given written consent to report. In fact, the items highlighted violate my rights under 15 USC 1666, 15 USC 1681 B, and 15 USC 1681 a-2. In fact, your comment claims you have shared my information and charged it off to a collection agency without my written 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 non-monetary relief
Consumer complaint received 2023-07-18 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:
During this disputing process, reporting agencies has failed to comply with 15 USC 1681a and 15 USC 1681b by not maintaining the proper response times and actions to all disputes. 
After their proposed verification of these fraudulent accounts that has been disputed as not mine came back as verified. We demanded a validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) where under federal law, all accounts had to be provided with PHYSICAL proof of the original consumer contract with my wet signature on it. That has not yet been provided following our letter on XX/XX/2023. 
I want to be clear I am not claiming these accounts as my own because they are not. I am not requesting to update these fraudulent accounts. Since they are pinning these fraudulent accounts as mine, they are required to VALIDATE these accounts outlined in 15 USC 1692g Sec 809 ( b ) of the Fair Debt Collection Practices Act. Currently, the bureaus are reporting items that I have not given written consent to report. In fact, the items highlighted violate my rights under 15 USC 1666, 15 USC 1681 B, and 15 USC 1681 a-2. In fact, your comment claims you have shared my information and charged it off to a collection agency without my written 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 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.

Complaint narrative:
I'm really upset because they put the inaccurate account back on my credit report. They took it off before because it was wrong and inaccurate, but now it was included in my credit history again. This is clearly a violation. According to FCRA, If any info that got deleted from my report is put back in, the agency needs to let me know within 5 business days, either in writing or through any other way you've allowed them to. I never received any notice and I never authorized this agency to report on my consumer profile. 

I'm super worried because this bad information can mess up my finances. Having an accurate credit report is a big deal because it affects my ability to get loans, have good interest rates, and make important money choices. I know my rights as a customer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, they should take off any wrong info from my credit report right away. But putting this item back on my report isn't fair or accurate. It's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with non-monetary relief