vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX of Birth : XXXX # : XXXX Experian XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.7. Validate Account DEPT OF EDXXXX Account Number : XXXX Please investigate and delete from my credit report.8. Validate Account DEPT OF EDXXXX Account Number : XXXX Please investigate and delete from my credit report.9. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.10. Sample Reason XXXX XXXX  Account Number : XXXX My parent has the same name as me.11. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.12. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 2023-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit Bureau stated XXXX XXXX was properly investigated but how is that accurate when the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, the dispute status was not marked disputed they put " Account disputed '', the account remarks meets FCRA XXXX 

The Bureau did not complete a proper investigation as requested. Everything must be 100 % accurate on my report however they did not do that. This is grounds for removal. 

They Also violated my rights under 15 U.S.C 1681 section A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureau took more than 30 days to complete my investigation. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation or remove the account The Credit Bureaus never did a proper " Investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 

They did not do this Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


I have previously requested that you investigate this information and you have failed to correct the Errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit 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 non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Dear Jefferson Capital Systems, I have been receiving threatening calls from your company, treating legal action if I do not pay the debt that you claim I owe. However, I have never had any business or financial dealings with Jefferson Capital Systems, and I have never authorized you to place any negative items on my credit report. 

I am requesting that you immediately stop all communication with me regarding this alleged debt, as I do not owe any money to your company. I am also requesting that you remove all negative information related to this debt from my credit report as soon as possible. 

This is causing me significant financial harm. I am prepared to take legal action if necessary to ensure that my credit report is accurate and free of any false or misleading information. 

Please provide me with written confirmation that you have stopped all communication with me and that you have removed all negative information related to this alleged debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: GA

Complaint narrative:
XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX XXXX  Balance {$430.00} Balance updated XX/XX/2023 XXXX  Original creditor XXXX XXXX  XXXX XXXX APTS Balance {$170.00} Balance updated XX/XX/2023 As per the Fair Credit Reporting Act, I have identified several accounts that have violated my rights under the law. Specifically, I believe that the consumer reporting agencies have furnished information without my written consent or knowledge, which is a violation of my right to privacy under Section 1681b of the Act.

Additionally, I would like to highlight the provisions of Section 1681c of the Act, which state that consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report, and to allow consumers to dispute and correct any inaccuracies in their credit reports.

Therefore, I am requesting that the consumer reporting agencies take immediate action to correct any inaccuracies in my credit report and ensure that all accounts are being reported in compliance with the Fair Credit Reporting Act. 

XXXX XXXX Original creditor XXXX XXXX XXXX  Balance {$420.00} Balance updated XX/XX/2023 XXXX XXXX XXXX XXXX Balance {$2500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$980.00} Balance updatedXX/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 2023-05-12 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: GA

Complaint narrative:
XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX MISSOURI Balance {$430.00} Balance updated XX/XX/2023 NATLCRSYS Original creditor XXXXXXXX XXXX XXXX XXXX XXXX Balance {$170.00} Balance updated XX/XX/2023 As per the Fair Credit Reporting Act, I have identified several accounts that have violated my rights under the law. Specifically, I believe that the consumer reporting agencies have furnished information without my written consent or knowledge, which is a violation of my right to privacy under Section 1681b of the Act.

Additionally, I would like to highlight the provisions of Section 1681c of the Act, which state that consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report, and to allow consumers to dispute and correct any inaccuracies in their credit reports.

Therefore, I am requesting that the consumer reporting agencies take immediate action to correct any inaccuracies in my credit report and ensure that all accounts are being reported in compliance with the Fair Credit Reporting Act. 

XXXX XXXX Original creditor XXXX XXXX XXXX  Balance {$420.00} Balance updated XX/XX/2023 XXXX XXXX XXXX XXXX Balance {$2500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$980.00} Balance updated XXXX XXXX, 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Good day : I have tried to fix this problem with Capital One with the help of Consumer Financial Protection Bureau Complaint per the following details : Account ending in XXXX Capital One CID : XXXX CFPB Complaint ID : XXXX Capital One responded : " The Spark Business Basic Checking account ending XXXX was originally closed at your request on XX/XX/XXXX '' - THAT IS A LIE! 
Capital One wrote : " The final closeout check number XXXX for {$970.00} was issued to your address on file. Our records indicate you received this check, and it was paid on XX/XX/XXXX. '' - I NEVER RECEIVED THE CHECK! 
The " attached paid check copy '' has an error in the signature! - THAT IS NOT MY SIGNATURE ON FILE SO WHY DID CAPITAL ONE PAY OUT THE MONEY? 
XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: NC

Complaint narrative:
According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-05-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
After viewing a copy of my report, I noticed a collection account placed on my credit report from XXXX XXXX on XX/XX/2018 in the amount of {$2700.00}. First and foremost, I have confirmed that the debt collector XXXX XXXX is not licensed in the state of Florida to collect on this debt. Secondly, XXXX XXXX violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$2700.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that XXXX XXXX provides me with competent evidence that I have any legal obligation to pay them. I asking that XXXX XXXX to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statute of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand XXXX XXXX immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand XXXX XXXX agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that XXXX XXXX agrees to remove my personal information from all accounts in its companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX of Birth : XXXX # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX XX/XX/2023 Re XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.2. The following account is not mine XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.3. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.4. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.6. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 2023-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: NY

Complaint narrative:
In XXXX I was looking for a loan to pay my daughter 's tuition for a private school I came across Mariner Finance in XXXX of XXXX They agreed to give me a XXXX unsecured loan but if I wanted the XXXX that I requested I would need to use my car as a collateral. Of course I was in need of the XXXX which they were aware of so I went with the XXXX and use my XXXX XXXX accord as collateral. My car at the time valued around XXXX when I did a XXXX XXXX XXXX estimate but they valued it at a lower price. With that being said I also read online where if you have a secured loan and use a car as a collateral your interest rate should be lowered. My payments are {$190.00} a month which I have paid over XXXX already which most of the money have went to interest Early this week I decided to get a pay off amount so I can pay off the balance but realized the pay off balance was over {$5000.00} after 8 months of payments. My credit score at the time was XXXX. They gave me a 24.97 % interest rate on top of using my car as collateral. I feel Mariner Finance took advantage of my need for a loan and Usury does apply in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: IN

Complaint narrative:
I have contacted Experian, XXXX, and XXXX about reporting and sharing certain information about me without my authority or my written consent which is a violation of my rights as a consumer. These XXXX companies are also violating my right to privacy by reporting these accounts. The accounts are as follows : 1. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy - Acct # XXXX XXXX XXXX XXXX ( a ) ( 4 ) states the consumer 's right to privacy.

Notice, it is a fact, I, the consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). Experian, XXXX, and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 

15 U.S.Code 1681b ( a ) ( 2 ) states Credit Reporting Agencies need written instruction to make a consumer report by the consumer. 

Notice, it is a fact, I, the consumer is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

15 U.S.Code 1681 ( b ) states Credit Reporting Agencies must follow reasonable procedures. Must be fair and equitable to the consumer.

Notice, it is a fact, I, the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed were not followed and this a violation of 15 U.S.Code 1681 ( b ). 

In conclusion, These companies have violated plenty of my rights as a consumer. With that being said, I demand they remove all the accounts listed below. If my demands are not met, my next step is to take each company to federal court to show where they violated my federal rights as a consumer and sue each credit reporting agency. 


XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy - Acct # 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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had an authorized use of my credit card. A company I used charged more than the agreed amount that I signed for. I have disputed it twice with the card company and have asked them to provide details of why the dispute was not done correctly and they are unable to provide. I did not authorize the amount charged on my credit card and I am requesting that the CC company send me a signed receipt of the charge as I did not sign for it. This is with TD bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent in my dispute letters on XX/XX/2023 I haven't receive no response i sent in my SSC and ID I have unverified inquiries on my report that is hurting my credibility to get more credit Im asking can you please fix the problems on my credit report i will like for it all to be deleted.

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