vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX was a fraud credit card. I filed a police report years ago and the credit bureau took the item off my credit report. The debt was recently sold to Financial Recovery Services , Inc . They sent me a letter and stated that I owe {$180.00} and to call or write them by XX/XX/2022 to dispute all or part of the debt. It is not XX/XX/2022 and its already illegally reporting negative on my credit profile Not to mention this company is not licensed in Georgia. I would like for this company to fix the error immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
On or around XXXX XXXX, I had submitted to ChexSystems that I had been a victim of identity theft and I had incorrect information on my ChexSystems report, that I wanted to dispute. I received a letter today dated XX/XX/2022, advising me that the reinvestigation of 2 credit inquires, both from XXXX XXXX XXXX XXXX, dated XX/XX/2022 and XX/XX/2022 that were part of my identify theft, had been verified as accurate information. This is incorrect and unacceptable. They did not provide me with any detailed information proving to me this. XXXX ID XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: AL

Complaint narrative:
I have been turned down for several job opportunities due to incorrect public records and credit score reporting. Dates include XX/XX/XXXX, XX/XX/XXXX. These reports were out of pocket cost and were requested by and First Advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/2022 my mortgage was made current through XX/XX/2022, by the California Mortgage Relief Program ( see attached award letter ). On XXXX XXXX XXXX I received a letter from my mortgage servicer, LoanCare, that stated that FORECLOSURE will be suspended for 60 days ( the time my loan has been brought current ) and that I will be given till the end of XX/XX/2022 to accept a Loan Modification for terms I have not received. Stated in the letter, I am told additionally that my online access to my account will be continue to be restricted until my loan is brought current? I was also given contact details for a representative that I have been previously denied access to. I continue to be denied a single point of contact with whom I can get reliable, trustworthy status and next steps going forward. I have received nothing in writing concerning the status of my account, or details and terms of proposed agreements they expect me to enter into within the next 20 days. I am unable to manage my account online ( as should be accessible by their stated policy of being current ). I continue to be discriminated against for services enjoyed by all other debtors served by LoanCare. I do not have great confidence the correct status of my account is being reported to credit agencies as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The car was repossessed it's showing on my credit report as a charge off but they keep stating that I am making late payments I do not have the vehicle it was repossessed again it is showing that it was a charge off if it's showing a charge off they have already performed a 1099 and it should be taken off of my credit report thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The car was repossessed it's showing on my credit report as a charge off but they keep stating that I am making late payments I do not have the vehicle it was repossessed again it is showing that it was a charge off if it's showing a charge off they have already performed a 1099 and it should be taken off of my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The car was repossessed it's showing on my credit report as a charge off but they keep stating that I am making late payments I do not have the vehicle it was repossessed again it is showing that it was a charge off if it's showing a charge off they have already performed a 1099 and it should be taken off of my credit report thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance to Fair Credit Reporting act. The list of accounts below has violated my federally consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a 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 agent 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 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 non-monetary relief
Consumer complaint received 2022-10-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent EXPERIAN a certified letter to try to get this matter resolved under tracking # XXXX. The letter has been received. 

There are 4 accounts being furnished under my consumer report which are : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 usc 1681- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) In accordance with the written instructions of the consumer of whom it relates. 

I XXXX XXXX, the consumer have never given EXPERIAN any written consent to report/furnish anything on my consumer report. No consent is Identity theft. 

This is a direct violation by your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: AL

Complaint narrative:
I have been turned down for several jobs due to inaccurate background and credit reporting. These reports were an out of pocket expense for {$29.00}. Dates include XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are requried to Promptly Delete All information that is inaccurate, incomplete, or which cannont be verified. it is also my understanding that under thr FCRA 15 U, S.C. 5 1681i, every single one even each and any or all the un proven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly neegated in its entirety or the alleged accounts are to be completely deleted. The following derogatory accounts allegation are either untrue, unverfied, incorrect, not mine, not my responsibility, or otherwise NOT PROVEN COMPLAINT to regulatory fedeal reporting laws and or standards and MUST be removed. The following accounts are reporting on XXXX, XXXX, Equifax 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are requried to Promptly Delete All information that is inaccurate, incomplete, or which cannont be verified. it is also my understanding that under thr FCRA 15 U, S.C. 5 1681i, every single one even each and any or all the un proven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly neegated in its entirety or the alleged accounts are to be completely deleted. The following derogatory accounts allegation are either untrue, unverfied, incorrect, not mine, not my responsibility, or otherwise NOT PROVEN COMPLAINT to regulatory fedeal reporting laws and or standards and MUST be removed. The following accounts are reporting on Experian, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There is a charge for {$140.00} to XXXX XXXX XXXX that was charged of and is still reporting a balance, also capitol one report a debts of {$700.00} but the charge shows as charged off as in they received payment from IRS in 1099

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: AL

Complaint narrative:
I have a title loan with title max. After reviewing my state pawn contract, I noticed the principal amount was incorrect. I'm paying {$250.00} monthly interest. According to the pawn ticket, the principal amount is {$1700.00}. This is incorrect. I borrowed right at {$1000.00} TOTAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
I received a notice from source receivables regarding a debt from 2020. I dont remember owning any XXXX and I request a debt validation. Attached is official dispute letter requesting documentation XXXX XXXX XXXX $ XXXX states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file. 
Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. 
XXXX ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been for the past 3 years trying to restore my identity and remove the fraudulent accounts opened online without my knowledge/ consent. XXXX of which consist of Chase Cards JMPCB credit card accounts reporting as XXXX opened on XX/XX/XXXX charged off {$7000.00} and XXXX opened on XX/XX/XXXX charged off {$6800.00} both accounts are being reported with the name XXXX XXXX XXXX the person whom committed the identity theft and in all police reports as well as federal complaints and reports ). The part that confuses me is in XXXX, the only credit card I owned was a secured credit card in which still shows in good standings. Not only that but I have provided to Chase Bank as well as XXXX and XXXX all supporting documents required to substantiate the basis of the dispute which include ; copy of a police report from XXXX XXXX, Federal Trade Commision report and XXXX XXXX XXXX All supporting documentation contains account statements as well as the identifying information related to the specific person involved resulting in me being a victim of identity theft ( 16 CFR 603.2 ). 

I received a letter in the mail on XX/XX/XXXX from Chase bank that states their reporting is accurate because " payments were made to that account. '' Chase failed to include any supporting documents, yet is being permitted by both XXXX and XXXX report these fraudulent accounts on my report. According to the Section 609 ( e ) of FCRA, I am entitled to ask for a copy of the original signed application contract as well as any other transactions on record Chase Card Services used to determine the accuracy of information reported. 

Furthermore, as a person that is a victim of Identity Theft by both a known suspect and XXXX Data Breach, with supporting documents, it is discomforting to know how I am currently homeless as a result of the damages done by others. 

In closing, the letter I received from Chase Card Services regarding their " investigation reporting accuracy '' the XXXX XXXX XXXX and phone number is also inaccurate. Luckily I double checked just to verify sending my personal information to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
Kay jewelers sued me to court for debt owned, sold my debt without proper approval from consumer and debt was satisfied with law firm ( XXXX, XXXX, XXXX ) hired by Kay jewelers. Kay jewelers is still sending me invoice of debt owned even after account is cleared out and no other payment is owned. This is violation as account is being paid off, court case is being dismissed as law firm received every payment requested. 

15 U.S. Code $ 1679c states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C.

1681 ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-10-09 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: Experian Information Solutions Inc.
State: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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