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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts was charged off XXXXXXXX XXXX XXXX XXXX  XXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXX XXXX  XXXX Account number XXXX, XXXXXXXX XXXX XXXX  Account XXXX : XXXX Best Regards, XXXX XXXX

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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have submitted multiple certified letters with documentation showing that a public record on my credit report should not be on my credit reports. Additionally, I sent letters to the 3rd party company that the credit bureaus state they verified the information with, and the 3rd party company - XXXX- sent me a letter stating that the bankruptcy information listed on my credit reports is unverifiable and has been deleted. The 3 major credit bureaus refuse to delete this bogus information from my credit reports even after sending them the proof stating it should not be there.

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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian did not do a proper investigation I demand proof that these counts are indeed accurate according to fcra compliance. 



Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : This letter is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 
Police and fire Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account # XXXX XXXX Account XXXX Police and fire Account # XXXX XXXX XXXX XXXX / XXXX Account # XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 

Sincerely, 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 2023-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax was submitted information and court documents involving XXXX XXXX XXXX fraudulent claim of debt owed to the XXXX XXXX XXXX in the amount of {$7600.00}. When contacted on results of the dispute Equifax verified debt with collector even though the court documents and dispute letter provided to collector was certified mailed to them. Equifax then states I have to get a deletion letter from the collector to have it removed which I told them they are aware of everything and have also recieved certified mailed court documents and several dispute letters stating I dont owe this debt the XXXX XXXX XXXX was in litigation with me over the matter and on XX/XX/ I was awarded XXXX that still hasnt been paid. Plz refer to complaints involved on matter XXXX also XXXX.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of a violation of the laws pertaining to the protection of personal information. My name is XXXX XXXX, and I am filing a complaint against XXXX XXXX and Transunion as a natural person who has experienced identity theft. These businesses violated my right to privacy by accessing my consumer report without getting my permission or approval in writing. They have also given other companies access to my non-public personal information. It is outrageous that XXXX XXXX and Transunion are in clear breach of my right to privacy as a customer. of the Gramm leach Bliley Act of 1999, and the FCRA. pursuit to 115 U.S Code 1681c-2 Block of information resulting from identity theft. They did not handle their responsibility of protecting my non-personal data with impartiality and respect. please delete all these accounts. 

Account # XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 victim of a violation of the laws pertaining to the protection of personal information. My name is XXXX XXXX, and I am filing a complaint against XXXX Equifax and XXXX as a natural person who has experienced identity theft. These businesses violated my right to privacy by accessing my consumer report without getting my permission or approval in writing. They have also given other companies access to my non-public personal information. It is outrageous that XXXX Equifax and XXXX are in clear breach of my right to privacy as a customer. of the Gramm leach Bliley Act of 1999, and the FCRA. pursuit to 115 U.S Code 1681c-2 Block of information resulting from identity theft. They did not handle their responsibility of protecting my non-personal data with impartiality and respect. please delete all these accounts. 

Account # XXXX Account # 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 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-04-09 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:
An XXXX account, XXXX, for which I was an authorized user on is inaccurately reporting on my credit report and violates my consumer rights per the following information : There are a few inconsistencies between the three credit bureaus in the account information provided. The most significant inconsistency is that the account is reported as closed on TransUnion and open on XXXX. This violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ), which requires that credit bureaus report accurate information about the status of an account. 

Additionally, there is a discrepancy in the reported high credit between TransUnion and XXXX. TransUnion reports a high credit of {$0.00}, while XXXX reports a high credit of {$7100.00}. This inconsistency violates FCRA Section 607 ( b ), which requires credit bureaus to report complete and accurate information. 

Finally, the reported date of last activity and date of last payment also differ between TransUnion and XXXX. TransUnion reports a last active date of XX/XX/, while XXXX reports a last active date of XX/XX/. Similarly, TransUnion reports no date of last payment, while XXXX has no data on the date of last payment. These inconsistencies violate FCRA Section 623 ( a ) ( 1 ), which requires credit bureaus to report complete and accurate information about a consumer 's credit history and can harm the consumers ability to obtain lending.

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: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I have submitted multiple certified letters with documentation showing that a public record on my credit report should not be on my credit reports. Additionally, I sent letters to the 3rd party company that the credit bureaus state they verified the information with, and the 3rd party company - XXXX- sent me a letter stating that the bankruptcy information listed on my credit reports is unverifiable and has been deleted. The 3 major credit bureaus refuse to delete this bogus information from my credit reports even after sending them the proof stating it should not be there.

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: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I have submitted multiple certified letters with documentation showing that a public record on my credit report should not be on my credit reports. Additionally, I sent letters to the 3rd party company that the credit bureaus state they verified the information with, and the 3rd party company - XXXX- sent me a letter stating that the bankruptcy information listed on my credit reports is unverifiable and has been deleted. The 3 major credit bureaus refuse to delete this bogus information from my credit reports even after sending them the proof stating it should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
CLAIM ID - XXXX REQUEST - TO REOPEN AND REDO INVESTIGATION OF CLAIM ID Client Name - XXXX XXXX XXXX of Birth - XX/XX/ Address on file - XXXX XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX Address referenced on the police report - XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date - XX/XX/ TO - BANK OF AMERICA CLAIMS AND RESOLUTIONS ASSOCIATE REQUEST - TO REOPEN AND REDO INVESTIGATION OF CLAIM ID CLAIM ID - XXXX CLAIM AMOUNT - {$4400.00} REASONING FOR REINVESTIGATION - REASONING FOR REDOING THE CLAIM REASON - CLAIM NEEDS TO BE RESEARCHED. THE ATTORNEY AND THE NEW JERSEY COMMISSIONER 'S OFFICE OF BANKING WILL PULL AND SUE IF UNREASONABLE. PROVISIONAL CREDIT NEEDS TO BE APPLIED DURING RESEARCH NYPD POLICE REPORT PROVES THAT BOTH AIRLINE PASSENGERS AT TSA CHECK WITNESSED, XXXX XXXX ITEM STOLEN. PERSONAL ITEMS INCLUDE- AN XXXX, WALLET WITH BANK OF AMERICA DEBIT CARD, AND XXXX XXXX. 
THE NYPD POLICE REPORT PROVIDED TSA SECURITY FOOTAGE LATER PROVED THAT INDEED, XXXX XXXX VITAL DOCUMENTS INCLUDING THE BANK OF AMERICA DEBIT CARD INSIDE HIS WALLET WERE STOLEN AND USED. 
XXXX XXXX, WAS IN XXXX FROM XX/XX/ TO XX/XX/, SO ANY TO ALL NOTIFICATIONS FROM BANK OF AMERICA WERE NOT RECEIVED BECAUSE HE WAS IN XXXX. 
THE NEGATIVE HISTORY BANK OF AMERICA INC. HAS WITH ITS CLIENTS, AS REPORTED BY SEVERAL NEWS COMPANIES. AND SUCH THE MILLIONS OF FINES BANK OF AMERICA INC. HAD TO PAY. 
THOUSANDS OF REAL REVIEWS FROM Bank of America CLIENTS IN WHICH THEY STATED THE FRAUD DETECTION SERVICE PROVIDED IS INADEQUATE AND DOWNRIGHT BAD.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I'm trying to transfer my funds out of robinhood because I have documentation of them consistently defrauding me as part of their ongoing business operations. They are now lying to me about ACAT limitations and lying to the receiving bank about the number of shares in my account. When I connect with XXXX only my spending account is shown, but I can not connect my brokerage account. 

Robinhood is holding my funds hostage and continuing to charge me fees, even though they have defrauded me and are in violation of their terms of service.

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:
An XXXX account, XXXX, for which I was an authorized user on is inaccurately reporting on my credit report and violates my consumer rights per the following information : There are a few inconsistencies between the three credit bureaus in the account information provided. The most significant inconsistency is that the account is reported as closed on XXXX and open on Experian. This violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ), which requires that credit bureaus report accurate information about the status of an account. 

Additionally, there is a discrepancy in the reported high credit between XXXX and XXXX. XXXX reports a high credit of {$0.00}, while XXXX reports a high credit of {$7100.00}. This inconsistency violates FCRA Section 607 ( b ), which requires credit bureaus to report complete and accurate information. 

Finally, the reported date of last activity and date of last payment also differ between XXXX and Experian. XXXX reports a last active date of XX/XX/, while Experian reports a last active date of XX/XX/. Similarly, XXXX reports no date of last payment, while Experian has no data on the date of last payment. These inconsistencies violate FCRA Section 623 ( a ) ( 1 ), which requires credit bureaus to report complete and accurate information about a consumer 's credit history and can harm the consumers ability to obtain lending.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XXXX XXXX cfpb resolved my complaint which involves and includes National Credit Adjusters. On XXXX XXXX reported it as accurate and is upholding the status. I've disputed this before with XXXX and NCA failed to provide proof of this debt and XXXX was made aware of this because i called and complained about it due to it was still being reported. NCA failed to provide any proof within the allowed time frame which according to USC 1681 A Sec 2 they must provide proof of the debt within 15 days. NCA failed to do that and the debt should have been removed from my consumer report and it wasn't. This was the reason the new complaint was opened. CFPB closed this complaint with a removed/deleted status. However, XXXX came back a few days later with a valid and remains status. NCA adjusters is also reporting this collection with a balance which is also illegal due to you can not report a collection with a balance and requires it to be removed. XXXX is not following any of these protocols. I would like XXXX as well as NCA adjusters to remove this from my consumer report and to not report this on my consumer report again. At this point they are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Data Finance, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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. 

Personify Financial XXXX XXXX US Department of Education

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
As of XX/XX/, Equifax shows no information about me ( personally ) or any credit information relating to me on-line. This is the 2nd time in ( 60 ) days that this has happened. Why has my complete file disappeared from their on-line records? I have no issues with XXXX or XXXX XXXX I am requesting they check their records and tend to this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
i was XXXX XXXX XXXX XXXX my wallet was took i contacted police right away after was falsely XXXX and given XXXX years when released i notice this account i sent in police report even my release papetrs id for another state please explain to me what info you are using to verify this information i would like to resolve this soon or i will see you in court thanks

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Numerous of unauthorized hard inquiries on my credit report from Transunion and XXXX. I've tried to call Transunion to get these inquiries removed but they keep denying.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation