vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX is showing an inaccurate balance owed of {$4000.00}. I disputed this inaccuracies with Experian, XXXX and XXXX. XXXX XXXX XXXX has verified and certified the furnished information is accurate. I then did my own investigation and determined that XXXX does not own this account anymore. They sold this account to XXXX and charged it off. As a result of that sale XXXX credit lawfully has to update my consumer report to {$0.00} balance. I owe no money to XXXX credit since they no longer have ownership of the account. The FCRA requires furnishers to furnish accurate infomation. The FCRA also requires XXXX credit to investigate disputes. I tried calling the listed number on my consumer report and they refuse to help me because they said they no longer hold the account. This inaccurate reporting is a violation of 15 USC 1681 also since they failed to complete their duty to update the consumer reporting agencies this is another violation and noncompliance with the FCRA. Also when i filed my dispute with the consumer reporting agencies and the dispute was forwarded to XXXX XXXX they verified the inaccurate information instead of doing a reasonable investigation which is another violation of the FCRA.

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 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent letters to the respective agency last XX/XX/2022, but up until now I haven't received any repose from them. I am very stressed right now and I felt being ignored and being taken advantage.

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 2022-10-04 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: PA

Complaint narrative:
I have sent letters to the respective agency last XX/XX/2022, but up until now I haven't received any repose from them. I am very stressed right now and I felt being ignored and being taken advantage.

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 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
I was contacted by Reliant Capitol solutions on XX/XX/2022 in regards to a community tax debt that is owed. The collector opened the call by threatening enforcement in his opening sentence. I at this time asked if he was a third party collector or worked for attorney generals office who was using to say enforcements through. He stated he worked for third party collection agency and not directly for community or attorney general so he did not follow any verification procedures or give me mini XXXX before disclosing debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: FL

Complaint narrative:
I found an investigation about incorrect items on my credit report on XX/XX/XXXX I havent got a response as well past 30 days from Trans Union XXXX and 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 2022-10-04 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: SC

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. 
Account name : XXXX XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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
Consumer complaint received 2022-10-04 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: TN

Complaint narrative:
THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS WHICH NEED TO BE REMOVED 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 non-monetary relief
Consumer complaint received 2022-10-04 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:
THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS WHICH NEED TO BE REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 for two different account Debt Validation letter was sent by me using certified USPS mail with a return request to Portfolio RecoveryAsscociates, LLC the completed request was never sent back to me, things such as * Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 
* Complete line-by-line accounting of alleged debt. 

Portfolio Recovery Associates LLC claims the unvalidated credit debt amounts for two separate accounts are {$6900.00} and {$600.00} ( as it illegally shows on my credit reports ). 

Portfolio Recovery Associates , LLC told my lawyer and me by letter that they believe they sent enough information. 

Also upon research on https : XXXX, it does NOT show that Portfolio Recovery Associates XXXX is Licensed to collect in Texas, yet they still ignored my attorney and I request to stop collection efforts along with never sending my completed debt validation request they still added it to credit reports which are damaging my reports illegally and wrongfully. 

I contacted my attorney and my attorney called me and informed me that " Portfolio Recovery Associates , LLC '' is violating Federal Law and that I should submit a complaint to the Federal Trade Commission. 

I have given Portfolio Recovery Associates almost a year now to make this right by removing these negative things from my report and life but they have yet to remove these negative reports from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As a result of the documents I have obtained, it is my belief the Credit Bureaus have not been reporting many of my accounts as they have been reported by the furnishers in a timely manner and they have been providing creditors a different report than they provide for me. It is my strong belief the Credit Bureaus have conspired against me in retaliation for previous lawsuits I have prevailed on against them and many more complaints I have filed, with their goal to cause me harm by keeping my credit score lower. 
Maybe I am crazy, huh? Well we will see! 
At present I have collected over 14 months of evidence to support my claim including the monthly XXXX XXXX XXXX use to report consumer accounts to the Credit Bureaus. 
I believe the CEOs and/or other executives are aware of this practice and approve of it as I have directly emailed executives of Experian, XXXX and XXXX so that they CAN NOT make a Plausible Deniability claim. I firmly believe, as do 94 % of All Americans, that Executives MUST be held accountable and the action taken against them MUST act as a deterrent. Doing so will prevent harm to 100s of millions of Americans and improve Corporate behavior which benefits all of America. 
With every complaint I make, Experian, XXXX XXXX XXXX all claim they report information when reported and as reported by the furnishers. Therefore, I must have copies of the AUDs from the furnishers and in this case XXXX XXXX. Otherwise I will be forced to include each furnisher in my imminent civil claim. If XXXX XXXX refuses to provide this information, which they have a legal obligation to provide I will file under the FOIA and then subpoena them. 
XXXX XXXX requesting XXXX XXXX to please provide to me a copy of the XXXX they forwarded to all three credit Bureaus for the months of XX/XX/2022, XX/XX/2022 & XX/XX/2022. 
( XXXX XXXX XXXX., or XXXX, means an automated, online form that Data Furnishers use to transmit interim maintenance requests to update or delete previously reported accounts. An XXXX is used by Data Furnishers who send it using e-OSCAR to all of the credit bureaus. ) If XXXX XXXX did not provide the Credit Bureaus with updated information for my account during those months, I am asking why not and what is their reporting policy. 
When account are not updated timely this has a negative effect on my credit score by the following : I do not get credit for recent monthly payments Account does not provide an accurate current balance I am robbed of the month 's payment history which if paid on time increases my credit score.

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/XXXX, I received an e-mail from XXXX Bank telling me that my checking account was overdrawn by {$3900.00}. When I checked my account statement, it told me that Barclays had made two {$4700.00} debits for my XXXX credit card payment. I checked my Barclays account to confirm that I had scheduled only one payment. I called Barclays to ask what had happened and the customer service rep said that there had been a computer problem, they were looking into it, but that there was nothing they could do to return the money to XXXX. The second payment to Barclays was not authorized. XXXX tried to stop the payment and I have to call XXXX to find out if they could do so.

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 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was sent a text message to look like a TD bank notification. The notification said that someone that I had enrolled someone for bill pay. It then had a link to block any further requests which I clicked. It sent to a website made to look like the TD bank website where it asked me to log in and enter very sensitive information such as my full name, DOB, and SSN, all of which I entered. Only after this did I realize that it was a scam. There was the a {$0.00} charge to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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 following list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  have violated my privacy rights as a consumer. 

I have a right to privacy 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 2022-10-04 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 following list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have violated my privacy rights as a consumer. 

I have a right to privacy 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
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I, XXXX XXXX, consumer, HEREBY DEMAND LVNV Funding LLC to comply with the Fair Debt Collection Practices Act15 U.S. Code 1692g ( b ) - Validation of debts. 

XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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:
THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS WHICH NEED TO BE REMOVED 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 non-monetary relief
Consumer complaint received 2022-10-04 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/22 I received an email from what I thought was XXXX stating that I submitted a payment that I did not authorize. I called the phone number on the email and spoke with a man identifying himself as XXXX XXXX, who I believed to be a XXXX representative. He asked me for my social security number and banking information so that he could access my XXXX account which I provided him with. Shortly after providing my information to XXXX XXXX, I received a phone call from my son who oversees my accounts to prevent this type of activity from occurring. He informed me that a XXXX payment for {$500.00} was submitted to XXXX XXXX, that I did not authorize or send. I quickly hung up with XXXX XXXX and called Chase to try to stop the activity. They froze my accounts. On XX/XX/22 Chase bank reversed the XXXX payment of {$500.00} to give me my money back. Then on XX/XX/22 chase bank reversed that payment resulting in a debit of {$500.00} after further investigation. When I spoke with them, they told me that by providing this man with my information, that authorized the XXXX transaction. 

I am XXXX XXXX XXXX with XXXX XXXX causing confusion and impacting my memory and ability to process things in the moment. My doctors believe I may be showing signs of XXXX and I am being medicated for these XXXX XXXX. I was confused, foggy minded, and truly believed I was speaking to XXXX XXXX from XXXX. I explained my cognitive challenges to Chase bank and they told me there was nothing they can do to help me. I did not authorize this payment and provided my information to this third-party while not in the right mindset. I was scammed and want my money back. By not giving me my money back, Chase bank is allowing elder abuse to occur!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Americas Car-Mart, Inc.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
To whom it may concern, I have been with TRUIST BANK for a long time, and I have always appreciated the good value and service I have received from TRUIST BANK. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would like to remain an active consumer of TRUIST BANK and will be happy to do so as soon as we get this matter cleared up. Will you kindly send it to me? 
confirmation that this erroneous late payment has been corrected, updated to paid as agreed and deleted from my credit report. 
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer 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