vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 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: Conn's, Inc.
State: LA

Complaint narrative:
I have disputed the following accounts multiple times with XXXX and they have come back verified and updated. The following accounts have been re-aged and according to the FTC, FCRA, it is illegal to re-age debt. Conns Account # XXXX XXXX Account # XXXX. XXXX is reporting a payment history in XXXX when this account was paid and closed in XX/XX/XXXX. The account also states that it is open when it is in fact closed. There should be no reporting after the date closed. Conns is reporting 20 late payments and the first major delinquency date changed to XXXX. This account was also closed in XXXX. Which means the date was changed on both of these accounts and the debt was re-aged. My next response will be with a lawyer as this is bringing down my credit score. These accounts are inaccurate and unverifiable so they need to be removed immediately. I have attached a copy of my drivers license and utility bill for ID purposes. I will also be reporting this to the FTC for failure to investigate properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: PA

Complaint narrative:
I sent in various letters stating the law and why it is illegal for unauthorized accounts that were furnished on my report without my consent needed to be removed. The reporting agencies have not removed these accounts that have been illegally furnished on my account. I sent in notarized affidavits along with my FTC reports and other documents I will upload here. These documents were sent to XXXX, XXXX, and Transunion. The accounts are still on my consumer report and I am going to take my documentation to the courts and sue for every violation that is on my consumer report. 

I would like to state that XXXX, XXXX, and Transunion are in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave written consent to report anything on my consumer report. No consent is identity theft. The items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow XXXX, XXXX and Transunion to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX, XXXX and Transunion wants to continue doing business with me they should delete the unauthorized items from 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
Consumer complaint received 2022-04-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent in various letters stating the law and why it is illegal for unauthorized accounts that were furnished on my report without my consent needed to be removed. The reporting agencies have not removed these accounts that have been illegally furnished on my account. I sent in notarized affidavits along with my FTC reports and other documents I will upload here. These documents were sent to XXXX, Equifax, and XXXX. The accounts are still on my consumer report and I am going to take my documentation to the courts and sue for every violation that is on my consumer report. 

I would like to state that XXXX, Equifax, and XXXX are in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave written consent to report anything on my consumer report. No consent is identity theft. The items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow XXXX, equifax and XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX, Equifax and XXXX wants to continue doing business with me they should delete the unauthorized items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone applied for loans from XXXX XXXX XXXX  and XXXX XXXX  DBA XXXX XXXX. Now there are a total of 4 hard inquiries on my credit report that need to be removed.

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 2022-04-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone applied for loans from XXXX XXXX XXXX and XXXX XXXX  DBA XXXX XXXX. Now there are a total of 4 hard inquiries on my credit report that need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: FL

Complaint narrative:
Someone applied for loans from XXXX XXXX XXXX  and XXXX XXXX  DBA XXXX XXXX. Now there are a total of 4 hard inquiries on my credit report that need to be removed.

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 2022-04-04 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Please update this account completely from my Credit 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 2022-04-04 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Please update this account completely from my Credit XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I faxed a letter and mailed a letter to remove my fraud alert and it still remains on my account. I just want this fraud alert removed this process should not take 3 months to complete.

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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My debit card was fraudulently charged {$1500.00} by XXXX in New York. I complained and was only credited {$540.00} and I was told that they determined there wasn't an error on the transaction ( s ) totaling {$1000.00}. At first they credited me back the whole amount and said if they provide evidence that my charge ( s ) is valid, it will be removed. I don't feel I got a logical explanation as to how this was determined. I do not have an XXXX Account and I live in New Jersey. I don't understand how they feel some of the charges were fraudulent but not all of them. I have been fighting these charges for months. The last letter I received from BOA last month stated " unfortunately, we're unable to approve your recent claim. The charge was authorized by you or made by someone who has permission to use the card or account. '' They have not told me how they came to this decision or shown me any proof that I gave someone permission to use my card. This has caused a financial burden for me. These charges were taken monthly from my debit card for a few months before I realized and never in my life have I ever dealt with XXXX nor do I know anyone that has this service so I did not authorize anyone to use my card.

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 monetary relief
Consumer complaint received 2022-04-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a federally protected consumer. I know my rights and I understand the law and what it entails. I sent in dispute letters requesting fraudulent items to be removed from my consumer report. It has been over 30 days and the items are still furnished on my consumer report. Pursuant to 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX, Experian, and XXXX written consent to report anything on my consumer report. No consent is identity theft! If they are not removed I will no longer extend my credit or allow XXXX, Experian, and XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Experian, XXXX, And XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. There is no way an account that a medical bill breaking my rights due to HIPAA should be placed on my consumer report this is illegal. As well as an account that is a part of a finance charge which is violation my rights and I am owed {$1000.00} per violation for. If Experian, XXXX, And XXXX wants to continue doing business with me they should delete the inaccurate accounts from 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
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
1 am so puzzled of what is happening with you ( CFPB ) and the bureau ( XXXX and XXXX ). I've submitted this complaint 4 times & you are claiming it's being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & XXXX and XXXXwith an affidavit & FTC fraudulent report to support my position. It seems XXXX and XXXX are violating FCRA sections 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like the account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see that this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks LVNV FUNDING LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: MT

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the account completely from my Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2006 Balance {$7000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 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: MT

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please block/remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance $ XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 XXXX $ XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance $ XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance $ 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 2022-04-04 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: MT

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, It's already been paid the company agreed to removed/delete it. Please remove/delete the following accounts completely from my Credit Reports : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Grace Period, Inc.
State: FL

Complaint narrative:
hello this XXXX XXXX need guidance where is my money going i dont give out my information online like that so i thinking something or someone useing my name or doing fraud i live in XXXX fl

Company response to consumer: Untimely response
Consumer complaint received 2022-04-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX2020 there is a unauthorized inquiry from XXXX Bank on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: MT

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, It's already been paid the company agreed to removed/delete it. Please remove/delete the following accounts completely from my Credit Reports : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: MT

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please block/remove the following accounts completely from my Credit Reports : XXXX XXXX  XXXX Date opened XX/XX/2021 Balance {$420.00} XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance {$560.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: MT

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the account completely from my Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2006 Balance {$7000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation