vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: KEYCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX File Number XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX in Compliance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX Account XXXX Reported 30 days late. 
XXXX I was a victim of identity theft in XX/XX/XXXX. My chequeing account number was being used for unauthorized ACH transactions. My funds were frozen in XXXX and XXXX. Key Bank was notified but they didn't care.

The credit bureaus listed REFUSED to contact Key Bank and complete a valid investigation of the series of events. 
The Credit Bureaus have REFUSED to add my own XXXX word statement on my credit report. 
XXXX froze my credit report XX/XX/XXXX WITHOUT MY CONSENT OR REQUEST. 

COMPLAINT : XXXX  NONCOMPLIANCE OF THE FAIR CREDIT REPORTING ACT. 

Bank with breached account : XXXX XXXX Savings Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX  : XXXX ( breached account, present account has new number )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting 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:
I received a letter in XX/XX/year> stating that I had been part of XXXX XXXX people that were affected by a data breach for XXXX XXXX or XXXX XXXX The letter had an engagement number on it although I lost that letter but I did in experian identity that was provided to me by XXXX XXXX XXXX and {$1.00} XXXX policy however never paid out, Ive been through homelessness with no vehicle back to an abusive situation because I didnt have the credit score to support any kind of living situation. My children are now living with my mother and I need to buy a house currently. My credit score is gone from a XXXX to less than XXXX at times they were over 300 inquiries on my credit report on each bureau. All of my credit accounts were taken over my bank account was taken over and all yall did was provide me with a measly {$1.00} XXXX policy that never paid a XXXX XXXX. I have made two claims that were valid and shouldve been paid with experience identity Work that was provided to me by XXXX XXXX or XXXX XXXX XXXX now Im told that I cant even contact the legal department. The year was Experian XXXX works us up and all Ive done is remove 270 inquiries in XXXX fell swoop, which tells me they couldve done that with all of these credit accounts I made two claims with Experian identity works that I want paid out by XXXX XXXX XXXX because they are responsible for every single thing that I am talking about

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/2024 I was unable to log into my XXXX XXXX XXXX Account at all and I kept getting emails about their system being temporarily down and in order to make my payment I had to go into a branch to make my payment which I have. I have made several payments and have brought down my balance significantly but it has not been reflected on my credit report. In fact, the last update to my balance on my credit card shows XX/XX/2024 which is severly harming my credit score and chances to be approved for any sort of credit, and is severly impacting me as my financial situation is being incorrectly reported. I am unable to reach XXXX so I believe the credit bureaus should be responsible for reporting correct information or not report it at all as it is their responsibility to report correct information about my credit.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I received a letter in XX/XX/year> stating that I had been part of XXXX XXXX people that were affected by a data breach for Title Max or TMX finance. The letter had an engagement number on it although I lost that letter but I did in XXXX identity that was provided to me by Title Max finance and {$1.00} XXXX policy however never paid out, Ive been through homelessness with no vehicle back to an abusive situation because I didnt have the credit score to support any kind of living situation. My children are now living with my mother and I need to buy a house currently. My credit score is gone from a XXXX to less than XXXX at times they were over 300 inquiries on my credit report on each bureau. All of my credit accounts were taken over my bank account was taken over and all yall did was provide me with a measly {$1.00} XXXX policy that never paid a XXXX XXXX. I have made two claims that were valid and shouldve been paid with experience identity Work that was provided to me by Title Max or TMX fine finance now Im told that I cant even contact the legal department. The year was XXXX identity works us up and all Ive done is remove 270 inquiries in one fell swoop, which tells me they couldve done that with all of these credit accounts I made two claims with XXXX identity works that I want paid out by Title Max finance because they are responsible for every single thing that I am talking about

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
I received communication from a lawsuit company that protects consumers in regards to Velocity Investments " XXXX '' suing me. I was not notified nor was I severed with any legal documentation for this matter. I recently received a copy of my credit report and come to find out that XXXX negatively impacting my report. I did not authorize this account nor did I receive any communication in regards to this account. They violated my rights.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am writing to express my profound frustration and disappointment regarding the unresolved inaccurate items on my account. Despite multiple attempts to rectify this issue, the fraudulent charges remain, causing ongoing distress and financial inconvenience. This lack of resolution is unacceptable and has severely impacted my financial stability and trust in your institution. It is critical that this issue be escalated immediately within your organization. The persistent presence of erroneous transactions on my account is not only a misrepresentation of my financial history but also a potential security risk. I demand immediate and decisive action to resolve this matter. I require the following actions to be taken such as Immediate Removal of these accounts. If this issue won't be solve, l would have no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. The following items should be remove as soon as possible : XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX  Balance Owed : {$2400.00} ; XXXX XXXX XXXX  Balance Owed : {$13000.00} ; 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 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 Balance Owed : {$13000.00} ; 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 explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Long story short, I had a hospitalization and MRIs that left me with credit trouble. I had a credit card from XXXX XXXX which went to collections through Portfolio Recovery. 
Portfolio Recovery sued me and I didnt know it until I received ads from lawyers. So I made and am current on a payment arrangement with them. I thought this would stave off a lawsuit. When I looked up the case in casenet, I came to find out about a second lawsuit. This time it was for a credit card I never had. 
So I went to court I found out from their own lawyer that they should have sent me a paper to sign and return that would have stopped the lawsuit. When I had called the company prior to the court appearance ( twice ), they never mentioned any such paper. 
So I missed work ( for a new job ) and had to go to court for a debt that I was making payments on and next month I have a court date for a debt I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
XXXX : XXXX XX/XX/year> XXXX, XXXX, and XXXX Subject XXXX Dispute of Negative Items on Credit Report Dear Experian, XXXX, and XXXX I am writing to formally dispute the multiple negative items listed on my credit report, as provided by your agencies. I request a thorough investigation of these items, as I believe they are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

The negative items I wish to dispute are as follows : XXXX. XXXX XXXX ( XXXX, XXXX, Experian ) XXXX. XXXX Bank XXXX XXXX, Experian ) XXXX. XXXX XXXX ( XXXX, Experian ) XXXX. XXXX XXXX ( XXXX, Experian ) XXXX. XXXX XXXX Bank XXXX XXXX, Experian ) XXXX. XXXX XXXX XXXX XXXX XXXX, Experian ) XXXX. XXXX XXXX Bank XXXX XXXX, Experian ) XXXX. XXXX XXXX ( XXXX, Experian ) XXXX. ALL INQUIRIES NOT TIED TO AN ACTIVE ACCOUNT. 

These negative entries are related to adhesion contracts, which I believe are inherently unfair and may not represent a true reflection of my creditworthiness. I am requesting that you provide validation of these debts, including the original creditor information and any signed agreements.

Additionally, I have concerns regarding the involvement of your agencies in practices that may be construed as peonage. Peonage is an illegal system of involuntary servitude and is punishable under federal law. Should I find that these negative items are not only inaccurate but also tied to predatory practices, I will take further action to protect my rights.

Please investigate these matters and inform me of the results at your earliest convenience. I appreciate your attention to this issue, and I expect a response within the XXXX timeframe as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete these items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a XXXX clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

ACCOUNTS : 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 explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft, have filed a case with identity.gov and included report and request to have account removed, none complied.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft, have filed a case with identity.gov and included report and request to have account removed, none complied.

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 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Lockhart Morris and MontgomeryBE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 XXXXe : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with XXXX Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported accounts opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$2400.00}.

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