vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax claims that XXXX # XXXX was VERIFIED AS ACCURATE. I received a response from XXXX  # XXXX on XX/XX/2023 that stated the company is no longer servicing this account and thereby is not possible to be verified. The correspondence from XXXX has been attached. In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TN

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-03-19 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: DISCOVER BANK
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
As of XXXX XXXX Portfolio Recovery had reported on my credit report an account of {$2700.00} as a collection. I have spoken with the company, I have requested a validation of debt many times, and the company has failed to provide me with such documents. The company had contacted several family members and after I have requested to be contacted through mail only. I continue to receive calls at all hours and account still shows as collection on my credit report.I would like the company to delete such account from my report since they have failed to provide a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 
15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. Section 604 A Section 2. It also states a consumer reporting agency can not furnis a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
i XXXX XXXX do not owe portfolio recovery any money they are debt collector that buys debt but i dont have a signed contract with them they need to delete this item off my credit report asap delete this asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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:
I have been disputing the bankruptcy information on my credit report for quite some time with all three credit reporting bureaus. XXXX and XXXX have both removed the information from credit report based on the documentation and disputes sent directly to them from XXXX. Experian has been a different story. They've told me they can't remove the information because XXXX has to do so. XXXX has stated once the information is no longer on my consumer report, the credit reporting bureaus have to remove it within their own systems. XXXX disputed this information for me once again with Experian on XX/XX/23 and stated they removed the disputed information from my consumer file. According to my credit report with Experian, it states - " If your report contains public records, it includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. '' XXXX the third party vendor they utilize removed the information, disputed it with Experian and they have still refused to remove this from my credit report which is a violation of my rights. Information not held in my consumer report CAN NOT BE placed 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 2023-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO Harris Bank cashed the check without confirmation of proper ID. 

I was expecting a bonus check for {$3000.00} from XXXX XXXX XXXX after 90 days of employment with XXXX XXXX. The check was sent to XXXX XXXX XXXX in XXXX XXXX, IL XXXX, which is the address that I was supposed to lease, and I notified XXXX via email of my new address on XX/XX/XXXX and on XX/XX/XXXX. XXXX XXXX of XXXX never updated my new address. The check was sent to XXXX XXXX XXXX, XXXX XXXX, IL XXXX, and the occupants at XXXX XXXX XXXX stole the check and forged my name. The check was cashed at BMO Harris on XX/XX/XXXX. 
XXXX XXXX is the bank for XXXX XXXX XXXX, and they will not reissue the check until they are reimbursed by BMO Harris. 

Thank you!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I shut down my Bank of America XXXX Account after years of poor service. They did not inform me that this would affect an auto-pay that I had set-up on one of their Bank of America Credit Cards . {$3.00} was charged to that credit card on an exisitng subscription. Because the autopay was closed without my knowing, the payment was past due. Bank of America never reached out to me to try and collect this {$3.00}. Bank of America charged me more than twice that amount in fees, also without informing me. After 60 days, Bank of America reported me to a credit agency, thereby signficantly affecting my credit score. On exactly 60 days due, as soon as I got a notifciation ( from the credit agency, not Bank of America ) that I had a {$3.00} past due pay amount, I paid it instantly. 

Bank of America has meaningfully affected my life and ability to attain a mortgage ( I am home buying ) by reporting me to a credit agency over {$3.00} that they a ) did not reach out to me to collect and b ) cancelled the autopay themselevs

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 2023-03-19 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: TX

Complaint narrative:
My credit score decreased and nothing has changed except payment on time and decease in balances, the score dropped even though my history has improved

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 2023-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
The XXXX XXXX XXXX was returned back to XXXX due to covid in XXXX of XXXX Also, this account has been closed since XX/XX/XXXX. However, they still failed to report the true balance. They reported the full balance of the car when it was on the showroom floor back in XX/XX/XXXX for {$20000.00}, which is also when the account was opened in XXXX the state of Illinois. XXXX XXXX XXXX sold the XXXX XXXX on XX/XX/XXXX, at an auction and received the amount of {$8000.00} or more. XXXX has failed to report the selling of the vehicle and also failed to report it to the credit agency purposely misleading others regarding this matter. This is a bad act of practice on XXXX XXXX XXXX 
I do not owe this amount therefore it should be deleted forever, This account has been deleted from my credit report several times and added back by the company. This account is right at 7 years and has been displaying the wrong information for quite some time. Now they are threatening to sell or has already sold this bogus account to NCB Management Services that displays I opened it on XX/XX/XXXX and owe them {$20000.00} now this isn't me either never purchased a XXXX XXXX XXXX on XX/XX/XXXX NCB is also included in this complaint as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I XXXX do not owe XXXX any money. They are reporting a XXXX balance on my credit report. I want the, to delete this from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I XXXX do not owe XXXX any money. They are reporting a XXXX balance on my credit report. I want the, to delete this from my credit report ASAP

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 2023-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
I am struggling to repay all of my loans with XXXX who is the original loan entity that disbursed my student loans. Weltman, Weinberg & Reis Co. LPA . is the entity that is the debt collector on behalf of XXXX. I have been struggling to have stable employment and currently work but still still struggle financially. I am able to do a lower payment for the following loan number XXXX, the one time lower payment I can afford is {$300.00}. Reference number XXXX For the following loans I can not provide payments until my employment is stable. 

Loan number XXXX Reference number XXXX Loan number XXXX Reference number XXXX Please do not send mail to XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX because I no longer reside at that mailing address. My current and only mailing address is XXXX XXXX XXXX XXXX XXXX, IL XXXX. All mail should be addressed to my XXXX XXXX and not my co-signer. Please remove my co-signer since I have completed a loan payment. The loan repayment that I completed is LOAN NUMBER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: FL

Complaint narrative:
Experian has erroneously reported a XXXX account to my credit report when it is under legal investigation with a law firm. Over 7 letters have been sent between me and the law firm. XXXX and XXXX have removed this account and do not report on it. Experian refuses to investigate further and asks the creditor if the account exists. They violate the following : 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 XXXX XXXX The Fair Credit Reporting Act ( 15 USC 1681 ), in conjunction with The Fair Credit Billing Act ( 15 USC 1601 ), states that when the alleged debt is in dispute and the debtor is represented by an attorney, the creditor may not report the debt as delinquent.

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 an 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 or 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 2023-03-19 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I disputed my account for not reporting paid in full months afterwards. It was then deleted off of my records and my name was removed from the joint account that was removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have reach out to them numerous times and information continues to change. I'm showing late payments, account still open. 
Bankruptcy case # XXXX. It is affecting my credit score very badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: CA

Complaint narrative:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
On Tuesday, XX/XX/XXXX I walked into XXXX XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, Indiana inquiring about a XXXX XXXX XXXX. I was told I could be given financing options without affect to my credit score, hereinafter referred to as a credit soft-pull. I agreed to this credit soft-pull to mull my options only to find on the XXXX of that month that a hard pull on my credit had had been initiated by XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Acceptance Corporation in XXXX, Michigan. The company, XXXX XXXX XXXX XXXX XXXX, through a representative, XXXX XXXX, and I exchanged messages as it tried to secure the sale on the XXXX. I made note of the hard-pull mistake and declined to do business with them in those messages. No effort has been made on their part to rectify this mistake.

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 2023-03-20 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: Global Lending Services LLC
State: IL

Complaint narrative:
I have a loan for a vehicle that i have never had along with an address that i have never resided in.The amount for the vehicle was around {$18000.00} and the amount that it says is delinquent is around {$9800.00} The lender is Global lending

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: VA

Complaint narrative:
On XX/XX/XXXX I disputed several personal addresses and collection/charge off accounts on my credit report. On XX/XX/XXXX I received notification from Experian that the accounts have been verified. The Law states that the items disputed need to be removed within 4 days of receiving my complaint. 

Experian is violating Section 604 15 U.S. Code 1681 B which states the credit reporting agencies dont have the right to report anything on my credit report without my written consent. 

Experian is also violating Section 605 A 15 U.S. Code 1681 C-1 Without my consent means identity theft Experian is also violating Section 605 B 15 U.S. Code 1681 C-2 Experian was notified that the disputed accounts was a result of identity theft and I didnt consent to the accounts being on my credit report and Experian still has not removed the accounts from my report Experian is also violating 15 U.S. Code 1666

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 2023-03-20 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: LEXISNEXIS
State: AR

Complaint narrative:
On, XX/XX/2023. I submitted a letter to LexisNexis Risk Management for falsely reporting information from the Bankruptcy Court to the credit bureaus. I have informed LexisNexis to remove this inaccurate information from their database. LexisNexis has violated Congress Laws of FCRA. LexisNexis did not have a Permissible purpose nor did they have my written instruction.

1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction According to the letter I have received from XXXX  XXXX Bankruptcy Court , they do not furnish or report information to third parties.

Company response to consumer: Closed with non-monetary relief