vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 COLLECTION ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX. I XXXX XXXX XXXX HARD INQUIRIES : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SOFT INQUIRIES : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Inquiry XXXX XXXX AUTO FINANCE Promotional Inquiry XXXX XXXX XXXX XXXX  Prequalification for Credit Card XXXX XXXX  XXXX XXXX XXXX to XXXX Report XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX, XXXX Direct to Consumer Report XXXX XXXXXXXX XXXX XXXX Promotional Inquiry XXXX XXXX XXXX Prequalification for Mortgage 10. EQUIFAX INFORMATION SVCS Automated Consumer Interview System 11.EQUIFAX INFORMATION SVCS Automated Consumer Interview System XXXX XXXX Account Review Inquiry XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX - Loan # : XXXX. A incorrect 30 day past due payment/negative alert was filed by XXXX on XXXX credit file with the experian credit bureau XXXX I mailed the payoff check to XXXX in XX/XX/2023, before the 30 day deadline and the loan is now paid off - in full. XXXX filed a " paid off '' with the credit bureaus in XX/XX/2023, and then AFTER it was paid off AND closed they then filed a 30 day past due on XX/XX/2023 with the bureaus AFTER my account was already marked paid off. This is unfair and should be illegal. How can an account be closed and " paid in full '' and then a creditor be allowed to file a late report AFTER the account is closed and how are credit bureaus allowing this. I have never been late in all the years I've had my loan and this negative report has severely impacted 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 2023-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Today on XX/XX/2023 I received a text message from XXXX that said the following, word for word, incorrect capitalization included : " MTB : Your request to close your account will be processed in 24 hours. if this was not you, Kindly REVALIDATE HERE XXXX '' After some googling, it appeared they were referencing an account with M & T Bank. I do not have an account there, but I called their customer service to be certain, and I don't. The XXXX XXXX redirects to a very suspect different address and login page. Just wanted to report this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
On XX/XX/23 Midland credit Management and I made an agreement to settle a collection of {$1400.00} paid in full and removed from my credit report for {$1100.00}. I was promised that a letter would be sent to me stated those details. The collection agency reported that I only paid XXXX which has still left a balance of {$340.00} on my credit report. They also stated that I would receive a letter in ten days after the payment was approved. It is now XX/XX/23 ( 16 days ) and I did not receive the letter stating that this debt is resolved in full and would be deleted from my credit report. 

Under an investigation to XXXX and XXXX and XXXX. All companies are refusing to remove the existing amount in full from my credit report even after showing them the noted ( Conversation ) I have with midland credit funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A-L FINANCIAL CORP
State: CA

Complaint narrative:
I have attempted to reach AL financial company about to resolve these issues. They hang up on me and speak rudely. They are putting me at a disadvantage by closing out the debt and reopening under a different company, causing my debt to re-age. I have written letters to have item removed and they have ignored me beyond repair. I have tried everything I can to fix this issue as my credit is holding my children and myself back from bettering our lives. This was added into collections in 2016 and re added every year after making my clock be extended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
My daughter was in an accident and had an emergency room visit on XX/XX/XXXX. After my insurance pad their part I was left owing {$380.00}. I paid this with my XXXX card directed the payment from my XXXX website XX/XX/XXXX the payment was made directly to the provider XXXX XXXX XXXX XXXX XXXX and the payment cleared with my XXXX provider on XX/XX/XXXX. I received a collection notice from XXXX XX/XX/XXXX. I emailed them with proof of the cleared payment and also Called and spoke with XXXX on XX/XX/XXXX who confirmed they received the information and were waiting for the dispute process to clear. XX/XX/XXXX I received ANOTHER collection notice from XXXX. I have emailed them again with the same information that had me provide them previously. This is ridiculous that I have to continue this same communication with them to protect my credit when they have BEEN paid for almost 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: NV

Complaint narrative:
I found multiple items on my credit report that I never applied for or ever had. I sent disputes letters information the reporting agencies of these inaccuracies and have not received any response to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I found multiple items on my credit report that I never applied for or ever had. I sent disputes letters information the reporting agencies of these inaccuracies and have not received any response to my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CO

Complaint narrative:
I'm a XXXX XXXX XXXX  and I was approached by an " investor '' who worked in Crypto Currency, who claimed to have $ XXXX to invest in a rental property. The first communication was via a phone call then after that it was all through XXXX. 
He said that he worked with a network of investors around the world with account balances in excess of $ XXXX and they all worked together to trade simultaneously and move the market. I tried investing {$1000.00}. I sent it to XXXX via wire and there it was exchanged for crypto currency and from there it was transferred to a XXXX XXXX where an exchange named XXXX was accessed through a " XXXX XXXX ''. The first investment went so well that I decided to invest more $ XXXX and of course the gains were astounding. At that point I told him that I needed to be able to withdrawal funds and of course he helped me with that. This went on for a while to the point where I had invested app $ XXXX. My account balance at that point was {>= $1,000,000}. He directed me into a trade for $ XXXX and it happened very quickly. I made the trade and at that point he called me right away to say I had to deposit another $ XXXX to protect the option trade. I told him that wasn't possible and we would just have to wait until the trade closed in XXXX to see what happens. At that point he deposited $ XXXX into my account to boost the balance to $ XXXX. Just before the trade was set to expire, he called me and again he tried to get me to deposit an additional $ XXXX and or trade at least the last $ XXXX in my account and I told him no I was done. 
The trade finished and of course it was bad and I lost the $ XXXX. In retro spec I'm certain that the XXXX trading platform was fictitious and there were never any real trades made. 
The next step was to try to withdrawal the remaining $ XXXX in my account. I submitted a withdrawal request with XXXX and waited for about 4 hours then I contacted their tech support through the app. The response I received was that since this was the first large withdrawal from my account I had to provide a 20 % deposit to " prove funds '' within 3 days or my funds would be frozen on the block chain for 90days. I was desperate for the funds so I made the deposit. At that point they said I was number 945 in the que for withdrawals and I had to be patient ... of course for a fee of $ XXXX I could achieve super account status and receive my withdrawal in 15 mins. I did not make the final $ XXXX deposit it became obvious at that point that it was a total scam. I have screen shots of all of this that I am glad to share. This was an amazingly well organized scam. I lost $ XXXX ... ..my life 's savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
this is my name and my address that need to be on my credit report social seurity number XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX n.c XXXX/ XXXX/ this need to be on all credit reporting agencies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
Attempting to collect a debt that has not been validated and they are in violation of Texas Finance Code 392.101 Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

I have also filed a complaint with the State Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXXXXXX XXXXXXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX  XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: SANTANDER HOLDINGS USA, INC.
State: HI

Complaint narrative:
Chrysler Capital was my lien holder for my XXXX XXXX XXXX XXXX XXXX I paid on time for 16 months from XX/XX/XXXX to XX/XX/XXXX when the car was sold, and it never once was reported onto my credit report. Their website clearly states that they will report credit information to all 3 bureaus but they never once did. I called them every other month as I was paying on time to ask about this and they kept saying they will do it it but never still ever did. Later when selling my car after an accident the loan still hasnt ever been reported or shown on my credit report. Please help ; I got this car to build my credit and I need your help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
There are two inquiries on my credit report that I do not recognize or gave any permission to use of my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This Capital One account ending in XXXX was included in a US Bankruptcy XXXX XXXX case # XXXX, 100 % pay plan, renegotiate interest on this account only. 
This automotive finance agreement contract dollar amount was renegotiated with Capital One and was agreed to by all parties including Capital One ( see attached ). 
See attached document from the US Bankruptcy Court stating that all Debtors ( including Capital One ) have completed all payments due under their XXXX  XXXX plan, marked completed and closed by courts. 
See attached document Capital One US court accounting paid as agreed, {$9100.00} See attached letter from Capital One glossing over the fact they had a new contract with the US Courts voiding the old contract they sent with my previous compliant with the CFPB. 
See attached Capital One released financed Vehicle title XX/XX/2021 as a signal to completing the new financial agreement with the US bankruptcy courts not the old Capital One contract, that Cap One keeps referring to as the current agreement. 
Capital One continues to report this account to XXXX, XXXX and XXXX as an open account with a balance. 
This account has been 100 % paid ( CLOSED & COMPLETED/NOT TERMINATED ) as agreed with Capital One, the US Courts say so. I believe Capital One thinks I owe them a balance and keeps showing the original contract however Capital One is carful to say in there letter this not an attempt to collect and yet they are reporting to all three credit bureaus as an open account with a balance dragging my credit down and causing financial harm to me by reporting inaccurate and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. This account is also reporting inaccurate accross all 3 reporting agencies. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 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: TX

Complaint narrative:
When i reviewed my credit report, i noticed that some of the information is erroneous and inaccurate. 
The items in question are : 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 The credit reporting agency must validate these items in line with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Failing to properly verify these items asked in the dispute without providing proof within the period allowed by law is in violation of my rights under FCRA! 
I sent Experian a letter asking for verification of accounts XX/XX/XXXX in which Experian replied with the accounts have been verified as accurate and closed the dispute. As a follow up i sent a letter in response to them, asking how they verified these accounts on XX/XX/XXXX. I received response via Experian website where i have an account to track my report and they verified these same accounts as accurate. These accounts on my credit report are statused INCLUDED IN BANKRUPTCY. I have pointed out to Experian that there is no Bankruptcy reported on my credit report in the letter i sent XX/XX/XXXX but i still received a verified response with no proof of verification. Section 15 USC 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. Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information, other than records by more than seven years. 
Experian has violated my rights under FAIR CREDIT REPORTING ACT on numerous occasions and the erroneous information has been injurious to my credit, by listing accounts that i have mentioned above and i demand these items are removed from my credit report immedietly! I am a ligatious consumer and fully intend to pursue ligation in this matter to enforce my rights under FCRA. 
Please see the attached correspondence that i sent to EXPERIAN as well as the CREDIT REPORT from XX/XX/XXXX ( the date of this complaint ) showing the highlighted accounts i included as well as the public records where there is no bankruptcy!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX 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