vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Dispute of Credit Reporting Agency Dear Sir/Madam , I am writing to file a formal dispute regarding the information listed on my credit report. I have made previous attempts to resolve the matter directly with Equifax, but have been unsuccessful in reaching a satisfactory resolution. 

I want to bring to your attention the following details regarding the dispute : Account Information : Name on Account : XXXX XXXX Account Number : XXXX XXXX Date of Incident : XX/XX/2023 After reviewing my credit profile on XX/XX/2023, I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was and account that I did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect hat the account is disputed and therefore a second validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no update and account is still reflecting on credit report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving this account belongs to me and all information is correct.

Enclosed with this letter are copies of relevant documents that support my claim.

I kindly request that the CFPB investigate this matter and take appropriate action to help resolve this dispute. Please keep me informed of any progress or communication with the financial institution regarding my complaint. 

Thank you for your attention to this matter. I appreciate your assistance in helping to resolve this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: CA

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

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states, 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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: MI

Complaint narrative:
Between XXXX and XXXX Someone at XXXXXXXX XXXX hacked into this credit card account XXXXXXXX XXXX  : XXXX and XXXX and transferred money to their accounts! I informed them that I did and authorize these transfers. They would not so I closed these accounts in XXXX of XXXX over 7 years ago. It still is showing up on my credit reports!!! Also XXXXXXXX XXXX in hacking into my accounts again!!!!

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hi I opened citizens bank checking account with promotion bonus $XXXX  have met the requirementsbut never get the $XXXX  bonus.
citizens bank website www.citizensbank.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
The company keeps restating the data is accurate- the major data problems Account Balance - moved out on time, didn't break my lease and the minor repairs needed didn't equal almost XXXX. The account was posted as an eviction which is very malicious and intended to keep me from getting other apartments i have been fighting with them since i moved out in 2019. When i did move in there was a list of problems/repairs that needed to be done and kept being ignored until right before i was getting ready to move out. The quality of work done in previous repairs caused some of the problems i experienced while living there. The ceramic tile in the bathroom was installed incorrectly leaving the tile vulnerable to weight and or normal wear and tear damage. The tile eventually cracked and needed to be replaced and caused one of my friends to get injured while standing on the tile. The door frame holding the front door was old and the places used to screw the door had become work so the front door had to be lifted to get it to close. It would not just close normally. The walls in the rest room were extremely thin so when the door was closed and shower was running the walls would be damp from moisture and over time small holes started appearing in the walls. The air conditioner went out in the unit and it took them several weeks to get a replacement installed even once that happened it was never cool as it was before. I asked if they had any fans at least they had nothing so i was forced to purchase a portable air conditioner for {$400.00} to use it caused me electrical problems as the unit required more power so other things had to be unplugged to use the unit. There was intermittent electrical outages The refrigerator went out and ruin all my frozen food and the perishable items in the main part this cost me XXXX XXXX XXXX to replace the lost food not to mention i was forced to eat fast food during the time it took them to make this repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
The company ( CONVERGENT ) called saying they were going to report a negative remark to my credit report if the amount wasn't paid in full ( {$1000.00} ). I received the call XX/XX/XXXX. I explained to the REP I didn't owe the amount they were claiming I owe. I asked the REP to send me proof that I owed the debt in question.

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 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: MO

Complaint narrative:
Called looking for a individual that does not have access to the phone number they are calling. Afni has been advised on multiple phone calls this is a wrong number and they continue to call. I have received to date 4 calls from afni and each call I have asked them to remove my number they disregard and continue to harass and call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax credit report shows the comment customer disputes after resolution fixed rate. I never filed a dispute related to this account with the credit bureau nor with the Department of Education. I would like this comment removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: NY

Complaint narrative:
There is a fraudulent account called " XXXX XXXX  '' for {$11000.00} that I did not authorize. I have sent several notices to the company about said inaccurate information on my consumer report. They have yet to be fixed and/or be removed even after they have done an " Investigation ''. This account is ruining my ability to receive credit and buy a home or house

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 2023-07-17 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: NY

Complaint narrative:
There is a fraudulent account called " XXXX XXXX  '' for {$11000.00} that I did not authorize. I have sent several notices to the company about said inaccurate information on my consumer report. They have yet to be fixed and/or be removed even after they have done an " Investigation ''. This account is ruining my ability to receive credit and buy a home or house

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XXXX XXXX I recieved an alert that my account was recently closed. Upon further review I discovered that my Navy Federal Account Credit Card was closed. I contacted the bank and stated they closed it after a review. I was never late with a payment. This action resulted in my credit score dropping drastically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) COLLECTIONS- XXXX XXXX ACCOUNT XXXX XXXX I OWE {$1200.00} DATE OPEN XX/XX/XXXX. XXXX XXXX ACCOUNT # XXXX XXXX LATE PAYMENT, XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX LATE PAYMENT DATE OPEN, XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX LATE PAYMENT DATE OPEN XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX XXXX LATE PAYMENT DATE OPEN XX/XX/XXXX, XXXX XXXX ACCOUNT # XXXX I OWE {$1400.00} XX/XX/XXXX, DEPT OF ED/XXXX ACCOUNT # XXXX XXXX LATE PAYMENT DATE OPEN XX/XX/XXXX,, DEPT OF ED/XXXX XXXX  LATE PAYMENTS, XXXX XXXX XXXX DATE OPEN XX/XX/XXXX I OWE {$610.00} ACCOUNT # XXXX, XXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX ACCOUNT # XXXX, XXXX XXXX XXXX LATE PAYMENTS DATE OPEN XX/XX/XXXXXXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX I OWE {$27000.00} ACCOUNT # XXXX, XXXX XXXXXXXX XXXX DATE OPEN XX/XX/XXXX ACCOUNT XXXX XXXX, XXXXXXXX XXXX XXXX DATE OPEN XX/XX/XXXX ACCOUNT XXXX XXXX XXXX LATE PAYMENTS. 

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 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.

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 2023-07-17 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Dispute of Credit Reporting Agency Dear Sir/Madam , I am writing to file a formal dispute regarding the information listed on my credit report. I have made previous attempts to resolve the matter directly with XXXX, but have been unsuccessful in reaching a satisfactory resolution. 

I want to bring to your attention the following details regarding the dispute : Account Information : Name on Account : XXXX XXXX Account Number : XXXX XXXX Date of Incident : XX/XX/2023 After reviewing my credit profile on XX/XX/2023, I identified a discrepancy with account listed under National Credit Systems and validation was requested as this was and account that I did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect hat the account is disputed and therefore a second validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no update and account is still reflecting on credit report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving this account belongs to me and all information is correct.

Enclosed with this letter are copies of relevant documents that support my claim.

I kindly request that the CFPB investigate this matter and take appropriate action to help resolve this dispute. Please keep me informed of any progress or communication with the financial institution regarding my complaint.

Thank you for your attention to this matter. I appreciate your assistance in helping to resolve this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
I was not notified of this debt, nor was I given the information regarding my right to dispute it. I was at college & never received a notice about this medical bill nor given the opportunity to verify it or dispute it. It was originally reported on my XXXX Credit Report on XX/XX/XXXX ( never received notification ) & updated again in XX/XX/XXXX. I am respectfully requesting this medical debt be removed from my credit report. I was not given the opportunity to verify the debt, arrange a payment plan or to negotiate the validity or terms. I am just starting to establish my credit history and this bad debt is harming me before I even get started.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-07-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permisible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 
Best regards, 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