vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 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: CA

Complaint narrative:
please see attachments all XXXX credit reporting agencies failed to follow fcra rules and regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  name and account number ; XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$0.00}, 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 2023-08-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted the credit bureaus numerous times to delete the personal inaccurate names on my credit report. I submitted a copy of my driver 's license and social security card as well. Those inaccurate names still have not been deleted per my request. 

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

Inaccurate names to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
Fixing Credit Consumer financial protection bureau -submit claim Improper use of report Message to copy : In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I didnt authorize these transactions they are a result of fraud XXXX asking the creditors to remove ( XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, These are not authorized by me I want them removed form my credit file and deleted off my hard inquiries.

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 2023-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Requested lower payments and automatically denied. And regional acceptance has been calling non stop each day even Sundays and ignoring the request of not being contacted like that. Even requested the vehicle be picked up with voluntary surrender. But they just keep ignoring any requests. And was trying to quote the FDCPA and was told by them were not allowed to quote the act because im not a lawyer. They also have wrong contract date recorded compared to what the contract that was given to us.

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 2023-08-06 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: TX

Complaint narrative:
I am a victim of identity theft. I have contacted XXXX XXXXXXXX directly and provided police report, representatives were very rude and not helpful. Prior to this I have sent mutiple letters in regards to this issue. I have never had furniture with XXXX XXXXXXXX nor have I lived at XXXX XXXX XXXX. That address is also in my police report. This is in regards to account XXXX XXXX account 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 2023-08-06 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Incorrect information on payments made in XX/XX/2021. Payments were made before XXXX  days late and information doesnt match on all XXXX bureaus. Creditor removed/deleted entire account from transunion due to continuous incorrect information but did not do the same for the other bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint in light of the negligent actions of the credit bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. 
In XXXX my personal and financial information was exposed as part of the widely-publicized Equifax data breach. Like many other unsuspecting Americans, I entrusted Equifax with my private data, believing that they would safeguard it diligently. This exposure left me vulnerable, a fact I became painfully aware of when I began to notice suspicious entries on my credit report. 
In my efforts to address these concerns, I sought the help of a credit repair agency. Tragically, this endeavor only deepened my troubles. Unbeknownst to me at the time of engagement, this agency was a fraudulent entity, aiming to exploit individuals like myself. As a result, they not only failed to repair my credit but utilized my already compromised information to open several unauthorized accounts, exacerbating the damage to my credit standing. 
I have made numerous attempts to have these fraudulent accounts removed. 
Despite taking these necessary actions, the response from the credit bureaus has been disheartening. They have either dismissed my claims or provided only generic responses that do not address the core issue. 
The emotional and financial strain this situation has placed upon me is immeasurable. Not only am I constantly anxious about further financial violations, but my ability to undertake basic financial activities, such as securing loans or applying for housing, has been severely compromised. 
The lack of accountability and urgency from the credit bureaus in correcting their records stands in stark contrast to the trust consumers are expected to place in them. I, and many others, depend on these agencies to maintain an accurate reflection of our financial history. Their current approach not only damages individual lives but also undermines the very essence of trust in our financial system. 
I hope the CFPB will recognize the severity of my predicament and take swift action. It's essential not just for my peace of mind but for the larger message it sends about the importance of consumer rights and the responsibilities of credit reporting agencies. I am hopeful that with the intervention of the CFPB, I can finally find a resolution and move forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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 am a victim of identity theft. I have paid this charged off credit card with XXXX in full with verbal agreement from a rep that it will be removed from my report. It still has not been removed from my report even after paying it in full, which is a breach of contract. A police report was also filed.

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 2023-08-06 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Please see attached documents. I have been trying to get XXXX to do a real investigation since XX/XX/2023. Please help me get results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Continental Services Group, Inc. d/b/a ConServe
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Creditor account # XXXX Subject : Cease-and-Desist Notice for Account # XXXX Dear ConServe I am writing to formally bring to your attention a matter of great concern regarding my account, It has come to my attention that certain activities, unauthorized by me, have been taking place within the mentioned account. 

I hereby demand an immediate removal of collection acc. # XXXX and thorough investigation into this matter as it raises serious legal and ethical issues. As per my rights and responsibilities as an account holder with XXXX XXXX XXXX XXXX, I expect prompt and appropriate action to rectify this situation. 


Allow me to emphasize that this account is under my sole ownership, and I am the only individual authorized to conduct transactions on it. Therefore, any transactions carried out without my explicit consent are considered illegitimate and must be reversed or nullified at the earliest. 

I kindly request that you immediately cease and desist all related operations on my account until a full investigation is conducted and a resolution is reached. In addition, I wish to be informed of the steps being taken to rectify this matter and secure my account from further unauthorized activities. 

Please ensure that all communication regarding this issue is conducted in writing and directed to the address provided above. Furthermore, I request that all necessary documentation pertaining to this case be provided to me in a timely manner. 

I trust that XXXX XXXX XXXX XXXX, an institution known for its commitment to customer service, will promptly investigate this matter and take all appropriate actions to resolve this situation. Failure to do so may result in further legal remedies being pursued, should it become necessary. 

I look forward to your immediate attention to this matter and appreciate your cooperation in resolving this dispute promptly. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover card XXXX bank XXXX and XXXX bank I paid them all but they still call ms

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a balance transfer 0 % interest expiring XX/XX/XXXX and in XXXX i took another one that is due XX/XX/XXXX at 1.9 % interest ( so i have XXXX  months ) in XX/XX/XXXX i sent XXXX in payments that was suppose to go towards my XXXX promotion but the bank said there system poilcy sends it to the 1.9 % interest XXXX even though i have XXXX  months to pay it off and the XXXX promotion i still have to pay XXXX this month or else its 29 % interest which is crazy the money should have been applied to my XX/XX/XXXX promotion.

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 2023-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: CO

Complaint narrative:
XXXX XXXX Colorado XXXX, CO XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Subject : Cease-and-Desist Notice for Account # XXXX Dear ConServe I am writing to formally bring to your attention a matter of great concern regarding my account, as depicted in the attached picture/documentation. It has come to my attention that certain activities, unauthorized by me, have been taking place within the mentioned account. 

I hereby demand an immediate and thorough investigation into this matter as it raises serious legal and ethical issues. As per my rights and responsibilities as an account holder with XXXX XXXX XXXX XXXX, I expect prompt and appropriate action to rectify this situation. 

Activities that I have not authorized or been a part of include : XXXX. [ Describe unauthorized activity in detail ] Photo/Documentation attachment : [ Add any supporting evidence, such as screenshots or pictures, if available ] Allow me to emphasize that this account is under my sole ownership, and I am the only individual authorized to conduct transactions on it. Therefore, any transactions carried out without my explicit consent are considered illegitimate and must be reversed or nullified at the earliest. 

I kindly request that you immediately cease and desist all related operations on my account until a full investigation is conducted and a resolution is reached. In addition, I wish to be informed of the steps being taken to rectify this matter and secure my account from further unauthorized activities. 

Please ensure that all communication regarding this issue is conducted in writing and directed to the address provided above. Furthermore, I request that all necessary documentation pertaining to this case be provided to me in a timely manner. 

I trust that XXXX XXXX XXXX XXXX, an institution known for its commitment to customer service, will promptly investigate this matter and take all appropriate actions to resolve this situation. Failure to do so XXXX result in further legal remedies being pursued, should it become necessary. 

I look forward to your immediate attention to this matter and appreciate your cooperation in resolving this dispute promptly. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
All these companies these on my credit report I know nothing about especially credit acceptance thats why I have a low score I dont even work anywhere i am waiting on my disability I never received my rebate check when I filed it .I got a letter to come in to make sure it was me but never got to because mom lost her car during the pandemic when she lost her job at home due to discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Greetings, I have a payment scheduled for XX/XX/2023 of XXXX. On XX/XX/2023 I get an email from Capitol one stating I have not made a payment even though I have it scheduled to come on out XX/XX/2023. This led me to make another payment so I would not get a late fee. 

I think in this day and age that a credit card company can track when future payments are being made and not send out erroneous emails saying I have not made my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/XXXX, a new hard inquiry showed up on my credit card that I do not recognize. It is from JPMCB card services, which I have no idea what that is. Today on XX/XX/XXXX, another new inquiry shows from Jpmbc card that I did request. I have no knowledge of what this company this or how it ended up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I have reported to the bank that my card was stolen and was used to make unauthorized purchase, the bank failed to acknowledge that and resolve the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I didnt authorize these transactions they are a result of fraud Im asking the creditors to remove ( 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 ) These are not authorized by me. Please remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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:
Good Afternoon! I XXXX XXXX I am trying to dispute these closed account on my credit report because I sent them a letter regarding my dispute XXXX and XXXX. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protect consumer rights to privacy and confidentiality under XXXX XXXX XXXX contacted the collection agency during XXXX and XXXX for all these closed accounts 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 Account # XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed off my credit report.

15 U.S.C 1681 section 602 A. States I have 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 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 of has a reasonable cause to believe that the information is inaccurate.

They sent me this letter stated that this has been verified.Therefore I would like these account to be removed off my XXXX, Equifax and XXXX account. This company is violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. Company has also No permission to report anything using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with non-monetary relief