vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I will upload a PDF of this in case the formatting gets removed : I pulled my Experian Consumer Report and noticed a whole bunch of things I do not want on there, which I had never consented to them having or sharing. I mailed them a very detailed letter requesting they prove they had the right to receive and share my information. I clarified that even if I HAD accidentally consented, I hereby revoke that consent and I listed all the things they must remove. 

I extended Experian 30 days to provide proof of my contract with them as well as proof they have provided clear and conspicuous notice. I also extended them 30 days to remove the particular things I wanted removed, requesting they send me an updated report. 

I made it clear I will hold them accountable for {$1000.00} per violation. 

I also made it clear that, as Im currently traveling, they must respond via email. And therefore, if they mail their updated report and/or proof of contract or consent INSTEAD of emailing it to me as well, it shall be considered as though they have not responded at all. 

I have not received any email. I am not aware of any mail sent to the mailing address they have on file. And, as I can see from todays Experian report, there are still XXXX  data points which they have yet to remove. 

For the record, I will attach my letter to Experian in this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
In XXXX I made a purchase at XXXX XXXX, this was the only purchase made by me. I later went to XXXX and lost my wallet, all of my cash and cards were gone. I reported I lost my card to XXXX XXXX and they sent out a new one which I never received. I continued my payments forgetting about the card since I only intended to make one purchase with this card. I called XXXX XXXX after receiving a paper statement notifying them of this fraud and not receiving my card after losing my old one. They told me they would mark this card as fraudulent and would fill out a report. They did not follow up. I called again asking about this matter and they said they saw the fraud report and had no further information. There was no follow up. I called a few more times and the person said they didn't see anything in the system. Now this account is with Midland Credit Management and they want me to pay more than what I originally owed. They were threatening on the phone and sounded like I was being scammed for a large amount of money. I explained I wouldn't pay more than what I specifically purchased which was that TV.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I opened a credit card with XXXX XXXX in XXXX. The account shows delinquency that is over seven years that should not appear on my credit report. I also asked that the company provides statements from the beginning of the account, and they have failed to do so. I called on XX/XX/XXXX and spoke with a XXXX in the Special Collections Department and verified that this account was paid and it was still reflecting as open according to her records. She advised that I would not be able to get account information since account opening. I have in the last two years requested that the derogatory information be removed since it has not been verified and validated as accurate. The company has not provided any account history and proof of the delinquent payments. The furnisher and credit reporting bureaus are still reflecting this on my credit report, even though the account is 13 years old and paid. This is in clear violation of 15 USC1666b, 15 USC 1601, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, 1681s-2B of FCRA 15 USC 1681 et seq and Section 623 ( a ) ( 1 ) ( B ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I opened a credit card with XXXX XXXX in XXXX. The account shows delinquency that is over seven years that should not appear on my credit report. I also asked that the company provides statements from the beginning of the account, and they have failed to do so. I called on XX/XX/XXXX and spoke with a XXXX in the Special Collections Department and verified that this account was paid and it was still reflecting as open according to her records. She advised that I would not be able to get account information since account opening. I have in the last two years requested that the derogatory information be removed since it has not been verified and validated as accurate. The company has not provided any account history and proof of the delinquent payments. The furnisher and credit reporting bureaus are still reflecting this on my credit report, even though the account is 13 years old and paid. This is in clear violation of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, 1681s-2B of FCRA 15 USC 1681 et seq and Section 623 ( a ) ( 1 ) ( B ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I opened a credit card with XXXX XXXX in XXXX. The account shows delinquency that is over XXXX years that should not appear on my credit report. I also asked that the company provides statements from the beginning of the account, and they have failed to do so. I called on XX/XX/XXXX and spoke with a XXXX in the Special Collections Department and verified that this account was paid and it was still reflecting as open according to her records. She advised that I would not be able to get account information since account opening. I have in the last two years requested that the derogatory information be removed since it has not been verified and validated as accurate. The company has not provided any account history and proof of the delinquent payments. The furnisher and credit reporting bureaus are still reflecting this on my credit report, even though the account is XXXX XXXX XXXX and paid. This is in clear violation of 15 USC1666b, 15 USC 1601, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, 1681s-2B of FCRA 15 USC 1681 et seq and Section 623 ( a ) ( 1 ) ( B ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When XXXX sent me a new card Equifax started showing that account as being closed. When I noticed that I disputed the status with Equifax. Now Equifax is telling me that the account has been deleted from their system as per XXXX  request. I've contacted XXXX several times and I've contacted Equifax several times and they both point the finger at the other. Meanwhile I'm stuck in the middle with a credit report that's not accurate. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to express my concern and submit a complaint to FAIR COLLECTIONS & OUT regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in XXXX U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, FAIR COLLECTIONS & OUT will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Yesterday XXXX and XXXX informed me of several credit inquiries on my credit report that were not me. So I am going through the process of disputing them now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Yesterday XXXX and XXXX informed me of several credit inquiries on my credit report that were not me. So I am going through the process of disputing them now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of identity theft and this company is still reporting this fraudulent account ( s ) on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I was a victim of identity theft and this company is still reporting this fraudulent account ( s ) on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Between XXXX I originated XXXX accounts with XXXX XXXX XXXX XXXX XXXX A personal loan and a credit card which was opened separately. Overtime, either XXXX or both of the accounts had changes to the account number, changes to the terms and conditions or some loan modification. As a result, the account history and the amount of payments and interest Ive paid substantial payments without paying in totality has become available. As well as access to previous statements before the account numbers changed. I have noticed that the principal balance has barely changed and it appears most of all the payments made has gone to interest. For the past XXXX years, XXXX XXXX had any significant reduction in my principal balance. As a result of financial hardship and reduced income I needed assistance with making payments. The first delinquency was reported in XXXX for both the credit card and loan. After 7 years, statue of limitation require negative reporting should be deleted and removed. Also, they have the credit card tradeline for {$19000.00} appearing twice under different account numbers, which is having a double negative impact on my credit. In absence of account history and old statements I have contested the validity of the debt and derogatory information. The credit reporting agencies and XXXX XXXX has failed to rectify the situation and delete derogatory information. Under section 1681s-2B of FCRA 15 USC 1681 et seq and The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, the companies are in violation and having complied to my requests. Also, in recent news reports and class action lawsuit, XXXX XXXX has allegedly discriminated against minority borrowers and neglected to provide fair lending practices and services. I believe I am too a victim of unfair treatment and would like all derogatory credit reporting to be removed and deleted. I have been a member since XXXX, and Ive paid off several loans with XXXX XXXX. I am deeply disappointed at the way theyve treated me as a consumer. Learning that theyve treated other minority consumers unfairly is terrible. Their actions has negatively impacted my financial health and XXXX XXXX by continuing to report old and unverified information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of identity theft and this company is still reporting these fraudulent accounts ; XXXX XXXX, XXXX, XXXX XXXX XXXX on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: TN

Complaint narrative:
I requested a balance transfer XX/XX/2023 in the amount of {$2500.00} from Discover for card ending in XXXX to XXXX  XXXX for card ending in XXXX The balance transfer posted to XXXX  XXXX on XX/XX/2023 XXXX  XXXX sent me a letter dated XX/XX/2023 stating the amount was debit back to my account. 

I called XXXX XXXX asking why this was done and who initiated this requested. I was informed that it was requested by Discover stating fraud. 

I called Discover asking why this was done they sited a fraud report was initiated and I told them no transaction on my account was fradulent only the muti-factor authentication information ( e-mail address and phone number that was visible during attemp to authenticate ) was wrong and to please send the balance transfer back to XXXX XXXX. 

They told me I needed to get the address, check number and date the check cleared the bank before they could do a temporary credit and initiate a dispute while doing and investigation. 

I was able to get the information from XXXX XXXX on XX/XX/XXXX and called Discover to provide them with the information and I was told by the representative that they saw a {$2500.00} pending credit and to give it 5 days to reflect on the account. I called today because the {$2500.00} has yet to post to either XXXX XXXX or Discover only to be told now that they need the Routing and Account Number to which this check was posted!!! I was not told this initially and I am tired of being on the phone with these banks with what should be a simple fix. I am at my wits end... I have been on the phone with both banks for multiple phone calls, for many hours only to get transferred multiple times during each phone call thus having to repeat the issue. 

I believe what happened is since a new Discover card was issued to me, they are having a problem finding where to post the {$2500.00} ( a new card was issued to prevent there from being any potential fraud with card ending in XXXX ) ; the new card I was issued ends in XXXX. 

I honestly do not want to speak to either bank ever again in my lifetime. 
There is so much more that has transpired with this issue that should be documented with each bank but I only provided the facts related to the complaint. 

I am attaching the following support documentation for complaint. 

XXXX. Discover balance transfer transaction XXXX. XXXX  XXXX letter stating the amount was debit XXXX. Address, check number and date check cleared the bank provided by XXXX XXXX Thank you for the resolution you can provide regarding this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
PenFED is my mortgage and XXXX  XXXX. They failed to provided XXXX XXXX XXXX  when requested in 2022 and most recently falsely advertised the offering of natural disaster loans. XXXX XXXX XXXX PenFED was notified of a natural disaster that has caused significant damages and losses to my property but told me by phone on XXXX separate calls that they do not offer the 7.99 % natural disaster loan offered on their website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to report violations of my rights by Capital One. They failed to validate an alleged debt, ignored my dispute, and may resort to unlawful collection practices. Please investigate and ensure they comply with the Fair Credit Reporting Act. Your prompt attention to this matter is crucial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: FL

Complaint narrative:
My identity was stole. The person opened up several bank accounts in my name and also used my main bank account ( XXXX XXXX ) for fraud. I recently realized that in XXXX  and placed a credit lock through XXXX. I know consequences still have to be made but I would like to clear my name so that I could be able to open up a personal bank account. I am aware that I am now in the XXXX XXXX, I would like to be removed. I am willing to do what it takes to move forward with this process. I am a XXXX XXXX  and I need a bank account. Thank you.

Company response to consumer: Closed with explanation