vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: FL

Complaint narrative:
I am sending presenting this complaint on my own behalf, as a natural person, consumer, and without any connection to a third party. 


There are late payments inaccurately reporting on my credit report and file. It is your grave responsibility to be reporting correct and accurate information on my credit report and file. 


These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes late payments- resulting in XXXX violating my federally protected consumer rights. Additionally, I did NOT give XXXX  written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

The inaccurate reporting of these late payments has caused me and my reputation severe harm and discrimination. Please correct your records and have ALL of these inaccurately reporting late payments changed to the correct status of PAID AS AGREED immediately. 

I was the victim of a scam and I'm still having trouble because of that.

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 2023-02-03 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/2023 Dear EQUIFAX, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX : {$420.00} Account # XXXX Party Owed : XXXX XXXX XXXX : {$2600.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$500.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$360.00} Account # XXXX Party Owed : XXXX XXXX XXXX  : {$240.00} Account # XXXX Party Owed : XXXX XXXX XXXX Amount : {$500.00} Account # XXXX I am disputing this claim due to : I Have No Knowledge Of This Account. It Is Fraudulent And I Am Requesting That It Be Removed Immediately. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 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: TX

Complaint narrative:
On multiple occasions, I have asked for the credit bureaus to stop violating my rights and privacy. I have not received an acceptable resolution with either attempt. Instead, the credit bureaus are not ignoring my legal rights. Because of their decision to ignore my rights, I am mentally, and physically " SUFFERING ''. I have gone into a deep XXXX, gone into escalated levels of anxiety, developed elevations in my XXXX XXXX, and gone into severe distress and embarassment due to the stress that this is causing me. 

Nearly every single day of my life, I am being harassed by phone, texts, direct mail, social media direct messages, an by collection agencies sending individuals to my home and/or work with the attempt to serve me with lawsuit paperwork. Going through this has caused my life to be a very painful, and sad life to live. This violation of my rights has to STOP! It is affecting my quality of life and is making me mentally and physically sick. I beg of you, PLEASE respect my rights based upon the Fair Credit Reporting Act. 

The credit bureaus are reporting the companies listed in this complaint without my written permission, without my written consent, and without my written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with my written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like all negative information reported by or from each of the following companies permanently deleted from my credit reports immediately : 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

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 2023-02-03 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:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under fraud for identity theft. Address proof sent. 
Please delete these items. Delete the following : * Account : XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$5000.00} * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX XXXX XXXX XXXX  * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX XXXX XXXX XXXX * Source of dispute information : Public record * number : XXXX * Dates associated with item being disputed : XX/XX/XXXX * Bankruptcy XXXX XXXXXXXXdismissed, wrongfully filed under my social XXXX report and ID and address verification attached*** ADDRESS ATTACHED AND FTC AND ID AND SOCIAL

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 2023-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I went through an extensive interview process along with a background check. I was told that the company XXXX will be sending me a check to get the software and computer, the time machine they use to clock in and out from their vendor. So now that I was hired, I got a check, deposited it into my checking account and followed the directions that XXXX XXXX told me to do. Which was send {$1000.00} to XXXX, that is the supplier of the office equipment that is needed to get my job done. Then I was to transfer the remaining money over to her which was XXXX this I didn't send because I wanted the other to go through first. A couple days later I contacted my bank to see why it have over drawn they explained to me the situation that I had been scammed looking for a job. I have emailed XXXX XXXX XXXX  several times and she told me she's sorry and that this same thing happened to her and she then stated " she doesn't have the money I sent her, she had to turn it over to { him } she stated ''. This is ridiculous. I signed a contract with them thinking I had the job. I even put in 2 weeks ' notice at my current job for this job. I just want my money back. I have begged and pleaded with XXXX XXXX XXXX XXXX to send my money back but she won't. Those are the names associated with her info. If you have any questions please call. I simply can't go on like this. I'm just one person these people have gotten. Imagine how many other people they are ripping off. I would like to know about this case and the outcomes. I would also like to press charges if applicable. False information to obtain money without probable cause. Theft. Impersonating a business to make a profitable gain using their name. 
I'm just a single mother  with XXXX children at home trying to find a better job where I can work from home to benefit my kids better. 

XXXX id number to XXXX XXXX is 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 2023-02-03 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: CA

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under fraud for identity theft. Address proof sent. 
Please delete these items. Delete the following : * Account : XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$5000.00} * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX BANK ( Bank ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX ( Bank ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX XXXX XXXX XXXX * Source of dispute information : Public record * number : XXXX * Dates associated with item being disputed : XX/XX/XXXX * XXXX XXXX XXXXdismissed, wrongfully filed under my social XXXX report and ID and address verification attached*** ADDRESS ATTACHED AND FTC AND ID AND SOCIAL

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 2023-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a promotional offer from Citibank to open a " Citi Accelerate Saving Account ''. I opened a new Citi account on XX/XX/XXXX with a ACH transfer of {$28000.00} from XXXXXXXX XXXX XXXX and received a confirmation email on that date. Citibank credited the account XX/XX/XXXX. I received another email from Citibank thanking me " for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer ''. This email explained the details of the offer : $ XXXX {$49000.00}. = {$150.00}. Bonus ; {$50000.00}. or more = {$450.00}. Bonus. I had 20 days to fund the account. An additional {$25000.00}. was transferred XX/XX/XXXX bringing a balance of {$53000.00} meeting the requirements for a {$450.00}. bonus to be earned after maintaining that balance for 60 days. This account satisfied all requirements and still remain with Citibank. I began calling Citibank in XX/XX/XXXX. I had several issues getting access to this account. I kept being told the the matter would be resolved. XXXX XXXX I received a letter from Citibank indicating no such offer was ever made to me in conjunction to my account. In response to that letter, I called on XX/XX/XXXX. Their Representative found the Promotion, would credit {$450.00}. to the account and make Interest adjustments back to XX/XX/XXXX. I called Citibank XX/XX/XXXX and XX/XX/XXXX with no results.

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 monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint likes to invoke the term that we received similar correspondence as buzz words and Shellpoint knows that CFBP will close the case if they say anything convoluted. XXXX Shellpoint HAS NOT addressed why my XXXX states {$65000.00} at the end of XXXX but the Mortgage Statement at the end of 2XXXX states I owe the outstanding principal is XXXX. My XXXX and Mortgage statement have to be the same at the end of XXXX 

I paid {$10000.00} in interest in XXXX. Shellpoint point maybe able to defer it on their taxes but Shellpoint can not charge it to me and not provide it on the XXXX. Income tax evasion and a scheme to defraud me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I acquired my credit report and asked LVNV FUNDING LLC to validate a debt and ensure everything was complete and accurate according to 15 USC 1681i ( 5 ). I waited 30 days, and I havent received anything. Here is my tracking number : XXXX, which is the letter that I sent on XX/XX/2022, and LVNV FUNDING LLC received it on XX/XX/2022. Its been well over 30 days in which LVNV FUNDING LLC never responded. I submitted a complaint through the CFPB, and LVNV FUNDING LLC responded that they were unable to locate an account under the name of XXXX XXXX XXXX with the information provided and asked if I could please provide additional information, such as the account number ( s ), in order to help us locate the account ( s ) and address XXXX XXXX XXXX concerns. This situation is becoming overwhelming and frustrating because clearly as you can see in my letter I included the account number. Here 's my first complaint number with the CFPB : XXXX, in which the initial complaint was submitted. At this point, this issue has been very frustrating. LVNV FUNDING LLC has been displaying bad business practices and taking a reproach above the law. I mailed LVNV FUNDING LLC an invoice seeking payment for damages based on LVNV FUNDING LLC FDCPA violations. I will attach all documents as my proof. I have resubmitted a complaint with the CFPB showing records and dates on which I have tried to resolve this matter numerous times. LVNV FUNDING LLC has not only ignored the opportunity to honor my remedies but has also made life challenging and complex for me. Reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/20XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : 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