vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 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:
I sent the credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said the account was verified on 2 credit bureaus ( XXXX XXXX and Experian ) but XXXX came back us unverified and was removed from report. 


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 2023-04-30 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:
I sent credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said they account was verified on 2 credit bureaus ( XXXX and Equifax ) but XXXX came back as unverified and was removed from report. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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:
I sent credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said they account was verified on 2 credit bureaus ( Experian and XXXX ) but XXXX came back as unverified and was removed from report. 

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 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MT

Complaint narrative:
I have been trying to get National Credit Systems Inc to send verified information that they said they used to verify the debt on my credit report! 

Ive looked on the NMLS consumer website and they arent registered to collect in my state either. 

When i called them they were rude and wouldnt answer my questions. 

Theyre located at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Someone got a loan and added it to my mortgage. Also they made a change of address to my credit report using my old address from 2018. Also I believe they have my mail and I want a hold on all my credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IN

Complaint narrative:
I cash app my daughter {$16.00} on XX/XX/2023 @ XXXXXXXX XXXX She replied back with a love heart after she received the notification, but did not realize it was not showing in her account. 
I reached out to cashapp support around XXXXXXXX XXXX  and received a response from cashbot, it would be a 30 minute hold time. As of XXXXXXXX XXXX XX/XX/XXXX, no one has replied. 
This has been a behavior complaint mentioned throughout social media regarding cash app taking account holders money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXXXXXX XXXX XXXX has reported a late payment on XX/XX/21 which is a direct violation of the FCRA 15 US code 1666b Timing of Payments. '' A creditor may not treat a payment on a credit card account under a an open end consumer credit plan as late for any purpose ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
My XXXX XXXX XXXX was repossessed in XXXX of XXXX and sold without proper notice to me. The only notice I was given was through the online customer portal on XX/XX/XXXX, when the car was sold on XX/XX/XXXX. I do not believe any effort was put forth in seeing the vehicle for a reasonable price. My balance was over {$21000.00} and the car was sold for {$6000.00}, leaving me with a deficiency balance of over {$16000.00} after repossession fees. This is after already paying close to {$4000.00} with a down payment and monthly payments. I do not believe I should be responsible for this deficiency balance, as the amount the vehicle sold for is extremely low. XXXX XXXX XXXX  values that vehicle at upwards of {$10000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: The Receivable Management Services LLC
State: CA

Complaint narrative:
I am sending this comnplaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent themover 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation!!.,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Hello, I do not appreciate the fake letter from the attorneys office that you sent, but that is not my concern. It has come to my attention National Credit Systems is not Licensed in North Carolina to collect debt. Please provide your professional license number so I can verify this information with the North Carolina Department of Insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-30 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express continues to show a late payment on XX/XX/18 on a closed account which is a direct violation of the FCRA 15 US Code 1666 ( b ) Timing of payments " A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Inaccurate information is being reported to my credit report, capital one is reporting that my wife account which Iam a secondary card holder is late since XX/XX/2023 which is inaccurate, we have made all payments on time. She has called several times and they capital one Walmart card also see that it being paid in time. The agents which I have recorded the conversation state that they also agree that the information is inaccurate and should be changed. They state they have forwarded my complaint to the capital one Walmart card supervisor. This now XX/XX/2023 and there is no change. Please help with this issue. They are hurting my credit report and me and causing me pain and suffering. Because there illegal actions I have been denied credit and accounts have been closed and interest have gone up on the other accounts. At this moment they are taking advantage of me and my wife and are retaliating against us for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclays Bank Delaware has reported a late payment on XX/XX/21 which is a direct violation of the FCRA 15 US code 1666b Timing of Payments. '' A creditor may not treat a payment on a credit card account under a an open end consumer credit plan as late for any purpose ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: AL

Complaint narrative:
I have submitted disputed both verbal, written and electronic disputes. 

Even going as far as submitting disputes via regular mail on XX/XX/2023 and then again XX/XX/2023 after they claimed that they were able to verify certain items in my report. 

In both written requests, I requested documents confirming that these were my account as I believe they are fraudulent. TransUnion has never been able to provide me with any and only verifies them. I am seeking documentation from the creditors as requested in the attached disputes. 

I have also asked them update my information as my name, date of birth and address all seem to be incorrect on their report and could be adding to the many inaccuracies they are reporting. This request was submitted with both my current drivers license as form of ID & social security card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
ACCOUNT NAME AFNI , INC ( Original Creditor : XXXX ) XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish anaccount without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an accountwith this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: AL

Complaint narrative:
I have submitted disputed both verbal, written and electronic disputes. 

Even going as far as submitting disputes via regular mail on XX/XX/2023 and then again XX/XX/2023 after they claimed that they were able to verify certain items in my report. 

In both written requests, I requested documents confirming that these were my account as I believe they are fraudulent. Equifax has never been able to provide me with any and only verifies them. I am seeking documentation from the creditors as requested in the attached disputes. 

I have also asked them update my information as my name, date of birth and address all seem to be incorrect on their report and could be adding to the many inaccuracies they are reporting. This request was submitted with both my current drivers license as form of ID & social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This collection company has put a collection debt on my credit report for {$2600.00} that I do not owe and I have never received any documentation. I am requesting that this company be notified and the debt be removed from my credit report. This is a fraud report and this company did not follow the Fair Debt Collection Practices Act. The account that is being reported on my credit report is below : One of your accounts has been reported as a major derogatory item on your credit. 
Reported By : XXXX XXXX XXXXXXXX XXXX  Creditor Contact : XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Type : Other collection agencies Balance Amount : {$2600.00} In Collections : Yes Payment Status : XXXX XXXX XXXX ( Collections ) Status 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 2023-04-30 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:
Upon checking my consumer report i noticed inaccurate accounts and information that does not belong to me, i didnt authorize to any of this information to be reported on my credit recorf, it's affecting my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: DISCOVER BANK
State: NY

Complaint narrative:
Dear Consumer Financial Bureau, I am writing to you to express my frustration and disappointment with Discover Bank 's handling of my previous complaint number XXXX. In that complaint, I reported that a credit card was fraudulently opened in my name, XXXX XXXX, and was not received by me, but instead by a person named XXXX who lived in my apartment building. Despite Discover Bank acknowledging that this credit card was not opened by me, they are refusing to remove it from my credit report unless it is paid by me, even though it was not mine in the first place. 

I find this to be a blatant injustice and an unfair practice. I have provided all necessary legal documents and evidence to prove that this credit card was not mine, yet Discover Bank is still refusing to take any action to correct this mistake. This has caused me great distress and has had a significant impact on my credit score.

I am asking the Consumer Financial Bureau to intervene and take action on this matter. I believe that Discover Bank is engaging in unfair and deceptive practices by holding me responsible for a credit card that was opened fraudulently and not by me. I request that the CFB investigates this matter thoroughly and takes appropriate action to ensure that Discover Bank corrects this mistake and removes this credit card from my credit report. 

I look forward to hearing back from you on this matter and appreciate your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo XXXX card states I have two lates XX/XX/XXXX and XX/XX/XXXX. This direct violation of FCRA US code 15 1666 ( b ) timing of payments " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Colony Brands, Inc.
State: NJ

Complaint narrative:
I have been checking my credit report more recently, things are not adding up!! 
I have sent emails to the companies to try and get more info and they respond with, information not adding up!!! 
{$500.00} later, still no answer or response to my inquiry. Not adding up!!! 
I truly do believe my ex girlfriend orders or apply to things in my name, usingyl my s.s.i numbers and trys forging my name. 
Thank you

Company response to consumer: Closed with explanation