vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Aligned Company DBA Extra
State: TX

Complaint narrative:
on XX/XX/XXXX someone opened a account with XXXX XXXX in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX XXXX in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX XXXX XXXX " car loan '' in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX ( XXXX ) Car loan in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XXXX XXXX XXXX someone opened a account with XXXX XXXX XXXX XXXX XXXX loan in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on date im not sure of the date someone opened a account with XXXX ( credit card ) in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has closed XXXX complaints today without resolving or addressing the issue with my account they give explanations that make absolutely no since and directly show the retaliation Experian is taking for me making these complaints, XXXX  months of on time never late payments to XXXX and refuse to give them back

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 2023-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/2022 I was scammed out of {$150.00}. The representative that I spoke to had confirmed that it was fraud, but then said they could not recover the {$150.00} b/c the scammer had closed down the account. The scammer was paid {$150.00} through XXXX, but no item was ever sent and this was all perpetrated through XXXX and captial one, via XXXX. I have previously submitted a complaint, but the company then responded that there was no fraud- which was in dispute with what they had verified with me previously. 

The fact that I reported this fraud within XXXX hours and the company is unable to rectify this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: FL

Complaint narrative:
I have already disputed these items with the bureaus, but they didn't delete or validate them. 
Please remove these accounts from my credit files. 

In accordance with the Fair Credit Reporting act 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 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already disputed these items with the bureaus, but they didn't delete or validate them. 
Please remove these accounts from my credit files. 

In accordance with the Fair Credit Reporting act 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  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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST PORTFOLIO SERVICING INC
State: DE

Complaint narrative:
My credit card limit is {$300.00}. I had a XXXX balance before I made a transaction on XX/XX/23 at XXXX XXXX XXXX, for {$66.00} which shows up as XXXX XXXX on my statement. On XX/XX/XXXX at XXXXXXXX XXXX  I made a payment of {$68.00}. which shouldve brought my balance back to XXXX. I then made two transactions on XX/XX/XXXX one at new balance XXXX XXXX, and one at XXXX in XXXX, PA. I go to check my balance yesterday because I was trying to do something with my card and I seen that I still have the balance from the three transactions and my payment I made is not reflected on my balance. So I give the company a call and try to find out whats going on, the representative could not tell me much and we was on the phone for like 20 minutes l. So I had to ask to speak to a supervisor to see if I can get some clarity of what was going on. The supervisor could not tell me much. I explained to her the transactions I made, and the payment I made. When you calculate the payments I made, and the transactions I made my balance should not be what it is. So thats why Im coming to your office for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IA

Complaint narrative:
First, I would like to say I pay my bills and on time. 

Discover credit card did not credit my account when items were returned to the store XXXX. Discover lead me to believe they were investigating the dispute when the real truth was when the items were returned to XXXX, XXXX issued the credit back to my account but in return Discover reversed it back when I got my statement and saw that it was for a few cents more favor being on XXXX when I finally found out the real truth that Discover had been lying to me all this time racking up late fees on my account when my account was paid in full. When I found out the real truth I filed a lawsuit against Discover and they closed both my cards. When I filed the lawsuit against Discover I also in returned filed against the other two creditors because they too had a XXXX balance and it was their responsibility to have corrected their mistake and did not. 

After Discover did this to my accounts I had creditors that I had been with for years to close my accounts So with all the damages that Discover did to me it has brought my credit score way down not to mention all the time and money to get this corrected. The lawyer stated he could not believe Discover did this. Now I will have to file in federal court against Discover but now Discover dismissed it to a third party but still showing on my credit report as being unpaid.

credit score. When Discover found out I had filed the lawsuit against them they closed both of my accounts however before closing the one that should have had a XXXX balance they kept showing an unpaid balance and in return I believe made two other creditors follow suit in Discovers wrong doings. 

XXXX XXXX  account was paid in full and they too kept showing late fees and this was Comunity banks wrong doing when I paid my account in full their own employee took one number incorrectly from my bank account which in return showed my account not paid but it was their late fees which did this.

One of the three creditors I filed against in court paid me before going to court and we both came to terms and settled. The other two Discover and the XXXX creditor closed accounts but still showing unpaid on my credit report. 

This information was also sent to all three credit reporting agencies along with all supporting documents to show what was done. 

I will have to sue them in federal courts not sure when I will have the time to file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION LLC. 

You Deleted the item from my report, and then you allowed the company to report it again which is a violation of the FCRA, to prevent legal action please promptly remove the item from my credit report as it was before the item was deleted and I have records of that including but not limited to the letters of communication sent to you that resulted in the deletion of that item from my credit report. 


The item is fraud and resulted from identity theft And was deleted due to those circumstances and the investigation proves that correct. You must delete the information promptly to avoid the penalties of violating the FCRA. 


Sincerely, 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 2023-11-21 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI

Complaint narrative:
Leased a XXXX  XXXX XXXX at XXXX XXXX in XXXX, WI which was a DEMO driven by the Manager at that time. 

I am not disputing all charges except for the following : 1. Wear and tear charges totaled {$750.00}.

2. There was not a 12 '' crack in windshield when turned in 3. License plate holder in front was not there when picked up {$91.00} ... for a {$5.00} part!

4. Scatches in rear bumper were very small and were there along witth a few others The disposition fee should be waived, leasing of new vehicle was from dealership owned by same owner {$390.00} not told about this plus loyalty to dealership Dealership was to send in over mileage fee of {$750.00} has not been received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Company keeps veryfing innacurate 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 explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Company name Portfolio Recovery Debt was through XXXX XXXX XXXX This company served me papers in XX/XX/XXXX. I called them and set up a payment plan. Which was never drafted. They sent me papers in the mail a month to 2 ahi XXXX or XX/XX/XXXX. These papers threaten to take any assets I had to cover my debt. I told them I had set up a direct draft payments in XX/XX/XXXX. They told me that the payments never came out that my bank wouldnt allow them. They said they have this issues like a security issue. I set up direct draft with them again. The payments arent being taken out again even with giving bank information and consent. I worry if my bank really is not allowing them that its a faulty company or they just arent really trying to take them to try to take all the money at once or my assets. I assume Ill be getting more legal threats in the next few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX filed a collection with each credit reporting agency in XXXXXXXX XXXX XXXXXXXX without any prior notice of delinquency. The amount on my credit reports states the total amount was {$300.00} ; however, the company charged me {$300.00} as the final payment on my debit card. The account was paid over the phone with a debit card ending in XXXX on XX/XX/XXXX. XXXX sent a receipt ( after a request ) on XX/XX/XXXX, showing the total sum was paid. 
XXXX and Equifax are continuously reporting this account as " unpaid '' when other reporting agencies have accurately reported the account as closed/paid. 
I filed XXXX disputes with Equifax both on XX/XX/XXXX and XX/XX/XXXX, disputing the account status and both were incorrectly returned as " unpaid '' statuses. 
I further had to pay to pull my credit reports from all three bureaus and as of XX/XX/XXXX, Equifax and XXXX are still reporting the account as " unpaid. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
my information was sold and bought illegally because i was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts and hard and soft inquiries on my report as well as remove false personal information that has caused me so much harm since 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 i have also been sued for a payday loan from online in XXXX as far as i know i have at least XXXX hard inquiries on my credit report i am unable to get loans or apts or a bank account i have to use prepaid cards for everything which has really affected my life i opened my own business tis year and i cant get a business loan to support my business i have suffered so much these past 4 years and i need this fixed please please help me get these things off my credit XXXX \o i can have my life back

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX XXXX I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Inaccurate information and unverified information on my reports the following XXXX XXXX XXXX XXXX Opened : XX/XX/2021 Balance : {$5100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} *XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}

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 non-monetary relief