vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Total Card, Inc.
State: CT

Complaint narrative:
Received several Voicmail regarding a petition filed agains myself with a reference number. Received calls on work phone as well as cell phone from a XXXX XXXX of the XXXX groups regarding Total Visa Card she threatened me with suing and utilized tactics to force me to make an agreement that I can not afford. The aforementioned agreement is not within my means but a verbal demand was made to pay within 10 days also XXXX XXXX insisted for my debit card to pay and demanded to know what bank the card was from. Then I was transferred to a payment verification department that requested my permission to be recorded I declined and the gentleman said the recording was for my protection. They also asked for the 3 numbers on the back of the card which I believe is not necessary for a transaction. XXXX XXXX also stated that I would save on legal fees and now will not be sued and asked for my email address to send a paid in full letter although I requested the information to be deleted from my credit report. Also is was stated in the call that their organization had an incorrect address. 
Voicemail left XX/XX/2021 & on work phone XX/XX/2021. I returned the call XX/XX/2021 and that is the day I was forced to make a payment agreement by violation of the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law. 

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX-Account # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX - XXXX # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXN- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NA- Inquiry XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/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 2021-12-04 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law. 

XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX-Account # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX - XXXX # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Inquiry XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: Westlake Services, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WESTLAKE SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$91.00} XXXX  XXXX Balance {$130.00} XXXX XXXX Balance {$42.00} Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am showing a hard credit pull inquiry from your company on XX/XX/2021 that has negatively impacted my score. I did not authorize this pull from your company and I can only imagine it was done fraudulently. Additionally I am impacted by covid19, delta and now Omnicron variants. I can not speak on the phone but assure you if not remedied in a timely fashion and corrected there will be lawsuits filed, citing this request to remove. Please respond by hard copy printed mail once it is removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT 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 non-monetary relief
Consumer complaint received 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2100.00} Inquiries : XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX  Inquired on XX/XX/2021 XXXX XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 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 2021-12-04 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am showing a hard credit pull inquiry from your company that has negatively impacted my score on XX/XX/2021. I did not authorize this pull from your company and I can only imagine it was done fraudulently. Additionally I am impacted by covid19, delta and now Omnicron variants. I can not speak on the phone but assure you if not remedied in a timely fashion and corrected there will be lawsuits filed, citing this request to remove. Please respond by hard copy printed mail once it is removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: AZ

Complaint narrative:
Beginning the first of XXXX, I received a XXXX bill from XXXX XXXX XXXX for services received in XXXX saying it was past due. I tried & tried to work with them as well as the past employer that should have paid it and got no results. I finally decided to go to the XXXX Department of Labor about the issue. By the end of XX/XX/XXXX, According to The DOL, the Company paid their part of the XXXX  claim that they owed and the bill was now paid in full. I called XXXX XXXX XXXX and they stated that it had indeed been settled by the insurance company as it was supposed to be. I have contacted and filed disputes with Experian to get the $ XXXX removed from my credit as it had been paid and the debt collection was not due to my lack of payment, but the insurance company used by the previous employer. It has now been XXXX  months since I filed a dispute and have not received anything back from Experian regarding the dispute. It is still on my credit report and is definitely affecting my credit. It looks like it was updated last month, but it is still on my credit. This needs resolved!

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 2021-12-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am showing a hard credit pull inquiry from your company that has negatively impacted my score on XX/XX/XXXX and again on XX/XX/XXXX. I did not authorize this pull from your company and I can only imagine it was done fraudulently during the sale without proper disclosure and under false pretenses/terms. Additionally I am impacted by XXXX, XXXX and now XXXX variants. I can not speak on the phone but assure you if not remedied in a timely fashion and corrected there will be lawsuits filed, citing this request to remove. Please respond by hard copy printed mail once it is removed. Thank you.

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 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company refuses to remove this incorrect negative credit reporting. Their was employee fraud from their phone team and this debt is also way too old to be showing, even if it were to be accurate. Furthermore, this case has gone before a XXXX XXXX in XXXX  court and was ruled dismissed. However the company for several years since refuses to remove the debt from all of my credit reports. I am impacted by XXXX, XXXX and now XXXX  so can not speak on the phone anymore. Please remove this debt asap or I will be filing lawsuits against all parties for the inaccurate reporting. Attached is the case information showing the judge ordered it to be dismissed and deleted. Years ago this should of been done. Please also respond in writing once it is removed from all XXXX credit agencies. 

" Case Information : Court System : DISTRICT COURT FOR XXXX XXXX - CIVIL SYSTEM Case Number : XXXX Claim Type : CONTRACT District/Location Codes : XXXX / XXXX Filing XXXX Status : CLOSED Complaint, Judgment, and Related Persons Information ( Each Complaint, Hearing, Judgment is listed separately, along with each Related Person ) Complaint Information Complaint No : XXXX ( CAPITAL ONE BANK ( XXXX ), XXXX. ) XXXX : ( XXXX, XXXX XXXX ) Type : REGULAR CLAIM Complaint Status : DISMISSED ( RULE XXXX ) Status Date : XX/XX/2018 Filing XXXX Amount : {$3600.00} Last Activity XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are reporting inaccurate information on I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-12-04 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I closed my American Express account back in XXXX of XXXX after my information was compromised the balance was paid off and was at {$0.00}. 

In XXXX of XXXX when i went to purchase a new car i notice another AMEX account that has been used in my name since XXXX of XXXX and it and a high balance. 


That was the first time I found out about that account. And they been using my bank account to make payments to that credit card. I have an Amex XXXX  account so when I see it on my statement I assumed it was paying the XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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 was going to exercise the right to rescind the contract, however, the XXXX major credit bureaus : EXPERIAN, XXXX and XXXX, and any other person, were never given my consent to create XXXX establish XXXX maintain an EXPERIAN, XXXX and XXXX account, profile XXXX XXXX records for the legal person, which is a legal trust of which i am as the beneficiary and not the trustee. therefore, i can not rescind that which has no existence. 

if any such account be created, established XXXX maintained, it makes legal sense to have it set up, by XXXX 's self, on XXXX XXXX XXXX among all of the other legal trusts andor corporations, i.e. all the XXXX, CITIES, COUNTIES, XXXX XXXX, XXXX, and all of the other legal persons of various industries. 

again, i did not consent to contract the legal person, i.e. a trust, i am as a beneficiary and not the trustee, with any of the XXXX major credit bureaus : EXPERIAN, XXXX and XXXX, and any other person to create XXXX establish XXXX maintain an EXPERIAN, XXXX and XXXX account, profile XXXX XXXX records. 

the fraudulently created, established and maintained accounts and accounting records for the legal person, i.e. a trust, i am as a beneficiary and not the trustee, with the credit bureaus need to be nonexistent, stat. : status quo ante. 

who gave the credit bureaus my location information? XXXX XXXX XXXX who gave the credit bureaus direct consent? XXXX XXXX XXXX XXXX XXXX XXXX XXXX and False Statements. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX of rescission. 
https : //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 2021-12-04 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: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

EASTERN ACCOUNT XXXX XXXX Opened XXXX XXXX, 2020 Balance {$210.00} ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXXXXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX CO Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX XXXX, 2021 ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX  XXXX Inquiry Date XXXX ; XXXX XXXX XXXX  Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation