vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request.

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 2022-07-06 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: SC

Complaint narrative:
Investigation has taken more than 30 days FDCPA SECTION 807 VIOLATION Please remove this inaccurate information on my credit report Account involved in litigation " inaccurate reporting '' an inaccurate reporting of a PAID OFF ACCOUNT " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' a COMPLETELY PAID OFF account REPEATEDLY LISTED AS CHARGED OFF EVERY MONTH continues to re-age my accounts and reflects negatively on my report. 

XXXX  ACCOUNT NUMBER : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. As previously stated, before this account is involved in litigation. According To The FDCPA SECTION 807 VIOLATION you are reporting Misleading false 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 2022-07-06 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:
FCRA violations : not my names XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX FCRA violations : not my address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-07-06 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:
FCRA violations : not my names XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX FCRA violations : not my address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Unauthorized inquiries by 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Again, this is evidently a company PORTFOLIO RECOVERY ASSOCIATES XXXX I did not have a contractual relationship with. How are they claiming I owe them a debt? They failed to send me proof that this account belongs to me along with the name, and address. 

Another account under the same company PORTFOLIO RECOVERY ASSOCIATES Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2021 I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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:
To whom at may concern : I know my right under the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX 15 usc 1681 section 602 A. states I have a right to privacy. 
15 usc 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account 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 then records of convictions of crimes which antedates the report by more then seven years. 
15 usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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 2022-07-06 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: CA

Complaint narrative:
To whom at may concern : I know my right under the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX 15 usc 1681 section 602 A. states I have a right to privacy.

15 usc 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account 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 then records of convictions of crimes which antedates the report by more then seven years.

15 usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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:
To whom at may concern : I know my right under the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX 15 usc 1681 section 602 A. states I have a right to privacy. 
15 usc 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account 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 then records of convictions of crimes which antedates the report by more then seven years.

15 usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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 2022-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
i wanted to pay my payment for victoria secret credit card by call and on the commenity bank easy pay but their system has been down for more than two weeks and im afraid it will affect my credit score tho they said it shouldnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Investigation has taken more than 30 days FDCPA SECTION 807 VIOLATION Please remove this inaccurate information on my credit report Account involved in litigation " inaccurate reporting '' an inaccurate reporting of a PAID OFF ACCOUNT " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' a COMPLETELY PAID OFF account REPEATEDLY LISTED AS CHARGED OFF EVERY MONTH continues to re-age my accounts and reflects negatively on my report. 

XXXX ACCOUNT NUMBER : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. As previously stated, before this account is involved in litigation. According To The FDCPA SECTION 807 VIOLATION you are reporting Misleading false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions. 15 U.S. C. 1666 B : 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 2022-07-06 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:
FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$130.00} Status Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed

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 2022-07-06 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: NM

Complaint narrative:
Numerous attempts made to correct credit report has failed.

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 2022-07-06 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Numerous attempts made to correct credit report has failed.

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 2022-07-06 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:
On date of XXXX XXXX, 2021, I received a hard inquiry on my consumer report from XXXX that I did not authorize.

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 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover bank cashed a check fraudulently through mobile deposit. Because of this I have not been paid for the month of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hello, On XX/XX/XXXX I found evidence of identity theft on my credit report. I then realized that my identity had, in fact, been stolen. An address and multiple phone numbers were taken out in my name and used to obtain several credit cards including 2 from Capital One. One of those accounts has since been found as fraudulent however the other one remains. That account has a due balance of {$460.00} and was opened on XX/XX/XXXX of XXXX. Several times I have filed fraud notifications with the company and each time they continue to tell me that they find no evidence of fraud. Each " investigation '' seems to last only a couple of days. I have never been contacted with an explanation other than that they " have found no evidence of fraud ''. After speaking with multiple representatives I have discovered that since the address and phone number matches my name, Capital One will not identify the account as fraud. Recently I have submitted a full police report containing my sworn statements & a possible suspect, my tax returns with proof of my address and phone number from XXXX & XXXX, an email from the landlord of the property the card was sent to stating that I have never lived there, an affidavit I signed for another bank concerning fraudulent activity on a card sent to the same address, a letter from another bank explaining that fraudulent activity had been found, and a picture of my license. After sending all of this, I received yet another letter within 2 days saying no fraudulent activity has been found due to " limited information '' provided. This is the MOST information I have ever sent to any bank. Please, I need help. I am willing to cooperate, I just need someone from the fraud team willing to work with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  account # XXXX, and XXXX Ref # XXXX, and TransUnion # 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 non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I keep getting emails and texts stating I have applied for and been approved for a Bank of America credit card. I have never applied for a credit card from Bank of America. I contacted them and reported the fraud but I keep getting texts/emails stating I have been approved and the credit card will be mailed to me. The only information I have on the credit card are the last 4 digits of XXXX. I have not received the credit cards they say are being mailed. This all occurred starting XX/XX/22 and is continuing as of today.

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 2022-07-06 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I was behind on my car note that resulted in a repossession. The car was in their custody for a total of XXXX days. The date was XX/XX/2022. I was instructed to pay a payment of {$2200.00} to retain my vehicle. This was to cover six months of payments that I was late on. I paid it on XX/XX/2022. I received my car back on XX/XX/2022 from the lot. I recognized that balance on the account that is not being reported to the bureau in its current state. I also noticed that my car is currently being reported in a closed status but the car is in my possession. I would like the status of my account to be brought back to a open status and the account balance to reflect the amount that it should be after my payment on all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: FL

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-07-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation