vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Account numberXXXX his is for banana republic Barclays credit department In accordance with the fair credit reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the 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 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during covid 19 and could not accommodate pay by phone within 24 hours.

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 2023-06-08 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: NY

Complaint narrative:
Experian and XXXX just add items to.my credit and update tradelines. Re aging old accounts never listed as fraud. 
Medical debt added which was resolved through financial assistance through hospital do bill were not validated.

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 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received an email about my account closing on XX/XX/23 due to the info not matching on public record. Ive had this account for a yr and a half with no problems. They told me I would be able to access my funds until the closing date which is today XX/XX/23 however I was unable to do so. Today my other two accounts where closed while the account with XXXX was taking out my account but the transactions I have one says outstanding items close int w/o fee then theres another transaction that says loss prevention closing entry questions/ call

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 2023-06-07 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:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX  ) : Account Number : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I wasn't late. 
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 2023-06-07 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:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : Account Number : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I wasn't late. 
Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
FALSE/INACCURATE INFORMATION I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX XXXX XXXX XXXX On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. Please delete this item within the allowing timeframe pursuant FCRA. ACCOUNT XXXX XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
1.On XX/XX/2023 at XXXX XXXX  my landlord was improperly served my documentation that was no sealed and revealed all my private and personal information. The server also incorrectly reported the landlord reported I am unmarried. 

2.XXXX XXXXXXXX  XXXX has further posted a derogatory report on my credit without confirmation of the debt, or contacting me by phone, in person or by mail ( electronic or letter ). 

3. The collector has failed to give me validation information about the debt in question.

4. This debt is time-barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: IN

Complaint narrative:
I received my credit report on XX/XX/2023 and i notice there were adress that in my account have permissible pourpse to be on there these adress are fraud. i already reach out to the credit bureaus about this multiple times they keep violating my rights under 15USC 1681b. I also have attach the adress on file that don't have no purpose to be on my credit report

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 2023-06-08 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: NY

Complaint narrative:
I contacted all three credit bureaus to have these charges removed due to it being a deformation of my character and You have caused me and my family severe harm due to your negligence and inaccurate reporting

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 2023-06-08 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: NY

Complaint narrative:
I contacted all three credit bureaus to have these charges removed due to it being a deformation of my character and You have caused me and my family severe harm due to your negligence and inaccurate reporting

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 2023-06-08 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: PA

Complaint narrative:
Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$18000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2023-06-07 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: CA

Complaint narrative:
I called experian on Wednesday, XX/XX/2023, on or around XXXXXXXX XXXX XXXX. I got to a XXXX XXXX XXXX agent in the general dispute department. After the first minute of speaking with her, her phone made static noise and I was unable to hear the agent. It sounded like a technical issue on XXXX side. This has happened too many times in the past and has been an ongoing problem far too long. This never happens with XXXX or XXXX. Experian is the repeat offender. This is also a form of call-avoidance and is prohibiting consumers from filing a dispute regarding inaccurate credit reporting over the phone. I have the phone call recorded for proof.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
NOTICE OF DISPUTE I AM WRITING THIS LETTER TO GIVE NOTICE OF DISPUTE AND TO DENY ANY AND ALL DEBT AFFIRM XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX i HAVE SENT THEM CEASE & DESIST LETTER AFTER THEY FAILED TO VALIDATE THE ALLEGED DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the DELETION of the accounts listed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the DELETION of the accounts listed immediately

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 2023-06-07 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the DELETION of the accounts listed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I started the procedure of challenging illegal credit report inquiries on XX/XX/XXXX. They were delivered to XXXX, Equifax, and XXXX by certified mail. Over XXXX inquiries are included across the three reports. Even what pertains to an active account is beyond my ability to discern. I submitted a letter on XX/XX/XXXX, asking for an update on the letter I sent in XXXX because I had not heard anything on the outcome of my dispute. The final letter asking for a resolution to my disagreement was sent on XX/XX/XXXX, but there has been no answer. The credit bureaus have done little to protect my sensitive data, and I am concerned that someone may be utilizing it without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I started the procedure of challenging illegal credit report inquiries on XX/XX/XXXX. They were delivered to XXXX, XXXX, and Experian by certified mail. Over XXXX inquiries are included across the XXXX reports. Even what pertains to an active account is beyond my ability to discern. I submitted a letter on XX/XX/XXXX, asking for an update on the letter I sent in XXXX because I had not heard anything on the outcome of my dispute. The final letter asking for a resolution to my disagreement was sent on XX/XX/XXXX, but there has been no answer. The credit bureaus have done little to protect my sensitive data, and I am concerned that someone may be utilizing it without my permission.

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 2023-06-08 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: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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:
I did not authorize XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX of XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. Please remove this thanks

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 2023-06-08 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:
I did not authorize XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. Please remove this thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX acct XXXX the original creditor so the account which is not account that I-opened I never lived at the address they have on file. I have filed a dispute with all three credit bureaus and since police report of my information being stolen due to a break-in in my car for my personal information was in last year in 2022. I have asked XXXX to remove all addresses that are not mine however they express that I have to go through the consumer financial protection bureau to dispute mine address and creditor needs to send me proof of original contract with my signature on the loan. They have recently got a hold of my new address not sure how however they recently started contacting me in regards to this account that is not mine I refuse to pay for an account that I did not open unless they show me proof that this is an account that I opened I am not liable to pay the account. XXXX told me to contact you in regards to disputing my issue with this credit company or a loan company. Help me resolve this issue thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
Dear CFPB, I am having a major issue with Launch Servicing. I have sent many disputes out regarding inaccurate information on my report but they have not fixed the issue. Today I called them to see how I can get this removed from my report and they did not want to help me. I attached a copy of my report showing different balances reporting across all 3 report. Including an attachment directly from their website showing a completely different balance. Can you please investigate this for me? It is causing emotional distress. If you look at my report this account is also reporting as 120 and 180 days late but also shows as a delinquent account for many years. I don't understand how its reporting as open and late. I am also going to file a complaint with the state attorneys office if this company doesnt delete this account because as mentioned I have filed several disputes already and they are still violating the FCRA XXXX I'm sure they are aware that they are violating my consumer rights. Thank you in advance for investigating this matter. Please see attachment

Company response to consumer: Closed with explanation