vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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: IN

Complaint narrative:
I apply for a car loan for my vehicle and my credit. Other leaders unauthorized pull my creditors I tried to dispute this with the credit report companies, and they refuse to take it off. Please help me with this matter This is company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing to dispute the inaccuracies on my credit report with Transunion.

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 2022-10-13 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:
DPT/ED/XXXX  XXXX XXXX or XXXX DPT/EDXXXX  XXXX XXXX or XXXX or XXXX or XXXX DPT/EDXXXX  XXXX or XXXX or XXXX DPT/ED/XXXX XXXX XXXX XXXX or XXXX DPT/ED/XXXX XXXX XXXX or XXXX or XXXX or XXXX DPT/ED/XXXX  XXXX or XXXX or XXXX DPT/ED/XXXX XXXX3800.00} XXXX XXXX or XXXX or XXXX or XXXX DPT/EDXXXX XXXXXXXX or XXXX or XXXX DPT/EDXXXX XXXX XXXX or XXXXor XXXX or XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 's are listed above, 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 an account without my written instructions. 

Previous claim with CFPB, claim # XXXX, XXXX deleted the account. I have attached a pdf file with the XXXX credit report of the disputes, which proves the deletion of an account from the same company.

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 2022-10-13 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:
DPT/EDXXXX XXXXXXXXXXXXor XXXX or XXXX DPT/ED/XXXX XXXXXXXX XXXX or XXXX or XXXX or XXXX DPT/EDXXXX XXXXXXXX or XXXX or XXXX DPT/ED/XXXX XXXXXXXX or XXXX or XXXX DPT/EDXXXX XXXX XXXX or XXXX or XXXX or XXXX DPT/EDXXXX XXXXXXXX or XXXX or XXXX DPT/ED/XXXX XXXX00.00} XXXX XXXX or XXXX or XXXX or XXXX DPT/ED/XXXX XXXXXXXX or XXXX or XXXX DPT/EDXXXX XXXX XXXX or XXXX XXXX or XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 's are listed above, 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 an account without my written instructions. 

Previous claim with CFPB, claim # XXXX, Equifax deleted the account. I have attached a pdf file with the EQUIFAX credit report of the disputes, which proves the deletion of an account from the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
After looking at my credit report I've noticed inaccurate reporting of personal information. 

Name, Address, date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
After looking at my credit report I've noticed inaccurate reporting of personal information. 

Name, Address, date of birth

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 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: TX

Complaint narrative:
I paid my home off at XXXX XXXX XXXX XXXX, XXXX, Texas on XX/XX/2022. Around XX/XX/2022, there was a three-way call with Gregory Funding , the title company and myself regarding the escrow owed which was verified at {$2700.00}, and the representative stated the escrow was released. I asked when it was mailed and he stated it had not been mailed but would mail it within 15 days. As of today I have not gotten my escrow payment back. I also called back about a week ago to give them the new forwarding address to send the payment to which is XXXX XXXX XXXX, XXXX, Texas XXXX and still have received the payment. They also told the title agent that it would take 45 days to release the papers for the home in which the title agent thought it was quite excessive compared to other mortgage companies. I would like my escrow back as soon as possible please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
My issue began with Goldman Sachs Bank USA in XXXX of 2022. I disputed a charge in the amount of XXXX for XXXX XXXXXXXX XXXX  XXXX I put my dispute in writing. I paid all of my bill that month, minus the disputed amount of {$8.00}. In XXXX of 2022, I was charged again for XXXX XXXX  {$9.00} this time. I paid my bill in full, minus the disputed charge of $ XXXX In XXXX of 2022, I was charged {$9.00} for XXXX XXXX  AND XXXX XXXX credit for {$9.00} ( a disputed charge ), {$9.00} ( a disputed charge ) and a credit for {$8.00} ( a disputed charge ). So, XXXX agreed with me that these charges were not authorized. I thought the issue was resolved. No. In XXXX. I was again charged XXXX for XXXX  I paid my bill in full except for the $ XXXX disputed the charge. In XXXX, I was charged {$9.00} and credited {$9.00} for this same disputed charge. 

My issue is that all along this credit card company has been charging me interest on the disputed charges. Total interest charges are now at {$33.00}. This is outrageous. I have always disputed the charges ( evident by receiving the credit ) and have written to this company asking for credit on my erroneous interest charges. They refuse to issue credit for the interest charges. I want this company to credit me {$33.00} in interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

The original creditor was XXXX XXXX XXXX that was a credit card. I bought a big purchase that did not reach me in time in XX/XX/2021. I returned the parcel to the company it was purchased and received a notification that my order would be refunded in four days. After contacting the company after a week with no return I was told my order would need an investigation tracking the order before the return could be released. 
I notified the creditor of the situation and they told me that I wouldn't endure fees once the refund was processed. I was notified the case for the parcel was closed and the refund had been return to original form of payment. When I contacted Credit One I was informed they sold the account due to non payment. I began disputing the collection with midland agency with no help to accurately display the credit.

When contacting Midland Agency of this year and speaking to a manager they confirmed that had on file that the return was processed and indeed was returned to my account. But I still had to pay them because they bought this account a they would be willing to offer me a discount if I paid to settle that day. I declined because I don't have the purchased items, the money I spent, or my account. That would be me paying double for inaccuracies on my account. They told me they would open their own investigation which resulted in them sending me a letter saying they verified the account was mine and I needed to pay. There was no evidence of them trying to acknowledge the returned money on the card. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. & 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

I request that this account be removed from credit report from all reporting agencies along with my information and information of the account being held.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 XXXX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS 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

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 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 XXXX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: TX

Complaint narrative:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX Account # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 

I attached a consumer report as evidence.

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 2022-10-13 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: CA

Complaint narrative:
To whom it may concern, Last year around December I decided to take a look at my credit report and saw that there is a XXXX XXXX XXXXy being reported. I requested verification from the credit bureaus and XXXX. When I disputed with the bureaus that the Bankruptcy was not accurate and that I didn't want to be susceptible to identity theft they ( I also sent an affidavit ) they responded that they verified and it was " accurate ''. However, when I received a response from XXXX they said they couldn't verify or find my information, mind you I did include my social security number. So how were the credit bureaus able to verify my information with 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 2022-10-13 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: CA

Complaint narrative:
To whom it may concern, Last year around December I decided to take a look at my credit report and saw that there is a XXXX XXXX XXXX being reported. I requested verification from the credit bureaus and XXXX. When I disputed with the bureaus that the Bankruptcy was not accurate and that I didn't want to be susceptible to identity theft they ( I also sent an affidavit ) they responded that they verified and it was " accurate ''. However, when I received a response from XXXX they said they couldn't verify or find my information, mind you I did include my social security number. So how were the credit bureaus able to verify my information with XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NJ

Complaint narrative:
In XXXX of 2021 a collection with L J ROSS ASSOC XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Was deleted from my credit report because it was not mine. Information provided says it was for a XXXX XXXX account which I never had in my name. I was just alerted by XXXX XXXX that this scavanger debt collector says this account was opened 1 month ago which is a lie as I went through this a year ago and it was removed because LJ ROSS could not validate this debt. My credit score went down XXXX points because they just decided to erroneously and illegally put this on my credit like a new collection account. When you call this office, they attempt to threaten, harass and berate you into collecting money. Please have them remove this from my credit. I do not even liv ein NY

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TX

Complaint narrative:
I have sent out all that was required of me by XXXX and Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a BBB 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 non-monetary relief
Consumer complaint received 2022-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Account # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX Account # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT XXXX XXXX, has violated my rights, XXXXXXXX XXXX  account # XXXX has violated my rights, XXXX XXXX account # XXXX has violated my rights, XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 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. 

15 U.S.C 1681 section 602 ( A ) States I have the right to privacy. 15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 168s-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 2022-10-13 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: FL

Complaint narrative:
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 Account # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX Account # XXXX has violated my rights, XXXX  XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT XXXX XXXX, has violated my rights, XXXX XXXX  account # XXXX has violated my rights, XXXX  XXXX account # XXXX has violated my rights, XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX  ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 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.

15 U.S.C 1681 section 602 ( A ) States I have the right to privacy. 15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 168s-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 explanation
Consumer complaint received 2022-10-13 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX 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 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