vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/2023 XXXX XXXX XXXX  XXXX/2023 TU 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 15 U.S.C 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 than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

1. XXXX XXXX XXXX XXXX ACCOUNT # : XXXX | {$0.00} 2. XXXX XXXX ACCOUNT # : XXXX | {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America account ending in XXXX. Bank of America has reported a charge off on my credit report, without issuing a 1099c. ( 15 USC 1681 ). Bank of America has sold my personal information to a non affiliated third party, which i have no contract with, which is identity theft. The third party is threating to sue for debt that has been charged off.

This is a XXXX  debt collection practice. ( 15 USC 1692c ). This has caused me 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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: MN

Complaint narrative:
I reached out by mail to companies listed on my credit report for validation of debt, they have yet to respond. It has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This company knows I was a victim of fraud and are still ruining my credit!! 

Coming after me for debt not mine!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
This card has a 0 % introductory interest rate until XXXXXXXX XXXX XXXXXXXX. The company has been illegally  breaking their contract and charging interest on the card since XX/XX/XXXX and is currently charging interest on each statement. 

I would like to be reimbursed for the interest charged as well as extend the 0 % interest introductory rate for as long as they illegally were charging me interest which is another 6 months through XXXX. 

I will also bring this up with a lawyer to get more money from them breaking their contract. And plan on closing my account because the company XXXX  and doesn't care about their customers when my XXXX credit card experience is the exact opposite and I don't have issues like them breaking their contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Needs to Re Investigate the information on my consumer report. They are not in XXXX XXXX compliance and are violating The FCRA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
Genesis has called and texted multiple times about a supposed debt owed to my former landlord. I have repeatedly asked for written notice of the debt, including confirming my mailing address. This first started in XXXX. To date, no written notice has arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
Contacted SPS to request information on how to cancel PMI because I am well over the 80 % threshold. I owe {$140000.00} and it is worth {$300000.00} which is 2.07 %. I sent letter to them with the information requested to them on XX/XX/XXXX. SPS responded and acknowledged the letter. SPS sent me a letter on XX/XX/XXXX stating the how to request to remove the PMI. It has been well over sixty days and I do not have an answer, they are charging me {$38.00} per month as I await their response!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: WV

Complaint narrative:
In XX/XX/XXXX I received a debt collection notice in the mail for a utility company in Texas from XX/XX/XXXX. I have never lived in Texas and can give proof that I lived and worked in XXXX  at the time of this service. I called the debt collector and the company they are supposedly collecting on behalf of and was told to email XXXX. I did this and have gotten no response. I have not been given any way to dispute this through the company. I have filed XXXX police reports, XXXX in Texas where this debt occurred and XXXX in XXXX where I live. I am concerned this is going to impact my credit If not disputed and resolved quickly. I need the company to cooperate as the police can not do much since this is for a debt that occurred in XXXX and to my knowledge is not a current or recent issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed this item With XXXX XXXX  Because its over XXXX XXXX XXXX in XXXX the results were for it to be deleted from my credit report buts still there and its 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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
I sent a Debt Validation letter to these companies through certified mail, and they have yet to respond. It has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
This account was originally XXXX XXXXXXXX XXXX XXXX XXXX a fraudlent account opened with my personal information years ago. my wallet was stolen and car broken into with not only my personal information such as social security card, drivers license, and other personal information. not only mine but my entire families social security cards was in my wallet that was stolen and discovered the morning of my baby shower. other bureaus have done there investigation, and properly deleted this inaccuarate, none valid debt that NCA/ National Credit Adjusters keep reporting and they fail to Follow Suit and stop reporting and XXXX fail to delete and remove as XXXX has done so. 

NCA/ National Credit Adjusters original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX ( I did not open an account with them nor The XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Status reporting : OPEN and it's not an open account type reporting : -- Remarks : Account information disputed by consumer, meets FCRA requirements amount showing and reporting : {$440.00} none valid because when I originally found out about this fraudulent account opened in my name the original creditor XXXX XXXX informed me that it was a {$300.00} secure card that was opened and it used my information. This account been deleted and removed, then NCA ( NATIONAL CREDIT Adjusters ) come with reinsertion. 

XXXX and XXXX has failed to stop reporting this inaccurate, fraudulent information to my credit profile and has failed to do so for over 3 years now. 

Reinsertions have happened as well regarding this same 1 fraudulent account. I have screenshots as well. They try to gain extra money from me a well and has hindered my financial capabilities because of this faulty systems they have. Defamation to my character because I believe in paying my bills as long as they are truly my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I have owned a car financed by Honda Financial Services since XX/XX/2021. They have failed to report payments made on this account to reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has been some time now that I have been trying to solve these many problems with the bureaus/agencies/creditors/debt collectors. At this point it is necessary for me to move forward with legal action and demand that the agencies remove the items that I have listed. I am leveraging my rights under Federal Law to make sure that these agencies are held accountable for their actions and right these wrongs

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My home was broken into approximately XXXX. I had a personal office in the home. I had details of home in Mississippi, driver 's license, social security number, current home, birth certificate, etc., etc. Police compiled a 14 page police report with the first page stating fraud/ identity theft. I submiited this report to all credit bureaus and requested a verbal password when I call in or submit for credit. I fought Experian for years due to incorrect details on my report just to find they lifted the freeze on their own accord. XXXX XXXX XXXXXXXX took my case XXXX XXXX. Unfortunately, that attorney passed in XXXX. I have since joined XXXX. Today, XX/XX/XXXX, I received 3 alerts notifying my of payday loan attempts. I spoke with both XXXX and Experian whom have unprofessionally lifted my freezes once again. Stating it's an initial freeze. I NEVER lifted the freeze! Everyone I speak to can not be understood and definitely not concerned. I've had taxes filed against my name and the IRS treats me like the criminal and refuses to file my taxes or lend any support! I am fed up and disgusted by Experian and XXXX unprofessionalism, fraud, and continued exposure which continuously place me at a disadvantage. Furthermore, I would not be surprised if these were intentional inside jobs. I have suffered way too long attempting to regain my good name due to systems set by the government to help, but only causes misery and happen to be the real issue.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

1. XXXX  XXXX | ACCOUNT # : XXXX | {$0.00} 2. XXXX  | ACCOUNT # : XXXX | {$13000.00} Additionally there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. 

1. XXXX XXXX XXXX  IL XXXX | REFERENCE # : 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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There were few cards applied on my name with stolen of my identity. I have called these companies and closed the accounts. 
1-XXXX XXXX Amount {$600.00} Opened XX/XX/24 2-XXXX XXXXXXXX Amount {$2000.00} Opened XX/XX/24 3-XXXX XXXX Amount {$2100.00} Opened XX/XX/24

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