vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-14 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX Has failed to correct and report proper payment status and balance of this account to my detriment. XXXX XXXX XX/XX/XXXX as well as XXXX, XXXX, and XX/XX/XXXX they have failed to fully report the status and balance of this account. Omitting this information has resulted in positive payment History creditors dropping me from making any withdrawals as these omissions are reporting as unknown and presumed as missed payments. I have settled this account with XXXX XXXX and they continue to report incomplete information. After settling this account they reported this account with a new major delinquency XX/XX/XXXX to the credit bureaus after agreeing to report the account as XXXX XXXX XXXX this creditor is spiteful and unjust even after I elected to settle the account in good faith. Even now they will not report the original balance, the date closed, past due amount which should say {$0.00}, or date of last activity. I have been told by XXXX XXXX that the new reports would be correct and after disputing with the bureaus they refuse in an effort to harm my odds of homeownership or favorable credit scores they have failed to report accurate and complete information numerous times please delete this account from all bureaus.

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 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
My Target Credit Card has been closed since I closed it XX/XX/2022 and yet it shows open and current even after disputing issue with XXXX XXXX three times. I need your help to remove its active status from my reports. 
XXXX XXXX Account ending in : XXXX Please remove this account or show that it is closed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Cashnetusa.com sent a threatening demand letter related to a payday loan from 10 years ago. The letter is from XXXX XXXX XXXX. The letter says that they are threatening criminal fraud action against me in addition to civil claims. It uses a fake " filed '' stamp on the letter. It also threatens to subpoena relatives. The group has also called the personal home phone number of my boss in the past even though I never provided my boss as a reference ( and they left threatening and embarrassing voicemails with my personal information in it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Date Opened : XX/XX/2013 Dear XXXX XXXX Experian This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached.. This account are hindering me from obtaining new credit and thus causing me much hardship. 

I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove this account from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

Please remove it from my credit report or Im seeking litigation please delete. 

This account on my XXXX credit report has been on there way too long and inaccurate. When contacting the creditor they said they do not know why XXXX still is showing the account when it has been deleted on their end and according to them and XXXX has themselves deleted the account 2 years ago. They said its not up to them but up to them credit reporting agency. 

XXXX stated that it should of been deleted over 2 Years ago as it was a XXXX account

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 2022-08-14 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: OK

Complaint narrative:
My identity/ personal information was stolen and used to fraudulently open several accounts. I have spent the an enormous amount of time contacting the XXXX credit bureaus to dispute the in accurate information to no avail. XXXX asking you to help me get my life back. 

XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXXXXXX XXXX {$500.00} XXXXXXXX XXXX XXXXXXXX. {$100.00} XXXX XXXX. {$5100.00} DEPT OF EDXXXX XXXX {$7900.00} DEPT OF EDXXXX {$5500.00} XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX {$9900.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$400.00} XXXX XXXX {$350.00} XXXX XXXX {$480.00} XXXXXXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXX {$3300.00}

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 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I recently noticed this past XXXX of 2022 that I had a collection from this company however I did not open this account or have any knowledge of it. I contacted grain customer service support and the representative told me it was marked for deletion from the credit bureaus. However it still appeared on my credit report and I filed a dispute through XXXX and they said the information was accurate although this customer support representative told me it would not be on my credit report. I dont even know the login into this account or what information is uploaded to it. I have no received any kinds of letters in the mail with any information about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I, XXXX XXXX XXXX, was denied an extension of credit by Bank of America for the and I understand that " credit '' is the right granted pursuant 15 USC 1601 ( f ) and I am the " creditor '' pursuant 15 USC 1601 ( g ). When I applied for a XXXX XXXX Credit Card. In good faith I exercised my right to credit in which I intended for my personal, family and household use and was discriminated against pursuant to 15 USC 1691a ( 3 ). I understand that no personal information shall be taken for public use without equal and or just compensation pursuant to the US Constitution. entered into a consumer credit transaction with Bank of America by submitting an application which became an asset when I entered my name, address, phone number, email and social security number which secured an account in which I received No Benefit. Since I received No Benefit pursuant to 15 USC 1602p this is an unauthorized use of the consumers social security number/credit card pursuant to 15 USC 1602l . I have enclosed a copy of the adverse action letter which evidences unfair, deceptive and abusive practices pursuant to 12 USC 5531 in which I have highlighted. Since the letter you sent me on XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. I demand that Bank of America resort to reasonable procedures to rectify this affair and compensate me for the use of my personal information along with my social security number and all the proceeds it generated in the application/asset. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.

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 2022-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Was informed that opening a line of credit with XXXX XXXX would be a soft inquiry and not a hard inquiry. When I informed the manager, XXXX, he misinformed me and it was a had inquiry, he was rude. I told him that the card needs to be cancelled and he said your credit will eventually go back up. I have reached out to the company and they referred me to 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 2022-08-15 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: AR

Complaint narrative:
I would like to state that XXXX, XXXX, and Transunion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX, XXXX, or Transunion written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, XXXX, and Transunion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If XXXX, XXXX, or Transunion wants to continue to do business with me, they should delete these inaccuracies off my consumer report 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 explanation
Consumer complaint received 2022-08-15 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: AR

Complaint narrative:
I would like to state that XXXX, Experian, and XXXX is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX, Experian, or XXXX written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, Experian, and XXXX these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If XXXX, Experian, or XXXX wants to continue to do business with me, they should delete these inaccuracies off my consumer report 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 explanation
Consumer complaint received 2022-08-15 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: IL

Complaint narrative:
First off I am XXXX, my mom helps me with all my decisions, and she showed me that I received a preapproved XXXX XXXX, I use this for personal [ college ] purchases and I also purchased some items for my trophy truck. My mom said this would help build my credit and have some responsibilities. Prior to moving to Illinois that balance was paid. We arrived here and get this bill for {$4000.00} and I immediately called XXXX and wanted to know what was going on. They said they were going to research and came back with this as your IP address, name, SS number, and date of birth, but the wrong address. These charges were from XXXX XXXX XXXX XXXX XXXX XXXXz. And they said this is your responsibility because everything comes back to your identity. I have been fighting this for the past 2 years. I am trying to raise my credit score as I am purchasing a home with my mom and with this hoovering over my head I can not move forward.

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 2022-08-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Act, XXXX  account # XXXX with XXXX XXXX account # XXXX with XXXX XXXX XXXX and XXXX  account # XXXX with 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 : also states a consumer reporting agency can not furnish an 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 2022-08-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Act, XXXX  account # XXXX with XXXX XXXX account # XXXX with XXXX XXXX XXXX and XXXX  account # XXXX with 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 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: FL

Complaint narrative:
Complaint Against XXXX and EXPERIAN XXXX XXXX XXXX made false claims ( that they have since retracted ) about XXXX ( XXXX ) late payment dating back to XX/XX/2020. Although XXXX XXXX XXXX fixed the error on their side, and has notified XXXX and Experian, XXXX and Experian refuse to correct the false report and is publishing false information about me without my consent. 

It is my understanding that : According to : 15 U.S. Code 1681b - A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless the consumer consents to the furnishing of the report.

Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

XXXX. I have provided NO WRITTEN CONSENT to XXXX or Experian or to XXXX XXXX XXXX to provide/publish/display/collect information about me, my credit or financials XXXX. XXXX and Experian have been informed about the error and continues to provide false information XXXX. XXXX and Experian have not performed a reasonable investigation into the matter, which if they had, would quickly determine the report was false, as was realized by XXXX XXXX XXXX. 

Need XXXX and Experian to remedy this immediately : XXXX. Remove false late payment 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 2022-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I had no knowledge of this loan until I was contacted by a company call XXXX XXXX on XX/XX/XXXX, They told me they were contacting me on behalf of Mobiloans an online lending company and that I was being sued for an amount that was not disclosed to me. It was said the loan was taken out somewhere in " XXXX ''. The rep on the would not give me her name and she was nasty. I reached out for help where I was then given contact information on the company mobiloans. I called the company and spoke with a rep named XXXX who gave me information on the account. The loan amount was {$1500.00}, taken out on Tuesday XX/XX/XXXX, at XXXX using an old address that I used to live at. Using what seems to be my XXXX XXXX bank account. I have pulled my bank statements from XXXX and XXXX and online deposit of XXXX was ever placed into account. 

I can also attach my bank statements that show on XX/XX/XXXX, I did receive a loan in the amount of XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-08-15 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 have my credit affected and have hard inquiries on my credit report due to my decreased dad using my name and social security number in a fraud attempt he applied for bank cards under my name and credit and now my credit is low because of him my credit shows XXXX XXXX instead of XXXX XXXX but yet is still connected to me this is wrong because of this I have a hard time getting approved for car loan and home loan and even finding apartments or homes

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 2022-08-15 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 reached out to Experian Credit Reporting regarding inaccuracies on my credit repot, with one collection specifically. XXXX XXXX XXXX has listed on my credit report inaccurate information. 
This is the correct information, directly from the loan documents. 
1. Date Opened - XX/XX/XXXX I signed document in XX/XX/XXXX electronically *see attached 2. Last Payment - The company shows last payment XX/XX/XXXX but shows {$0.00} and in XX/XX/XXXX shows 120 days past due. If I had made a payment it would have been modified, they clearly state {$0.00} was taken. 
4. In XX/XX/XXXX, I recieved a collection notice with the amount of {$810.00}. Yet the report states it was {$960.00} in XX/XX/XXXX. 
*I have included several documents showing my previous disputes and response from Experian , as well as loan docuemnts. 
I have requested documentation and a response from XXXX with no answer. They have been sent the same documents. I have disputed this XXXX in the last six months. 
I want the correct information provided, with documentation, which both Experian and XXXX refuse to give me. 
I am currently in a class action for Experian and XXXX XXXX for inaccurate information from years ago. They seem to be repeating themselves. 
I understand the collection company verified the acct, but with what? Is there word enough, even when I have loan documents, clearly stating correct date and information. This has been an issue for 2 years, directly impacting my ability to get credit.

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