vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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:
Consumer Financial Protection Bureau To Whom It May Concern : I am writing to file a complaint against Experian. 

I recently disputed some inaccurate and damaging information on my credit report. First of which being XXXX  XXXX XXXX account number # XXXX I contacted the original creditor which told me I don't have a account with them. This Account doesn't report to any of the other bureaus Experian is solely report this inaccurate information. 
Only Experian is reporting it this way no other of the 3 major reporting bureaus. 
Experian is also reporting my two open XXXX XXXX XXXX  accounts, account numbers # XXXX & # XXXX as closed. These accounts are open and the creditor has sent proof of such to all 3 major reporting agencies only Experian are reporting the accounts as closed. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SS # 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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2022, I tried to apply for a loan with XXXX and was denied due to a recent inquiry that was done on XX/XX/2022, by US BANCORP . Recently all my information was hacked.

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 2022-04-12 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: FL

Complaint narrative:
My credit report contains many errors. 
I request your investigation of the following " personal information ''. 
Please see the attached photo copy of my drivers license for your reference. 
For the record : XXXX. My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY as they are not accurate! 
XXXX. My current address is : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX Please remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( 10 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of 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 2022-04-12 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: OH

Complaint narrative:
On XX/XX/2022, I received a notification that Equifax added a negative account to my credit report that I have no knowledge of. This isn't the first time Equifax has violated my rights. The account is from XXXX XXXX XXXX, whom I've never done business with for the amount of {$120.00}. Equifax left a completely false and dishonest comment on my credit report claiming " Account information disputed by consumer, meets FCRA requirements ''. I know for a FACT that's a lie because I've never done business with this company and I NEVER received ANY and ALL completed documental evidence concluding this investigation since it " meets '' FCRA requirements. Where are my investigation results that are to be sent to me by law? How was this information verified and by who? When? Where?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XXXX. They are making repeated calls to me every day and harassing me. 
XXXX. They sent me a letter in the mail saying I owe {$3000.00}. My original payment principal was {$1100.00}. They also charged me a late fee of {$380.00}, which is more than my installment payment amounts. This is outrageous and an attempt to take advantage of a customer. I want the payment lowered back to the principal immediately. My hours at work have been significantly reduced, and I am unable to pay the installment amounts and definitely will not be paying the extra fees they have tacked on. 

They need to work with me on payments I can afford over time, and they need to reduce the amount I owe by reducing the extra fees they tacked on. I also want the harassing calls to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have best buy credit card through citi bank and i noticed from my credit monitoring account that the account has been closed by the creditor and i have received no communication from the bank. Neither by email nor by paper mail which the bank has been claiming that they have sent. 
I am requesting to please look into this because reapplying for the account will effect my credit score as i have already got effected when I applied it for last time.

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 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We have an account with Bank of America merchant services XXXX ( account number XXXX ) for our XX/XX/2022 invoice we got a charge of {$59.00} this charge is not in our agreement since we didn't process any transaction during this period, the original agreement was a percentage per transaction volume with XXXX maintenance. 

Please refund or cancelled our processing agreement/account. 

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 2022-04-12 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: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
I received correspondence from Sessoms & Rogers P.A. Claiming that I owe a debt to an XXXX XXXX XXXX, and threatened to file suit. However, I have never gotten into any kind of business/financial transaction with this company, not have I signed or agreed to pay any sort of debt to them, and the majority of what was in the packet that I received is 15-20 pages of either blank pieces of paper or papers that just say redacted line after line with no other information. I have tried to contact Sessoms & Rogers through both phone and email, their phone number I only get directed to voicemail, and in their packet was a email address that was slightly misspelled from the address on their website, which makes me feel like its a tactic to prevent you from starting a dispute in order to easily get a default judgement on someone since the email will never deliver. 

I am requesting that they prove that I am somehow responsible for this debt that they claim, that it is within the Statute of limitations, and that the amount is in fact accurate. I do not agree with their claim in any way shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: CURO Intermediate Holdings
State: DE

Complaint narrative:
Obtained copy of consumer report and noticed unauthorized accounts and inquiries I submitted a ftc report I am a victim of identity theft and i am demanding removal of accounts and inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: FL

Complaint narrative:
My credit report contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my drivers license and statements for your reference. For the record : XXXX. My name is : XXXX XXXX. Please remove all other name variations IMMEDIATELY as they are not accurate! 
XXXX. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( XXXX ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX, XXXX XXXX XXXX reported a {$66.00} debt, for XXXX services : To AWA collection, XXXX XXXX  XXXXXXXX XXXX caXXXXXXXX ( reference number ; XXXX ) this service was paid by my insurance company in the year XXXX by XXXX XXXX If XXXX XXXX XXXX billed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Bank of America inquiries are not mine bank states that they had a problem with me before this is not true this is nit my inquiry

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 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: OH

Complaint narrative:
On XX/XX/2022, Paragon Revenue Group sent a letter and an invoice to MY address ( Without my permission ) claiming that I owe them {$120.00}. I don't know who gave them permission to contact me at my home address, I don't know who they are, or how they have the audacity to claim I owe them ANY money. I sent them a debt validation letter on XX/XX/2022 ( see attached letter and certified mail green slip ). On XX/XX/XXXX, they sent me back everything I did not ask for, further proving they have violated my rights as a consumer ( see attached ). I've never done business with this company, I don't owe them money, and they did not provide me with proper debt validation. They did NOT abide by my demands and reported this fraud account to my consumer credit file anyways ( without my written permission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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:
Upon reviewing my report incorrect information is being reported to my personal credit file. The XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed. XXXX XXXX XXXX Inquired on XX/XX/ 2022, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022, XXXX  XXXX XXXX : XXXX. XXXX, 2022

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 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my drivers license and statements for your reference. For the record : 1. My name is : XXXX XXXX. Please remove all other name variations IMMEDIATELY as they are not accurate! 
2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( XXXX ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of 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 2022-04-12 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: FL

Complaint narrative:
My credit report contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my drivers license and statements for your reference. For the record : 1. My name is : XXXX XXXX. Please remove all other name variations IMMEDIATELY as they are not accurate! 
2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( XXXX ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of 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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Account has been paid. Portfolio Recovery Associate promised to delete this tradeline from my credit report, not just update as paid. Please DELETE, as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
MID VALLEY COLLECTIONS FILED A CLIAM OUT OF VENUE DUE TO BEING CAUGHT BY XXXX XXXX OF XXXX COURTS ON XXXX XXXX SEPERATES ATTEMPS BECAUSE OF CASES I FILED IN HIS COURT ROOM HE KNEW MY WORK SHCEDULE AND THEM TO PROERLY SERVE ME AND THEN COM XXXX BACK INSTED THEY FALSELY FILED IN XXXX WHICH LEGALY OUT OF VENUE CLIAMING THEY SERVE ME ON THE XXXX OF XXXX  THIS WAS A CREDIT CARD OF XXXX XXXX WHOM WENT OUT OF BUSINEES AND LEFT ME NO WHERE TO PAY THE ORIGNAL AMOUNT WAS XXXX THEY PLACED XXXX ON MY HOME AND TOOK XXXX NEED HELP TO RETREVE XXXX Back I am care provider for my disable daughter on fix income and suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: DE

Complaint narrative:
Obtained copy of consumer report and noticed unauthorized accounts and inquiries I submitted a ftc report I am a victim of identity theft and i am demanding removal of accounts and inquiries

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account XXXX named XXXX XXXX ASSOCIATES HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES, I HAVE THE RIGHT TO PRIVACY 15 USC 1691 SECTION 604 A SECTION 2. I ALSO STATE OF CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITH OUT MY WRITTEN, THIS ACCOUNT DOSEBNT BELONG TO ME. I NEED FULL INVESTIGATION AND SEND COPYS TO ME WITH WHAT EVER RESULTS INCLUDING PROFF.

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 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Someone used my information to open accounts in my name I want to dispute this immediately. I am a victim of identity theft and the following accounts are fraudulent XXXX XXXX  delaware XXXX XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00}

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 explanation
Consumer complaint received 2022-04-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
1- XXXX XXXX  : Don't recognize this account, i think there was an error this has to be fraud. thank you 2- XXXX XXXXXXXX XXXX XXXX XXXX : Don't recognize this account, when XXXX came a lot of people was doing fraud on accounts and i think mine was one of them.

3- XXXX : Don't recognize this account, i don't know where it came from or who did it but it says unspecified inquiry that i didn't make is fraud. i called the company and they said the same thing

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
some of the credit inquiries on my reports I dont recall like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX . I definitely don't know or recall any of these inquiries. These ruin your credit and prevents you from obtaining more credit like leases, loans, mortgages and higher limit credit cards, preventing me to live a better life or to help the economy. 
And secondly they have an applied bank card on my report for 7 years stating that I owe {$1100.00} or something. I had owed just {$490.00} and 7 years ago, so according to the law of an act of a contract in new york after 6 years the contract is over, finished and not valid, and therfore have to be removed off my credit report. So both of these situatios the credit bureaus are 100 % guilty and in violation of privacy and consumer credit laws and should be prosecuted and fined and sued to the fullest extent of the law as they continue to screw the residents and citizens of United States. I've disputed these things at least 2 times and they either don't respond or doesn't provide any evidence against me. Please make them remove all negatives off my reports asap 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 explanation