vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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: CO

Complaint narrative:
In accordance with, and under the protection of the ( fcra ) FAIR CREDIT REPORTING ACT. I ask for the complete investigation, verification, and subsequent removal of any and all inaccurate, incomplete, and or unverifiable accounts being reported by credit bureaus. These laws sited insist privacy, permission, accuracy, fairness, and complete investigation before reporting any information and alleged accounts. 15 U.S.C 1681sec 602a, 604a sec 2, 1681i ( f ) ( 3 ) ,1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These are the inquiries in. question. ( 1 ) XXXX XXXX XXXX XXXX XXXX. ( 2 ) XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX. ( 4 ) XXXX. ( 5 ) XXXX XXXX. ( 6 ) XXXX. ( 7 ) XXXX  XXXX XXXX. ( 8 ) XXXX XXXX XXXX ( 9 ) XXXX  XXXX. ( 10 ) XXXX  XXXX  XXXX. ( 11 ) XXXX XXXX XXXX. ( 12 ) XXXX  XXXX. ( 13 ) XXXX  XXXX. ( 14 ) XXXX  XXXX XXXX XXXX. ( 15 ) XXXX XXXX XXXX XXXX  XXXX. ( 16 ) XXXX XXXX XXXX. ( 17 ) XXXX XXXX XXXX XXXX ( 18 ) XXXX XXXX XXXX ( 19 ) XXXX XXXX. ( 20 ) XXXX XXXX. ( 21 ) XXXX XXXX XXXX. ( 22 ) XXXX XXXX. ( 23 ) XXXX XXXX  XXXX XXXX. ( 24 ) 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 2023-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX XXXX XXXX, I received a notice from XXXX XXXX  stating I owed XXXX XXXX XXXX {$210.00}. ON XXXX, I disputed this account by letter to XXXX XXXX, requesting validation. XXXX later provided an account statement from XXXX XXXX, but failed to provide a contract or a signed finance agreement as requested. nor did they provide proof of their right to collect on this alleged debt. On XXXX XXXX inaccurately reported this account to XXXX, XXXX XXXX Trans Union, naming XXXX XXXX as Creditor. On XXXX I disputed this collections account with XXXX. Instead of deleting this account as being inaccurately reported, XXXX allowed XXXX to Update the inaccurately reported account and changed the creditor to XXXX XXXX. XXXX also accepted a fraudulent account statement to substantiate this debt without requiring a signed agreement or contract for services. If they had, they would have discovered there was none. They also would have discovered that XXXX claimed to provide additional coverage outside the coverage period without authorization. XXXX did not stop collection procedures until the debt was validated. Prior to this XXXX Collections report I had a! 00 % payment history and XXXX XXXX XXXX. I believe XXXX, XXXX, XXXX XXXX Trans Union violated the Fair debt reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: MI

Complaint narrative:
This debt was included in a XXXX XXXX that was field on XX/XX/23. The creditor did NOT show to the meeting or the creditors and was notified of the filing by the XXXX XXXX Bankruptcy Court of Michigan. The debt was discharged on XX/XX/23 and the creditor was notified by the court and I also emailed proof that the debt was discharged. However, the creditor then reported that this debt is over a 120 days past due when it was was discharged in XXXX XXXX bankruptcy which is illegal. I am asking that this be removed due to legally they CAN NOT collect on this debt. I am trying to rebuild my credit and this caused my score to drop XXXX points when legally they should not have been allowed to report this debt because they can not college on the debt. This was discharged in bankruptcy, legally I dont owe then a dime. It is not past due because it was discharged. I have also called and emailed this company several times and received no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Around XXXX or XXXX of XXXX  I was removed as an authorized user from the following company Creditor Information HUNTINGTON NATIONAL BANK HUNTINGTON BANKS XXXX XXXX XXXX XXXX, OH XXXX On my credit report it's showing as a {$0.00} balance as it should, because I'm no longer responsible for this card, the original owner is. Today on XX/XX/2023 I was checking my XXXX XXXX account and my score decreased over XXXX points because the person responsible for the account is no longer making their payments on time. I shouldn't be held responsible for an account I'm not an authorized user on. I submitted a dispute, I have yet to hear back from the company. I'm in the process of purchasing a house and they have ruined those chances because of this ERROR! Huntington should be held responsible for this error, it's not fair to me, a consumer to suffer the down fall of someone else 's mistakes/actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
Received notice from INNOVIS Consumer Assistance that they were " required to send this letter per the Colorado Consumer Credit Reporting Act requires consumer reporting agencies, like Innovis, to notify consumers that negative information was added to your credit report ..... '' This Notice, states that " Accounts with Negative information was added to my to your Innovis Credit Report wishin the past 12 months ''. And it states 1 ( one ) item was added. 

When I tried to call the XXXXXXXX XXXX listed, it answers with recording, telling me to record my Social Security Number and name and address. 
Of course, I did not do that. 
The " case ID # '' listed on this paper is : XXXX The only listed address is XXXX XXXX XXXX, XXXX, GA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusion.-Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experience between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been attempting to have a fraudulent account removed from credit report. Every time I send a letter to XXXX XXXX asking for information about this fraudulent account or to dispute I receive a letter back and I'am simply told " We are following up on a fraud notification that you recently filed with XXXX XXXXXXXX stating that you believe there is fraudulent activity on your XXXX  XXXX account. Unfortunately, with the limited information that we received from you, we can see no evidence of fraud on your account and we are not taking any action at this time. '' The problem is THIS ISN'T MY ACCOUNT!!! XXXX XXXX refuses to do anything other than send out form letters claiming this account is mine when it isn't. I have filed a police report and an FTC report. One time they claim they had my drivers license but any could have had that and uploaded a copy of it. I want to see where I signed for this credit card and received ANY benefit from it. XXXX is there isn't because someone else clearly used this card and XXXX XXXX REFUSES to do anything about this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: ME

Complaint narrative:
XXXX TransUnion XXXX have violated my right under 15 U.S.C 1681 ( A ) reads The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report i would like all accounts removed which include XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX i would like all accounts Deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: EQUIFAX, INC.
State: ME

Complaint narrative:
XXXX XXXX Equifax have violated my right under 15 U.S.C 1681 ( A ) reads The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report i would like all accounts removed which include XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX i would like all accounts Deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I am Recently under Pandemic Unemployment Assistance. I been on this program since the year XXXX looking to close the account in XXXX. The account has been open and remains open with holding payments for no cause or reason. There is no issues on my end but the biggest and main issue is who filed this claim. I was working with XXXX XXXX in the beginning of the pandemic so i would not and should not have filed not having a clue of PUA. I have sent UI messages to the uifraud department with no real investigation. Lowes LLC is attached. All my proof is tied to Maryland Civil Commission Rights & DOJXXXX  All accessible through Email. I also have Ebt phishing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: NY

Complaint narrative:
I received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: GA

Complaint narrative:
I never received a validation letter via mail or electronically from this 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 2023-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax should have never had a collections report from Get it Straight Orthodontics! My XXXX Early treatment was paid in full after work was done! When work was done and paid in full! I asked for an XXXX XXXX paid in full of what was paid and insurance received by me on XX/XX/XXXX and also I asked to received a XXXX from a Doctor in XX/XX/XXXX! Please what I would like to have happen is for Equifax to immediately take this off my credit report and deleted from my credit report! Also having a mistake/ False accusation on my credit report has been damaging! It is not accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
This company has multiple accounts on my credit report. I found out that this company is a credit card company but has XXXX different account numbers. I tried disputing with the company that I never opened an account with them. They said that they would investigate it and send me a letter within XXXX days. I haven't received a letter nor a call back. It has been XXXX months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: TN

Complaint narrative:
Ive disputed several accounts with experian, XXXX and XXXX XXXX about late payments, it is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( I ) my consumer report should not contain information solely as to transactions or experiences between the consumer and the person making the report. 
Accounts are : 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 explanation
Consumer complaint received 2023-06-12 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: EQUIFAX, INC.
State: OH

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.

The letters are stated with items and issues.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I qualify for the Navient XXXX XXXX and have not received compensation or loans XXXX.

Company response to consumer: Closed with explanation