vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

These accounts haven't been late since XXXX The information is inaccurate. Please remove late payments from below accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is current. 
XXXX XXXX XXXX XXXX XXXX XXXX - Is current. 
XXXX XXXX XXXX XXXX XXXX - Is current. 
XXXX XXXX XXXX XXXX XXXX  - Is current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
Many years ago, I received the letter from Malin and associates. They were trying to collect a debt from me I had no idea who they were and basically I ignore them. They did start calling me and I told him I had no idea what the debt was about. At the time that they were calling me I was going through a divorce. My social security number was stolen at the time, I could not make any valid accusations but I kind of knew who did it. My ex-husband was living with someone at the time and he had all of our paperwork in his apartment and I think the person he was living with got hold of my social security number. Anyway, sometime last year, a bank account that belongs to my son was garnished because of this loan that I never applied for. I went to the police, I filed a report, I had the money returned and I saw this loan was on my credit report. But on my credit report, it says it was written off and it was no longer affecting my credit. I called this company and I told him everything that was going on I told him I went to the police. The whole thing was done as far as I knew. And now today I just received a letter from them again saying that my fraud case was invalid and I owe them the money and now they're adding interest. I don't want to go through these issues with this company again. I did not take a loan out, I was in the middle of a divorce, I did not take any loans from anywhere. And also the name that is on the letter that I received is not even my legal name. My legal name, which I have always used is what I am giving you today. Even when I was married, I did not change my name legally. My name on my driver 's license, social security card, and my tax returns etc everything else has always been the name that you see here that I am giving you. This company keeps harassing me And I really don't want to go through any more problems with them anymore. I think they said that this loan was from 2014? I can't even get a straight answer from them, I've asked them multiple times to show me proof that they have that I took a loan out. They have yet to do that. They just are very rude on the phone whenever I call, and they never give me any answers. I really don't want to call them anymore because it just causes more problems. I have never taken a personal loan out in my life. The only loans I have ever taken out were for my cars which were through actual car dealerships and I took a small student loan out for my son. I really need some help with this because I am a single mother and I'm trying to put my kids through college and I really don't need the stress from this company because they already messed around with one of my bank accounts once. Please help me and need to get these people to just leave me alone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im writing to you because the XXXX major credit reporting agency are reporting inaccuracies information on my credit report XXXX, XXXX and TransUnion. This account was deleted from my credit profile and was reinserted, Section 611, states I was to be notified in XXXX business days of this account being reinserted back onto my credit profile and also according to the FRCA all XXXX credit reporting agencies must have the same information. 

I also opening up a new dispute on XX/XX/2023 and got a response back in XXXX  days that the item was verified as mines. It take an investigation XXXX days. So I'm assuming they never investigated the account. I stated in my dispute please provide all statements showing the exact past due any miss payments and the exact date this account became negative. 

I tired to filed another dispute with TransUnion and XXXX received a documents saying I can't opening another dispute according to the FCRA as a consumer you can dispute any reporting inaccurate information reporting on your credit profile. Below is the account in question. 

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Im writing to you because the XXXX major credit reporting agency are reporting inaccuracies information on my credit report XXXX, Equifax and XXXX. This account was deleted from my credit profile and was reinserted, Section 611, states I was to be notified in XXXX business days of this account being reinserted back onto my credit profile and also according to the FRCA all XXXX credit reporting agencies must have the same information. 

I also opening up a new dispute on XX/XX/2023 and got a response back in 3 days that the item was verified as mines. It take an investigation 30 days. So I'm assuming they never investigated the account. I stated in my dispute please provide all statements showing the exact past due any miss payments and the exact date this account became negative. 

I tired to filed another dispute with XXXX and Equifax received a documents saying I can't opening another dispute according to the FCRA as a consumer you can dispute any reporting inaccurate information reporting on your credit profile. Below is the account in question. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I contacted Westlake Financial around XXXX, to voluntarily repossessed my car. They agreed and contracted with a company to picked up the car. I was sent a letter within XXXX business days, informing me that car will be sold at XXXXuction on XXXXXXXX. I was told that after the auction is complete I was going to be informed if I am owed any money or entitled to any refund per law. Its almost XXXX weeks and nothing, yet they are still expecting me to pay {$1000.00} XXXX  month and still continues to harass me regarding miss payments even though I have expressed to them that I can not afford that type of payment anymore. I did reach out to customer service a XXXX ago, a representative expressed to me, saying stuff like ( " these things take time to resolve '' ). I did ask the representative to send me any documentation regarding the sale of the auction in writing and as of XXXX XXXXXXXX, I haven't received nothing from them. 

I really want to get this resolved as soon as possible, Westlake Financial can be reached at XXXX ) XXXX. Your help is greatly appreciated.

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 2023-07-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was a victim of identity theft from XX/XX/2022 to XX/XX/2022. During that time a lot of accounts were open with my credentials money was stolen from me from everywhere including retirement money bank accounts, XXXX XXXX, XXXX. Venmo, PayPal, etc.. 
PayPal is giving me a really hard time in returning what is mine I have provided two police reports, proof of my incarceration about 10 letters from other institution, showing they have returned my money and found me not guilty of anything, and theyre saying that my phone was used in authorized to do this fraudulent things, which not true when I turned myself to the courses I left my phone in my safe in my room at home.I was in XXXX I DID NOT authorize anything.. 
How can this be when I have provided proof of XXXX, police reports and letters, stating that none of this was my fault from other creditors, they are saying I have exhausted all their time and they wont reopen my case and this is unacceptable. 
I first opened this claim on XX/XX/2022, its been going on now for almost 7 months because of their unprofessional way of doing business, I have been on the phone more than 14 times spoken to so many supervisors that promise me it will be handle and to wait for an email and it doesnt My claim is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a collection on my report that isnt mine. The collection agency is XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX Ive never done business with this company before and Id like it removed off my 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 2023-07-14 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: MI

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay. I kindly request that you thoroughly investigate this matter, acknowledge the error, and promptly rectify it by eliminating the unauthorized 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 explanation
Consumer complaint received 2023-07-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very disappointed with these credit bureaus, XXXX, Equifax, and XXXX. I sent them dispute letters for several times concerning the inaccurate information on my credit report. However, XXXX, Equifax, and XXXX have ignored my previous request and failed to maintain reasonable procedures in their procedures to assure the maximum possible accuracy in the credit reports they publish. I never received a response nor investigated the inaccuracy on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit bureaus fail to delete a bankruptcy account listed on my credit report stating that the public record was verified by a third party, XXXX XXXX. I called XXXX XXXX to check why they are still verifying an account that they delete from their record because they cant verified their accuracy more than a year ago. They state that it was deleted from their verified files but still remain in the unverified files. I requested they delete it from the unverified file and send me a new corrected copy of my record. They delete the file on XX/XX/2023 and send me a copy of my file corrected, but still show in my record with your Bureau. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning the accounts that you are reporting in my credit report.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. the [ FCRA 623 ( b ) ( 1 ) ] ( FCRA 15 U.S.C. 1681i, al inaccurate, incomplete and unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on your file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
If you dont investigate and respond.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit bureaus fail to delete a bankruptcy account listed on my credit report stating that the public record was verified by a third party, XXXX XXXX. I called XXXX XXXX to check why they are still verifying an account that they delete from their record because they cant verified their accuracy more than a year ago. They state that it was deleted from their verified files but still remain in the unverified files. I requested they delete it from the unverified file and send me a new corrected copy of my record. They delete the file on XX/XX/2023 and send me a copy of my file corrected, but still show in my record with your Bureau.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning the accounts that you are reporting in my credit report.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. the [ FCRA 623 ( b ) ( 1 ) ] ( FCRA 15 U.S.C. 1681i, al inaccurate, incomplete and unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on your file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
If you dont investigate and respond.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit bureaus fail to delete a bankruptcy account listed on my credit report stating that the public record was verified by a third party, XXXX XXXX. I called XXXX XXXX to check why they are still verifying an account that they delete from their record because they cant verified their accuracy more than a year ago. They state that it was deleted from their verified files but still remain in the unverified files. I requested they delete it from the unverified file and send me a new corrected copy of my record. They delete the file on XX/XX/2023 and send me a copy of my file corrected, but still show in my record with your Bureau.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning the accounts that you are reporting in my credit report.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. the [ FCRA 623 ( b ) ( 1 ) ] ( FCRA 15 U.S.C. 1681i, al inaccurate, incomplete and unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on your file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
If you dont investigate and respond.

Company response to consumer: Closed with explanation