vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 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:
CFPB Writeup : 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the close date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Resurgent Capital Services L.P. is collecting on a debt that they cant validate. As per letter they sent. They are in violation of 15 USC 1692 ( 2 ), 15 USC 1692 ( 5 ), 15 USC 1692e ( 2 ), 15 USC 1692e ( 10 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
XXXX XXXX, account # XXXX opened XX/XX/2018 and a balance of {$2500.00} on XXXX. 
This account is incorrectly reporting that I have 10 late payments. On my experian report there are 0 late payments being reported. I do not remember ever being late on this account. Please provide statements and records of all payments made and missed since I opened the account. This account is incorrectly being reported as a charge off account with a balance due. 
Please provide proof of the charge off and update the balance {$0.00} or delete negative payment status on this 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 explanation
Consumer complaint received 2023-07-29 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: PA

Complaint narrative:
Account has been reporting inaccurately for years. I disputed with the Credit Reporting agencies and the XXXX and XXXX continue to violate my rights. 
Per the dispute results that I received on XX/XX/XXXX. XXXX stated that the company certified the account to be accurate. 
Balance showing of {$2000.00}, but the account is reporting as charged off. Inaccurate reporting for 49 months which is a violation of the FCRA. Balance should be XXXX On XX/XX/XXXX XXXX reported my balance as over the limit? The account should not report a balance as has been charged off- proof attached Payment history is incomplete and inaccurate. 6 months of payment history missing from XXXX of XXXX XXXX of XXXX. Payment history makes up 35 % of my credit score Account showing ND for 1 month XXXX has been inaccurately reporting, in addition, I asked for the 1099 as the account was charged off due to my financial hardship XXXX refuses to comply. 
I filed a complaint with OCC and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: PA

Complaint narrative:
Account has been reporting inaccurately for years. I disputed with the Credit Reporting agencies and the XXXX and XXXX continue to violate my rights. 
Per the dispute results that I received on XX/XX/XXXX. Experian stated that the company certified the account to be accurate. 
Balance showing of {$2000.00}, but the account is reporting as charged off. Inaccurate reporting for 49 months which is a violation of the FCRA. Balance should be XXXX On XX/XX/XXXX XXXX reported my balance as over the limit? The account should not report a balance as has been charged off- proof attached Payment history is incomplete and inaccurate. 6 months of payment history missing from XXXX of XXXX XXXX of 2016. Payment history makes up 35 % of my credit score Account showing ND for 1 month XXXX has been inaccurately reporting, in addition, I asked for the 1099 as the account was charged off due to my financial hardship XXXX refuses to comply. 
I filed a complaint with OCC and 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 2023-07-29 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: GA

Complaint narrative:
After ordering a copy of my credit report I have notice that its inaccurate information on my credit report. And I have/had know knowledge of these accounts. 

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. 

Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account # : XXXX These accounts reporting is in violation of 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 an 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 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 2023-07-29 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: FL

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. 

these accounts : XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX. 
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 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 2023-07-29 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:
Dear Transunion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 non-monetary relief
Consumer complaint received 2023-07-29 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: FL

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: FL

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. 

these accounts : XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX. 

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 explanation
Consumer complaint received 2023-07-29 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: TX

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX, XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX, XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX  - XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX  XXXX ( Contract hire ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank ) XX/XX/2022 I did not give these companies authorization to pull My credit report these are fraudulent inquiries an they shouldn't 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 non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Hello, my name is XXXX XXXX. 

My issue is that i recive a email about my account has been permanent limited ( You can no longer do business with PayPal ( XXXX ID - XXXX ) XXXX, what is paypal object to do this when my account has never been asociate with any problem. 

i already had this limitation before and was already resolve ( Id. de referencia : XXXX ), i submit all the information without any problem. 

Why you place a new limitation again with excuse for hold my money, i dont think there is any risk with nothing on my account. 

i always use paypal in according to the policy. 
i guess paypal is for send and received money so, what is the reason of my limitation??? 

If there is a mistake will you please help me to fix this problem?? 

i will apreciate if you can review my account and i m sure that is nothing wrong or with any risk asociate. 

i hope you guys help me please. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: TX

Complaint narrative:
XXXX XX/XX/2023 SYNCB/PAYPAL XX/XX/2023 XXXX CARD SERVICES XX/XX/2023

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 2023-07-30 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: IL

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.

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 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 2023-07-30 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: IL

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.

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 2023-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX never sent the requested documents validating the debt ( original contract with legible signatures ). Account closed with inaccurate information. XXXX 's terms and conditions for this account doesn't meet XXXX XXXX compliance requirements for credit reporting. XXXX failed to give proper notice of right to dispute. Notice to agent is notice to principal. Company is negatively harming my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
There is an account related to my SSN and my name. It was set up in XX/XX/XXXX and ordered some cable services. The user stopped paying for the cable since XX/XX/XXXX and never returned the cable. It charges me XXXX dollars now for the cable and delay fee. 

I leave the US country in XX/XX/XXXX and back in XX/XX/XXXX. I never ordered cable and have yet to learn what happened to that account.

Company response to consumer: Closed with explanation