vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I believe the account is invalid. XXXX XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I filed a complaint on XX/XX/2023 about NFCU, and they were given extended time to respond ; when I got a notice about their response this weekend, the file was already closed. I had to get information based on their response, and since the file was closed, I could not submit the attached items. 

NFCU reported to the credit bureaus that I agreed with them and applied a payment of XXXX to make it appear that I paid them money. Doing this creates a problem and extends the bad debt when paid in full by third-party insurance. Their fraud department opened another investigation and shared a letter with an investigative team, and then the recovery team stated the accounts were too old to capture information. Therefore, the bank falsified information and should be penalized. The fraud team found the stolen credit card document and information to the insurance company, but the information could not be shared as the account details for internal banking. needed extraction before sharing, which could take up to XXXX weeks due to the age of the accounts. That, information was sent electronically to bureaus in XXXX, stating the accounts were resolved and they should be deleted. Then, after I started this investigation NFCU created a payment plan that was not discussed with me and reported it to the bureaus. Now, we have XXXX accounts that were once deleted back on my report and letters to an investigation agency that say the accounts are resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX reporting late payments on my account that are inaccurate on several deff months account was never paid late and it is reporting multiple lates they updated it to show no status as current or no payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
company emailed me for a year and a half after I told them not to in XXXX, constant emails, back to back. The amounts are incorrect and they are reporting unverified debt in different amounts. Company that is reporting is LVNV funding but Resurgent is emailing me back to back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I am writing to bring to your attention a matter of great concern regarding unjust collections reported under my name to all three credit reporting agencies. This situation has adversely affected my credit standing, and I believe I have been unfairly reported. 

The debt in question is related to medical attention provided to my son, XXXX XXXX XXXX, on XX/XX/XXXX. As evidenced by the attached letter issued by XXXX XXXX under account number XXXX, a payment request of {$980.00} was made, which was specifically intended for payment assistance and was duly approved. This fact should have prevented the debt from being forwarded to a collections agency, as clearly indicated by the accompanying documentation. 

What is most distressing is that the collection reporting began impacting my credit history in XX/XX/XXXX, a staggering 16 months after the medical attention was administered. This temporal discrepancy is highly irregular and raises serious questions about the integrity of the process followed by the collections agency, MBA Law. 

As of the date of this letter, I have not received any additional documentation from MBA Law supporting the inclusion of this debt on my credit history. I possess no signed contract, payment agreement, or any other document that validly demonstrates an outstanding debt for medical services. 

I kindly request your immediate intervention to investigate this matter and advocate for a fair and accurate review of my credit situation. Additionally, I urge you to contact MBA Law and request the necessary documentation to substantiate the validity of the debt in question. 

Attached to this letter, you will find copies of the payment assistance approval letter issued by XXXX XXXX and any other relevant documents pertaining to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a letter with my home address included stating a reason why a leasing application was refused from the Credit Company. Someone is using my home address for credit apply. I checked the company soliciting the credit request that was denied and was created last year which I have lived since the previous before that. I believe its a company engaging in Loan Bank Fraud.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 XXXX XXXX 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 USC 1681 Permissible Purpose Their should only be one Address on my report which is XXXX XXXX XXXX, XXXX Tx XXXX. 

This is an Non-Mailable address that needs to be removed : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Tx XXXX. 

The only employment should be : XXXX XXXX XXXX XXXX, so delete 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 USC 1681 Permissible Purpose Their should only be one Address on my report which is XXXX XXXX XXXX, XXXX Tx XXXX. 

This is an Non-Mailable address that needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX. 

The only employment should be : XXXX XXXX XXXX XXXX, so delete XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting 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:
I looked at my report after the last claim was filed and completed and Experian has yet to remove the accounts that are reporting inaccurate information to my credit report. I've looked at my updated report today XXXX XXXX and noticed things are still inaccurate and incomplete. I sent letters to Experian and asked them to investigate the completeness and accuracy they have not fixed the issue. THEY ARE BREAKING THE LAW. 

According to 15 USC 1681e ( b ) it states, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 usc 1681 ( 5 ) it states Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and unlawful can you fix this and remove accounts

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 2024-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc.
State: LA

Complaint narrative:
Conns Appliance was contacted multiple times from XX/XX/XXXX to XX/XX/XXXX in regards to settling and/making payment arrangements to the account. The debt was sold to a third party company XXXX XXXX XXXX XXXX, who have previously received payments towards the balance. As of XX/XX/XXXX, XXXX has closed this account due to notification of Active Duty status and is no longer taking action on the account. Conns was contacted several times via phone and in-store, but continues to state they do not have the debt and that the debt still stands with the third-party recovery firm listed, even upon receiving notice of the contrary from the third-party itself. After stating multiple times that the recovery department is unable to send a bill, Conns has agreed to communicate via emails, callbacks, and letters with an update as to where this can be resolved, but they have yet to follow through. After several attempts to resolve the matter, no communication has been made with further information. Conns has failed to provide statements of debt validation, billing statements, dates of the debt, debt amount, to whom the debt is owed, verification that they are authorized to collect the debt, and also means to resolve this debt, while continuing to report that debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XX/XX/XXXX my car was taken from my house. The driver hooked my car up and while pulling the car. The car collided with my garage. He stopped briefly once realizing the connection and then continued to drag the car from where it was parked. I contacted Wells Fargo and they were unable to answer my questions XXXX. What company repossessed my vehicle. I questioned them if I needed to file a police report because of the manner it was taken from my home and their unwillingness to offer the information I was requesting. 
XXXX. Where is my property. Unable to provide the location of my property I contacted them several times and was unsuccessful at receiving the information. 

The week before XXXX. I called Wells Fargo and requested the amount required to receive my car back and I was informed that if I wanted my car back I had to call Wells Fargo and pay {$20000.00} by XX/XX/XXXX and that my Auto Loan was " charged off '' I was again confused because I didn't understand how they sold my debt and charged off my auto loan and I was still required to pay Wells Fargo and this company they would not give me the companies information they sold my debt to. 

I called Wells Fargo on XX/XX/XXXX begging for my car back and to pay what i owed because i needed my car. They did give me incorrect information of where my car was and where my property was. I was provided inaccurate numbers of the locations. I called the numbers they provided me with and had not been able to reach either locations. 

Wells fargo extended my time frame to XX/XX/XXXX to pay XXXX told them i could pay what is owed and i dont understand how i am required to pay the XXXX when it was charged off to receive my car back because I am now going to still owe the debt collection agency they sold it to. I was instructed by wells fargo to try to refinance the auto loan of {$20000.00} to receive my car back. 


XX/XX/XXXX i still haven't received any information pertaining to the correct location of both my car or the property

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 2024-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Fraudulent Lowes business credit account opened on or about XX/XX/. I never applied for this account this is not me. My credit/identity has been compromised. Charged {$8200.00} to the said account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting 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: CT

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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