vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 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:
I am writing to file a complaint against Experian regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report, but to this date they have not responded. 

Because of the incorrectly reported data, I require that your bureau verifies the XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) account. I am unsure of the accuracy of the balance of {$1700.00} that you report for this account because I do not recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed so that it won't have any further negative impact on my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 
Furthermore, your agency is reporting inaccurate information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do recall my original creditor - XXXX XXXX XXXXXXXX XXXX  and it is obviously a different company than the one you are indicating. Moreover, I do not have any contract with this company and have never been contacted by them. Your agency provided false information about the Balance of {$290.00}, which is higher than I believe it to be. Due to these inaccuracies, I am disputing this entire account and I ask for a verification of Date Opened and Date of First Delinquency.

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 2023-04-23 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I financed my car with BMW Financial Services. I always paid on time. On XX/XX/23 I sold the car to XXXX XXXX XXXX in XXXX and they paid off the loan on the car. I have received confirmation from BMW that the loan was paid in full. However, they refuse to update my credit report to show that the loan is paid in full and that there is a XXXX balance. This is seriously harming my credit because it shows a very large balance due when it has been paid off and they even sent me confirmation that it is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX  ) 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit 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 explanation
Consumer complaint received 2023-04-23 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: MA

Complaint narrative:
On XX/XX/XXXX, I contacted Transunion about the following incorrect information on my credit report. To date, I have not received a response. 

I dispute the accuracy of the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ) account information being reported. Specifically, I do not agree with the reported balance of {$5100.00}, as I recall the amount being lower. Furthermore, I request that any information regarding past due amounts be deleted as this account is closed and charged-off. 
Given the impact that changes to my credit report can have on my credit score, I request that this account be marked as disputed to prevent any further negative impact on my credit score.

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 2023-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I did a letter on XXXX and sent it on XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TransUnion tracking # XXXX requesting the deletion of the account based on inaccurate information. The payment history is completely inaccurate and the bank deleted or wrongfully reported information to prevent deletion and prolong the account on my credit report. I missed a few payments in XXXX and did a payment of {$640.00} on XXXX to cover part of the amount due at the time. The bank did not report any payment for XXXX or XXXX to prolong this account on my credit report and prevent deletion. Now, I provide evidence of payments that were not reported.

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 2023-04-23 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I did a letter on XXXX and sent it on XXXX to XXXX XXXX XXXX XXXX, Experian tracking # XXXX, XXXX XXXX XXXX XXXXXXXX requesting the deletion of the account based on inaccurate information. The payment history is completely inaccurate and the bank deleted or wrongfully reported information to prevent deletion and prolong the account on my credit report. I missed a few payments in XXXX and did a payment of {$640.00} on XXXX to cover part of the amount due at the time. The bank did not report any payment for XXXX or XXXX to prolong this account on my credit report and prevent deletion. Now, I provide evidence of payments that were not reported.

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 2023-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
XXXX toll in Colorado, is trying to charge two different amounts for a debt, They send a bill to me for XXXX, and a separate bill to my brother for XXXX, for tolls, for the same car, when he calls they say he owes the XXXX, when I call they say I owe XXXX, same car, same plate number, mine you we were both on the registration, I have proof of the separate bills upon request,,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Report ran from XXXX XXXX XXXX experian has loan incorrect on print out others have it correct. Tried to call and fix they said information is correct then why are print outs wrong? He didn't know asked for supervisor wait nearly 10mins said do call back. No call back. My reports should reflect my correct information. They were rude and not helpful and messing up my world because the facts are not correct.

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 2023-04-23 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:
On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date, they have not responded. 

Your agency is reporting inaccurate information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I recall my original creditor was XXXX XXXX XXXX XXXX, which is obviously a different company than the one indicated by your agency. Additionally, I have never been contacted by the company you mention and have no contract with them. Your agency provided false information about the balance of {$290.00}, which is higher than I believe it to be. Due to these inaccuracies, I am disputing this entire account and requesting verification of the Date Opened and Date of First Delinquency. 
The information presented for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also inaccurate. The original creditor on this account is a distinct company, XXXX XXXX, than the one you indicate. You provide erroneous information about the balance of {$150.00}. The reported balance is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
The information presented on the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  needs to be investigated. I recognize the original creditor as XXXX XXXX XXXX XXXX but I have not been contacted by XXXX XXXX. The balance amount of {$130.00} is inflated and inaccurate. I do not recognize this amount and believe I owe a lower balance. Due to these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 
The information presented for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is also inaccurate. The original creditor for this account is XXXX XXXX but I do not recognize the company stated on this account, XXXX XXXX XXXX XXXX as I do not have any contract with them. The reported balance of {$400.00} is not accurate, as I recall the balance being lower. I dispute the entire account due to this inaccurate information and request verification of the Date Opened and Date of First Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
i dont have dates because its been going on for years. portfolio recovery specialists and other companies i dont even know of constantly harass me and make threats to me saying i could suffer legal consequences if i dont pay or make arrangements and that my credit will be affected. they leave voicemails and send letters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: MN

Complaint narrative:
There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc 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 2023-04-23 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-23 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-04-23 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: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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:
THEY KEEP GIVEN OUT MY INFORMATION TO THESE COMPANIES AND PUT THEM ON MY CREDIT REPORT WITHOUT CONTACTING ME FIRST WHICH IS AGANIST THE LAW HAVE NO CONTRACT WITH THEM PLEASE PRODUCE A CONTRACT WITH MY SIGNATURE ON IT OR TAKE THIS OFF AGAIN AND DO NOT PUT IT BACK ON THERE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Hi, Jefferson Capital Systems , LLC- has violated my rights. They have place a debt of {$350.00} collection notice on my credit report which is hurting my consumer credit report. I have requested from them via phone and certified mail to send me the Original Purchase Agreement for this Alleged Debt. The original purchase agreement which should have all the terms and conditions that are in this debt. They never provide the requested information. They never responded. Jefferson Capital Systems , LLC can not provide proof that I owe this debt of {$350.00} and that they are now owner of this debt. They have harassed me over and over they have called me repetitively via phone calls from morning until night. This is very stressful and hurt me mentally, it hindering me and my family financially because its on my consumer credit report. In accordance with the Fair Credit Reporting act Jefferson Capital Systems , LLC violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Jefferson Capital Systems , LLC as 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 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. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services XXXX XXXX XXXX XXXX, Ga Dear, Equifax Information Services Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: MA

Complaint narrative:
On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date they have not responded. 

I am disputing the accuracy of the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ) account that you are reporting on my credit report. The reported balance of {$5100.00} is not accurate, and I remember the amount to be lower. I request that you delete the information regarding the Past Due amount, which should not be reported because this account is closed and charged-off. As my credit score is impacted by the information on my credit report, I request that you mark this account as disputed so that it will not negatively impact my credit score.

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 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio recovery bought and has attempted to collect a debt after the debt was more than three years old. They wont send documentation that the debt is valid. It was two accounts with XXXX XXXX

Company response to consumer: Closed with explanation