vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 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: GA

Complaint narrative:
Back in XXXX, XXXX  I started to access my credit files to see which accounts were showing, and noticed that XXXX XXXX XXXX XXXX reported I opened a XXXX card account. Immediately I reported to the Credit bureaus that the account was not mine. That it was fraud and I wanted the card account to be removed from my credit files. For {$27.00} that was showing account balance my credit score went down XXXX points!!!!!!! In the meantime, i also contacted XXXX XXXX XXXX XXXX by phone to dispute the validity of that credit card account. They started to investigate and finally sent me a letter dated XX/XX/2022 that they disagreed with my claim that the account was opened fraudulently. I offered to pay the balance due just to get rid of the account I did not open. Still they insist the account is mine, the card was used in XXXX, XXXX but I live in XXXX, XXXX. I am asking your office to intervene in this matter and XXXX XXXX XXXX XXXX XXXX to accept my claim and erase this account from my credit files as if it never existed. My address with them has always been in XXXX. By no means I used the car in XXXX, XXXX. They ruined my credit report without considering the facts I presented. I did not apply for the XXXX credit card.

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 2022-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc.
State: RI

Complaint narrative:
Received a Text XX/XX/XXXX at XXXXXXXX XXXX from XXXX XXXX XXXX XXXX, regarding a matter that their office is handling. I click the link and add the agency ID XXXX. It then brings me to an account that states I owe an alleged debt for {$10000.00}. The Original Creditor was Prosper Funding LLC., assignee of XXXX, who previously charged off the alleged debt. I have no contract with XXXX XXXX XXXX XXXX XXXX I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX XXXX XXXX XXXX and Prosper Funding LLC., assignee of XXXX, about me is in direct violation of my privacy per the Privacy Act of 1974

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 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX unexpectedly transferred my credit card from XXXX XXXX  to Baryclds Bank this Summer. I was initially locked out of the account because my XXXX  account was originally made with a college email XXXX ), which I no longer have access to, and I was, therefore, unable to get into the new portal. Moreover, my automatic payments were not transferred. As such, the new bank charged me two {$30.00} late fees, despite trying many times to access the account to make the payment on the phone and in writing with an extremely delayed response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Hello I contacted Equifax and XXXX and they refuse to give me my credit reports I have been trying to contact them for 2 years and they refuse to give me the information stating that I have not answered the security courses correctly so they informed me to mail them a copy of my picture ID driver 's license and proof of residency and I did that on both the cages which the last time was 2 weeks ago they also refuse to accept the dispute letters that I gave them concerning XXXX XXXX agency which raise the price of the debt 3 XXXX bills which I turned in for XXXX XXXX fraud and now I received a letter for XXXXXXXX XXXX XXXX stating that I owe them {$2000.00} from XXXX which they had closed it but since student debt is being paid off now they come out and said as if XXXX the XXXX I owe them {$2000.00} so they turned me over to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of collection and they said if I don't pay {$2000.00} in the next 7 days they're going to take my home freeze my bank account and put a lien on my house and I will be homeless because I don't have a job and I don't have a bank account and I will upload all the information that they mailed to me thank you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: GA

Complaint narrative:
I got an alert for a missed payment from XXXX XXXX regarding XXXX XXXX account. However I have no knowledge of this account. I called XXXX XXXX credit card department on XX/XX/2022 and spoke to a representative her name is XXXX her ID number is XXXX. She said I dont have an account and or no business established with Them. Please I need this matter resolved and taken off my credit report because it reflects a negative mark.

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 2022-11-30 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: Auto Trakk, LLC
State: PA

Complaint narrative:
I Have sent certifed mail letters out to cease and desist all communications on my consumer profile. AUTOTRAKK LLC have failed to STOP reporting after me giving them notice of CEASE AND DESIST ( XXXX ) Certified Mail Number : XXXX XXXX XXXX XXXX XXXX To : ATTENTION : XXXX. XXXX  AUTOTRAKK LLC XXXX XXXX XXXX, XXXX, PA XXXX Respondent XXXX XXXX From : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX non-domestic Libellant Month XX/XX/2022 CEASE AND DESIST NOTICE Dear XXXX / XXXX XXXX XXXX. : XXXX XXXX & Whom it may concern I have been dealing with these XXXX bogus disputes for months, am wasting my XXXX money and I do not like it. If my credit profile is not updated properly I will file a XXXX lawsuit on XXXX. I am tired of this XXXX  with your company. Your company is causing me harm, grief, XXXX, and is a defamation of character Throughout the time frame of XXXX to the present day, your company has repeatedly contacted me, claiming that I owe and have posted a XXXX from AUTOTRAKK LLC, according to 15usc1681b. I Did not give AUTOTRAKK LLC the written instruction to post any information on-to my credit report DELETE THEM ALL FROM MY CONSUMER PROFILE IMMEDIATELY. I have disputed it and allowed you appropriate time to show evidence of this debt to be verified properly. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1681b and 18 USC 1028A for possessing my means of identification with my consent as I never did any contractional business with your company. 
I demand that you cease and desist of this activity as soon as possible within ten ( 10 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting, and ceasing any and all communications to us by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. 
Kindly govern yourself accordingly. 
Respectfully Without Prejudice, XXXX XXXX XXXX XXXX XXXX XXXX, Attorney in Fact

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: NV

Complaint narrative:
As stated before, ive disputed inquiries on my consumer report that was not authorized by me or from me which took awhile to be recognized as fraudulent. These are the remaining inquires on my Experian profile that ill need deleted as requested. Inquiry : XXXX XXXX, Date of Inquiry : XX/XX/2021 Inquiry : XXXXXXXX XXXX, Date of inquiry : XX/XX/2021. Ive fought hard to have these removed in still had no suscess in the past. I ask that Experian to exhaust all remedies and please have these removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My XXXX credit report contains a debt from Pro Collect in the amount of {$5800.00}. I have long disputed this account for containing incorrect information. Now they have put the debt on my credit report XXXX with XXXX different opening dates, which is not correct for either. I have attempted to dispute this several times only for my disputes to be completely ignored. I do not believe anyone is actually looking into this to see if it needs to be corrected because they would only have to read my notes and verify the information to see that this account is on my report XXXX since about XXXX of this year. I have called and asked for them to look further to no avail. I am making this complaint in an attempt to get some assistance with this issue, it is not okay for a credit company to further lower my score and continue to harass me by putting erroneous information on 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 2022-11-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
During this year, 2022, I spoke with the company on several different occasions when they called me. They continue to report false information on my credit report. They have a collection account listed as OPEN on my report, for the amount of {$220.00} to XXXX XXXX, which is not true. I have requested information with my signature stating that the account is mine, and it has not been sent. I don't recognize the company listed on my credit report they say I owe. I tried to look up the collection company on XXXX XXXX XXXX and they are not listed, which means they aren't licensed to do business in Texas. I have requested, verbally, for the company to stop contacting me and posting false information on my credit report. They stopped calling, but negative information is still present on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United PanAm Financial Corp.
State: NY

Complaint narrative:
Upon making a settlement offer I advised the agent that I wanted the info removed from my credit report. The paperwork I signed stated that it would release me from any responsibility related to the account, which I assumed was removing it from my credit as I discussed with the agent. As I review my credit file it is still on my report I called the company XX/XX/22 to rectify this issue which then became a he said she said issue. Due to the fact that I dont know their company jargon and the letter was written with specific wording it was not a removal by the companies definition. I advised to have the call pulled since they state all calls are monitored and recorded. They agreed, I called back a week later XX/XX/22 to which they advised me they could not obtain the call and due to that they were not going to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have had an Elan XXXX for XXXX or XXXX years. The card is serviced by XXXX XXXX based in XXXX, ND. I received a letter dated XXXX XXXX, 2022 from XXXX XXXX informing me that the interest rates I was to be charged were going to increase ( letter attached ). XXXX reasons were given for the increase, supposedly based on my XXXX credit report, dated XX/XX/2022. 
I called XXXX XXXX on XXXX XXXX to ask for an explanation. The customer service person I spoke with was not able to give me details. I then wrote XXXX XXXX responding to/questioning each of the XXXX reasons given for the rate increase ( letter attached ). 
By coincidence, I had pulled my credit report from XXXX in XXXX, 2022. None of the reasons for the rate increase given by XXXX XXXX were evident on the credit report I obtained. In addition, the customer service person I spoke with on the XXXX told me the interest rates shown on my account were higher than the rates shown on my monthly account statements. 
I received a response to my letter from XXXX XXXX dated XXXX XXXX ( attached ). The response did not address the issues raised in my letter nor was there a response to my question as to the difference in rates between my statements and what I was actually being charged. Their response was basically " we aren't going to reconsider the rate hike and you can close your account ''. 
I did not accuse XXXX XXXX of fraud in my letter. To charge a long-time customer a higher interest rate that what was disclosed and to use apparently specious reasons for a further rate increase can be viewed as fraud adjacent.

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 2022-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Ok Finance Group INC
State: GA

Complaint narrative:
Hey im XXXX XXXX, I purchased a car for XXXX down. had the car for just over XXXX months. I then painted my vechile and with out noticed the carlot came to pick it up. at first they said I was behind and needed to pay XXXX to have the car return to me and my bill is only XXXX a month. I was willing to pay that but then we started the process and then they said I needed to pay the car in full ( XXXX ) before they can return the car. the car was not emission tested and wrecked and I had no knowledge of this. if you are not busy you can email me or call me at XXXX for more information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: TX

Complaint narrative:
On XX/XX/2022, I received Dispute Results from Experian showing that a XXXX XXXX XXXX account was deleted from my credit profile. 24 hours later on XX/XX/2022, I noticed that the account had re-appeared on my credit report without any explanation from the credit bureau as to if they had received any proof of documentation from the creditor that would legally be a reason to add this account back onto my report. 

I placed a fraud alert on my credit report, and I notified Experian that the account was not mine. I wrote Experian and mailed them a copy of the Dispute Report they sent me where it shows the account was deleted and I asked them to provide proof of account verification to me. The report number they removed the account can be provided at request of CFPB. 

I also called the Experian Dispute line today XX/XX/2022 and I informed the representative XXXX whom took my call, that this account doesn't belong to me, and that I have the report number that shows where Experian claims to have done an investigation and had removed the account, and that it re-appeared a mere 24 hours later with no explanation. 

I also informed the representative that I wanted to file another dispute. His response was that I could not dispute the account with Experian, I have to talk to the creditor, I told him that I have made an attempt to ask both Experian and the creditor to provide me all evidence both parties have been exchanging during the disputes I filed and I have not received anything. I have been disputing this account since XXXX XXXX. 

My rights are being violated and my requests for proof of account verification are being ignored, even after informing the bureau that the account doesn't belong to me and I placed a fraud alert on my profile, and that did not make a difference in inclining Experian to respond to my requests, again I alerted them about this account in XX/XX/2022 and have been trying to dispute it to the present day.

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 2022-11-30 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: VA

Complaint narrative:
In accordance with the Fair Credir 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instruction.

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 7 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 a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief