vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  # XXXX, XXXX. XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Portfolio Recovery Associates Account # XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 




XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, Portfolio RC Account # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 explanation
Consumer complaint received 2023-05-23 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: MS

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 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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. 
( 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. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-05-23 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: MS

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 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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. 
( 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. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB is saying they have processed my previous complaints before. With my complaint last XX/XX/2023 and my complaint now. I am hoping that ALL fraudulent items on my credit report will be REMOVED. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GFS II, LLC
State: IN

Complaint narrative:
Creditor exclaims that I had an account with them which is not true. my identity has remained the same at a total different address reporting from them as well. However, there reporting inaccuarte information that is really damaging my credit within one credit bureau in which there are no ties to any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A few months ago I notice that I was a victim of identity theft. I reached out directly to the creditors and reached out directly to the credit bureaus. Neither has been helpful in stressful situations. My identity was taken and I am suffering from the aftermath of it. Police reports have been provided to both credit bureaus and creditors to show that this matter is serious. 

The following accounts on my credit reports were due to someone taking my identity. An FTC complaint was filed and I am still unable to get any resolution : XXXX  XXXX {$660.00} charge off account XXXX  XXXX {$870.00} charge off account XXXX XXXX XXXX XXXX {$10000.00} charge off account XXXX XXXX XXXX XXXX {$3700.00} loan account XXXX {$0.00} charge off the account and sold to another XXXX XXXX {$0.00} charge off and transferred

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 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I received a letter from my ex husband on XX/XX/XXXX, but the letter was dated XX/XX/XXXX from a company name Jefferson Capital Ststems LLC stating they represented another company by the name of XXXX XXXX Jefferson Capital Systems LLC is attempting to collect {$590.00} for XXXX XXXX . I wrote this company Jefferson Capital Systems LLC in XXXX XXXX, MN on XX/XX/XXXX disputing the alleged debt with XXXX In the letter Jefferson Capital Systems LLC states that I had until XX/XX/XXXX to dispute the alleged debt but on XX/XX/XXXX and XX/XX/XXXX I received a notification from XXXX that a new account was added to my XXXX and XXXX credit report from Jefferson Capital Systems LLC. Jefferson Capital Systems LLC has practice unethical unfair debt practices and misrepresented what their XX/XX/XXXX letter stated that I had until XX/XX/XXXX to contact their office in writing which I did but this company jumped the XXXX and still reported this alleged debt to the credit reporting agencies prior to the deadline they set. I first heard of XXXX XXXX back in XXXX when I saw some charges on my account and I disputed them with my bank and the funds were reversed. I stated in XXXX and XXXX to another company called XXXX XXXX and to the actual company XXXX this is not my debt and I do not owe this debt. In XXXX and XXXX XXXX actually placed inaccurate information to my credit report but back then the amount was {$1200.00} and it was disputed then and retracted both times. But now again in XXXX another company is alleging again that I owe XXXX XXXX but for a lesser amount. For years, I have been battling with random hacking of my email accounts, lost or stolen credit card & debit cards. I closed my bank account back then because I felt they could not keep my money safe and it was too much happening. I am now divorced and longer go by XXXX as I have indicated in my letter to Jefferson Capital Systems LLC. Again, I am disputing this alleged debt, this is not my debt and I do not owe this debt. I am requesting that Jefferson Capital Systems LLC remove any negative information from my credit report immediately because clearly Jefferson Capital Systems LLC is continuing to practice unfair debt collection as they did in 2008 FTC Matter/File Number 062-3212 ( Federal Trade Commission v. Compu Credit Corporation and Jefferson Capital Systems , LLC ) . I have included all my documentation of all the hacking and fraud I have faced since XXXX. Even if I owed this debt the statue of limitations has ran in Texas and California where the original debtor is located per the Consumer Financial Protection Bureau. Also, as my right, I have no desire to work with Jefferson Capital Systems LLC and I dispute these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Foursight Holding LLC
State: TX

Complaint narrative:
This debt was paid in full as agreed. Then they reported this as XXXX balance last investigation and CRA reporting cycle. Now they are saying that I owe them more than XXXX after just saying there was a XXXX balance just last month! I am so tired of this. They are re-aging the debt and changing the balances. The attached document says they are charging me XXXX for repossession and transportation costs! None of that has anything to do with me. This bank is really wild! They are not even reporting it accurately across the CRAs! This is outrageous behavior and needs to be stopped. They are not entitled to any money from me. Whatever business decisions they made they are responsible for the outcome. I am so tired of these irresponsible and thuggish banks looking for consumer funded taxpayer handouts! Please delete this from my credit report. Federal Law requires it! You all can clearly see the evidence of their erratic attempts to get money from me. They think that I can be bullied because I am XXXX! However I am well educated in America and I am a XXXX veteran so I will not back down when its clear that I am being wronged! They can not produce any signed agreement between us on me paying them some more money. The car was sold. I do not owe them anything. This is a very unethical company. I am literally XXXXXXXX XXXX XXXXXXXX and unable to work as a result of my service connected XXXX. I will begin to make this a news story soon leveraging my connections through the DAV. I am so tired of this bank trying to bully me. How can anyone standby and keep allowing this to happen? Please just delete this record and stop this madness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: GA

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 Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX 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.

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 2023-05-23 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: GA

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 Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX 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.

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 2023-05-23 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: WA

Complaint narrative:
Sir/Madam, I am writing to bring to your attention the ongoing issues I have been facing as a consumer with Experian, one of the major credit reporting agencies. I have disputed four accounts with Experian due to inaccurate information that they continue to report, despite being aware of its falseness. 

The account disputes appear on my credit file as XXXX XXXX  Bankruptcy I have never had a XXXX  Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy-ACCT XXXX Through their actions, Experian has not only violated the provisions of the 15 US Code 1681A, which guarantees the right to privacy, but they have also infringed upon the regulations set forth in the 15 US Code 1681B2, as they shared my personal information with a third party without my explicit written or verbal consent. This amounts to fraudulent behavior on their part. 

Experian claims to have conducted an investigation into my dispute and asserts that they verified the public record with the court clerk. However, I would like to bring to your attention that this particular public record has been deleted from my XXXX file. I have uploaded this information to Experian as evidence, yet they refuse to delete these disputed accounts from my credit file. 

Their refusal to act on verified and accurate information is not only disheartening but also detrimental to my credit score. As a direct consequence, I have suffered from higher interest rates and other financial difficulties. 
Furthermore, I would like to emphasize the recent data breaches that have occurred at Experian, which have posed a significant threat to my personal and financial information. 

These breaches have resulted in great harm to my credit score and overall financial well-being. It is evident that Experian 's inaccurate reporting, coupled with their failure to perform a thorough investigation, has caused me undue financial distress. 


In light of the aforementioned violations and the evidence provided, I kindly request that the Federal Trade Commission investigate the actions of Experian and ensure that they delete the disputed accounts from my credit file. This request is made with the expectation that appropriate action will be taken against Experian for their repeated violations of consumer rights and their failure to adhere to reasonable investigation standards. 


Enclosed with this letter, you will find the relevant public records document that supports my claim. I trust that you will carefully review the evidence provided and take the necessary steps to address this matter. I appreciate your attention to this issue and look forward to a swift resolution.

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 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
they sent me a printout of old statement summaries, which is not proof of ownership, they are violating my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Good morning I'm trying to purchase a house. I've been a customer for a while with capital one and I'm not sure how the mix up happen but it's Incorrect information on my report with XXXX it was deleted and now it's drawing my credit scored down and it should not be able to. Re appear you could help me out with the situation? I really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite my consistent track record of making timely payments, I am distressed to find that the credit bureau is reporting me as being late. I would like to emphasize that I have never been late on these accounts, and I urge the bureau to commence an investigation to rectify this inaccurate reporting promptly.

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 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB is saying they have processed my previous complaints before. With my complaint last XX/XX/2023 and my complaint now. I am hoping that ALL fraudulent items on my credit report will be REMOVED. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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 2023-05-23 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: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB is saying they have processed my previous complaints before. With my complaint last XX/XX/2023 and my complaint now. I am hoping that ALL fraudulent items on my credit report will be REMOVED. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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