vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was a victim of fraud and there is an XXXX  address XXXX XXXX something that keeps appearing on my credit after I have advise all 3 reporting agencies to remove it. They are updating it as old. Experian being the most recent company I have reached out to and my identity is not being identified on many platforms. As well they have me listed as living in NJ when I have did a credit check through them and at least two of my credit tradelines have reporting My updated address they will not update my personal information and old debt off my credit report no matter how many times we seek help.

I can't get help on the phone as I can not be identified because they have the wrong information. 
This is ongoing.

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 2022-09-06 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX. I identified a discrepancy with account listed under Convergent Outsourcing and validation was request as this was an account that I did not recognize.I recieve a billing that look like someone just created it. They didnt provide me with the accurate paperwork. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received the correct correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out. After reviewing credit report again there has not been any updates and this account is still reflecting on the report. This creditor is keep re aging this account so the statute of limitations can start over which is a violation of my rights. Please delete this account from my credit report for being false 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 2022-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for microcenter credit card on XX/XX/XXXX, XXXX application was denied for unknown reasons and never gotten a letter and I have a good credit score with XXXX XXXX well Fargo hasnt call me or explain why I want this inquiry to be removed for false advertising I have a fraud alert that might be the reason why it was denied and they never call me on my phone number to verify my identity Its been few weeks no decline letter or anything

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 2022-09-06 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: IN

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: IN

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.

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 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them

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 2022-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
fifth third is contacting collection companies to harass me. I know nothing anything about any outstanding debt to fifth third.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I asked the credit bureaus to update my name in my credit report and still, the incorrect names still show 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 2022-09-06 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: WI

Complaint narrative:
As of XX/XX/XXXX the balance on my XXXX XXXX XXXX loan account was {$770.00}, this has been the balance since XX/XX/XXXX. I have asked Experian several times to update the amount. Since XX/XX/XXXX Experian shows my balance was {$2300.00}. This information is incorrect! This is the balance Experian still shows I owe. I have disputed this amount numerous times with Experian and they never updated my credit report. Note XXXX and XXXX completely removed this account. I have sent Experian proof of my payments and they still updated nothing. On XX/XX/XXXX I paid this account in full by paying the remaining {$770.00} due on this account and Experian still refuses to update or remove this account! Please ask them to remove this account as XXXX and XXXX did!

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 2022-09-06 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an Purpose

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was a victim of fraud and there is an XXXX XXXX  XXXX XXXX something that keeps appearing on my credit after I have advise all 3 reporting agencies to remove it. They are updating it as old. XXXX being the most recent company I have reached out to and my identity is not being identified on many platforms. As well they have me listed as living in XXXX when I have did a credit check through them and at least two of my credit tradelines have reporting My updated address they will not update my personal information and old debt off my credit report no matter how many times we seek help. 
I can't get help on the phone as I can not be identified because they have the wrong information. 
This is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Company : Victoria 's Secret / Comenity Bank Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Original Balance : XXXX Balance Reported : {$430.00} Account ending in XXXX was reported as late on XX/XX/XXXX. During the beginning of COVID19, I called the bank to let them know that " I will be behind on my payments due to the critical situation that my company was going through. The operator told me that i shouldn't worry about late fees/ late payments because the account will be " paused ''. I asked to receive confirmation via email, i never received it but i was re-assured over the phone that i would only have to pay for the original balance. 
From & XXXX it went to {$430.00}, it has been doubled up ONLY in late fees. This type of abusiveness has to stop, the city of NY was locked down and many people lost their jobs and family members during COVID19. I as an essential worker, was struggling to make it home, did not apply for unemployment, however my salary did not increase at all. 
I lost my father, grandparents and the funeral expenses are not cheap. I was harrassed by the debt collectors over the phone, never had a payment plan option to cancel the original debt. The bank sold the debt to " BUREAUS INVESTMENTS GROUPS PORTFOLIO NO XXXX LLC '' this company has violated my consumer rights by opening the debt, and reporting late payments to the credit bureaus when the debt has been charged-off /closed. This debt is XXXX years old and based on the new debt collection rules, it's time-barred. 
The Fair Debt Collection Practices Act prohibits to be threaten by debt collectors, also debt collectors need to provide all the relevant information to validate any debt/ over the phone the collection company did not provide the company 's name nor the account number nor mentioned about my rights to dispute this debt. The debt collectors did not provide transparent information/communication while trying to collect their debt. 
I have been victim of improper debt collection. Under the new shorter statute of limitatios creditors can not proceed with a debt that is time-barred, it's violating the three-year period implemented in the new Credit Fairness Act signed in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: MO

Complaint narrative:
The Credit Bureaus have done terribly nothing! I have been sending countless dispute letters as well as submitting numerous CFP complaint and it is clear that the Credit Bureaus have never paid attention to my disputes. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft and provide proofs of verification if the Credit Bureaus claim that the items are verified. But upon reviewing a copy of my updated Credit Report, the Credit Bureaus still include reporting the disputed accounts and information without sending me copies of documents bearing my signature. I have read enough to understand my rights which is clearly being violated by the Credit Reporting Agencies. I am submitting this CFPB complaint to remind the Credit Bureaus of my disputes and hopefully remove the disputed fraudulent accounts and information completely from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX B XXXXXXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX Owed : {$55000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$970.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed XXXX {$400.00} XXXX & XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1200.00} DP OF EDUC XXXX Balance Owed : {$4900.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3700.00} DP OF EDUC XXXX Balance Owed : {$7400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2022-09-06 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: MO

Complaint narrative:
The Credit Bureaus have done terribly nothing! I have been sending countless dispute letters as well as submitting numerous CFP complaint and it is clear that the Credit Bureaus have never paid attention to my disputes. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft and provide proofs of verification if the Credit Bureaus claim that the items are verified. But upon reviewing a copy of my updated Credit Report, the Credit Bureaus still include reporting the disputed accounts and information without sending me copies of documents bearing my signature. I have read enough to understand my rights which is clearly being violated by the Credit Reporting Agencies. I am submitting this CFPB complaint to remind the Credit Bureaus of my disputes and hopefully remove the disputed fraudulent accounts and information completely from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX Balance Owed : {$55000.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$970.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed XXXX {$400.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1200.00} DP OF EDUC XXXX Balance Owed : {$4900.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3700.00} DP OF EDUC XXXX Balance Owed : {$7400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I asked the credit bureaus to update my name in my credit report and still, the incorrect names still show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I asked the credit bureaus to update my name in my credit report and still, the incorrect names still show 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 2022-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Omni Financial Corp.
State: NC

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

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for my purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$5400.00}, XXXX XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$11000.00} If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Date : XX/XX/2022 Around XXXX XXXX  EDT Amount : XXXX Incident : At the time incident happened, I and my girlfriend were stopped at a crossing and waiting for the traffic light. Some street gang approached our vehicle and scrub my windshield and asked for money. At that time I refused to accept any service, but they ignore my sign and scrubbed the windshield. After that they asked me for money, I explicitly said I don't have money and don't want to give them anything, and they forcibly took away my phone without my permission, and opened the Bank of America App and used the built-in XXXX app transferred XXXX to a stranger 's account. 

The phone was unlocked at that time and I did not give any passcode to them. They used face ID to pass the BofA app lock. They flashed my phone in front of my face, again I did not touch my phone and no passcode was given during the whole process. 

XXXX is also the daily limitation of BofA XXXX transfer. 

After doing so they gave me back my phone. I did not fight back due to concern for my personal safety, but I called the police immediately after this incident. Police responded to my request very quickly and captured those gangs. Now the defendant is waiting for a trial. 

I contacted BofA immediately and notified them I experienced a robbery, but after investigation, they decided this transfer was initialed from my routine device, so the money won't be given back. 

Thank you

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 2022-09-06 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an Purpose

Company response to consumer: Closed with explanation