vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had nine late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) I opened an investigation and after about 25 days did not show any proof of being late on these accounts. I demand to have the late payments be removed from my report or other legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-16 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-16 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I disputed a charge with XXXX via American Express. American Express denied my claim without reading the rationale for why I disputed the charge. American Express stated that It was my responsibility to cancel the booking, however as it was discussed in my documentation, I did try to cancel, however XXXX would have charged me in full for the cancellation. 
Furthermore the host tried to have me agree to terms and conditions that were not disclosed prior to booking, that I did not agree to. This is a violation of the Fair Credit Billing Act. If the agreement is not agreed to I can not be charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/ I received a letter from XXXXXXXX XXXX that told me that there was an application for an XXXXXXXX XXXX XXXX, and they were unable to verify my Social Security number so they were unable to issue a card. However, there was an inquiry into my credit score. The date of the initial transaction was XXXX XXXX XXXX and XXXX XXXX XXXX XXXX got a copy of my Equifax credit report ; that I did not apply for nor authorize. I called Equifax immediately and had a fraud alert and a freeze on my credit report. Additionally, the address on the XXXX denial letter is my old address, we moved over a year ago and that is not my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax has been furnishing an inaccurate account on my credit file for over 2 years.. I have called, complained, disputed, faxed documents, and even contacted the furnishing company ( whom mailed them a letter, stating that account is not mines ).. They still havent removed it yet.. the account is a hard inquiry that reads : XXXX XXXX this inaccurate information be removed without prejudice expeditiously..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Lvnv funding LLC / XXXX XXXX XXXX this debt collection is still on my credit report but have been paid and should be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX Balance : {$510.00} CB XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX  XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I could not access my credit karma account due to an unauthorized and unrecognized email, XXXX. I could not cancel the account or speak to customer support about this issue. I need assistance as soon as possible on what to do next

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LoanCare, LLC
State: GA

Complaint narrative:
My mortgage company ( Loancare ) reopened ( updated ) my bankruptcy account on my credit report on XX/XX/XXXX. I submitted a credit dispute on XX/XX/XXXX with XXXX. Due to this error my credit score has dropped almost XXXX points. My bankruptcy was discharged with no reaffirm on XX/XX/XXXX. My credt report is now showing an open account with a balance of {$63000.00}. It is also reflecting that any payments will be now be posting on this account! I reached out to Loancare twice and I received a notice stating they are " investigating ''. I NEED this matter resolved as quickly as possible. This bankruptcy had fallen off my credit ( 10 years ) and NOW it has been opened back up!!

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 2023-02-16 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: NCB Management Services Inc.
State: OH

Complaint narrative:
The attached letter was sent to NCB over a month ago with no response. 

Notice to Principal is Notice to Agent and Notice to Agent is Notice to XXXX NCB XXXX XXXX Acct # XXXX Notice to Dispute Debt I dispute any debt your company claim to have on me. 

You must stop all collection activities. Do not call my telephone number ( XXXX ) XXXX. If you were ever given permission to call this telephone number ( XXXX ) XXXX I am revoking that now. 

My demands are : For you to provide me the audit trail This is what I need included in the audit trail : Account File Ledger All Accounting documents The transaction history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account IMMEDIATELY. 

If you fail to communicate to the consumer reporting Agencies that this debt is in DISPUTE, that would be a violation Pursuant 15usc 1692e8-False or misleading Representation. 

The law is very clear as to the civil liability and the remedy available to me, according to 15usc 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained. 

Please be aware that freezing this account is not an update to my credit report. 

Thanks for giving this letter your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a credit alert from XXXX regarding a credit card account opened under my name with capital one on XXXX-2022. I contacted capital one at XXXX they assured me that there is no account under my name or social security number. However, I found that someone opened an account and added me as an authorized user without my permission, without my knowledge. capital one never got my permission to add me as an authorized user, they never contacted me or got my consent to be an authorized user. they checked my credit report without legitimate reason they also posted it on my report and denied that I have an account under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I was on XXXX to find a rent house. When I submitted a request for a property showing it took me to XXXX where I filled out an application. The man named XXXX XXXX XXXX or XXXX XXXX, contacted me to take the home off the market and to do that I had to pay the security deposit. He said he will take XXXX payment in the amount of {$1500.00}. The email he provided for this deposit was XXXX and he sent me a leasing contracts with the state of Texas printed on the top of page to me from XXXX. he was supposed to meet me at XXXX XXXX XXXX XXXX XXXX Texas three times he never showed up. After two days the XXXX website sent me an email saying they took the property off the market and it might be fraudulent. It was too late by then, he already had all my sensitive information. SS DOB and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00}

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 2023-02-16 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Federally protected consumer rights to privacy and Confidentiality under 15 US 1681. 
Account name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Has Violated my Rights. 
15 U.S.C 1681 section 602 A. Stated I have right to Privacy 15 U.S.C 1681 section 604 A section 2. it also states that 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 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: IN

Complaint narrative:
Global Lending Services LLC. I received a check from my insurance company for {$2200.00} to fix some damage on my car after a tire blew. I called Global Lending and spoke with them about losing my job, and the insurance check. I told him I didn't have the money to fix my car since there is a {$500.00} deductible. They told me if I endorse the check, send it to them, they would use part of that check to get me caught up on my payments, and cut me a check back for the rest. That way I could get caught up on rent and utilities & actually buy XXXX gifts for my grandchildren as well. In good faith, I did this and sent a letter with the check about the phone call. About a month went by without a word. I found out they had cashed the check, hadn't called me, and hadn't applied it to my balance. I spoke with them at least 10 to 20 times over 3 months explaining the check and what I was told. One conversation with them they were able to see the check, tell me the amount and the check number, and told me it was put into an account for me for when I fixed my car. I went over again that I can't fix the car & what they told me to do with the check. She told me the person over that account was not there and would call me back tomorrow. This never happened & every conversation with them is as if we never talked before. Now, as of yesterday XX/XX/XXXX, a very rude and condescending manager named XXXX, at GLS was accusing me of lying about this check and telling me there isn't a check at all. I called XXXX XXXX my insurance company, they verified it had been cashed and deposited by Global Lending on XX/XX/22 and gave me the information & account number it was deposited into Etc. When I called XXXX back to give him the information, he wouldn't take it & gave me a generic email for customer service which is something I've tried before and gets no result, and told me to send it to that email. He continued to threaten me with repo & act like I was lying about this check and was very condescending again. At this point I have sent the information to the email, and I'm waiting to see. Unfortunately, if this doesn't get resolved soon, XXXX threatened that they would come and get the car at the end of the month, and it's XXXX already. XXXX also stated that IF there was a check, they would have already applied it to what I owe and get me caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00}

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 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have found reported collections on my credit report file at XXXX and the entry reads The dispute for the account with PORTFOLIO RECOV ASSOC that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX XXXX XXXXT with XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and XXXX XXXX XXXX. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.

Company response to consumer: Closed with explanation