vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion Refuses to let me file a dispute, and or get my credit report! I need to Dispute my XXXX XXXX XXXX XXXX XXXX Account. Judgment was rendered in my favor from a debt lawsuit and the account needs to be removed pursuant to the FRCA, the account needs to be disputed, and removed!

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 2023-01-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: MO

Complaint narrative:
Improper use of cards funds missing from bank credit cards being closed debit cards misused XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX XXXX cards misused closed acct. loans secured loan with XXXX XXXX XXXX XXXX XXXX never returned from XXXX loan several disputes no help. Unknown address on credit report mortgage loan on credit report. Eviction neighbors have all personal info sheriff XXXX police would not allow to retrieve have all personal belonging. Soc security monthly checks amount incorrect XXXX never delivered doc security statements XXXX XXXX however someone used it at XXXX XXXX XXXX XXXX XXXX I started with XXXX in XXXXcombined XXXX XXXX present believe someone is pretending to be me on my job ( working as myself as a XXXX XXXXXXXX at XXXX XXXX using my credentials as a XXXX XXXX fraudently. Accessing my benefits and pay. Used medical dental XXXX w/dependent. I do not have any children. Signing in XXXX many different folks one shows zipcode XXXX unable to remove. Insurance fraud closed many insurances possible New York life ( life/annuity acct ) protective life should be Wisconsin Life life annuity ) problems with State Farm XXXX Alabama insurance acct. XXXX XXXX acct saying switched to XXXX I never approved this. XXXX retirement XXXX XXXX some showing XXXX XXXX approved this supposedly a savings acct however unable to withdraw from many more Fidelity acct. Need to speak to someone. neighbors and XXXX XXXX XXXX ( Professional Equities involvement ) Also personal info stolen from by XXXX halls ferry manor ( XXXX XXXX ) has court report ID soc sec info XXXX XXXX Also safelink affordable act phone they r using and selling my time never able to use data. I am XXXX yrs of age in 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 2023-01-02 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: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnishers and they do not have information pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belongs to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnishers and they do not have information pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belongs to me legally.

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 2023-01-02 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO MIDLAND FUNDING. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT XXXX IS LICENSED IN THE STATE OF XXXX  TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: MoneyLion Inc.
State: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. MONEY LION has never proved this debt belongs to me legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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:
I have looked over my credit report several times and 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 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. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 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: TX

Complaint narrative:
I have XXXX XXXX XXXX with XXXX. I completed my XXXX  in XX/XX/XXXX, and they reported me as late then and when I contacted them, they said they had the wrong date for last enrollment. They corrected some of the late payments reported. I was enrolled in XXXX  for XXXX and XXXX XXXX. According to their website, you have XXXX  months deferment before loans are delinquent. As of today, they have reported my loans as delinquent and that is incorrect. They have bad practices internally ... how does this happen to XXXX person XXXX? 

I have attached a snip it from their website showing the XXXX deferment and I have attached my XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-02 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:
{$1300.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.

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 2023-01-02 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: NC

Complaint narrative:
{$1300.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
My rights have been violated in relation to an account on my credit report. 
PORTFOLIO RECOV ASSOC XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted. 

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
My rights have been violated in relation to an account on my credit report. 
I.C. SYSTEM, INC XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is XXXX XXXX accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is XXXX XXXX correct and needs to be deleted. 

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.

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 2023-01-02 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: North State Acceptance, LLC
State: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX UC_C. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. NORTHSTATE ACCEPTANCE has never proved this debt belong to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: Cedars Business Services, LLC
State: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX XXXX. I am being XXXX XXXX my credit with no explanation on an erroneous, alleged collections information. CEDAR BUSINESS SERVICES has never proved this debt collections belong to me legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
In accordance with the fair credit reporting act this creditor SYNCB/AMAZON PLLC XXXX XX/XX/2022 for {$180.00} this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy. 15USC 1681 604 a section 2 it also states it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as of late for any 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 2023-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My rights have been violated in relation to an account on my credit report. 
XXXX XXXX XXXX  XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted. 

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.

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 2023-01-02 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:
XX/XX/22 disputed inaccurate items with Equifax, 30 days later no resolution. XX/XX/22 diputed inaccurate items. 30 days later no resolotion. XX/XX/22 disputed inaccurate items, 30 days later no resolution. XX/XX/22 disputed inaccurate items, 30 days later no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
In XX/XX/2022, someone opened an auto loan through Bridgecrest under my name. The initial balance was {$27000.00} to be paid over 72 months. 
They did 11 credit checks with my information. 
They had on time payments for XXXX, XXXX, and XXXX. They did not pay XXXX or XXXX. They paid XXXX, then missed XXXX, XXXX, and XXXX payments. This resulted in a repossession in XXXX. The amount past due was over {$27000.00}. 
The auto loan, credit checks, multiple late payments, and eventual repossession have caused extensive damage to my credit score. 
I, XXXX XXXX, am in no way associated with this account or its payments or credit checks. I have no idea what car was even purchased with this loan.

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 2023-01-02 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:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX XXXX. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt collections belong to me legally.

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 2023-01-02 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: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX XXXX. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt collections belong to me legally.

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 2023-01-02 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: NY

Complaint narrative:
This lettely is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act. Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX has deleted inaccuracies, items that report past statute of limitations, and incorrect personal information- HOWEVER! 

XXXX and Experian WILL NOT follow suit with XXXX, my last claim they took almost 60 days. 

XXXX and EXPERIAN are reporting inaccuracies after I have made NUMEROUS attempts for them to fix it. 

XXXX and EXPERIAN are reporting items that are past their statute of limitations. 


XXXX - XXXX deleted in XXXX, but XXXX and Experian WILL NOT XXXX  - XXXX deleted in XXXX, but XXXX and Experian WILL NOT As well as inaccurate addresses and incorrect spelling of names/ relationships to people I have uploaded proof that Experian has deleted items and XXXX and XXXX XXXX to 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 2023-01-02 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:
I have looked over my credit report several times and 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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation