vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 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: MT

Complaint narrative:
I have contacted the credit reporting companies through multiple dispute letters. I have contacted the creditor and each have blamed each other for not be able to correct errors in my Credit report. I have contacted XXXX, Experian, XXXX, and XXXX, with no results on removal of this account. I will attach a copy of a document from XXXX showing an account with my husband, a do not send anymore dispute letters, and a copy of the loan history from XXXX XXXX XXXX. The report document from XXXX shows that account number XXXX XXXX XXXX XXXX  was discharged through bankruptcy XX/XX/XXXX, This account for {$24000.00} was reaffirmed and paid in full ( 1st error ). The Payment History stops XX/XX/XXXX, If you will look at the loan history I have included you will see that the loan was paid through XX/XX/XXXX ( 2nd error ). 
While this loan covers 7 years the " Terms '' on the XXXX report show O ( 3rd error ). The " High balance '' and the " Recent balance '' are Not reported ( 4th and 5th error ). These errors from XXXX XXXX XXXX  are also in XXXX, Experian, XXXX, and 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 2023-05-04 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: LEXISNEXIS
State: MT

Complaint narrative:
I have contacted the credit reporting companies through multiple dispute letters. I have contacted the creditor and each have blamed each other for not be able to correct errors in my Credit report. I have contacted XXXX, XXXX, XXXX, and Lexisnexis, with no results on removal of this account. I will attach a copy of a document from XXXX showing an account with my husband, a do not send anymore dispute letters, and a copy of the loan history from XXXX XXXX XXXX. The report document from XXXX shows that account number XXXX XXXX XXXX XXXX  was discharged through bankruptcy XX/XX/XXXX, This account for {$24000.00} was reaffirmed and paid in full ( 1st error ). The Payment History stops XX/XX/XXXX, If you will look at the loan history I have included you will see that the loan was paid through XX/XX/XXXX ( 2nd error ). 
While this loan covers 7 years the " Terms '' on the XXXX report show O ( 3rd error ). The " High balance '' and the " Recent balance '' are Not reported ( 4th and 5th error ). These errors from XXXX XXXX XXXX  are also in XXXX, XXXX, XXXX, and Lexisnexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: OR

Complaint narrative:
They called from a XXXX Oregon phone number and stated they were trying to mediate a loan I received in XXXX then changed it XXXX from check into cash. They stated they were going to garnish my pay check. I never got a payday loan from anyone. They called themselves XXXX services. Phone number XXXX XXXX XXXX. They had my ssn, my previous address and a really old email.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willing conspiring to deprive me of human rights under color of law title 18 usc 241/242.

Fact : Section 18 usc 241 : makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the Unites States or because of his or her having exercised such a right.

Fact : Section 242 of Title 18 makes it a crime for a person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States According to federal reserve act section 16 part 2 : it states my Application was used as a bill of exchange to fund the account as collateral!

Fact : Federal Reserve Act : Section16 ( 2 ) Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

As you should know, FACT : Federal Reserve Act Section 29. Civil Money Penalty c ). The maximum daily amount of any civil penalty which may be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- 1. in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and 2. in the case of a member bank, an amount not to exceed the lesser of -- * {>= $1,000,000} ; or * 1 percent of the total assets of such member bank.

In conclusion you are commanded to deleted from all consumer reports and compensate for ALL VIOLATIONS!!! Failure to perform will lead to a federal lawsuit against your corporation for breach of agreement and securities fraud accordingly to Bill of Enchange Act, and Federal Reserve Act

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 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2023 I Was Checking My Credit Report & Noticed An Unknown Account From  XXXX XXXX Account Number XXXX With A Balance Of {$2000.00} I Immediately Contacted ALL Credit Reporting Agencies To Dispute This Account After It Was Marked As Verified Without Conducting A Full Lawful & Proper Investigation & Sending Me A Hard Copy With A Detailed Description Of How This Account Was Verified Experian Is In Violation With FCRA & Owes Me {$1000.00} For Damages Caused & Now Has 15 Days To Complete A Proper Investigation & Delete This Fraudulent Information From My Consumer Report After Receiving This Notice

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 2023-05-04 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: WI

Complaint narrative:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, XXXX, and Experian are reporting 30 days inaccurate late payments for the XXXX XXXX XXXX XXXX with the account number XXXX. This includes late payment ( s ) 30 days for the months of XXXX and XXXX XXXX, 60 days for the month of XXXX XXXX, 90 days for the month of XX/XX/2019. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, XXXX, and Experian violating my Federally protected rights. To add to this, I did not give XXXX, XXXX, and Experian written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX, XXXX, and Experian has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

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 2023-05-04 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 XXXX Account # XXXX, XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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 XXXX Account # XXXX, XXXX 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

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 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I was alerted by XXXX credit agency that new activity appeared on my credit report. A account went into collections from credence resource management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx, XXXX, XXXX, acct- XXXX, date opened,, XX/XX/XXXX, original creditor is Att for the amount of XXXX. I completed an online dispute XX/XX/XXXX, this is fraudulent activity, I did not open any accounts with anybody on XX/XX/XXXX, nor am I aware and have never recieved any correspondence from XXXX or this company about any past due monies owed by me. This activity appeared out of the blue on my credit report XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: WI

Complaint narrative:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Equifax, XXXX and XXXX are reporting 1 inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number xxxx - XXXX. This includes late payment ( s ) 60 days from XX/XX/2017. This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, XXXX and Equifax in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX, Equifax and XXXX have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2023 I Was Checking My Credit Report & Noticed An Unknown Account From XXXX XXXX Account Number XXXX With A Balance Of {$2000.00} I Immediately Contacted ALL Credit Reporting Agencies To Dispute This Account After It Was Marked As Verified Without Conducting A Full Lawful & Proper Investigation & Sending Me A Hard Copy With A Detailed Description Of How This Account Was Verified XXXX Is In Violation With FCRA & Owes Me {$1000.00} For Damages Caused & Now Has 15 Days To Complete A Proper Investigation & Delete This Fraudulent Information From My Consumer Report After Receiving This Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: MI

Complaint narrative:
Every time mortgage lenders pull a credit report from the three main credit bureaus, our clients begin receiving hundreds of phone calls, text messages and emails!! Even if we use the opt out or do not call list, these other lenders are going around the protections by looking up the customers online. I believe this is a major violation of the right to financial privacy act as the clients sensitive data is being sold to other lenders by the credit bureaus!! I have contacted our congressman and senator and the attorney general. I have thousands of customers who have had their privacy violated including myself and members of my family!! 
This is a rampant problem in the mortgage world and it needs to stop now!! What is the next step in a solution for this huge problem? 

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 2023-05-04 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:
1 ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX  ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : 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 2023-05-04 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: WA

Complaint narrative:
XXXX refuses to remove me from the consumer credit reporting list, even though I have signed and submitted the opt-out document removing me from XXXX  consumer reports. They continue to give out faulty and inaccurate info. To add insult to injury on my credit report ( s ) no where is any indication about financial fraud or debt owed, yet XXXX illegally continues to report even though I have opted out and there info conflicts with my three major credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: Early Warning Services, LLC
State: WA

Complaint narrative:
XXXX refuses to remove me from the consumer credit reporting list, even though I have signed and submitted the opt-out document removing me from XXXX  consumer reports. They continue to give out faulty and inaccurate info. To add insult to injury on my credit report ( s ) no where is any indication about financial fraud or debt owed, yet XXXX  illegally continues to report even though I have opted out and there info conflicts with my three major credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: CA

Complaint narrative:
Late XX/XX/2023 a bank ( XXXX ) called me to find out if I had applied for a credit card. I told them that I did not apply for a credit card. They told me that they would not approve the card and asked that I file a report with Identitytheft.org I filed a report with XXXX XXXX XXXX XXXX mobile account also alerted me that there were recent Hard Inquiries on my credit for credit cards or accounts that I didn't apply for. 
I also found out through my work that there was a breach with our personal information through an insurance company called XXXX XXXX XXXX last year and that we could get free credit report surveillance through a company called XXXX. 
I then filed an account with XXXX ( phone number is XXXX XXXX XXXX ). 
They asked that I freeze all of my accounts through XXXX, XXXX, and XXXX. I went ahead a did that. 

When I called XXXX to request that the hard inquiries are removed from my credit report, they asked that I file fraud with either my police department or with FTC.gov. 

When I went to the FTC.gov website, it brought me to this website to make my report. 

I would like to have the following hard inquiries removed from my credit report as XXXX are fraudulent : XXXX ( Don't know what bank this is ) XX/XX/2023 ( Shows up on my XXXX XXXX account ) XXXX XXXX, XXXX XX/XX/2023 ( XXXX doesn't have this listed but it shows up on my XXXX XXXX account ) JPMCB Card service XX/XX/2023 ( XXXX has the date listed as XX/XX/2023 JPMCB Card services XX/XX/2023 XXXX XXXX Bank XXXX XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received an email at XXXX XXXX on XX/XX/2023 confirming I had successfully joined their online banking service, when I had never banked with them ( BoA ). I got another email 5 minutes later saying my application had been denied. I tried calling the following morning but could not get through so I let it be since it had gotten denied. I received another email confirming my joining for online banking services again today ( XX/XX/2023 ). They have been unhelpful with dealing with this fraud and have sent me back and forth between departments.

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 2023-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX NA XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/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 2023-05-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Late XX/XX/2023 a bank ( Citibank ) called me to find out if I had applied for a credit card. I told them that I did not apply for a credit card. They told me that they would not approve the card and asked that I file a report with Identitytheft.org I filed a report with XXXX XXXX XXXX XXXX mobile account also alerted me that there were recent Hard Inquiries on my credit for credit cards or accounts that I didn't apply for. 
I also found out through my work that there was a breach with our personal information through an insurance company called XXXX XXXX XXXX last year and that we could get free credit report surveillance through a company called XXXX. 
I then filed an account with XXXX ( phone number is XXXX XXXX XXXX ). 
They asked that I freeze all of my accounts through XXXX, XXXX, and XXXX. I went ahead a did that. 

When I called XXXX to request that the hard inquiries are removed from my credit report, they asked that I file fraud with either my police department or with FTC.gov. 

When I went to the FTC.gov website, it brought me to this website to make my report. 

I would like to have the following hard inquiries removed from my credit report as XXXX are fraudulent : XXXX XXXX Don't know what bank this is ) XX/XX/2023 ( Shows up on my XXXX XXXX account ) Citibank NA, XXXX XX/XX/2023 ( XXXX doesn't have this listed but it shows up on my XXXX XXXX account ) XXXX  Card service XX/XX/2023 ( XXXX has the date listed as XX/XX/2023 XXXX Card services XX/XX/2023 XXXX XXXX Bank XXXX XX/XX/2023 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