vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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:
XX/XX/XXXX, XX/XX/XXXX I am a fraud victim and I asked that information be removed to reflect my current name and address. I also asked that they removed the XXXX XXXX XXXX XXXX due to it is incorrect since XX/XX/XXXX due to I relinquish the timeshare property and the address was incorrect and not mines. They returned and said it is accurate. I looked again, and it is still not correct or accurate. I am requesting full deletion. 


In accordance with the Fair Credit Reporting Act, the following 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 an account without my written instructions. 

1. Personal information, names, addresses and accounts 2. XXXX XXXX XXXX XXXX Account Number : XXXX. 
3. XXXX XXXX XXXX XXXX Account Number : XXXX. 
4. XXXX XXXX XXXX XXXX Account Number : XXXX The following I paid off and told the XXXX XXXX : XXXX. XXXX XXXXXXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. {$2400.00} written off. 

6. XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. {$640.00} written off. 

7. Account name XXXX XXXX XXXX Account XXXX XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. {$600.00} written off. 


8. Account name XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. 



9. Account name XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$660.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$1300.00} written off. {$660.00} past due as of XX/XX/XXXX. 

10. Account name XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. {$1100.00} written off. 

11. Account name XXXX  XXXX XXXX. 
Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX. {$12000.00} written off.

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My bank is charging me for a fraudulent check. That was never deposited to my account. However they are not disclosing any information with my about the check nor the person information. I have filed a Police report as advised.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I was not given proper notice by Old Navy and Barclays that Old Navy 's credit card services was being transferred to Barclays and that my automatic payments would end. I only became aware of this when my credit score dropped XXXX points because of one missed payment by Old Navy Barclays. I immediately paid my credit card balance. I've contacted Barclays and Old Navy and neither will help me. 
I've always paid my credit card balances in full by the due date and have always had an excellent credit score well over 800. I had an Old Navy paperless account but I should have been notified by email or something. This is wrong that I was never notified that my automatic payments would end and that I needed to set up new payments with Barclays. When my home mortgage changes servicing companies they always notify me about the transition and that my payments would need to be set up with the new company. Old Navy and/or Barclays should have done the same. Please help!

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 2023-02-14 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2023-02-14 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: IL

Complaint narrative:
See Attachments ; You have violated my right to privacy

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 2023-02-14 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: IL

Complaint narrative:
See Attachments ; You have violated my right to privacy

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XXXX, alleged debt purchaser Portfolio Recovery Associates placed a collections account on my credit report with XXXX and XXXX. I learned about this when XXXX emailed me an update. XXXX never notified me about the alleged debt or communicated with me at any time by telephone, email or letter before it reported this account as delinquent. This violated the Fair Debt Collections Practices Act ( CFPB Amendment to Regulation F, effective XXXX ). On XXXX, I filed disputes with the credit reporting agencies, and I called XXXX to request the account be removed from my credit report. To date, XXXX refuses to remove it and it reported to XXXX and XXXX that this is a properly reported account, notwithstanding the 2021 Regulation F amendments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive received copies of my credit report and notice that XXXX XXXX XXXX ( XXXX ) Was Closed On XX/XX/2022, I Am Wondering Why Was That Account Still Reporting Late Payments Even After The Account Been Closed. May I please have this account investigated

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 2023-02-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive received copies of my credit report and notice that XXXX XXXX XXXX XXXX XXXX ) Was Closed On XX/XX/2022, I Am Wondering Why Was That Account Still Reporting Late Payments Even After The Account Been Closed. May I please have this account investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates has committed fraud and defamation. This company alleged I owe a debt however has not provided a copy of the XXXX or a copy of a lawful and legally binding contract between between myself and Portfolio Recovery Associates bearing my signature furthermore Portfolio Recovery Associates is not Licensed, Registered or Authorized to operate in the state of New York Where I reside a copy of all the state where they can legally operate is enclosed as an attachment. This company has also violated 15 USC 1692j ( a ) by furnishing deceptive forms to coerce me into thinking I owe this alleged debt which I will NOT pay unless they provide a copy of the XXXX, a lawful and legally binding contract with my signature between myself and Portfolio Recovery Associates and a copy of their license showing they can legally and lawfully conduct business in NYS. 

Further as a financial institution as per 15 USC 6827 ( 4 ) ( A ) has disobeyed 15 USC 6801 ( a ) by not providing me the opportunity to Opt Out of information sharing and sharing my non public personal information with non affiliated third party XXXX XXXX  companies which has caused injury to my character, reputation, credit worthiness, credit standing and my right to extend credit. Proof provided as attachment labeled as Exhibit B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: United Revenue Corporation
State: TX

Complaint narrative:
Starting in 2023, XXXX XXXX tradelines less than {$500.00} will no longer be reported on consumer credit reports. United Revenue Corporation located at XXXX XXXX XXXX, XXXX, TX XXXX failed to remove a medical collection off my XXXX credit report. The first sentence from this complaint is an excerpt taken directly from consumer financial protection bureau. This medical collection is {$270.00} which falls under {$500.00}. As a consumer my rights have been violated due to this collection agency allowing for something that legally needs to be erased, to stay on my report. I am requesting that this medical collection gets removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: AL

Complaint narrative:
XX/XX/XXXX -- - ; Just ended a call with an Experian representative to follow up on the copy of a XXXX letter received dated XXXX XX/XX/XXXX to inform the Public Record bankruptcy item reporting in my XXXX consumer file had been removed. I informed the Experian representative on today 's call that my call is to learn if Experian too has removed this Public Record item from my Experian credit report because XXXX is their data furnisher. The Experian representative verified my SSN and then proceeded to search for the XXXX letter I uploaded vial the internet to Experian and did receive a message that the document was successfully uploaded. The Experian representative stated he did not see the document uploaded and stated he could not locate it. -- - I received ( 3 ) letters from data furnisher XXXX stating as of the date of these letters, XX/XX/XXXX, XXXX has removed the disputed information from my file. -- -- I disputed my Public Record Bankruptcy item reporting with all ( 3 ) credit bureaus, XXXX ( XXXX XX/XX/XXXX ), XXXX ( XXXX XX/XX/XXXX ), and Experian ( on XX/XX/XXXX ) ;. ; Experian has several times forwarded dispute results ( for this same item ) stating the item remains and dispute results are verified as accurate. Experian 's dispute results stated verified as accurate are false statements as the court or any court does not report to or provide information to Experian. Experian should remove the Public Record bankruptcy and associated bankruptcy accounts immediately. -- - " I also disputed again the US Dept of Education Student Loan for incorrect balance and account status. XXXX confirmed to me in a letter dated XX/XX/XXXX ( see attachments ) that ALL of my student loans have been forgiven as of XX/XX/XXXX and should now reflect a XXXX balance, status of account stating 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 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CO

Complaint narrative:
Back in XXXX of 2022 I was made aware that something negative had hit my credit. Upon inspection I found that " enhanced recovery CO L '' had come into possession of an XXXX $ debt. From XXXX phone company. Now I had recently closed my account and paid it off on full as I was not receiving cell service most places I went. I ported my number over to XXXX  which again, I was only able to do once I paid my XXXX account in full. Come to find out that on XX/XX/2022 XXXX sold " my debt '' of XXXX $ to enhanced recovery CO XXXX This now effected my credit. I called XXXX and attempted to pay the past due after questioning the validity of it. They strongly affirmed that the XXXX $ was accumulated post phone bill date and would be " final usage bill ''. They would not allow me to settle as the debt was no longer theirs. I have now tried twice to pay it in full of deleted without any luck. I never received any sort of notification that I owed any additional money post canceling service. The phone company claims to have sent a letter to what sounds like the correct address. I never received any such mail from them in that time. I still continued to have the same email and phone number as before but the phone company claims that their only form of notifying me of this debt, was through a ( well known ) failing postal system. They had no intent of using the technology that they peddle to assure I received notice. I'm not sure if they sold it to creditors out of spite from me canceling, or if it was simply to close all accounts at the time ( exact timing of XXXX merger ). But either way I think I should be able to pay what I owe without it effecting my house purchase for the next 7 years. I never missed a bill with them. I've never missed XXXX with XXXX either. When I know I have the bill, I always pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with TransUnion. please delete an remove all inaccurate data.

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Someone post a rent payment service on XXXX group saying they could pay the rent at discounted rate. They could made the transaction first and then I paid later. I seller them after I saw the transaction was made. But they reversed the transaction several days after. I didnt know it until this week I got a notice that the transaction got reversed because the card holder dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account 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

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 2023-02-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Inquiry : XXXX has violated my rights Inquiry : XXXXXXXX XXXX has violated my rights Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX. 
Inquiry : XXXX XXXX XXXX XXXX : XXXX UCS 15 USC 1681 section 602A 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 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 items information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 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 2023-02-14 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
{$470.00} dollars was sent through ZELLE to my daughters XXXX XXXX account from my institutional bank XXXX. Zelle payment ID # XXXX. Although an email confirmation was sent from XXXX XXXX that money was sent to the account, it wasnt deposited because my daughter closed the account and once, she remembered to tell me on the sane day of transaction, we had no option to cancel transaction. We have jointly been on the phone with Zelle, XXXX XXXX & my institution to get resolution and for money to be returned only to be told by Zelle, we must go back to the bank & for the bank to tell us to go back to Zelle. Disputes was filled only to be told the bank have no number to reach a live person at Zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with transunion.

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