vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had to late payments on an account that I was in fact paid on time. The consumer reporting agencies have the need to report all information with complete accuracy. 
This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX  Account # XXXX XX/XX/23 XX/XX/23 I am now requesting you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demmand these payments be updated to paid on time immediately. Thank You for your understanding and prompt actions

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have received a copy of my credit report, and Im disputing the following information that appears on my Experian report. 
XXXX has fraudulently reported on my Experian report. I am a victim of identity theft and I never opened this account. Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that this be removed completely and permanently from my credit report immediately.

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 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
Over 150 unauthorized charges back to back sometimes 3at the exact same time and all were in a specific time frame to the same merchant with an exception of 1 other merchant where debit was made and credited back/claim has been reopened and denied many times in past 4 days with clear evidence of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX, is reporting adverse and negative information on my credit. The accounts they are reporting are not mine.

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 2024-02-10 00:00:00
Product: Credit reporting 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: AR

Complaint narrative:
i am a natural person, i am a livng human being. i have right under 15 usc 1681 XXXX  is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give XXXX written permission to furnish these accounts Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
An intimidating man wearing all black showed up at my former place of residence with no ID and did not indentify himself when asked multiple times. He had a false court summons and trying to intimate an XXXX  man ( XXXX XXXX XXXX with XXXX XXXX ) who owns that residence. I have no relation with him. This unidentified man threw the falsified summons into someone elses face who lived there which shared my information and debt without my consent. This incident was on camera and recorded. The XXXX  man was very shooken up and almost had to be taken to the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I opened a dispute back in XXXX of XXXX  in regards to items appearing on my credit report that i believe are not mine. Equifax responded to the CFPB, but not me and no black and white proof was ever provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I DO NOT owe any debt to this company, they purchased this debt from a company with a account that was fraudulently opened during covid. under code 15 USC CODE 1681S-2 inaccurate reporting this account isnt even open it was simply purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I looked at my XXXX credit profile and seen that there were unauthorized inquiries XXXX XXXX XXXX Vystar Credit Union 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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I looked at my XXXX credit profile and seen that there were unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Feb/Destiny Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
my first letter sent to Equifax was sent on XX/XX/23 and received on XX/XX/23 and sign by an Equifax representative disputing multiple inaccurate and incomplete items on my consumer report. here 's is the tracking number for the first letter sent certified mail. XXXX XXXX XXXX XXXX XXXX XXXX. I have also sent a second detailed dispute here is the tracking number XXXX XXXX XXXX XXXX XXXX XXXX letter sent on XX/XX/23 and received on XX/XX/23 by an Equifax representative. Since there was no investigation or reinvestigation has been conducted and none of the items/ and accounts weren't deleted due to multiple inaccurate fields and incomplete items being reported on my consumer report they are in violation of the fcra

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
The company BridgeCrest has been reporting on my credit report, on a charged off account. This account balance has repeatedly been increased in the interest of time. The increase amount is almost {$6000.00} dollars on a charged/collections account. The balances are also reporting 3 different amounts on all 3 reports.

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Account # XXXX with XXXX XXXX are fraudulent charges and I never signed contract and they do not have a right to collect. They have no proof or validation of me signing contracts or any medical waivers by letting them under the HIPAA act as well. They keep reporting to the credit bureaus that I owe which in fact I do not owe and should not be on my credit report. This account is fraud and any one reports this is also committing fraud as well. I request this account to be reinvestigated and it was not. I have talked to attorneys and now this has become a big law suite . Please remove this account permanently or you will have have a law suit. I will also file a complaint with the US attorneys and State attorneys office. I will also file a compliant with Senator XXXX XXXX XXXX  office as well Congressman XXXX XXXX XXXX. Attorney that I might go with if this is not removed permanently XXXX XXXX XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Subject : Urgent Action Required : Dispute Regarding Inaccurate Credit Entry Dear [ Credit Bureau/Collection Agency ] , I hope this email finds you well. I am writing to express my deep concern regarding an entry on my credit report that does not belong to me. My intention is to resolve this matter promptly and ensure the accuracy of my credit file. 

I recently reviewed my credit report and discovered a listing in your records for a debt that I do not owe. I want to reiterate that this debt is not mine, and I am determined to rectify this discrepancy as soon as possible. To support my claim, I have already submitted a letter affirming that I have paid all my debts in full. However, I have yet to receive any documentation that clearly demonstrates the validity of this debt. 

In light of the above, I kindly request that the erroneous entry be removed from my credit report immediately. Alternatively, I request that you provide me with the necessary evidence, such as an original contract, invoices, or any other relevant documents, which conclusively prove that this debt truly belongs to me. It is vital for me to have this matter resolved in order to safeguard my financial well-being and maintain a fair credit history. 

I want to emphasize the urgency of this matter, as an unjustified negative impact on my credit report can significantly impact my financial future. It is my right, as a consumer, to have an accurate and up-to-date credit report, free from inaccurate or misleading information. 

I kindly request that you take immediate action to address this issue and inform me of the steps you have taken to rectify the situation. It is my hope that we can resolve this matter amicably and avoid any further escalation. 


Thank you for your attention to this matter. I trust that you will act in accordance with the Fair Credit Reporting Act and swiftly resolve this dispute. I look forward to receiving a favorable response from you within the shortest possible time frame. 

Yours sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX has been reporting fraudulent mortgage payment amounts to the credit companies. And then used these fraudulent numbers to file for foreclosure on my home. In a correspondence dated XX/XX/XXXX from XXXX XXXX Complaint XXXX XXXX XXXX. She stated " Principal and interest payments of {$1000.00} starting on XX/XX/XXXX for 30 years. '' Also she admits that XXXX XXXX XXXX XXXX. Can not produce proof that they gave me any type of Loan. Stating " XXXX must decline your request to produce a signed contract proving that funds were provided in the form of a loan ''. However XXXX XXXX XXXX XXXX has reported to all three credit agencies that I'm delinquent for the payment amount of {$17000.00} per month. This fraudulent amount is not the amount of my original loan from XXXX XXXX that I have a signed contract with. They have admitted to fraudulent action and extortion of funds and proof that they have no contract with me to demand anytime of repayment.

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 2024-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: MO

Complaint narrative:
The company XXXX has been reporting on my credit report, on a charged off account. This account balance has repeatedly been increased in the interest of time. The increase amount is almost {$6000.00} dollars on a charged/collections account. The balances are also reporting 3 different amounts on all 3 reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, im just asking for my rights here, they dont want to report this account to at least one of the major credit bureaus, which is illegal not to do it, i have called like 3 times and they dont call me and once they told me they not doing that, the main purpose of this loan was because i wanted to hace this payment history on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am trying to apply for a credit card with XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) keeps saying they areUnable To Verify Credit Reference. Basically, they are unable to get my report from Equifax. This is weird because there is a hard inquiry from XXXX on XX/XX/XXXXXXXX  so Im not understanding how they can do a soft pull but not a hard pull. Also, my report and score updated regularly with XXXX XXXX and on my.equifax.com. 

Im really not trying to start and issues. I just want this looked into and resolved. I sent a letter twice to EQUIFAX at address XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/XXXX. I also uploaded the letter with my ID and social to my.equifax.com. 

I just want XXXX to be able to obtain my credit report so that we can proceed with them extending me credit. Please if there is an internal block, freeze, or anything with my credit report with EQUIFAX. Please remove that freeze and allow XXXX XXXX XXXX to obtain my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My x girlfriend ask the the company to remove me as a authorize user, they told her they did but still shows up on my credit report, this was done around 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 2024-02-10 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
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.

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 2024-02-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: PA

Complaint narrative:
I bought a NetSpend card to pay a bill. There were no warnings that I wouldn't be able to access my funds. There is not immediate use to the card which is false advertising. Due to me having an account before, I had to verify my identity using a state issued identification card and my demographics. They said the account is still in fraud and they are unable to activate the card or give me back my funds for immediate use. The bill had to still be paid taking the last of my funds for my son 's XXXX birthday today. They are saying I have to receive a check that takes 15 days and I can't be refunded the {$2.00} I paid for the card. This was fraud, theft, and false pretenses. I tried to get a refund from XXXX where I bought and loaded the card. They stated it was nothing they could do. They are funneling people 's money for their own benefits without delivering the service and goods. This was an unfair practice that honestly gave me no resolve.

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 2024-02-10 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
XXXX XXXX Department charged my account without my consent that I owe a debt 31 USC subsections 3123 my credit report has charges that against consumers law 15 USC 1681 ( n ) wilfully fail to comply so my information wast stolen after Breach of contract, breach of office, 15 USC 1605 ( a ) it's prepaid XXXX 15usc 1681s-2 ( B )

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 2024-02-10 00:00:00
Product: Credit reporting 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: AR

Complaint narrative:
i am a natural person, i am a livng human being. i have right under 15 usc 1681 transUnion is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give XXXX written permission to furnish these accounts XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief