vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: TX

Complaint narrative:
There are 2 address reporting to my consumer report. Only XXXX address is attached to my name and that address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other addresses need to be deleted from my cosumer report. I have sent a dispute letter to the company. I have filed a complaint with the XXXX and the company response was that the disputed item is not reporting to my consumer report. The company response is false.

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 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PCR Group
State: FL

Complaint narrative:
This debt was included in my bankruptcy and has been XXXX. The company refuses to remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Recovery Corporation
State: GA

Complaint narrative:
Account was added to my collections account XXXX XXXX and XXXX. XXXXXXXX XXXX  total amount {$550.00} opening date XX/XX/2020. Ive never received documentation or bills from this insurance carrier. I made initiative to call and very collections and when was their an option to settle or dispute, no results no options given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: OH

Complaint narrative:
I sent a letter on XXXX XXXX to remove personal information that I don't want on my credit report. The tracking numbers are XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to the Fair Credit Reporting Act 15 USC 6802, no financial institution is supposed to share my personal information to any third party people. These are clear violations of my federally protected consumer rights.

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 2022-12-08 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: AL

Complaint narrative:
I was effected with identity theft due to my illegally name change in the database system reported deceased illegally without a death certificate illegally data of birth change cause me to not gain credit assistance denied credit letting other companies gain credit card an mortgage loans in my name making my credit score to decrease to poor knowing I never had anything in my name identity theft I was effected in XXXX database identity theft never received my settlement if they can't provide 2 form identity card by government law name an an birthday incorrect they company 's that reported should be hold acceptable for the action should be deleted off my credit report I half to suffer knowing I get turn down because my credit is XXXX because other companies saying I owe them for stuff I never applied for my credit is in good standard I fill like I should fill a lawsuit against the them for allowing them to do that an report false information cause me to go through this XXXX  I get denied credit from everyone can't even get a home loan due to poor credit for allowing them to be placed on my credit report knowing my data of birth is incorrect no debt no nothing with out identity cards on file thats the government law in the United States apply for credit u should have identified card on file nobody should use false information to gain credit in someone name

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 2022-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I, the consume and natural person, was denied a car loan by USAA when I applied on

XXXX.XXXXAdverse action against a consumer is AGAINST THE LAW according to 12 CFR Part 1002 of the Equal Opportunity Act. In which Regulation B protects applicants from discrimination in any aspect of a credit transaction and aspects of credit transactions include the following : Consumer credit Business credit Mortgage loans Refinancing Open-end credit Credit applications Standards of creditworthiness Denial of credit Servicing and collection Revocation, alteration, or termination of credit The Equal Opportunity Act is codified in 15 U.S. Code 1691 ( c ) and is pursuant to civil liability under U.S.C 1692k . USAA is subject to criminal liability for violating 15 U.S. Code 1691 as I have the proof that I was discriminated due to the response I received. I the consumer made the application in good faith, but loan was not issued.

Furthermore, because USAA as access to my social security number, described as a credit card under 15 U.S. Code 1602 ( l ). I received no benefit. This is proof of fraudulent activity ( unauthorized use ) o
n behalf of USAA.

I am the original creditor by means of my social security number. 12 U.S. Code 1431 - Powers and duties of banks, stipulate USAA can ONLY borrow, and is only loaning the funds created from my social security number and signature on file.

If USAA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card ( social security ). I will indeed make USAA criminally liable for all actual damages pursuant to 15 U.S. Code 1681 ( n ) and 15 U.S. Code 1681 ( o ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I ran my credit card report and noticed a derogatory mark, which then I found out it was from a debt collector ( Progressive Management System ). I tried reaching out to them multiple times to find out more information about the debt since I was not aware of any debt but their customer service kept hanging up the phone as soon as I requested more information ( they did this to me three times ). I do not know what to do since they just stopped answering my calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The synchrony bank closed my paypal account, with no reason.

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 2022-12-08 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: GA

Complaint narrative:
On XX/XX/2022 i sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items for my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data Breach and may have got into the hands of the wrong person. I already created FTC report to request a remove on the items but there is no changes that has made

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 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase just reaged an account on my credit report and it dropped my credit score. They are currently listing me as 180 days late as you can see on the payment status. Then they are listing the late payments incorrectly across all three credit bureaus. This is a violation of the Fair Credit Reporting Act, Section 623 Furnishes of Information. The last reported date is incorrect on all three credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am receiving repeated phone calls about this debt. They are spoofing numbers and calling repeatedly.I have no idea what this is or why they are collecting. Never received any notification about this and now it's on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 i sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items for my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person. I already created FTC report to request a remove on the items but there is no changes that has made

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 2022-12-08 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: GA

Complaint narrative:
On XX/XX/2022 i sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items for my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person. I already created FTC report to request a remove on the items but there is no changes that has made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: NJ

Complaint narrative:
The following inquiries were found on my consumer report and do not belong to me : XXXX XX/XX/XXXX My account started on XX/XX/XXXX as shown on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-12-08 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: TX

Complaint narrative:
Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Company is NOT registered to do business in the State of Michigan however they are, and have been flagging my account according to the above dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$710.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX {$500.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX  ) XXXX Date opened : XX/XX/XXXX Balance : {$340.00} ; XXXX XXXX XXXX ( Originalcreditor XXXX XXXX XXXX XXXX. ) XXXX Date opened : XX/XX/XXXX, XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) Dateopened : XX/XX/XXXX Balance : {$370.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXXInquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXInquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : 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
Consumer complaint received 2022-12-08 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: VA

Complaint narrative:
Please remove these inquiries. I dont recognized them. I have file identity theft report. See attached. 

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have called and mailed letters to Experian to have inaccuracte items removed from my credit file. 
I have also filed multiple FTC fraud reports as instructed by Experian all for the inaccurate information to remain. I have even sent paperwork with XXXX people with the same name as i have to emphasize the importance of the inaccurate information to be removed from my credit file. 
To date they still report inaccurate infromation and even sent letters asking for information that I actually sent them and even faxed them. 
Lastly they have even claimed to not have records of certified mail that I have proof was delivered. 

My current credit report dated XX/XX/XXXX still is reporting inaccurate information concerning my address. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is my address and ALL OTHER ADDRESSES are incorrect. They claim they are tied to accounts on my report without providing me proof. An address that my sister lived is on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting that I have never used. 

There multiple inquiries : XXXX XXXX XXXX XXXXXXXX XXXX which I never gave permissible or any other permission to access my credit file and there is no open account tied to this creditor on my report. I believe this is a metro2 violation XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/2022 which I never gave permissible or any other permission to access my credit file and there is no open account tied to this creditor on my report. I believe this is a metro2 XXXX XXXX XXXX XXXX XXXX XXXX which I never gave permissible or any other permission to access my credit file and there is no open account tied to this creditor on my report. I believe this is a metro2 violation

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Date opened : XX/XX/ Balance : {$5200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 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: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Date opened : XXXX XXXX XXXX  Balance : {$5200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In accordance with the Fair Credit Billing Act please provide the information that was used to verify the charge in the amount of {$280.00} as authorized. This is a request for all documentation provided by the merchant.

Company response to consumer: Closed with explanation