vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting and disclosure to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately and completely, I WILL FILE FOR LITIGATION.

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 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: TX

Complaint narrative:
Few days back, I received a call from Alliance One that I have some debt from XXXX? 
There is a FCC dispute being filed that XXXX is charging me for full month of service even when the phone was disconnected with a week. There were no signals. XXXX never provided any response for this FCC complaint. Instead they sent it for collections for unaccounted money without any explanation. 
I asked this Company, Alliance One, to send me the specific details but till now no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681.Account names XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time the account was opened. I am a 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 an 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 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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: FORD MOTOR CREDIT CO.
State: MA

Complaint narrative:
I reported about my ford company and how it got dismissed in court on a joint account and they kept flagging for more money XXXX dollars that wasnt my fault first time in XXXX district court years ago then by the time it grow to XXXX and I went to court a2nd time but XXXX district court and finally got dismissed and still on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: SC

Complaint narrative:
I have notified Republic Finance in XXXX multiple times since the beginning of XXXX that I have retained an attorney to file bankruptcy. They continue calling multiple times each week and when I call and give my attorney name, address and phone number the information is taken again. On XX/XX/XXXX I received a right to cure letter and I called again on XX/XX/XXXX and informed them once again I have retained an attorney for bankruptcy and provided her information. Today I have a message on my cell phone from the same individual I spoke with on the XXXX. I am asking that my attorney be contacted and if her information still is not notated in their system I will provide it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I DON'T HAVE ANY REPOSESSION ON MY ACCOUNT PLEASE UPDATE IT AND REMOVE IT TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have made multiple transfers from XXXX to my US Bank checking account using both 1-3 day delivery and instant transfer with no issues. However, I made an instant transfer of the balance of my XXXX to US Bank on XX/XX/2023. The transfer was initiated at XXXX XXXX  and showed as completed at XXXX XXXX. The funds were never credited to my US Bank account. I filed a Reg E dispute claim for the missing deposit and received a denial letter on the 10th business day by mail. I had already contacted XXXX and was provided a tracing number for the bank-to-bank Real-Time Payment network transfer of {$290.00} XXXX XXXX ) as this is not considered an ACH transfer. US Bank has done nothing to attempt to locate where the funds went or credit my account. This information was provided to them when I filed my dispute for the missing deposit. The OCC states the issue does not fall under its jurisdiction and referred me to the CFPB. It is frustrating that is has been 2 months and the bank nor the regulator want to performance their due diligence in resolving the issue. The funds did not just disappear.

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 2023-05-23 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:
I want to dispute these accounts and inquiries because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681.Account names XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
My name is XXXX XXXX there's a Chase Amazon credit card in I, and my father 's name XXXX XXXX. The card was closed by chase due to idenity theft they said. I paid the card off so they're wouldn't be a strain on our consumer reports, as chase was working to verify the validity of the card the account etc, and/or negated to close the account. I continued to pay the card from my own person bank accounts. Chase finally closed the card. I paid if the card completely and they're still coming after me for XXXX an amount they said I didn't owe and that we were not responsible for as the card was closed for to idenity theft. Well chase bank is still trying to draft this money from us and is reporting this information on our consumer reports. I think I deserve a refund if they've finally come to the conclusion that the account should be closed due to idenity theft, we should be responsible, for nothing of the charges, correct. Clearly they have my banking information with XXXX XXXX XXXX  bc they've tried to draft my checking account today. I think I should be due a full refund for all payments made as well as this information immediately removed from our consumer reports. I think this is an atrocity, a crime against the elderly, a violation of our rights, discrimination, is not factual in any way, which could violate federal and state laws such as Fact act violations, fcra, fdcpa, fcba violations. GLBA rights to privacy defamation of character If it's idenity theft return all of the money You've closed the account but are still trying to collect from a XXXX old man you deemed not responsible You've put it on our consumer reports I've paid over, {$2000.00} to keep this off of our consumer repays while you did your research and concluded idenity theft yet still coming after a XXXX XXXX old man. J.P. MORGAN CHASE YOU SHOULD BE ASHAMED OF YOURSELF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: LA

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
This company keeps calling me. First they were asking for some woman now this last time they asked for me. I have no business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: FL

Complaint narrative:
Im 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. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 

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 space 15 U.S.C.1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: NY

Complaint narrative:
XXXX and Transunion furnished my credit report without my consent and I tried contacting them and they do not know who I am, I gave them my social name and old address, my XXXX XXXX is still showing charge offs, they took my identity and furnished a credit report without my written consent.

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 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
After living in XXXX for 49 years, in XXXX of XXXX I moved to XXXX, XXXX. In setting up my house and services, I searched for a cable/internet provider in the area. After much research, there were only two providers for my neighborhood. XXXX XXXX XXXX and XXXX XXXX... I, against my better judgement from previous experiences, chose XXXX XXXX XXXX with their dish service. I engaged XXXX XXXX XXXX and they came out and installed the equipment. Within 3 days I knew this was a mistake and contacted XXXX XXXX XXXX and immediately canceled their service. In turn, I went to XXXX and sent back all of their equipment and was told that any service fees would be credited back. As you can XXXX, what I was told and what happened are two different things. XXXX XXXX XXXX has now discharged my debt to a collector and is now being reported on my credit report erroneously. I simply want this removed from my credit report and the balance to be cleared as it was originally promised. 

Update : as of last week, this debt was cancelled by the former collection agency per the complaint number below and has now been sold to another agency creating the same problems for me. 

XXXX complaint CLOSED Submitted STATUS Submitted to the CFPB on 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 explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received my disability check # XXXX the amount of {$3200.00} due to getting injured at work. This is a business check which is drafted from XXXX XXXX Bank. I also have direct deposit from my employer every 2 weeks, with the next XXXX being XX/XX/XXXX. I made a mobile deposit into my Chase Bank checking account on XX/XX/XXXX. After reviewing my account on XX/XX/XXXX, Chase shows my funds would be available on XX/XX/XXXX. I have bills I need to pay, this is not a personal check. Why is it that Chase Bank is taking 2 weeks to clear a business check?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: NY

Complaint narrative:
Unauthorized Inquires on my and XXXX credit report. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 2XXXX

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
on XX/XX/2023 i contact LEXINGTON LAW, looking for some help for try to improve my credit score. they told me that they can help me in this matter. they told me also that they can improve my credit score by XXXX to XXXX point in 60 days. the cost was {$130.00} and i need a credit card or debit for auto payment.. so, i enroll in the program. but after 5 month my credit score go down instead of improve. i look in my accont to see what are thy doing but almost i saw only, '' analizing, or waiting for respose, i paid arround XXXX dollars to see my credit going down. i try to cancel on XX/XX/2023 but they told me that i need to pay XXXX more to cancel. i just call my credit card bank to freeze my card to avoid more charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: MS

Complaint narrative:
i am a victim of identity theft and have seen items on my credit report that is not mine with XXXX XXXX XXXX and XXXX XXXX XXXX. i have filed a complaint with FTC for identity theft and need these items to be blocked per 15 usc 1681c-2. they are reporting on all 3 CRA 's i have attached documents below

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 2023-05-23 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I discovered I never received my title on a car purchased and paid off in XXXX. In addition, I learned Exeter XXXX reported me being late multiple times. I contacted Exeter and was told the payments werent 30 days late but there were late fees that were not paid. I disputed that I had acurred these charges. If I was never late on my actual car payments and paid the car off in XXXX how can Exeter report me being XXXX, XXXX, XXXX and 120 days late XXXX, XXXX, XXXX & XXXX of XXXX? And not release my title. Ive called several times and all they have said is they will send me the history. But this does not correct the issue on my credit report.

Company response to consumer: Closed with explanation