vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-22 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: CA

Complaint narrative:
I recently sent two dispute letters to Experian in reference to inaccurate information. In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 ( A ) states : I have a right to privacy 15 U.S.C 1681 section 607 ( A ) ( B ) Every consumer reporting agency shall maintain reasonable accuracy of report 15 U.S.C 1681 section 611 ( 5 ) ( A ) ; Treatment of inaccurate or unverifiable information

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 2022-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GVA Holdings, LLC
State: SC

Complaint narrative:
I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

On XX/XX/2022, I received a phone call from a third party debt collection agency. The representative stated that this was an attempt to collect a debt on the behalf of the loan agency. I let the representative know that this account was in dispute, and that I was recording the conversation. The representative proceeded to hang up. 

I then sent a second letter of debt validation via certified mail on XX/XX/2022 requesting the same information from the third party debt collection company. I also gave this company the courtesy of a 30 day period to provide me in writing with validation of the alleged debt, a true bill of the alleged amount they say I owe them, and a completed corporate government employee questionnaire. 

In my letters for debt validation, I asked to be addressed only via mail in writing. The third party debt collection company completely ignored my request in my letter to not be contacted via email, phone, etc. Instead, I have received numerous emails from the third party collection company, which began on XX/XX/2022. 

The email sent to me on XX/XX/2022 stated that they had somehow finished processing my dispute, and that we have confirmed that you owe the ( alleged ) amount of {$680.00} '' with the original loan company. There was a link attached to this email that stated I could access my debt validation documentation here. The link took me to a screen that said We've verified that you owe this balance. The same page also stated that This concludes the dispute process.. There are 2 files on this screen, file 1 is very vague and only lists a principal amount, interest, fees, late charges, and a total balance. Nowhere on this screen does it indicate what this alleged debt is for, and to whom it is owed. Nowhere on this screen does it indicate that this debt belongs to me. This is not proof of VALIDATION of this alleged debt. The second file shows an alleged loan agreement, which does not satisfy my request for a TRUE BILL and validation of the alleged debt. 

The email sent to me on XX/XX/2022 states they are following up with the balance verification for my alleged account with the original loan company. 

I have received three more emails to the same effect, dated XX/XX/2022, XX/XX/2022, and most recently, XX/XX/2022. 

The third party debt collection company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The third party debt collection company continues to harass me via email every week, and the company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: FL

Complaint narrative:
This company has a collection on my credit report that's not mine and they refuse to delete or remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account below, 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 Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX First XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Credito XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account below, 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 Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2022-05-22 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:
On XX/XX/2022 an account with XXXX XXXX XXXX  was opened in my name. I noticed it on my credit report on XX/XX/2022. At the time my credit report showed that there was {$110.00} owed on the card. I immediately ( at XXXX XXXX on XX/XX/2022 ) called XXXX XXXX XXXX and reported it as fraud ( at this time the person on the other end told me that she couldn't find an account with my name and the last four digits of my social security number in their system ) and then filed a dispute with Experian. Last week I received an alert from Experian saying that my credit score had dropped and it was due to the fact that the card was now maxed out ( over {$700.00} owed ). I again called ( at XXXX XXXX  on XX/XX/2022 ) XXXX XXXX XXXX to report the account as fraudulent. This time the person on the other end confirmed that there was an account with my name and last four digits of mt social security number. The person confirmed that it will be reported as fraudulent. 
I just received a report from Experian saying that XXXX XXXX XXXX  has confirmed that the account is indeed mine and it will remain on my credit report. 
I never opened this 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 2022-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/21 {$500.00} reported fraud to Wells Fargo followed up with the bank and was told that I would not receive my money back but to make a police 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 explanation
Consumer complaint received 2022-05-22 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: FL

Complaint narrative:
Equifax, XXXX and XXXX has accounts on my credit report that they refuse to remove or delete. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: FL

Complaint narrative:
Experian has refused to remove an erroneous entry on my credit report. The debt is under legal dispute and between my attorneys and me 8 letters have been sent to Experian dating back several months. We began by sending this to all three bureaus and Experian is the one bureau that simply refuses to remove the entry. We have cited which violation the creditor is guilty of violating and they still refuse to remove it. As a matter of fact, within the receipt of the letters, they sent me a letter confirming that they refuse to even investigate the matter further. The letter stated that they refuse to investigate a dispute they already investigated. In one of my many letters, I even asked for them to provide exact details for how they confirmed the entry considering the other two bureaus never gave me this type of trouble. At this point, it appears they are more interested in hurting my credit than making sure they are reporting it accurately.

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 2022-05-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my Rights. 

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 U. S. C. 1681 section 602A -- -- states I have a right to privacy. 
15 U.S.C. 1681 section 604A section 2 -- -- States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my Rights. 

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 15 U. S. C. 1681 section 602A -- -- states I have a right to privacy. 
15 U.S.C. 1681 section 604A section 2 -- -- States a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22 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: FL

Complaint narrative:
XXXX, Transunion and XXXX has accounts on my credit report that they refuse to remove or delete. The following accounts are not mine : 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 non-monetary relief
Consumer complaint received 2022-05-22 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: FL

Complaint narrative:
XXXX, XXXX and Experian has accounts on my credit report that they refuse to remove or delete. The following accounts are not mine : 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 non-monetary relief
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
Moneylion was to good to be true and I seen this ad on XXXX advertisement and fell victim to this misleading company and when I signed up and then quickly realized after the fact I didnt want to use this after the fact I read small fine print I tried to cancel this whole pyramid scheme. There are plenty more customers out there that fell victim and customer service is non existent and when you do get ahold of someone they tell you well you signed an agreement. Well its supposed to help your credit but they never lend you any money that you dont pay into it. So I tried. To cancel this companys preying on vulnerability people through Covid times on top of me already had filed bankruptcy and now they say I owe over a XXXX bucks and its now in collections when they never gave me a dollar at all. They just kept my money I paid monthly into this pot and after 12 months I get my own money I paid into every month. But they say since I didnt finish my term of me paying every month into this money pool thAt now I even owe more money. What about the two months I already paid into it for? Do they just keep it and still charge me cause I never finished the term? They never gave me a dime so how could this be a negative account on my credit! Can someone explain how this company operates legally?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Im concerned about my credit report with equivalent.Ive tried multiple times to pull my score and was finally informed I have nothing that really scared me I have several trace lines and an exceptional payment history which I would love to show on my profile. Im therefore requesting that equifax there records so that their systems will show a credit score to potential lenders thanks Ive attached photos that show accounts that should show % I also am a authorized account XXXX for XXXX XXXX account # XXXX XXXX  said to notify equifax as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I filed suit due to an accident my daughter had when she was young. I won the case and the insurance company issued a check in the amount of {$7200.00}. The check was deposited at Chase Bank on XX/XX/2009. We contacted the bank so we can withdraw the money and they advised the account could not be located. The bank is JP Morgan chase located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The account that was opened was a XXXX XXXXXXXX XXXX XXXX XXXX  Since then I have paid my daughter with interest as she needed to pay for school and rent. I would like access to this account immediately as I am trying to purchase a home. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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:
First and foremost let me say that this is not a complaint or an attempt to bash transunion they have been very helpful and supportive to me in the process of resolving this issue Ive had with my credit Im sending this letter however because theres an account from XXXX XXXX  that remains on my credit report that does not belong to me I assumed that it was perhaps an oversight by the review team. There is an account for XXXX XXXX XXXX showing as well I am therefore requesting the move of this account this account does not belong to me this account has already been removed from XXXX profile records so Im puzzled as to why is the reporting on Transunion if you can help me I would really appreciate it thanks

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 2022-05-22 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: MI

Complaint narrative:
Please be advised this is my SECOND FORMAl REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 

Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX  Account XXXX. XXXX XXXX XXXX in XXXX of 2021. The payment was never late. It also is listed in a period the was protected by CARES Act which is a violation of federal law. Which will reported to the FTC if the late payment is not removed immediately. 
Provide physical verification from creditor or delete XXXX. XXXX XXXX Account XXXX XXXXChargeoff/Collection-Account not mine Provide physical verification from creditor or delete Thank you for your prompt assistance in this matter.

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 2022-05-22 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: CA

Complaint narrative:
I recently sent two dispute letters to XXXX in reference to inaccurate information. In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 ( A ) states : I have a right to privacy 15 U.S.C 1681 section 607 ( A ) ( B ) Every consumer reporting agency shall maintain reasonable accuracy of report 15 U.S.C 1681 section 611 ( 5 ) ( A ) ; Treatment of inaccurate or unverifiable information

Company response to consumer: Closed with explanation