vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I was looking to move into a new apartment then I went ahead and had a look at my credit report and I noticed I have 2 collections both from charter communications. The first balance I noticed was for the amount of {$510.00} posted to XXXX, XXXX, and XXXX. and another 2nd account posted to my XXXX credit report. 

Note that I did not authorize or consent to any contractual agreement with Charter Communications ( spectrum ) and I have no contractual obligation to pay the current creditor of this debt CBE Group. 

This is careless misuse of my personal information and I did not consent to have this data furnished as per FCRA 15 USC 1681 a " 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 '' I demand that these accounts be removed from my credit reports. 

Failure to respond within 30 days of receipt of this complaint may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : -Defamation -Negligent Enablement of Identity Fraud -Violation of the fair debt collection practices ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I will also file a complaint to my district attorney, XXXX. 

Below I attached a FTC complaint regarding this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: GA

Complaint narrative:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : XXXX XXXX, XXXX XXXX : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: GA

Complaint narrative:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : XXXX XXXX, XXXX  XXXX : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I called XXXX XXXX XXXX to tell them that they are reporting wrongful information on my credit, that I owe a debt for an eviction to a place that I have never lived or leased or rent. Someone used my information to apply and they got evicted now its on my credit and I can not get any where to live and I can not get any approvals for any car or apartments because of this wrongful credit reporting on my score, they never sent me any letters and have not contacted me since XX/XX/2023 but its sitting on my credit saying that Ive been evicted and the apartment complex has no records of me ever living there. But they sold the debt to a collector and now its reporting on my credit with a large balance

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 2023-06-21 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:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Other FCRA laws I have found to be violated : 15 USC 1681e ( b ) 15 USC 1692c 15 USC 1692j 15 USC 1681a ( 2 ) ( b ) 2021 IRS Publication 4681 15 USC 1666b 15 USC 1681a ( 2 ) ( a ) ( i )

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 2023-06-21 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: MS

Complaint narrative:
I went to XXXX XXXX XXXX store for a hotspot. The agent told me 3 times my services would be {$12.00} a month. I asked her 3 times, are you sure? Her response was yes. Another agent looked at me, rolled her eyes and walked away. I did not receive a copy of any kind of contract at the store. 
My first bill was over {$400.00}. When I called, emailed, texted I was never able to get the same answer. 
I returned the hotspot by XXXX, and I have receipt. 
I spent hours on the phone and was transferred too many times, but I hung on the phone for about two hours. And never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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:
My closed XXXX installment credit account shows incorrect information listed. This ACCOUNT shows incorrect / unauthorized charges added. Also, it shows that it's CHARGED OFF. please can you help me REMOVE this account from my CREDIT REPORT Thanks, 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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-06-21 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-21 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
My NAME is XXXX XXXX XXXX. 

According to Early Warning System : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, These accounts are not mine. this is fraud please delete. 


Please DELETE all other names as they do not belong to me. The following addresses do NOT belong to me, please delete them ASAP : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please ALSO delete : Phone Numbers : XXXX ; XXXX ; Also please delete the following inquiries that do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A PART OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Billing XXXX XXXX NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: PA

Complaint narrative:
Made all payments up to XX/XX/ on there web site has if you want to change the due date change it which I thought was XX/XX/XXXX week later get notice that XXXXm past due on XX/XX/XXXX made 2 call both people it will be corrected on line the web site still has me past do 20 days, before I got a chance to call they called me about my past do when I had to stay on the phone for 30 minutes he tell me he would take care of it 1st to tell any problems I will call you back, no call back received my last call XX/XX/XXXX telling me Im 27 days past do go threw the same spill after being on hold for awhile he comes back on says because I changed the date to 7 days later I got to pay 1 full payment Im on fixed income the reason I tried to change the date to plus XXXX because my SS for the most part in the XXXX of the month, going back on the 1st call I did ask them switch it back to the XXXX of the month no where on their web site says anything about additional money for changing the date. Payments 100 percent on time and this company so unprofessional and its my fault because I changed a date and charge me XXXX some dollars to do it, Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc.
State: CT

Complaint narrative:
Please read the attached letter regarding a collection for {$280.00} erroneously reported on my credit report without proper notification and validation from a company Amsher Collection Services Inc. This reporting has negatively impacted my personal credit. 

I have disputed this reporting with the Credit Bureaus, XXXX, XXXX and XXXX. XXXX has removed this reporting. I have not had a satisfactory response with XXXX or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Card Receivables Fund Incorporated
State: NJ

Complaint narrative:
I dispute this amount sought and debt in the entirety. XXXX and XXXX  has been harassing me for over twenty years now and this shenanigans need to stop. Theyre abusing the courts and using scare tactics against XXXX XXXX people. Ive been a XXXX member since 2018 and they did not authorize XXXX and a XXXX to collect any debt on their behalf. 
XXXX and XXXX can not validate the debt that they are suing me for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I used my Capital One card for three separate transactions to book a trip through a company called XXXX XXXX XXXX. XXXX XXXX XXXX is a travel company that offered all-inclusive guided tour vacations, and I used them previously for a successful and enjoyable trip. I met several people on that trip that booked subsequent trips with XXXX XXXX XXXX. 

XXXX XXXX XXXX collected customers ' money for the past several years then delayed the travel due to XXXX, and in XX/XX/2022 they sent an email that they are closing and keeping everyone 's money. I immediately filed disputes with Capital One to get my money back since the trips I paid for did not take place, and Capital One denied my disputes and said too much time had passed since the transaction to get a refund, despite the fact that I did not and will never be receiving the items I paid for ( my two trips ). 

I am now out of options as XXXX XXXX XXXX has liquidated and indicated they have no funds to pay their customers back. I have stated this to Capital One and even sent their CEO an email with my supporting documents, only to be told " No '' yet again. So much for consumer protection. This is my last option to get my money back, and it's a little less than {$2000.00} that I am owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX account numbers XXXX and XXXX, 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 : This also states that 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 2023-06-21 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX account numbers XXXX and XXXX, 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 : This also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief