vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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: NJ

Complaint narrative:
My rights have been violated by XXXX Equifax and XXXX. I sent a formal complaint of them reporting inaccurate and incomplete credit information on my report. Below is the information on my credit profile that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report published. I've decided to file a complaint with the FTC and the CFPB. Wenger v. TransUnion Corp., No 95-6445 ( C.D.Cal Nov. 14,1995 ), you may be liable for your willful non-compliance, Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be investigated, I respectfully request to be provided proof of these alleged items, the original application, contract, note or other instrument bearing my signature. Failing to do so, items must be deleted from report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation. Please be advised that the description of the procedure used to determine the accuracy of and completeness of the information is here by requested as well. Please provide the information within 15 days. The credit bureaus is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior and I was not. As the original creditor, only I can validate this debt and I did not validate this debt. Therefore the following accounts must be deleted from my report. 

Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-05-01 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: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account opened XX/XX/XXXX and XX/XX/XXXX, has violated My rights 15 USC 1681 Failure to report complete and accurate information. In XXXX XXXX Equifax XXXX all reported that I had a past due balance on a charged off account which is incomplete and in accurate and in violation of 15 usc 1681. Both. XXXX and Equifax show payment history mean while XXXX shows no history which is also inaccurate and complete which is in violation of 15 usc 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXXr Account opened XX/XX/XXXX and XX/XX/XXXX, has violated My rights 15 USC 1681 Failure to report complete and accurate information. In XXXX Experian XXXX XXXX all reported that I had a past due balance on a charged off account which is incomplete and in accurate and in violation of 15 usc 1681. Both. Experian and XXXX show payment history mean while XXXX shows no history which is also inaccurate and complete which is in violation of 15 usc 1681

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 2023-05-01 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-05-01 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I already submitted a complain in which PORTFOLIO RECOVERY ASSOCIATES stated that they would remove the debt, in which they did from XXXX but not XXXX. Please remove this debt thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: OR

Complaint narrative:
XXXX and equifax are still reporting too collection accounts XXXX XXXX and XXXX XXXX XXXX that XXXX could not verify and has already deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a copy of my consumer report and found the following items to be in error, inaccurate, invalided and false : I'm a single mother and my consumer report is vital to my livelihood. These inaccurate accounts are causing me XXXX and stress and prohibiting me from receiving a good job to feed my family. 

1. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 2. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX I 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 13. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 15. The inquiry was not authorized # XXXX XXXX I Date of inquiry : XX/XX/XXXX Delete from consumer report 16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 17. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 19. Under XXXX XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account is in violation of not reporting XXXX accurately. 
XXXX Account Number : XXXX Delete from consumer report 20. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX XXXX Account Number : XXXX Delete from consumer report 21. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX Account Number : XXXX Delete from consumer 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 2023-05-01 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: Aldous & Associates, PLLC
State: FL

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 explanation
Consumer complaint received 2023-05-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Incorrect addresses Incorrect names Unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! XXXX ( original Creditor : 09 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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout 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 explanation
Consumer complaint received 2023-05-01 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated me 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 15 U.S.C. section 602A states I have a right to privacy.

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

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 explanation
Consumer complaint received 2023-05-01 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: NJ

Complaint narrative:
I checked my credit report there are lots of accounts I did not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted the credit bureau about an collection account on my report that shouldn't be there. I asked them to validate it, but they failed to do so and they have not handled this process according to the FCRA in terms of their lack of investigation and untimely response. I am frustrated dealing with this because it should have been resolved by now.

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 2023-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Over the course of a couple of years, varied amounts of money were removed from our Bank of America checking account without our authorization. These amounts were transferred to entities who were unknown to us. For the year prior to discovering and reporting these fraudulent withdrawals, XX/XX/XXXX to XX/XX/XXXX, {$38000.00} was stolen. This account has been closed. 
{$27000.00} was returned to our new account by Bank of America. Of the total amount, stolen during the year prior to reporting, {$11000.00} has yet to be returned to us for this one year period. Bank of America informs us that most of these were transferred to XXXX bank, and that they will not compensate us for this loss. 
In addition, beginning XX/XX/XXXX and prior to XX/XX/XXXX, approximately {$17000.00} in additional funds were stolen from our account and transferred to multiple entities unknown to us. 
The total amount Bank of America has not returned to us is roughly {$28000.00}.

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 explanation
Consumer complaint received 2023-05-01 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: ND

Complaint narrative:
Trans Union is reporting an inaccurate and inconsistent information in my credit report. I have disputed the inaccuracy on many occasions but Trans Union simply send me a letter that states account verified as accurate without providing me with the description of the procedure used to determine the accuracy and completeness of the information contained in my credit report as required by the FCRA. 
I have requested the description of the procedure used to determine the accuracy of this account from Trans Union on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but have not received anything back at the time of filing this complaint. 
Trans Union is therefore in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which states : a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available

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 2023-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
A car loan was taken out in my name. Car was returned after 2 days. The company threatened to call cops on me. They went back on the loan. I do not have the car. It happened in 2016. The company is called Credit Acceptance.

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 2023-05-01 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: MS

Complaint narrative:
This is in regards to XXXX XXXX. I am writing this to appeal to the cfpb to review my evidence across 2 bureaus where this is reported. " What in Tarnations is this ''. I can't count how many times this account has been changed and manipulated. now that I am reviewing this, they have a charge offs on one date where an on time payment has been reported, payment dates don't match up, on time payments not reported at all. and saying this account is charged off and not paid. for example. in one report it actually says date of last payment in XXXX XXXX XX/XX/2020 and at the same time have a charge off for those dates. totally crazy. im telling you everything about this account is wrong and scrambled. please let me know if you can't read my documents. i never had those missed payments or charge offs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Fuel Capital Group
State: TX

Complaint narrative:
I would like to file a complaint towards Strick Acceptance, I have informed them multiple times and have been making monthly installments to try and bring account current. However XXXX XXXX is harassing me, calling me five times a day from their business number and calling me private. When I asked to be placed on do not call list, the agent then refused to do so. I then asked for a manager or someone above him due to XXXX not wanting to work with me. He then stated he will not get me to anyone and wished me luck on trying to get someone else to talk to. I have been recieving phone calls 4-6 times a day since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony bank and citi bank and also XXXX XXXX offer credit to someone else using my social security number I have never had credit with these creditors and also XXXX XXXX and XXXX need to remove all negative inquiries off my report I did not authorize anyone to apply for credit in my 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 non-monetary relief