vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 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: VA

Complaint narrative:
When I investigated my credit report, I realized that some of the accounts was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
RE : Unauthorized Accounts/Inquires To Whom It May Concern : I recently reviewed my credit report and found unauthorized Accounts/Inquiries that are attached to this letter. 

I disputed these accounts on XXXX they came off due to violations listed on the bottom of this page. I would like to see the same for XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Card Services I have these three negative accounts on all three credit Bureaus. I've disputed an account from Toyota motor services & two accounts from XXXX XXXX 


XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) I have inquiries from on my credit report that did NOT get my written instructions & I have the right to privacy and confidentiality under 15 USC 1681. 

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.

Account # 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 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 2023-01-04 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:
VARIOUS FINANCIAL INSTITUTIONS, SHARING MY PERSONAL INFORMATION WITH 3RD PARTY AFFILIATED AND NON AFFILIATED ENTITIES!! 21 INQUIRIES WHICH AGAIN VIOLATED MY PERSONAL INFORMATION PAYMENT HISTORY AND ANYTHING TO DO WITH ME PERSONALLY! @!

15 USC 6802 A, B, C,

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 2023-01-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy. 15 USC 1681 604 ( a ) section 2 also states a consumer agency can not furnish an account 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 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This account is not mine they will not send original contract with accurate information that has my correct information. I've disputed this 5 times and they will not remove it from all 3 credit reports Completed Disputes XXXX Jefferson capital syst XXXX XXXX XXXX XXXX Jefferson capital syst 1 more..XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 more... 
Keep your info safe from identity theft Take the next step and protect your personal info from identity theft. We'll search the dark web and people finder sites for your info and help you remove it. 
XXXX XXXX Protect my info XXXX Date Generated XX/XX/XXXX JEFFERSON CAPITAL SYST Account Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$910.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$910.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$910.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX Collection Payment history guide Collection as of XXXX XXXX Historical info Original creditor XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid off the loan and credit bureaus continue to show a past due amount. I've filed a dispute with the credit bureau ( Equifax ) disputing the incorrect account information. Equifax closed my dispute within 3 days without verifying with creditor. I've submitted a second dispute providing Equifax with a recent letter from the creditor showing the account has a XXXX XXXX. Equifax still refuses to correct the erroneous data on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: IL

Complaint narrative:
At some point this has to stop. Im a hard working individual thats working and trying to take card of my debt in order to buy a house. And under 15 USC 1681 I have right that gets over look by these companies over and over again and this is where it stops. 

XXXX, XXXX XXXX, and experian are all govern by 15 USC 1681. And theyve repeatedly violated my rights numerous of times. I demand for these accounts to be remove listed below, because according to 15 USC 1681 section 602 ( A ) I have the right to privacy and I have not given again XXXX, XXXX XXXX, or experian and written permission to furnish these accounts. 

I have also went over all of my credit report again with all 3 companies, and the information is still inaccurate I will not be going over it again. I will be seeking payment and have proof that the information with all 3 companies are completely different. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act the account listed 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 an account without my written instructions. 

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

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 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/21 I tried two atm transactions for come the sun didnt dispense my money. I filled a dispute with the atm to no avail after a year of back and forth. I finally filled a dispute with chime and they denied me the provisional credit while they investigate for 45 days which us very unfair and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
I became aware of unauthorized transactions against my CHIME Checking Account associated with a VISA Debit Card. These charges were reported to CHIME on XX/XX/2023. CHIME was asked to file a Fraud Case. I verified my identity and I had my old card deactivated. 

CHIME was sent the Supporting Documents to back my fraud case on XX/XX/2023. CHIME was also called by phone, I requested a member of management of the Disputes Department in which I never was able to speak with management.

I have provided more than enough compelling evidence to back my claims. I also feel CHIME has ignored my docs, and my verbal request for management. 

I want my case reopened, I want this escalated and I want my evidence reviewed again. 

These charges are from out of the country and appear to be from an online account that was NEVER set up by me nor was the account ever activated and or verified. Funds should have never been taken without Account Verification and or without Identity Verification. 

Amounts withdrew fraudulently on XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: IL

Complaint narrative:
This account is not my account and Have been trying to dispute it to get it off my credit report and they have yet to fix it. There is a balance on there that is certainly not mine, there is no accurate account number to dispute and I have never been to this place. 

XXXX XXXX XXXX XXXX for XXXXXXXX XXXX  Incomplete account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting since - XX/XX/XXXX Last report - XX/XX/XXXX in the amount of - {$120.00} Company contact info - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy. 15 USC 1681 604 ( a ) section 2 also states a consumer agency can not furnish an account 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 non-monetary relief
Consumer complaint received 2023-01-04 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy. 15 USC 1681 604 ( a ) section 2 also states a consumer agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: MI

Complaint narrative:
Im victim of identity theft the thieves rented an apartment with my documents. I already disputed the account with equifax and the company reporting the balance. I already provided police report and identity theft report. But they dont close the account and results of investigation is the item belongs to you I dont know what else to do. To proof that I have been victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Afternoon of XX/XX/XXXX XXXX at Select Portfolio Servicing required I fax my bank statement to prove mortgage payments for the month of XX/XX/XXXX. 
Paper checks were either lost or delayed from initial mailing XXXX. 
Faxed XXXX XXXX XXXX to Cashiering subject : Missing Payment Research to XXXX XXXX XXXX. 
Dollar amounts of checks are {$1200.00} and {$1000.00} both posted previous day on XX/XX/XXXX but system didn't update until XX/XX/XXXX. 

On XX/XX/XXXX I spoke with XXXX at XXXX and XXXX ( supervisor ) x XXXX to complain about why Cashiering department has also lost bank statement itself! 

I spoke with XXXX and XXXX in loss mitigation for 34 min on XXXX XXXX XXXX and an hour and 16 min on XXXX XXXX XXXX again complaining why Select Portfolio Servicing lost my bank statement after both mortgage payments finally posted XXXX XXXX XXXX. 

I also spoke with XXXXi Supervisor in Loss Mitigation since I as a customer am not allowed to speak to Cashiering department.

I believe Select Portfolio Servicing never lost my bank statement and claiming XX/XX/XXXX mortgage payments not received was a ruse to acquire my bank statement to gain leverage over my confidential financial information. 
Select Portfolio Servicing is attempting to renege on my low interest loans 3.375 % and 3.875 % through foreclosure in XXXX. My payments are not late nor lost. 

To be clear each page of fax spelled out loan numbers ATTN : Missing Payment Research

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: IL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was notified by the credit bureaus that several medical bills were added to my credit file. I did not give written consent for this. My HIPAA rights have been violated as I know that I was being seen for mental health issues due to COVID pandemic, I had insurance and now I am being violated and my personal health information isn't secure. I have already tried to advise the burueas of being a previous victim of identify theft and this needed to be resolved as I have been made aware this is legally my right. The following laws have been violated Privacy Act of 1974, as amended, 5 U.S.C. 552a, 1681. Congressional findings and statement of purpose, The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692. 
The Hospital facility that violated my rights are and the agencies they sold my XXXX to are : 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. ) There are six ( 6 ) different accounts all with the same name and collection agency but all different dates and amounts on all three ( 3 ) credit bureaus. This is higly alarming and completely inaccurate in additional to a huge violation of my HIPAA rights. XXXX XXXX XXXX and the agency they sold it to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. ) XXXX XXXX and the agency they sold it to is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
XXXX make it clear I have a right to XXXX as a federally protected XXXX. Under the FCRA you can't report late payment.

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 2023-01-04 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: NY

Complaint narrative:
The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
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

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief