vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has violated my consumer rights. They refuse to remove an XXXX  XXXX account from my consumer report even when I have made it clear again, that the date of last activity is wrong.

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 2021-10-03 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: VA

Complaint narrative:
Specifically, I have requested twice now that Equifax delete and remove the comments on all of my student loan accounts. There are about 12 accounts that currently read, account dispute resolved, consumer disagrees, or consumer disputes after resolution. None of these statements, nor any statements of the like are true and correct. I never agreed nor have I ever expressed any of these statements to any bureau about these accounts. I have requested on multiple occasions that these statements and any alike statements be removed from my accounts reported on my credit file with your bureau and as of the date of this letter it has not been corrected nor removed. I also attempted to dispute these accounts via phone and was given a dispute file number, ( XXXX ) which still failed to delete the comments. This is unacceptable and needs to be correct immediately or I will sue their XXXX in my local court and collect {$1000.00} for every account that you have refused to correct. 
Additionally, I am having the same issue with my discover card account number XXXX currently says that it is an open account with a balance of {$1000.00}. This is also incorrect and has not been updated since XX/XX/2021. Not to mention this account is a duplicate account. They are reporting this same account twice, refuse to update the balance and refuse to correct it in my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: PA

Complaint narrative:
Please help me with these accounts that are destroying my life. I am a victim of identity theft and when I was XXXX my identity was destroyed and when I came back I been fighting for my identity still to this day with the country I fought to protect for the last 20 years. I was asked to get a police report and a ftc report I obtain both and just seek some help on trying to build my new life back as a retired vet. thanks again

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 2021-10-03 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have recently applied for a mortgage loan and we denied it due to the fact that STATE EMPLOYEES CREDIT UNION continues to incorrectly report information to the credit bureaus. I filed a complaint with the CFPB before but all they did was XXXX  out the accounts on the report and listed them as paid. After doing this SECU turned around and started reporting to the credit bureaus that the same accounts are now in charge-off status. I have been proactive in my efforts to have this misinformation corrected but they continue to report it. I have reached out to my local SECU branch and asked for help. The lady XXXX was has been wonderful about trying to help me correct this error but unfortunately, she isn't over this department nor is this her job function. The feedback that i received from SECU was that yes they will continue to report this as a charge-off until the full years of 10 years which in their eyes is until 2024. In the state of NC only judgements can report to the credit bureaus for 10 years. These two accounts I'm speaking of have never had judgments filed on them or me for these accounts. As of now, these accounts are 9 years old and per NC state law these accounts should have been removed and or deleted from my credit report over 2 years ago. I have provided documentation to prove the age of accounts, status they have been moved to since the last complaint I have filed with the CFPB. I have requested in writing for SECU to immediately stop reporting these accounts to the credit bureaus and have them deleted to be in compliance with NC and federal state law. This request has been declined by them and I am asking for the CFPB to please have them delete these accounts as they are reporting them incorrectly and causing my family and I undo hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has violated my consumer rights. They will not remove a XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

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 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

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 2021-10-03 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:
1- Delete Unauthorized credit inquiry : I contacted Transunion in numerous occasions via certified mail to request that they conduct an investigation into an unauthorized inquiry from XXXX XXXX XXXX that I did not authorize. Transunion refused to investigate and allowing these inquiries to hindered my ability to obtain loans and other credit products. I am requesting to have the inquiry from XXXX XXXX XXXX deleted of my credit report 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 2021-10-03 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates LLC continue to send collection letters requesting {$1200.00}. Several dispute letters were mailed to this company requesting removal of in accuracies from my credit reports. The agency was advised that they were in violation of Fcra and Fdcpa. They were advised that to list information on credit reports was violation of my rights by reporting false inaccurate information by placing these false accounts on my consumer credit reports. the list collection that are reporting has not been opened by me and I have no knowledge of them. Please be advised that by law I have right to PRIVACY and the credit reporting agencies have violated it. The list of accused collection accounts and dates are Portfolio Recovery Associates LLC date XX/XX/21. By Law when an consumer starts a dispute with credit reporting agenices, the account the consumer is disputing must be deleted until further investigation. The credit reporting agencies as follow XXXX, XXXX, XXXX, and XXXX are currently in violation and has violated my rights under FCRA and FDCPA under code 15 U.S. Code {$1600.00}. I have sent letters to Portfolio Recovery requesting verification of account and I have requested them to send contract that authorizes them to collect money from me. The original debt was not with them and they are violating 1. 15 USC 1681 ( a ) ( 4 ) they have violated my right to privacy and per 15 USC 1681b, I did not give them written consent to furnish any information to anybody per 15 USC 1692 ( g )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has violated my consumer rights. They will not remove or fix a XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

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 2021-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
XX/XX/2021 to XX/XX/2021. 
{$5400.00} I contacted the company many times regarding this problem. I spoke with seven or more people at kia motors finance company, I was given difference answers that did not correct the problem. My monthly payment is {$540.00}, I paid {$900.00} and {$750.00} in XX/XX/2021 and {$750.00} XXXX in XX/XX/2021 to XX/XX/2021. The balance of the {$750.00} was not applied to my principal. It was very difficult to speak to a representative due to the automated system and disconnect end call.. I am very stressed and frustrated with this matter. I need my payments to be applied to my 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 explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. 
I have placed a security fraud alert on my SSN to avoid instances like these in the future.

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 2021-10-03 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: NY

Complaint narrative:
Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF.

I have placed a security fraud alert on my SSN to avoid instances like these in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: U.S. BANCORP
State: UT

Complaint narrative:
I have requested for some accounts be investigated and this investigation took well over 30 days, and is actually still in dispute.

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 2021-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I have been using western union for over 20 years western union block my account for no reason and requested that i appeal or write to them upon doing that they apologized after 45 days and alledged that my account have no problem that it has been all cleared i attempted to use it again i was block for nor reason hence the complaint because this a gross violation of my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: PA

Complaint narrative:
Please help me with these accounts that are destroying my life. I am a victim of identity theft and when I was XXXX my identity was destroyed and when I came back I been fighting for my identity still to this day with the country I fought to protect for the last 20 years. I was asked to get a police report and a ftc report I obtain both and just seek some help on trying to build my new life back as a retired vet. thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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:
1- Delete Unauthorized credit inquiry : I contacted Equifax in numerous occasions via certified mail to request that they conduct an investigation into an unauthorized inquiry from XXXX XXXX , XXXX and XXXX XXXX XXXX  that I did not authorize. Equifax refused to investigate and allowing these inquiries to hindered my ability to obtain loans and other credit products. I am requesting to have the inquiry from XXXX XXXX , XXXX and XXXX XXXX XXXX  deleted of my credit file now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. 

XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in XXXX & XXXX which is severely affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: GA

Complaint narrative:
The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. 

XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in XXXX & TransUnion which is severely affecting my scores.

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 2021-10-03 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: DISCOVER BANK
State: GA

Complaint narrative:
The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. 

XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in XXXX & XXXX which is severely affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: GA

Complaint narrative:
The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. 

XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in Experian & XXXX which is severely affecting my scores.

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 2021-10-03 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:
I recently checked all 3 of my credit reports and noticed that experian is the only bureau reporting a second adress on my report i understand the fcra that all information must be accurate. I have disputed this adress with them in the past and was told about an investigation that never returned with results.

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 2021-10-03 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:
TransUnion has violated my consumer rights. They will not remove or fix a XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

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 2021-10-03 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:
1- Delete Unauthorized credit inquiry : I contacted Experian in numerous occasions via certified mail to request that they conduct an investigation into an unauthorized inquiry from XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX that I did not authorize. Experian refused to investigate and allowing these inquiries to hindered my ability to obtain loans and other credit products. I am requesting to have the inquiries from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  deleted of my credit report 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 2021-10-03 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: MI

Complaint narrative:
writing to delete the following inaccurate, contradictory information in my file.. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated as you are going breaking multiple laws. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: GA

Complaint narrative:
XXXX XXXX continues to report that there is a balance due yet they have charged off this account. In addition ; the balance isn't correct.

Company response to consumer: Closed with explanation