vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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: FL

Complaint narrative:
Ive formally contacted Equifax in regards to the unauthorized accounts listed on my credit report. In reference to their data sharing policy they have to have my consent to report anything on my credit report. I have made several attempts to remind you of your duty pursuant 15 1681. Under 15 USC 1681 A number 3 they did not have my consent or respected my rights to privacy. Under 15 USC 1681 Number 4 they did not exercise their grave responsibility, of being clear and concise they are being unfair and partial. Under 1681 b number 2 I never instructed you guys to furnish this report and never consented to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I was notified via XXXX  email alerts that there had been a hard inquiry made on my credit. I had not applied for any new lines of credit but saw that Midland Credit Management ( MCM ) had made a hard inquiry on XX/XX/2022. I called to dispute it but was told that there was a note on the file that only MCM could remove it from my file. When I contacted MCM directly, they said they do not report inquiries, which is just patently untrue as a rule because we all know that inquiries are reported and make everyone 's scores immediately drop. I am not sure why they are even poking around in my file at this time. They had been harassing me for years and there is even a cease and desist letter in their files that they referred to several times. I do not owe them any money and there is no record in any of the XXXX bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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: CA

Complaint narrative:
In according with the Fair Credit Responding Act XXXX XXXX XXXXXXXX XXXX account XXXX, ( XXXX XXXX ) has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In according with the Fair Credit Responding Act XXXX XXXX XXXXXXXX XXXX account XXXX, ( XXXX Equifax ) has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 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 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
The debt collection agency is Nationwide Credit in XXXX, VA. I am a XXXX XXXX for the XXXX XXXX XXXX XXXX ( XXXX ) system. They sent documentation to XXXX falsely misrepresenting themselves XXXX XXXX of XXXX, VA by placing information on County letterhead. They asked that the entire amount of {$1300.00} be deducted from my paycheck, for delinquent personal property taxes and fees in XXXX XXXX. The payroll supervisor did not honor the request for the entire amount, because my check was much less and he told them he can only take a percentage. He withheld {$200.00} on one check, dated XX/XX/XXXX and {$100.00} on a second check, dated XX/XX/XXXX. He stopped withholding funds after I brought to his attention that a garnishment has to come from the court. 

First of all, I was a resident of XXXX XXXX for 1XXXX years, not XXXX XXXX. Secondly, I do not know how they arrived at {$1300.00}. Their correspondence is on XXXX XXXX letterhead with their phone number. These deductions were quite shocking to me because I need all of my funds to live. On XX/XX/XXXX, I wrote a letter to NCC and had it notarized. The letter has been sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I was buying a product from someone on XXXX and they seemed totally normal. We agreed that I wouldn't pay them any money until they sent me a picture of the receipt, which they did. Once I saw the receipt, I sent the money through XXXX XXXX in my Banking app ). I transferred once for shipping and once for the product itself. 
{$120.00} to XXXX on XX/XX/2022 through XXXX for shipping {$300.00} to XXXX on XX/XX/2022 through XXXX as well The seller has changed their XXXX name and picture multiple times since the transaction Once they sent me a receipt and I payed them, my conscience kicked in and I researched the shipping company " XXXX XXXX XXXX XXXX and things seemed off, but very in depth. 

I confronted the seller, and they changed their name and photo after arguing in broken XXXX. 

XXXX hasn't helped at all, my bank hasn't done anything either, XXXX can't do anything. I've filed reports with my bank multiple times, and I even filed a report with the FBI, and I haven't even heard back from them. 

I can provide photos and more information upon request, but they all have personal information so I can not attach them on this page. 

Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX = XXXX FCRA Violation 15 U.S. Code 1681a ( 2 ) ( A ). Its wrong to report late payment. I was Never late in the year XXXX. This account has always been deferred/suspended. This is an error. XXXX also told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 120 days late. The credit bureaus keep changing late days without any notice from XXXX informing them to do so. You have FAILED to provide me any proof Ive asked for proving why you are reporting wrong information. What did XXXX send you??? If XXXX wont send you any information then you must correct it or delete it. 

XXXX. Once again provide the name, address and phone number of each person you spoke with that verified I submitted payments or remove all lates. 
XXXX. Once again provide all documents with dates from XXXX that these dates were not deferred or remove all lates. 
XXXX. Please send all bank transaction receipts records that show payments I supposedly paid in XXXX  or remove all lates. 
XXXX. Please also provide the loan amount statement receipts with dates I should have received on all the payments I supposedly made for XXXX  or remove all lates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX Balance {$2800.00} Original Creditor : Not Available XXXX Act. # XXXX Opened XXXX XXXX Reported Closed Condition XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX | XXXX XXXX Balance {$2800.00} Original Creditor : Not Available XXXX Act. # XXXX XXXX Opened XXXX Reported Unknown Condition These 2 collection companies which are the same company has violated my rights by posting verified results as they say which are not true after their investigation. Copies of docs. they have in possesion and will not acceptor verify. Copies attached. I would like all information removed immediately or I will take legal action. The State of Illinois has only a 30 day notice to be given to management. Notice was given XX/XX/2021 to Manager in letter form. Additional charges were added errouousily.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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: MD

Complaint narrative:
Experian is reporting XXXXXXXX XXXX XXXX XXXX XXXXXXXX Shows a balance of {$6800.00} Status is Account is charged off {$6800.00} " written off '' I do not have a contract with a signature with this creditor and asking for the removal. The amount showing as " balance '' is not accurate. In accordance with the Fair Credit Reporting, 15 U.S.C 1681 section 602 states I have rights to privacy.

15 U.S.C 1681 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 explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX originally serviced XXXX XXXX, i purchased a bed on a promotional plan last year in XX/XX/XXXX, i was told by XXXX that as long as my promotional balance was paid by XX/XX/XXXX i would not be charged any interest. shortly after charging at XXXX XXXX thru XXXX XXXX, XXXX XXXX went with capital one as their servicer. i learned today that captial one is not honoring the agreement i entered with XXXX XXXX XXXX and my payments will be applied to the highest interest rate as opposed to my promotional balance. i definitely need help as i spoke to a supervisor name XXXX id number XXXX on XX/XX/XXXX and she stated she was the highest that i could go and managers do not speak to customers. i paid {$320.00} several days ago and need it applied to my promotional

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: CO

Complaint narrative:
XXXX must remove the XX/XX/XXXX " XXXX  '' code from my Experian report. 

On XX/XX/XXXX, I spoke with Experian customer service, and they reported that XXXX is still reporting inaccurate information on my Experian credit report, in violation of the Fair Credit Reporting Act. 

On XX/XX/XXXX, XXXX submitted a resolution to Experian claiming that this account should be listed on my credit report as-is. No. This is wrong. 

The account was settled at {$0.00} on XX/XX/XXXX, yet Experian is still reporting that it was settled on XX/XX/XXXX. 

This is why the Payment History for this account on my Experian report is displaying a " XXXX '' code for XX/XX/XXXX, despite the fact that it was settled in XX/XX/XXXX. Why is your company continually choosing to break the law by reporting bad data? 

Under the Fair Credit Reporting Act, accounts that have been settled should no longer display any new payment history codes. Any payment codes posted after XX/XX/XXXX are considered re-aging the debt, a serious violation of the FCRA under Section 623 ( 5 ) ( A ).

As listed in my CFPB complaint -- and in several pieces of correspondence sent to XXXX  with full documentation via U.S. certified mail -- XXXX must remove the inaccurate " XXXX  '' code listed within the payment history for this account on my Experian credit report for XX/XX/XXXX. 

The issue reported in my CFPB complaint regarding my XXXX report has been fixed. Please do not modify any of the information listed on my XXXX credit report. 

Please also do not modify any information on my XXXX report. The information on both of these reports is now 100 % correct. Thank you. 

The only remaining issue is on my Experian report. 

I am simply asking for a single incorrect payment history code to be removed. Why choose to violate the FCRA instead of making this one simple change? 

I look forward to having this information rectified or deleted altogether. I trust that your company will do the right thing, or I will continue to pursue legal action as is my right under all applicable state and federal consumer credit reporting laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
On XXXX XXXXXXXX a credit card from Nordstrom/TD Bank USA was opened in my name with my social security number. On XX/XX/XXXX I noticed it on my report and I have notified Nordstrom, and the major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
their are 5 inquires on my report that are fraudulent. the inquires for transition are, ( XXXX XXXX ), ( XXXX XXXX ) and ( XXXX XXXX  ) the inquires for XXXX are, ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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:
In according with the Fair Credit Responding Act XXXX XXXX XXXXXXXX XXXX account XXXX, ( XXXX XXXX ) has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 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 explanation
Consumer complaint received 2022-08-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I unable to obtain a copy of my consumer report, I requested it three months ago, and still have not received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Giact Systems, LLC
State: PA

Complaint narrative:
I unable to obtain a copy of my consumer report, I requested it three months ago, and still have not received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I mailed a dispute letter to the address provided at https : //www.experian.com/blogs/ask-experian/credit-education/faqs/instructions-for-disputing-by-mail/ and it was received by them on XX/XX/22. After the 30 days had passed with no response, I called Experian. They told me the 30 days didn't count because I sent it to the wrong address. I said well i sent it to the address on your website, and he legit said the website is wrong. Than he hung up on me. So I called back, and spoke to a lady who again said the 30 days don't count but this time it was because I have to reach out to the people who did the inquiry. I explained I did so with no response, and that regardless, it was still Experian 's job to respond within 30 days which they did not. This is a violation of the FCRA and I DEMAND the disputed information be removed immediately.

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