vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 agen

cy 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 non-monetary relief
Consumer complaint received 2023-06-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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:
ON XX/XX/2023, I XXXX XXXX, FILED A COMPLAINT AGAINST " XXXX '' VIA THE CFPB PORTAL BECAUSE THEY WERE INACCURATELY REPORTING DEBTS ON MY CREDIT REPORT. FIRST AND FOREMOST IN MY INITIAL COMPLAINT I STATED THAT THE DEBTS WERE CREATED FRAUDULENTLY. I WAS A VICTIM OF AGGRESSIVE IDENTITY THEFT. SECONDLY, THEY WEREN'T REPORTING ACCURATELY AND RESULTED IN " DOUBLE JEOPARDY ''. XXXX FAILED TO REPORT TO EXPERIAN THAT THE DEBT WAS SOLD TO " XXXX XXXX XXXX ''. THERE IS A SECTION ON THE CREDIT REPORT FOR THIS. INSTEAD OF EITHER REMOVING ALL OF THEIR TRADELINE 'S FROM MY REPORT OR CHANGING THE BALANCES OWED TO " 0 ''/ SOLD TO ANOTHER COMPANY/LISTING THE COMPANY ; BOTH COMPANIES " EXPERIAN '' AND " XXXX XXXX XXXX XXXX REPORTED THE DEBTS ALLEGEDLY OWED AT THE SAME TIME HURTING MY CREDIT EVEN MORE THAN PREVIOUSLY. I, ALSO TRIED RESOLVING THIS ISSUE OVER THE PHONE AND VIA EMAIL WITH XXXX AND TO NO AVAIL THERE ARE STILL TWO OF THEIR TRADELINES INACCURATELY REPORTING TO MY EXPERIAN CREDIT REPORT EVEN AFTER THEY AGREED TO REMOVE THEM. NOW AS OF XX/XX/2023 EXPERIANXXXX  IS REPORTING Account number XXXX WITH A BALANCE OF {$390.00} AND Account number XXXX WITH A BALANCE OF {$1300.00} AND THE STATUS REPORTS AS " Collection account/Never late. '' {$1300.00} past due as of XX/XX/2023. THAT ALONE DOESN'T EVEN MAKE SENSE! XXXX HAS HAD MANY ATTEMPTS TO FIX SEVERAL ISSUES IN THIS SITUATION AND HAS FAILED TO DO SO. 1. THE ACCOUNTS ARE FRAUDULENT 2. THE REPORTING IS INACCURATE IE : THE STATUS/BALANCE OF THESE ACCOUNTS DO NOT REFLECT THAT THE DEBTS ARE NO LONGER OWED BY XXXX. 3. XXXX PREVIOUSLY LIED TO THE CFPB STATING THAT ALL ACCOUNTS WOULD BE REMOVED AND THEY WEREN'T. I PLAN TO SEEK LEGAL REMEDY AGAINST XXXX IS THIS ISSUE IS NOT RESOLVED IN A TIMELY MANNER. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE, MY FTC AFFIDAVIT, AND A RECENT COPY OF MY EXPERIAN CREDIT 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 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
Subject : Complaint against Fortiva Retail Credit for Harassment and Unfair Practices Dear XXXX XXXX I am writing to bring a serious matter to your attention regarding the harassing tactics and unfair practices employed by Fortiva Retail Credit . I kindly request your assistance in resolving this issue and putting an end to their unacceptable behavior. 
On XX/XX/2023, I made a purchase at XXXX 's using a Fortiva account that was opened by a representative from XXXX 's. The item I purchased amounted to {$42.00}, which I promptly paid off before the due date. However, a few weeks later, I received a call from a Fortiva representative claiming that I owed membership fees and late fees. I was taken aback by this information, as XXXX 's had not informed me about any membership fees associated with the account. Nevertheless, I agreed to pay the membership fees but requested that the late fees be waived. The Fortiva representative assured me that the late fees would be waived, and I made the payment online as agreed, three days later. 
I believed the matter had been resolved satisfactorily, but to my dismay, I continued to receive subsequent bills indicating additional late fees. When I contacted Fortiva to rectify the issue, another representative informed me that the late fees could not be waived because I had not called a representative to make the payment. I explained to them that the previous representative had failed to provide me with this information, and I should not be held responsible for their inadequate communication. Despite my explanations, Fortiva continues to add more late fees to the membership fees that I have already paid. 
I am seeking your assistance in resolving this matter promptly. I find it grossly unfair that Fortiva is abusing its power and attempting to coerce me into paying additional sums of money when the original amount owed was paid on time. According to Fortiva 's own rules, no interest should be applicable when the full amount is paid within 12 months. Therefore, their ongoing imposition of late fees on the already paid membership fees is highly unjust. 
I kindly request that you investigate this issue and take appropriate action against Fortiva Retail Credit to rectify their unfair practices. I believe it is crucial to hold companies accountable for their actions, ensuring consumer protection and safeguarding the rights of individuals like myself. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this dispute. 
Yours sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax and XXXX are not reporting XXXX student loan accounts despite account information being furnished to them by the servicer on XX/XX/31. XXXX has already reported them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX and Experian are not reporting XXXX student loan accounts despite account information being furnished to them by the servicer on XX/XX/31. XXXX has already reported them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist bank held my insurance check for seven days after I made the deposit into my account. The date of the deposit was XX/XX/XXXX. The contractor ( XXXX XXXX XXXX ) has been waiting for the payment since XXXX XXXXTruist bank cashed my deposit check and place the funds in the hands of the branch manager ( XXXX XXXX ) she signed the check and cashed it, then sent the monies back to the blanket company ( XXXX  ) to reissue the check. The payment is not found.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account numberXXXX  Account name:XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Every single cashapp transaction ended up being for a scam. Not only did they nor reimburse me, they wouldn't even give info on the people who did it, which I need for police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I just checked my credit report and Experian is allowing XXXX XXXX XXXX to use XXXX XXXX XXXX XXXX AS AN ORIGINAL CREDITOR. THAT IS INACCURATE INFORMATION THIS COMPANY IS A SISTER COMPANY OF XXXX XXXX XXXX. AND THIS INFORMATION IS COMING TO LIGHT SOON. MY CREDIT CONTINUES TO FALL I CANT GET A CAR I CANT DO ANYTHING. TODAY I HAVE WRITTEN LETTERS TO EVERYONE WHO IS CAPABLE OF MAKING A CHANGE AND A CHANGE WILL COME. MY LIFE IS DESTROYED BECAUSE I CAN NOT MOVE FORWARD IN ANY WAY AND THIS IS DEVASTATING. MY NEXT STEP WILL BE FACE TO FACE WITH ANY AND ALL LAW MAKERS. A CHANGE HAS TO BE MADE IN THEIR DECEPTIVE PRACTICES. I AM REACHING OUT TO EVERYONE WHO HAS BEEN WRONGED AND TOGETHER WE ARE GOING TO STAND UP FOR WHATS RIGHT. PLEASE HELP ME I CANT EVEN GET A CAR TO GO TO WORK THAT MEANS I CANT OAY MY BILLS. 
IF WE HAVE PUT LAWS INTO PLACE TO KEEP THIS FROM HAPPENING WHY IS IT STILL?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXXday timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
I do not have a record of the phone number, unfortunately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.

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