vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-04 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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigate consumer report '' means a consumer report 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. 

They 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 the credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 181 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 explanation
Consumer complaint received 2022-07-04 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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigate consumer report '' means a consumer report 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. 

They 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 the credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 181 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 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I HAVE NEW AND UPDATED INFORMATION, PLEASE SEE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Date of tel.complaint to Wells Fargo XX/XX/2022, Wells Fargo complaint ID # XXXX, WellsFargo case # XXXX, complaint amount was for {$300.00} that was charged to my credit card by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, TEL. # XXXX, Wells Fargo denied my dispute, Wells Fargo said that because this was a warranty dispute they were denying the complaint, that isnt true, when I brought my car in for brake service I was told that the warranty didn't apply, I asked to speak to a manager and he confirmed that the warranty didn't apply because brakes were considered a wear item, similar to tires and windshield wipers but he considered me a good customer and cited the fact that the car was purchased at XXXX XXXX and he asked me what it would take for him to make me happy, and I replied to get my brakes fixed at no charge and I assured him the next car I bought would also be from XXXX XXXX, he agreed to my terms for no charge for the brake repairs, but when I went to the counter to get my keys I was told that there was a {$300.00} charge and that they wouldnt give me my car keys until I paid the {$300.00}, though I objected I had no alternative other than to pay the {$300.00} as I reside XXXX miles away from XXXX XXXX and I am an XXXX XXXX XXXX man with multiple health problems, I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have had multiple recorded tel. conversations with Wells Fargo, the last one was with a XXXX named XXXX on XX/XX/2022, at XXXX am on tel. # XXXX, he told me that Wells Fargo was denying my claim because I had signed the receipt and he said that he had documents stating that the {$300.00} charge was because of some type of warranty insurance, I told him that I had never seen or been given any document saying that, I told XXXX that the only documents I have that are related to the brake repairs done on XXXX, were the XXXX XXXX invoice that states no charge for the entire brake repairs and the CC receipt, he said he would email me the documemts that he refered to that he received from XXXX XXXX, as of now he hasn't sent them to me, he hung up on me before I could ask more questions so I called and spoke to a supervisor named XXXX on XXXX, I asked her if I could appeal Wells Fargo denial of my dispute, she said no but that I could send in a request within 10 days for a review of my dispute, I will do that tomorrow by faxing it to Wells Fargo from their XXXX XXXX, FL XXXX XXXX branch, the fax # is XXXX. 

Sincerely, 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 2022-07-04 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: CA

Complaint narrative:
Sharing credit information with companies/ and or 3rd parties creditors

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 2022-07-04 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: NC

Complaint narrative:
Ive asked XXXX numerous times to remove XXXX XXXX XXXX Im not aware of it Ive spoke to them and They said I had to report it Ive spoke to equifax and they saying the same thing its a car on my report I have no clue about I just graduated college and my school loans should be the only thing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
I have opened my XXXX XXXX XXXXXXXX  account and see that I have a past due credit card bill to BARCLAYS BANK DELAWARE for an account that was opened on XX/XX/XXXX in my name. I have contacted BARCLAYS BANK DELAWARE and told them this is a fraudulent account on multiple instances but it is still showing up on my credit report on XXXX, XXXX, and XXXX. The information displayed on the overdue " closed account '' is as follows : Account name BARCLAYS BANK DELAWARE Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Past due 120 days Status updated XX/XX/XXXX Balance {$6300.00} Balance updated XX/XX/XXXX Credit limit {$7000.00} Monthly payment {$170.00} Past due amount {$690.00} Highest balance {$7200.00} Terms Revolving Responsibility Individual I have disputed the claim through the crediting bureaus but BARCLAYS BANK DELAWARE refuses to take it off of my credit report even though I have spoken to them on the phone multiple times to tell them this account was opened negligently in my name. Their contact information is : Address po box XXXX XXXX, DE XXXX Phone number ( 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 2022-07-04 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: Colony Brands, Inc.
State: FL

Complaint narrative:
I been in prison from XX/XX/2018 to XXXX I have no knowledge of several accounts on my report.. I disputed them and provided my XXXX info showing I was incarcerated.. they updated my reported with higher balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: FL

Complaint narrative:
I been in prison from XX/XX/2018 to XXXX I have no knowledge of several accounts on my report.. I disputed them and provided my XXXX info showing I was incarcerated.. they updated my reported with higher balance

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 2022-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a debit card with venmo I had a 100 % of my check deposited into the account I went to pay my XXXX bill which is my bill for my cable as soon as I paid it I went to go pay a friend back who loaned me a {$100.00} a week before my account stopped they told me it was suspended and wouldn't tell me why that I had to read their 7 pages of pro XXXX pages of privacy but it doesn't tell me why my account was put on holder suspended called over after 45 minutes of speaking to the 1st person he couldn't help me the 2nd person transferred to a supervisor after an hour and a 1/2 After speaking the supervisor he said he would take care of it and get someone to get ahold of me by escalating it he sent me a form where I would send my driver 's license back which I did as soon as I was done doing that then he decided that he would say

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: TX

Complaint narrative:
I am writing because I have recently reviewed my credit reports from all 3 credit bureaus. There were several discrepancies in the accounts that they are reporting. I have written to all 3 bureaus twice asking them to fully validate the reported information and remove anything that they can not provide an ink signed original contracts from myself and the original creditor that correlates to the collection accounts in question. With each attempt in contacting the credit bureaus, I gave them 30 days to respond. It has now been over 60 days, and each bureau has failed to fully verify the collections and provide me with all of the information that I requested. I asked them to remove each account if they were not able to verify them. The accounts have not been removed by either bureau. 

I have also reached out to each of the collection agencies requesting full verification including ink signed contracts from myself and the original creditor as well. I also asked them to provide me with information regarding their lawful right to collect without my consent, a copy of an agreement authorizing their company to collect on behalf of the original creditor, and a copy of their license to collect in my state and their registered agent name with their address. Neither collection company has been able to fully verify the accounts or provide me with all of the requested information. The accounts have not been removed by either collection agency. 

The companies are listed below : XXXX. XXXX XXXX : {$920.00} XXXX. XXXX XXXX : {$1700.00} XXXX. XXXX XXXX : {$530.00} XXXX. XXXX XXXX : {$1300.00} XXXX. XXXX XXXX : {$1100.00} XXXX. XXXX, XXXX : {$7400.00} XXXX XXXX XXXX XXXX XXXX {$4600.00} I wrote to the credit bureaus on the following dates : XXXX. XX/XX/2022 XXXX. XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I HAVE NEW AND UPDATED INFORMATION, PLEASE SEE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX & XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX  Account # XXXX Collections : 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 an 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 2022-07-04 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: CA

Complaint narrative:
Sharing credit information with companies/ and or 3rd parties creditors

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 2022-07-04 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Sharing credit information with companies/ and or 3rd parties creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
I HAVE NEW AND UPDATED INFORMATION, PLEASE SEE ATTACHED DOCUMENTS. CKS. HAVE REMOVED THE COLLECTION FROM XXXX AND XXXX BUT NOT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: GA

Complaint narrative:
When I went to the car dealership they ran me for financing without my consent multiple times! Listed below are all the times I'm aware that they ran my credit. 

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 The rest below were pulled off my Trans Union credit report that I am unaware of. 

XXXXXXXX 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 2022-07-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I paid my Hyundai XXXX lease as instructed and was told my title would be mailed to me. Hyundai claims to have sent it but I never received it over a month later. Hyundai refuses to do anything to remedy this situation leaving me with no title and no ability to register the car. Hyundai keeps offering to send a lien release or a letter of no interest but the DMV says these documents are useless. I can not get my name on a new title for the vehicle until Hyundai sends me their title. I have read several other reports of people being put through this horrific situation and never had important mail not arrive before so I am sure this is Hyundai causing this.

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 2022-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
this collector has been calling everyday, i was told my medical bill was paid for by my XXXX insurance should have paid for it, but later, they submitted 2 derogatory remarks on credit report. So, i paid XXXX for settlement, but i was told the medical insurance paid for it. but i dont need any of this on my credit report. i would really like for them to refund me my XXXX if my insurance paid for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: KS

Complaint narrative:
I have opened my Experian credit boost account and see that I have a past due credit card bill to XXXX XXXX XXXX for an account that was opened on XX/XX/XXXX in my name. I have contacted XXXX XXXX XXXX and told them this is a fraudulent account on multiple instances but it is still showing up on my credit report on Experian, XXXX, and XXXX. The information displayed on the overdue " closed account '' is as follows : Account name XXXX XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Past due 120 days Status updated XX/XX/XXXX Balance {$6300.00} Balance updated XX/XX/XXXX Credit limit {$7000.00} Monthly payment {$170.00} Past due amount {$690.00} Highest balance {$7200.00} Terms Revolving Responsibility Individual I have disputed the claim through the crediting bureaus but XXXXXXXX XXXX XXXX  refuses to take it off of my credit report even though I have spoken to them on the phone multiple times to tell them this account was opened negligently in my name. Their contact information is : Address XXXX XXXX XXXXXXXX XXXX, DE XXXX Phone number ( 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 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I HAVE NEW AND UPDATED INFORMATION, PLEASE REVIEW ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: WA

Complaint narrative:
Although provided with SOURCE DOCUMENTATION they did not verify public listing, erroneous bankruptcy information remains.

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