vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: NJ

Complaint narrative:
After reviewing my credit report, I found that some of the data were unreliable. The three credit bureaus are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is forbidden to treat these reporting items ' unconfirmed information as fact without supplying evidence within the legally required amount of time. I need the following incorrect information in my credit report looked at and updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$53XXXX XXXX XXXX XXXX XXXX Balance : XXXX} XXXX XXXX XXXX Balance : {XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2019 portfolio recovery associates , llc starting to report a derogatory collection tradeline to my credit report which has to be In result of identity theft this account reporting on my credit report has absolutely tarnished my more then perfect XXXX XXXX as long as my overall report they have been reporting a past due balance on a month to month basis which is not supposed to be done I am demanding for the collection tradeline to be deleted from my credit report on all credit Bureaus, I am urging for this collection tradeline account to be permanently removed from my credit report within the next 30 days I will be attaching supporting documents in order to show how its reporting to my credit report and how awful it is affecting my XXXX XXXX and overall credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : DEPT OF EDUCATION/XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : XXXX ; DEPT OF EDUCATION/XXXX XXXXXXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {XXXX} ; DEPT OF EDUCATIONXXXX  XXXX Date opened XXXX XX/XX/XXXX Balance : XXXX} ; DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : XXXX} ; XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX XXXX XXXX {$110.00} ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {XXXX ; DEPT OF XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {XXXX ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : XXXX  ; DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : XXXX ; DEPT OF EDUCATION/NELN XXXX Date opened : XX/XX/XXXX Balance : {XXXX} ; XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXXXXXX Balance : {XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 2023-03-02 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit Acceptance Corporation {$21000.00} My social security number is being compromised and used as collateral by XXXX XXXX XXXX in XXXX and XXXX XXXX XXXX in New York My personal non public information is being used please help me by deleting negative items from my credit In accordance with FCRA 15 U.S.C 1681 section 602 A states I have the right to privacy

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 2023-03-02 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has falsely navigated and put together a claim that I have an account established with them. Ive attached a copy of the initial police report and fraud report to the police department in my region. Lets see what excuse they have after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$880.00} My social security number has been compromised and used as collateral BY XXXX XXXX XXXX and XXXX XXXX Please help me by deleting any negative items off my credit In accordance with the FCRA 15 U.S.C 1681 Section 602 A states I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: PA

Complaint narrative:
After reviewing my credit report in XXXX i came across this inquiry that was unrecognized. I reached out to the company itself with no success and when I took it to the credit bureau I did not get a response. 

I have no recollection of this company or why they would need to pull my credit as I have a very limited credit profile and am normally on top of things like this. 

Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX first letter was sent and received at the end of XX/XX/XXXX and second letter was XX/XX/XXXX. 

They sent a second later validating and once I requested further information in XXXX I heard NOTHING back until after XXXX ( see attached ) and all sent was a document accusing me of using a credit repair company. 

EQUIFAX First letteXXXX sent XX/XX/XXXX- they asked for verifiable ID without investigation results, mind you I sent BOTH my ID and utility bill, a verifiable copy at that to them the first and second time. On XX/XX/XXXX I sent the second letter returning the information they were looking for and did not hear anything back until XX/XX/XXXX asking for ID again ( see attached ). 


At this point, my rights as a consumer to fair and accurate credit reporting is being violated IN THREE WAYS and this is absolutely ridiculous over ONE inquiry!!!! 

1- 15 U.S. Code 1692g ( b ) - Validation of debts- WAS NOT DONE IN 30 DAYS 2- 15 u.s.c 1681I Paragraph 5 - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 3-15 U.S. Code 1681b - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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  : # XXXXXXXX XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX, XXXX. : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

XXXX 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 2023-03-02 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: IL

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 XXXXXXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF XXXX / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / 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 2023-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
The company XXXX XXXX, and spinoff BM Technologies , IncXXXX ( also called XXXX XXXX XXXX ) refused to honor it's issued check numbered XXXX, acting as a payment agent. The check arrived via USPS First-Class Mail with a South Dakota return address. Calls to the phone number on the check ( around XX/XX/XXXX ) go to a call center that says that the check is stale-dated, and asks if I am a merchant. I am not a customer of the bank payment service company nor a merchant. The check is dated XX/XX/2022 ( XX/XX/2022 ) and was deposited electronically XX/XX/2022 and accepted by the accepting depository institution XX/XX/2022. The check was returned on XX/XX/2022 along with a {$10.00} Deposited Item Return Fee from the accepting bank. The depository bank can not give any information as to why there is a stop payment besides that the check may be stale-dated, which it was not. The check was deposited within six months after it's date. The funds need to be replaced for the check so that the the customer 's account is properly charged and there is a timely credit for the value of the check presented for payment. Contacting the principal doesn't help as its agent handles payment after the payment is authorized.

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 monetary relief
Consumer complaint received 2023-03-02 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: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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