vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 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: GA

Complaint narrative:
After I reviewed my credit report, I am still seeing information that is reporting on my credit file that is not mine. Please help me in getting these items removed from my credit file : XXXX is reporting my name incorrectly and misspelled : XXXX, XXXX XXXX and XXXX is spelled incorrectly. the correct spelling is XXXX. 

The following are incorrect addresses : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX Also the following accounts are not mine. I do not know how anyone was able to access my personal information to open these accounts : 1. XXXX XXXX reporting on XXXX ; bal : {$11000.00} 2. XXXX XXXX reporting on XXXX, XXXX, and Equifax ) ; Bal : {$500.00} The following are unauthorized inquiries : XXXX XXXX XXXX XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 13 Times XXXX XXXX XXXX  XXXX 2 Times XXXX XXXX XXXX XXXX XXXX XXXX 4 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 2 Times XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N XXXX Balance Owed : {$2700.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on BMW FIN SVC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureau is reporting inaccurate information on DISCOVER FIN SVCS LLC ( Account number : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I XXXX XXXX, the natural living breathing person have proof that American Credit Acceptance have been and continue to violate my consumer rights. I the consumer have noticed American Credit Acceptance has violated me 20 times and have proof of admission. American Credit Acceptance has violated 15 US CODE 1681 ( A ), 15 US CODE 1692 D, 15 US CODE 1635, 15 US CODE 1692 B ( 2 ), 15 US CODE 1692B ( 3 ), 15 USC 1681N ( B ), 15 U S CODE 1601 ( A ), 16 USC 1692 ( E ). American Credit Acceptance also had a third party guest illegally repossess the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

JPMCB AUTO XXXX Balance Owed : {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Collections Acquisition Company, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

PORTFOLIO RC XXXX Balance Owed : {$820.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Fraud complaint on XX/XX/XXXX first unauthorized payment was XX/XX/XXXX my claim was denied appealed it on the XXXX and just got information it was denied again XXXX I think but definitely 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 2021-11-06 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: GA

Complaint narrative:
Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been more than 45 days with no response from the credit agencies. 

The following items do not belong to me : The following addresses are not mine : XXXX XXXX , XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX ( Equifax ) This is not my Account : XXXX XXXX XXXX XXXX XXXX XXXX - Bal : {$660.00} & Opened XX/XX/2020 XXXX, XXXX, Equifax ) I was never late on the following accounts or Chargeoff : XXXX XXXX XXXX - XXXX is reporting an inaccurate Chargeoff and Equifax is reporting an inaccurate 120 days late XXXX is reporting an inaccurate 120 days late Incorrect names : XXXX ( XXXX ) I can't understand why is XXXX reporting all of these inaccurate Information. XXXX has not verified any of this information because this information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Balance Owed : {$4500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 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: GA

Complaint narrative:
After I reviewed my credit report, I am still seeing information that is reporting on my credit file that is not mine. Please help me in getting these items removed from my credit file : XXXX is reporting an incorrect address of XXXX XXXX XXXX XXXX XXXX is reporting an incorrect address of XXXX XXXX Also the following accounts are not mine. I do not know how anyone was able to access my personal information to open these accounts : XXXX XXXX XXXX is not mine and its reporting on XXXX ; Bal : {$22000.00} and it is reporting as a duplicate ; and again on Equifax There is also a bankruptcy that is inaccurately reporting on both my XXXX and Equifax file. 

I believe XXXX is acting as a credit furnisher. I have submitted request to creditor and they stated that I need to submit dispute to credit agency. However, XXXX is not complying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Phoenix Financial Services LLC
State: NC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Account Name : LVNV FUNDING LLC Account Number : XXXX Balance : {$950.00} This letter is a formal complaint against LVNV FUNDING LLC, a collection agency located at XXXX XXXX XXXX XXXX SC XXXX .They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies.

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Affidavit of Truth I have inaccurate information reporting on my XXXX credit report. There is a Wells Fargo Dealer Services account # ( XXXX ), that was disputed and removed by XXXX for inaccurate reporting on XX/XX/2019. However, this account was reinserted on my credit report without sending me a pre-sell or post-sale letter after the repossession. Also this account was deleted from XXXX and XXXX. I have a letter from the creditor ( wells Fargo Dealer Services ) admitting that they are reporting an inaccurate high balance to my XXXX credit report. Furthermore, without my knowledge Wells Fargo 's performed a 1099-c to cancel the alleged debt. In conclusion this debt is cancelled, the account was removed and reinserted to my credit report, the High balance is incorrect and XXXX, XXXX an XXXX report This Wells Fargo account differently. Please hold Wells Fargo and XXXX accountable under The laws of the U.S.C and U.C.C codes and Fair Credit Reporting Act. Please remove this account immediately, otherwise I will exercise my rights under the law for remedy. I've also attached documents proving why this account needs to be removed immediately. Thankyou.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on LVNV FUNDING LLC XXXX Balance Owed : {$1400.00}. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

XXXX XXXX Balance Owed : {$760.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: GA

Complaint narrative:
To whom it may concern in this matter. I need your assistance in removing a charge off account that do not belong to me. However, it is reporting on my credit file. 

My name is not XXXX, XXXX, XXXX  My address is not or never been, XXXX XXXX XXXX XXXX XXXX, To XXXX XXXX, XXXX XXXX XXXX , or XXXX XXXX The following items do not belong to me XXXX is reporting on my XXXX & XXXX ; Bal : {$9300.00}

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 2021-11-06 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: GA

Complaint narrative:
To whom it may concern in this matter. I need your assistance in removing a charge off account that do not belong to me. However, it is reporting on my credit file. 

My name is not XXXX, XXXX XXXX My address is not or never been, XXXX XXXX , XXXX XXXX, To XXXX XXXX, XXXX XXXX XXXX , or XXXX XXXX The following items do not belong to me XXXX is reporting on my XXXX & Equifax ; Bal : {$9300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Has Listed 39 Opened Accounts. FALSE. 

Experian Does Not Indicate That I, The Customer, CLOSED My XXXX Account. And, That I Had Been With XXXX  Since XXXX  With Excellent Payments, And Up To A XXXX Limit. 

My XXXX  Account Is Listed Within The Credit Report With A BLANK SPACE? AND THEREBY APPEARS SUSPICIOUS. 

My Current Credit Card Balances Are NOT Disproportionate To My Limits. 

Positive, Creditworthy Information Appears To Be OMITTED, OR DELAYED While There's NO HESISTATION Between The Three Agencies TO LIST The One " XXXX  XXXX 's '' Collection For A Pay Day Loan That I've DISPUTED. REPORT WITHHOLDS THE FACT That I'm DISPUTING This DEROGATORY Information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CAPITAL ONE BANK USA is currently showing 30-60 days late for the year 2018. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on NET CREDIT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation