vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 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: GA

Complaint narrative:
Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, the following inconsistencies can be observed : The Date Opened of the account on TransUnion is XX/XX/XXXX, while on XXXX, it is XX/XX/XXXX. There is a difference of 24 days between the two dates, which indicates a reporting error. 

The Date Last Active on TransUnion is XX/XX/XXXX, while on XXXX, it is XXXX XXXX XXXX There is a difference of 96 days between the two dates, which also indicate a reporting error. 

The Payment Status on TransUnion is Unknown, while on XXXX, it is Current. This inconsistency can indicate a failure to report accurate and complete information to the credit reporting agencies. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete. In addition, FCRA Section 611 ( a ) ( 1 ) ( A ) gives consumers the right to dispute inaccurate information on their credit reports and requires the credit reporting agencies to investigate and correct any errors.

In addition, the account comments state XXXX XXXX  bankruptcy for Transunion and Account has been closed due to inactivity for XXXX. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete.

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 2023-04-09 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: GA

Complaint narrative:
Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, the following inconsistencies can be observed : The Date Opened of the account on XXXX is XX/XX/XXXX, while on Experian, it is XX/XX/XXXX. There is a difference of 24 days between the XXXX dates, which indicates a reporting error. 

The Date Last Active on XXXX is XX/XX/XXXX, while on Experian, it is XXXX XXXX XXXX There is a difference of 96 days between the two dates, which also indicate a reporting error. 

The Payment Status on XXXX is Unknown, while on Experian, it is Current. This inconsistency can indicate a failure to report accurate and complete information to the credit reporting agencies.

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete. In addition, FCRA Section 611 ( a ) ( 1 ) ( A ) gives consumers the right to dispute inaccurate information on their credit reports and requires the credit reporting agencies to investigate and correct any errors. 

In addition, the account comments state XXXX XXXX bankruptcy for XXXX and Account has been closed due to inactivity for Experian. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete.

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 2023-04-09 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I did the lifetime opt out of prescreened offers a few years back but recently got such unsolicited pre screen offer from tdbank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: SC

Complaint narrative:
I had a 2 previous debts with XXXX XXXX that I had on my report for 7 years before it removed itself. Recently I got a notification from XXXX that a company called asset care has purchased the debt and its now on my credit again. XXXX XXXX  was the original collection agency for a debt that I was never even aware of until it was placed on my credit. When I reached out to XXXX XXXX I was advised that not debt showed up and I would have to deal with XXXX XXXX. The debt is over 7 years old but it keeps reappearing on my credit. Ive disputed multiple times because of the age but they continue to sell it off and add it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 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: SC

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until 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 2023-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
My account was hacked on XXXX XXXX XXXX. My bank details were changed, and money was transferred out of {$4000.00}, as well as a temporary card requested in order to make 7 purchases for {$6000.00}. All unauthorized. I contacted Chime asap to request all my details be put back to mine so I can go back into my hacked account that had been wiped out. I changed my password, and put a stop to the temporary card that was used for fraud and in which the transactios were still pending. My debit and credit card were canceled, and new ones were sent out. I was only refunded part of my dispute and am seeking the rest of my unauthorized charges back which is {$6000.00}. 
I sent all proof Chime needed in order for me to be protected and obtain all my funds back as promised in Chimes website under disputing fraudulent activity, with no resolution still. 
I filed a report with the consumer financial protection bureau, Federal Bureau of Investigation, police station, Florida dept. Of law enforcement, XXXX, and FTC. I notified the credit Bureaus as well and identity theft. XXXX. 
I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: FL

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, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
Lexington Law, a credit repairing agency based in XXXX Utah took several disclosures and payments in regards to credit repair to my Credit report SS # XXXX ... multiple payments and interventions ie XXXX, have taken place... In the course of moving to the state of Michigan as a XXXX XXXX XXXX ( XXXX XXXX ) ; advertisements were made as to the " transaction '' capability of State Bar Attorney, XXXXXXXX XXXX an associate of the Lexington Law firm under XXXX XXXX. XXXX XXXX  capabilities and interventions caused me to get involved, however, the Michigan branch would not address any of my requests for intervention as outlined on their main website www.lexington.com. An example of this type of overriding services was experienced when I presented information about an XXXX XXXX XXXX Reservation with the XXXX XXXX XXXX in XXXX XXXX XXXX Michigan XXXX When the legal counsel associate was asked to thread with the communications, he simply would not acknowledge the purchase of a Military lease Vehicle that may have been racketeering or unlawfully purchased without correct due process... further, the Lexington company has amazing strengths and an XXXX XXXX dollar class action lawsuit that causes me to observe and report to your agency even further .... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: TN

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: TN

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-04-09 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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Open date XX/XX/XXXXXXXX XXXX  Closed date XX/XX/XXXX Cb indigo credit card I payed off card amount account is still under collection request for it the item to be removed. Been more then 30 day since I payed off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
I had a $ XXXX car loan with Santander for 5 years which started in XX/XX/2017 and the principle balance only decreased $ XXXX. The company did not properly explain the high interest and fees along with loan deferrals and apparently did not apply my payments correctly if my principle did not decrease much with each payment that I made. This resulted in the car being repossessed because my payments were not making a dent in my loan. 

My credit history with Santander with all credit bureaus have inconsistent data across the board. How is that possible if the information should be coming from the same place? Every instance that I've attempted to correct issues have been met with my credit standing worsening and this is in violation of the Fair Credit Reporting Act. 

I attached the article on " XXXX XXXX XXXX Settles with Santander Consumer USA Inc. for Credit Reporting Violations in Connection with Its Auto Loans '' that outlines the predatory lending practices of Santander which have negatively impacted my credit and my family 's livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have filed a dispute with XXXX and PNC Bank in regards to consultation services never received by a company called XXXX XXXX in the amount of {$160.00} for a transaction that ocurred on XX/XX/2023. I sent XXXX copies of the email showing that I paid for a service. I also included a note via XXXX with the purpose of my payment. I disputed the transaction after not receiving service. I called PNC bank after XXXX failed to assist in this matter explained to PNC that paid {$160.00} for counseling services never received. I have tried to reach out to the Seller via email but received no response. XXXX has failed to provide the XXXX XXXX as promised for transactions that take place on their platform.. I appealed their decision and still have not received funds. I reached out to my bank PNC in regards to this matter and received no assistance. I am willing to go to my local police dept and contact my attorney regarding this matter. As a customer, I am very disappointed that XXXX and my bank-PNC has failed to protect my money. They have offered no support regarding this matter. I have been scammed by a XXXX XXXX  and my financial institution failed to assist in this matter after explaining and sending in proof of emails and receipts to support my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX, Account # XXXX, and XXXX XXXX XXXX XXXX XXXX Account # 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

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