vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  is incorrectly reporting to credit reporting agencies. I want XXXX XXXX to remove all accounts from my credit. I have warned this company before about the incorrect information reporting and it has not been removed and damaged my credit severely. I have been depressed about this and my health has declined due to the stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have reviewed my credit report and have identified several accounts that are inaccurate and do not belong to me. I request that you immediately remove these accounts from my credit report. 

XXXX XXXX, Account XXXX : XXXX It is not possible for this account to have a payment history as it is a charge off. I request that you delete this account immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX I have no memory of ever being associated with this company. I request that you remove this account from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX I have never had any business relationship with this company. Therefore, this account does not belong to me and I request that you delete it from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

I understand the importance of having accurate credit information and I urge you to take immediate action to remove these inaccurate accounts from my credit report. I appreciate your prompt attention to this matter and look forward to receiving written confirmation of the removal of these accounts from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MI

Complaint narrative:
This company is constantly calling me about a debt that I am not responsible for. They have the wrong lease year for my apartment. 

They also have continuously been using aggressive tactics and are unreasonable on the phone. I have stopped answering their phone calls as a result. I've tried to explain that the debt I had was paid. I filed a dispute with XXXX XXXX, but IQ Data has refused to remove the debt from collections. I filed an additional dispute which is currently in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Central Portfolio Control Inc.
State: GA

Complaint narrative:
INCORRECT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: PA

Complaint narrative:
I sent a dispute into equifax about a fraudulent XXXX XXXX account. They told me my ftc affidavit was not acceptable and put the account under disoute instead if blocking the account in 4 days as required under fcra, further experian sent a block referral to gave equidax blick the account. Under u.s.c 1681 c-2 uf another credit reporting agency receives a block referral the account must be blocked equifax is clearly violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: GA

Complaint narrative:
I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. I have contacted the companies and the actions were initiated without any proof of the companies reporting. The inquiries are not factual since I never authorized them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: IL

Complaint narrative:
Please accept my official written notification that I suspect inappropriate information reporting and I'm seeking clarity to if or not the alleged information injurious to me was done so in accordance with laws and adherent to the mandatorily utilized reporting standards. Obviously, I demand elimination of claims not certifiably compliant in reporting accuracy and completion mandates and or not yet physically demonstrated of confirmed. 
documented proof of verification and validation absent incertitudeness.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have reviewed my credit report and have identified several accounts that are inaccurate and do not belong to me. I request that you immediately remove these accounts from my credit report. 

XXXX XXXX, Account Number : XXXX It is not possible for this account to have a payment history as it is a charge off. I request that you delete this account immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX I have no memory of ever being associated with this company. I request that you remove this account from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX I have never had any business relationship with this company. Therefore, this account does not belong to me and I request that you delete it from my credit report. 

XXXX Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account XXXX : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

I understand the importance of having accurate credit information and I urge you to take immediate action to remove these inaccurate accounts from my credit report. I appreciate your prompt attention to this matter and look forward to receiving written confirmation of the removal of these accounts from my credit report. 

Sincerely, 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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have reviewed my credit report and have identified several accounts that are inaccurate and do not belong to me. I request that you immediately remove these accounts from my credit report. 

XXXX XXXX, Account XXXX : XXXX It is not possible for this account to have a payment history as it is a charge off. I request that you delete this account immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I have no memory of ever being associated with this company. I request that you remove this account from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX I have never had any business relationship with this company. Therefore, this account does not belong to me and I request that you delete it from my credit report. 

XXXX Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account XXXX : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

I understand the importance of having accurate credit information and I urge you to take immediate action to remove these inaccurate accounts from my credit report. I appreciate your prompt attention to this matter and look forward to receiving written confirmation of the removal of these accounts from my credit report. 

Sincerely, 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 2023-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX XXXX XXXX ) about a year ago. I was notified that the offer of a free safe deposit box since I am a Veteran is being canceled. I really don't mind because I haven't ever used it. On XX/XX/2023 I was charged {$55.00} for the safety deposit box claiming that I set up automatic payments for it? I never did, it was provided as a " gift ''. I've tried to resolve this, offering to bring the key to a local branch due to distance issues, willing to sign a notarized statement removing liability or accountability for the contents in the box which there isn't anything in the box. The efforts to resolve have been met with unwillingness. I understand that this branch may want to save monies and change or remove their offer. I don't understand in our digital remote age that we can't resolve this equitably, not let 's make it as difficult as possible, forcing me to drive half a day to close a box that they no longer want to provide. This recanting of one of their offers when I joined their bank isn't the problem, I'm trying to comply with them but my situation prohibits being in person to relinquish a safety deposit box that I've never used and have nothing in the safety deposit box. So they are charging a fee that I didn't authorize and refusing any common sense to resolve, possibly to continue to charge for a box I don't need or use. I shouldn't be treated like this when trying to resolve while being charged in addition.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I have been using Venmo for years off an on. My friend sent me money as a favor and when I attempted to withdraw the money it stated that I was unable to do so due to my account being frozen. I attempted to contact their support team and they stated that I would need to send in a photo of my ID to verify my identity. After doing so I was informed that my account had been permanently closed and that I would no longer be allowed to use their products or services. No additional details were given nor has any sort of refund been issued. I now have {$360.00} missing and they stated they *might* attempt to give the money back to me after 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: AL

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 Bankruptcy : XXXXXXXX XXXX  XXXX Bankruptcy : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: AL

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 XXXXXXXX Bankruptcy : XXXX, XXXX XXXX Bankruptcy : 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 2023-03-14 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: AL

Complaint narrative:
In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 


I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX Acct # XXXX ... Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " XXXX, Transunion, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-03-14 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: AL

Complaint narrative:
In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 


I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX Acct # XXXX ... Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " XXXX, XXXX, and Equifax " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I forgot in my initial date I was using XXXX XXXX and this debt was in their hands and never was done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 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