vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: IL

Complaint narrative:
After further review of my XX/XX/XXXX Credit report with XXXX, XXXX, Equifax -- i discovered an account that was previously mine, but was reopened by some other then myself. 

The report confirms the opening date ( confirmed ) payment history. The Account was closed a year ago with the Financial Institution, how it was reopened is out of my reach Upon further review the report indicates a late payment in XXXX of XXXX, and a closure in XXXX of XXXX. Moreover, this validates a double redflag, and imminent fraud. A fraud report was placed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After further review of my XX/XX/XXXX Credit report with XXXX, Experian, XXXX -- i discovered an account that was previously mine, but was reopened by some other then myself. 

The report confirms the opening date ( confirmed ) payment history. The Account was closed a year ago with the Financial Institution, how it was reopened is out of my reach Upon further review the report indicates a late payment in XXXX of XXXX, and a closure in XXXX of XXXX. Moreover, this validates a double redflag, and imminent fraud. A fraud report was placed with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Kikoff Inc.
State: IL

Complaint narrative:
XX/XX/XXXX, a line of credit of {$500.00} through a credit builder company, to establish a line a credit. The objective is to make monthly payments, and at the end of the year -- company releases funds, as paid satisfactory. 

This account however, was opened in error -- I can not confirm which email, or checking account they have linked. Furthermore, no funds have been pulled, ie : XXXX XXXX. 
In addition I have been calling the company twice a month, to reach a voicemail, that does not have customer service, and states : that it does not accept any voicemails. 

Final attempts to reach the company with zero results, until today when I saw my credit reports for XXXX of XXXX -- it indicates the opening, ( error ) and two late payments for XXXX and XXXX of XXXX. Upon further investigation and updates to their website- for communication, I managed to find an email ; a complaint was sent out today, to request the closure of the account -- and to remove the errors in its entirety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

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

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

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

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

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

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

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

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

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not received the services charged on my card and it is now showed closed because I refuse to pay for something I didnt receive! I was charged fees for being late which I paid a payment also and they reported wrongly on my credit report that I didnt pay! I need this account deleted from trans union XXXX and XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not received the services charged on my card and it is now showed closed because I refuse to pay for something I didnt receive! I was charged fees for being late which I paid a payment also and they reported wrongly on my credit report that I didnt pay! I need this account deleted from XXXX XXXX XXXX and Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not received the services charged on my card and it is now showed closed because I refuse to pay for something I didnt receive! I was charged fees for being late which I paid a payment also and they reported wrongly on my credit report that I didnt pay! I need this account deleted from XXXX XXXX Experian and XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act 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  account has all 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
Consumer complaint received 2022-04-08 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: IA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: CA

Complaint narrative:
I have a XXXX XXXX XXXXr monthly service plan fee for the past two years I have paid each month 2 times they are convinced I don't and won't help stop the overcharging or credit it. This last month 3 times overcharged. XXXX XXXX for monthly service plan fee and also I am over charged at there atm who. Pays XXXX to use an ATM every month. I don't know how come it's not cheaper it use to be that this was at ace check cashing with my NetSpend card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: BANCO POPULAR DE PUERTO RICO
State: AL

Complaint narrative:
XXXX BANCO POPULAR , PU this is identity theft and I reported it as such. 
someone used my information to obtain a loan and the loan company has not removed this from my credit report. I filed a police report and reported info to the ftc. 
Highest balance {$7000.00} Monthly payment {$160.00} Opened XX/XX/2021 ( 8 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from LakeView Loan Servicing LLC. There was no postage date on the outside of the envelope to indicate when it was actually mailed. Also, there was no real identifying information this was a notice of any importance. The envelope contained a letter stating personal information was part of a data breach. The company became aware of a security incident " early XX/XX/XXXX '' and explained an " unauthorized person '' gained access to files on storage servers from XX/XX/XXXX to XX/XX/XXXX. A quote from the letter : " On XX/XX/XXXX, the review process generated a preliminary list of individuals including you, whose name, address, loan number, and Social Security number were included in the files. We then took extensive measures to review that list to ensure accuracy and prepare the list to be used to mail notification letters. For some, the access files may also have included information provided in connection with a loan application, loan modification, or other items regarding loan servicing. '' The company had a duty to protect private individual information and did not exercise due diligence in protecting customers from loss via identity theft and fraud. The boiler plate letter dated 6 months after the data breach began is insulting to the 2.5 millions customers whose sensitive personal information is now out of the dark web, and offers very little support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
Background report. The only charge that is a felony is the possession of cannabis, the other two charges listed should be misdemeanor charges per court documents that also stated the plea was NO CONTEST, not GUILTY. In this report all charges are listed as felonies and GUILTY that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Block, Inc.
State: FL

Complaint narrative:
XXXX  XXXX was bought out by XXXX. My phone was scheduled to stop working but stopped working over a month before that date. After calling multiple times, speaking with atleast 10 different people each time and being on the call for atleast an hour each time, they said they would issue a refund for the monthly charges as well as the data add on that I purchased. I received a refund for the data add on but never for the month of service. Everytime I tried to call back each person would tell me something different, most of them blatantly lying to me. So I disputed the transactions since I did not receive service for the month in which I had paid, I was promised a refund, did not receive it, then was lied to and told they never provide refunds even though I had already been refunded for the data add-on. I disputed the transaction on XX/XX/XXXX. I was told the merchant had 45 days to respond. Then I would receive a decision within 3 days following the 45 days if the merchant had not responded. I emailed them several times within the 45 days to see if the merchant ( XXXX XXXX ) had responded and they emailed me back the same day each time. Now since the 45 days then the 3 days have passed I have tried to contact them 4 or 5 time, both via email and through their in app support. I have not received any replies via email and when I contact their in app support they refuse to assist me stating someone will email me even though no one ever does. It has now been 60 days and I can not get anyone to assist me whatsoever regarding my dispute. I can not even get someone to respond to any of my messages or emails. I should have gotten a response with a decision without me needing to contact them in the first place. It has now become clear they are not going to proceed in closing out this dispute. So I need help resolving this matter since at this point I have done everything I can do. Also, I do want to add that I believe the information and timeline that were provided to me were inaccurate. I am not completely sure of this since I am not familiar with all of the regulation 's they must adhere to but it is something that I definitely think needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: IA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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