vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 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 have contacted XXXX and Experian several times and have been ignored. We voluntarily surrendered this boat that XXXX took possession of in XX/XX/XXXX. Now In XX/XX/XXXX on my credit report it shows that XXXX have repossessed this boat again. This has negatively affected me getting credit. I am only having this issue with Experian.

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 2023-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC
State: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence englehardt v. Gardens 281 sw 715-719. I presume that no proof of the alleged debit, nor therefore any such debit exist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: NC

Complaint narrative:
On XX/XX/2023, I contacted XXXX XXXX XXXX  to have someone come out and give an estimate on building a pool. They asked me my name, birthday, marital status, and if I owned my home. I gave them that information. The next day I got an alert on from my credit monitoring service that XXXX XXXX XXXX had pulled my credit. I called them to find out why and resolve the isse. I was told that they asked for my permission to pull my credit when they asked for my birthday. I was never asked if it was ok to pull my credit. I had no intentions on using their financing and so there was no need for them to do this. I did not give them permission to access my credit and want this inquiry removed.

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 2023-05-31 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: TX

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

I demand this be updated to paid as agreed on all 3 credit reporting agencies.

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 2023-05-31 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: TX

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

I demand this be updated to paid as agreed on all 3 credit reporting agencies.

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 2023-05-31 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/2023 XXXX rec 'd an email regarding Chase credit card application. I was already victim to XXXX this week. I notified Credit Bureau immediately and filed report and Chase. Apparently someone applied online for Southwest Credit Card in my name and it wasn't me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: IL

Complaint narrative:
1. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information 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 2023-05-31 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:
1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
Flex needs to update my XXXX credit report information because Ive made payments all this year but my XXXX credit report only shows XXXX payment and thats XX/XX/2023 payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was notified on XXXX XXXX XXXX  that a credit card issued by synchrony paypal card under my SSN and it was reported to on my credit that synchrony closed it. I reached out to XXXX Identity theft to assist me and provide me with guidance. 
On XXXX XXXX I spoke with someone at synchrony paypal from their fraud department along with XXXX XXXX a restoration specialist ( she is helping me from XXXX XXXX After a few questions from the fraud department at Synchrony she was going to open up an investigation and report this as fraud to the credit bureaus. I have not used or applied for credit for about 3-4 years. The credit card was opened up XX/XX/XXXX and was closed 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 2023-05-31 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: NJ

Complaint narrative:
Dear Experian, I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-05-31 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: SC

Complaint narrative:
I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
The following inquiries on my Equifax credit report are fraudulent and I never authorized them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: CA

Complaint narrative:
I've been disputing this collection account that appears on my credit report but the bureaus keep saying the account has been verified but never have sent me anything to prove it.

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 2023-05-31 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
This is not my account. My Identity was stolen if you see my license number is not the same as the license number used to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
This debt has been paid off. I keep having debt collectors reopen the account and I dispute through the credit bureaus. It comes out in my favor due to it being paid off already, but my credit score falls and it takes time to correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I kindly request that you promptly update my account with the correct and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
I had a XXXX XXXX XXXX XXXX. I was double billed {$6000.00} and {$4500.00} for the same test. This is fraud or an error just like 40 % of all medical billing. 
The total bill for a 20 minute test was {$10000.00}. My medical insurance company paid almost all of it. There should be no balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
Please start an investigation regarding these accounts as they're reporting me as late even when I'm not.

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 2023-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
REPEAT VIOLATIONS AS PRIOR HISTORY OF DECEPTIVE ACTS AND PRACTICES IN VIOLATION OF THE CONSUMER FINANCIAL PROTECTION ACT ( CFPB ) 12 U.S.C. 5531, 5536. AND FDCPA 15 U.S.C. 1692e FALSE AND MISLEADING REPRESENTATION IN CONNECTION WITH THE COLLECTION A DEBT. 

FALSE AFFIDAVITS, UNTRUE CLAIMS THAT WERE SWORN TOO. 

I HAVE BEEN DAMAGED FROM FABRICATED EVIDENCE CREATED TO FOOL THE JUSTICE SYSTEM I HAVE ATTACHED A SAMPLE OF THE FABRICATED MONTHLY STATEMENTS USING XXXX CREDIT CARD TEMPLATES TO MAKE XXXX ACCOUNT, THERE ARE MORE OF THE STATEMENTS WITH MIXED SECTIONS OF ORDER. THE SECOND ACCOUNT IS NOT IDENTIFIED HAS MISSING XXXX  YEAR HISTORY SAME MIXED UP SECTIONS. CONTAINS FABRICATED CHECKS ( NEVER USED ) AND XXXX POSTAL CLERKS CONFIRMED THAT ADVERTISEMENT ENVELOPES ADDED IN INFLATED STATEMENTS WITH MY ADDRESS WERE NEVER MAILED. 
I HAVE NEVER RECEIVED THE MONTHLY STATEMENTS AND THEY WERE NEVER SENT/MAILED TO ME. THEY WERE CREATED AFTER LAWSUIT STARTED. 
IT SHOULD BE NOTED THAT ALL OF THE FABRICATED EVIDENCE AND FALSE AFFIDAVITS ARE CREATED IN BANK OF AMERICA DEPARTMENT CALLED THE RESEARCH AND ADJUSTMENT ( COLLECTION DEPARTMENT ) THE EMPLOYEES ARE HIRED AS RESEARCH AND ADJUSTMENT REPRESENTATIVES, I HAVE ATTACHED THEIR JOB DESCRIPTIONS LEVELS XXXX  & XXXX, THE TITLE OF " OFFICER '' DOES NOT APPEAR IN JOB DESCRIPTION AS IS USED ON AFFIDAVITS, THEY DO THE SWEARING AND NOTARIZATION IN THAT DEPARTMENT MOST TAKE TURNS SIGNING AND NOTARIZING AS MOST I INQUIRED ABOUT EACH HAD NOTARY LICENSE. THEY MUST WORK DIRECTLY WITH ATTORNEYS TO GET THE EVIDENCE NEEDED IN COURTS. IT IS IN JOB DESCRIPTIONS.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX claims that : XXXX ) Golden XXXX XXXX XXXX ( charge off ) Balance {$9300.00} is accurate after my dispute XXXX ) XXXX XXXX XXXX XXXX ( charge off ) Balance {$40000.00} is accurate after my dispute XXXX ) XXXX XXXX XXXX XXXX ( charge off ) Balance {$7000.00} is accurate after my dispute. 

I disputed said items multiple times in XXXX and XXXX and yet items still remain on my file even though they are inaccurate. 

Please help me resolve.

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: SC

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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