vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/23 According to the Fair Credit Reporting Act, Experian, the consumer reporting agency, has violated the following US codes pertaining to the removal of addresses on my, the consumer, credit report : 15 USC 1681. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

Among that, they have also violated 15 USC 1681b -Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have attempted to call and resolve this matter and was blatantly refused by multiple employees ( XXXX, XXXX, XXXX, & supervisor, XXXX ) Considering both the state ( Tennessee ) and Federal laws state that only one person must consent to a call being recorded, Experian records every phone call, therefore, I utilized my right to do the same. When I told XXXX was recording the conversation, XXXX said she did not consent to being recorded, even though Experian was also recording the call and that was confirmed via XXXX. She refused to honor my requests for the removal of 14 addresses that are unmailable from my credit report even after stating that she was violating the FCRA and multiple laws within that ( 15 USC 6802, 16 CFR 313.7, 15 USC 1681b, n, e, & c. ) She and I ended the call and I attempted to call Experian again to resolve this matter, only to find out that my phone number was flagged/ blocked and I was not allowed to complete the call. 

Also included in proof of claim will be a copy of my credit report, list of addresses that need to be removed, and call logs. I have audio files of the phone calls, but those need to be emailed in order to access them properly. Please let me know if you need any further information regarding this matter.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.

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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
When trying to close my credit card account, I was put on hold for a significant period of time while the operator tried to find " supervisor '' who was apparently the only one that could close my account. I was on hold for over an hour with the operator coming on every few minutes to make sure I was still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting 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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX {$5800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning incorrect personal information on my credit record. This information does not belong to me. I need this fraudulent information removed 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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I spoke with Capital one on the phone. and through email. I acknowledge that they assume that I owe them upwards of {$700.00}. I denied ownership of the debt. but I acknowledge that they contacted me. and yet they still contact me every day. Via email. this is excessive and aggressive.i have reported them and I am reporting them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In reviewing my records for XX/XX/2023, you are reporting I was 30 days late. 
This is not correct. In XXXX I was released from the XXXX and paid the bill immediately. I made the payment exactly 10 days after the due date NOT 30 DAYS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My loan was with XXXX XXXX. XXXX XXXX sold the student loan to first mark services. XXXX XXXX didn't give me a chance to buy the loan, they just informed me they sold it to someone else and that's where payments will need to go. So firstmark services has been compliant providing me with documents claiming my total due is correct. I suspect they lied because with XXXX XXXX my loan was under XXXX. But it's XXXX XXXX or higher now. I get emails from first mark services daily claiming they have options to help me, that all I have to do is reach out. When I reach out I get told all options are exhausted. I said why email me then.? They said it's a generic email. XX/XX/22i was hit in auto accident leaving me in constant pain and out of work. First mark is aware, they said if you get long term disability let us know .... But they won't give me extra time to pay they have no other options even tho each email claims they have options that can help. It's sad. Frankly I don't think it's right, I didn't cause the accident, I have done all I can to get better. I'm not married... It's been hard to make ends meet. I'm so surprised that there are such few options and what is worse is the fact that I never choose these people as my loan vendors... they just landed in my email one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My information with EQUIFAX has been breached here is the proof and they refuse to delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Collection Agency XXXX XXXX XXXX, Original Creditor Name XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account Number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account Number XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a letter in the mail on XX/XX/2023 stating my credit card had be closed. Due to previous circumstances which I never had anything fraudulent on this credit card nor disputed anything. I didnt receive anything stating my account was being closed until yesterday as the letter was stated 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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been trying to fix my credit. Back in 2021 I allowed my ex to use my credit credit where she maxed it out and never told me. I contacted Discovery about the matter I was informed my account was closed. I was offered a settlement of three months paying {$90.00} for two months which I went through and paid the settlement. I checked my report again to find out for a second time the balance had increased and the account kept collecting. I contacted Discovery once again and did ANOTHER settlement for additional three months and they said it was settled. This I checked my credit again for the third time seeing the same result not only that, they overdrafted my Bank account over {$600.00} and put me more and debt and theres no resolution and it is destroying my credit and any chance to build a future with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/2023 called and left message saying they are a law firm. When I called they could not provide me a State Bar No. to verified if they were indeed a attorney did indeed ask they to stop all contact of communication, they need to send me information 's to the so called debt, which they have refuse to send XX/XX/2023 again called and left a message saying they are a law firm. When I called back again ask for the State Bar No. to verified if they were indeed a attorney and did not provide me with information. started to harasse me about this debt. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again the same left message about saying they are a law firm...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive been complaining to thiscompany Ive been disputing I cant get through. They dont have a phone number. They wont respond. They wont communicate with me. I am not late. I pay this balance up. They are purposely messing up my credit report. Please look at this receipt and update my file. This is ridiculous. I am on time.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive been complaining to thiscompany Ive been disputing I cant get through. They dont have a phone number. They wont respond. They wont communicate with me. I am not late. I pay this balance up. They are purposely messing up my credit report. Please look at this receipt and update my file. This is ridiculous. I am on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive been complaining to thiscompany Ive been disputing I cant get through. They dont have a phone number. They wont respond. They wont communicate with me. I am not late. I pay this balance up. They are purposely messing up my credit report. Please look at this receipt and update my file. This is ridiculous. I am on time.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Good evening. I was informed of this account on my credit while in the process of trying to buy my first home with my VA loan for a XXXX gift for my family. As my wife just had our XXXX baby and we have a bad area we have been renting in. The credit advisor told me that it is reported I made a payment on this account in XXXX of XXXX after the vehicle was repossessed from me in XXXX of XXXX I thought but I could be mistaken but I know I made no payment after repossession. I also was informed that the information being reported on this account is also being reported inaccurately with dates and still being reported on my credit account when I have had no contact from any company in the last 7 years about this repossession still being reported as if I am aware or am still in possession of the car. I was told the company reported in XXXX and also in other months but I have not been aware this has been affecting my credit that I am not careless with. I have attached what the creditor has provided me and hope that this reaches the right department. I hope this can be resolved so I can move forward for my family. I have not owned a vehicle in years and would like to at least be able to house my family as I pursue a position as deputy in my town. Thank you for your time. Happy holidays. 
Best regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Someone used my identity to inquire XXXX different times using my credit for XXXX cars and XXXX apartment. Fortunately I was not approved for the XXXX different cars these perps tried to inquire about in my name. The XXXX company is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX XXXX, XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquiry I personally called every company to dispute the inquiry on my account and to also make them aware of what was occuring on the behalf of their establishment. Beyond tired of being an victim of Identity Theft. It's just tiring

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