vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 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: VA

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 Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX, XXXX/XXXX  : XXXX, XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX VA : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX/XXXX  : XXXX, XXXX : XXXX. 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 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 2023-06-20 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: CHALLENGE FINANCIAL SERVICES
State: AZ

Complaint narrative:
multiple companies pulled my credit without my consent,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tilt Finance, Inc.
State: NY

Complaint narrative:
Empower charges a subscription fee of $ XXXX. I signed up for the app after a trial period of XXXX weeks in XX/XX/2021 and was charged a subscription fee/month since that time. I NEVER used any Empower service and also did not receive any notification of the subscription being charged. I've been charged {$170.00} for no reason what so ever. This is a deceptive business practice. If money is being debited from my accounts then I should be notified about it. I received no monthly, quarterly statements from Empower but they kept deducting my account. I reached out to the company and they refused my full refund request. 

regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20 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:
Good day, I've been doing my research because you keep ignoring my complaint. I was making my payments on time and I have raise this since then. you can see my credit report and I'm making payments on time but why did you ignore me even I tried to explain myself. I had XXXX  back on XX/XX/2022 and I miss just one payment. please hear me out have this last reported on my 2 accounts remove that appears on my letters **CARES Act** *If you are current on payments and make special arrangements, creditors must report the account as current. 
*If you were already delinquent on payments and you make special arrangements, your account will be reported as delinquent until you bring it back to current. 
*Late and missed payments CAN NOT be reported if you have already made arrangements. 

I HOPE THIS TIME YOU CAN START READING IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: NY

Complaint narrative:
As of XX/XX/XXXX I have noticed fraud account on my Credit file and Consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$2100.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - - XXXX XXXX - - - - XXXX C - - - XXXX XXXX - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - C - - - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$2100.00} Original balance $ 0 Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments COLLECTION ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone number ( XXXX ) XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nathan & Nathan, P.C.
State: MS

Complaint narrative:
Received a summons on XX/XX/2023. I sent a response to that summons on XX/XX/2023 certified mail and it was received by the plaintiff on XX/XX/2023. Today XX/XX/2023 I received a package from the plaintiff where it was dated XX/XX/2023. This package had a letter with one sentence on it stating these documents validate the debt. The package also contained several statements from the prospective credit card company. I have no knowledge of this, and they are not giving me the rights to appeal or contest. They also have not verified the debt with these statements. The notice did not include any of the communication that they tried to contact me about this said debt before issuing me a summons. The notice did not include any of the following : A statement that the communication is from a debt collector The name of the creditor you owe the debt to The account number associated with the debt ( if any ) ( shows all Xs except last four digits ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: AZ

Complaint narrative:
Hello, I recently reported a fraud alert for accounts that were opened fraudulently. My police report was updated as other accounts were found. 
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
1. XXXX XXXX XXXX  ( XXXX  ) 2. XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I check my credit report and my personal information is incorrect, I have misspelled names, address and phone numbers even my work history is incorrect. I have attached a letter with correct address.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I check my credit report and my personal information is incorrect, I have misspelled names, address and phone numbers even my work history is incorrect. I have attached a letter with correct address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXXXXXX? XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months ) 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 2023-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX-paid off in XXXX  : XXXX balance, never late, not charged off-please delete line from Transunion & 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 2023-06-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX-paid off in XXXX  : XXXX balance, never late, not charged off-please delete line from XXXX & Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
For the past several months around the middle of each month my Equifax score plunges between XXXX and XXXX points with no noticeable changes to warrant such steep and sudden drops. Sometimes they are corrected within a few days, however, other times they take more than a month or so to be corrected. This has been occurring almost every month beginning in XX/XX/2023 and recently occurred at the time of this complaint. I have taken screenshots of the trajectories of these irratic movements per line graphs as well as screenshots documenting the manic behaviors of this account 's scores. This is not singularly occurring to my report. A close friend woke up last month to discover that Equifax had reported her " Deceased '' and that all her accounts had been closed and her credit score was " XXXX ''! There are a plethora of similar complaints about the aforementioned behavior by Equifax on sites such as XXXX where plunges and restorations of over XXXX points had occurred within a day or so from each other. I have been denied credit and have also had interest rates on my credit cards increased as a result of this fraudulent activity and may decide to seek remedies through the Federal Courts if this matter is not investigated thoroughly and resolved satisfactorily. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Lendsmart, Inc.
State: AZ

Complaint narrative:
multiple companies pulled my credit without my consent,

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: NY

Complaint narrative:
I have sent multiple complaints thru CFPB and FTC but I don't see why this XXXX inquiries I didn't authorized are still on my credit report when I have done my part. I've check this and reach out to the creditors that I am not aware and have no knowledge with this.

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 2023-06-20 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: NY

Complaint narrative:
I have sent multiple complaints thru CFPB and FTC but I don't see why this XXXX inquiries I didn't authorized are still on my credit report when I have done my part. I've check this and reach out to the creditors that I am not aware and have no knowledge with this.

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 2023-06-20 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft affidavit Please delete the items as soon as possible.

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 2023-06-20 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: IN

Complaint narrative:
Since last year, I have been trying to get two XXXX XXXX accounts ( ending in XXXX & XXXX ), that no longer belong to me, removed from my credit reports without success. As they are no longer joint accounts, I am no longer liable for any of the transactions, charges or balances on these two credit card accounts. 

XXXX XXXX has been notified, both verbally and in writing, multiple times in XXXX & XX/XX/XXXX, while both accounts ( XXXX & XXXX ) were in good standing, to remove me from two credit card accounts as a co-applicant, authorized user, or in any other way even if it meant closing both accounts, which they eventually were. 

Experian has been provided copies of the written correspondence sent to XXXX XXXX  instructing them to remove me from those two accounts. To this day XXXXXXXX XXXX  has ignored all of my attempts and failed to comply with my explicit instructions. 

PLEASE REMOVE THESE TWO ACCOUNTS FROM MY REPORTS NOW. 

XXXX XXXX XXXX XXXX XXXX, IN 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 2023-06-20 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account without any written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: TX

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. 

The letters are stated with items and issues. 

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 explanation
Consumer complaint received 2023-06-20 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: DISCOVER BANK
State: FL

Complaint narrative:
I recently XXXX and paid off all marital debt on a Discover Card and had my name removed. The card is in my ex-wifes name, XXXX XXXX XXXX, but the total amount on the card was put on by her after the card had been paid off and after the divorce. Im not an authorized user of the account and the amount on the card is solely her debt after divorce.

Company response to consumer: Closed with non-monetary relief