vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: OH

Complaint narrative:
I asked the credit company to remove and old addresses connected to my credit report and nothing has happened. I would like for this to be done immediately. Thanks in advance

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 2022-11-03 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: OH

Complaint narrative:
I asked the credit company to remove and old addresses connected to my credit report and nothing has happened. I would like for this to be done immediately. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: PA

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 I am filing this complaint for 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 non-monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) held the mortgage on my brother 's home. The mortgage payment was deducted from his credit union account monthly. Without any notification, XXXX stopped withdrawing money in XX/XX/2022. In XX/XX/2022, XXXX " sold '' the mortgage to Specialized Loan Servicing ( SLS ). Neither XXXX nor SLS contacted my brother to advise him of the change. 

In XX/XX/2022, I called his credit union to ask some questions about his mortgage. They told me they no longer paid it and suggested that I call XXXX XXXX. Because I am not on his account, XXXX XXXX could not give me specifics but the rep gave me a number for SLS. On XX/XX/2022, I spoke with a rep who said the loan was in default since nothing had been paid since XXXX. I sent a personal check to SLS for {$3300.00} to cover the XXXX through XXXX mortgage. The check was deposited into a XXXX XXXX Bank account. When I called SLS today ( XX/XX/XXXX ), the rep told me that they had not received the check and I should send a copy of the front and back of the check to customer.support@sls.net and then call him back on XX/XX/XXXX to see whether the check had posted. 

I believe XXXX purposely stopped collecting the monthly mortgage payment so that my brother was shown as defaulting on the payments and they could turn that account over to SLS, which is a collection agency. The terms of the mortgage are not supposed to change when a mortgage is sold but his rate went from 3 % to 7.75 %!!

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 2022-11-03 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: CA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
In XXXX of XXXX, I was the victim of financial fraud facilitated primarily through my Apple card linked to my XXXX. Someone gained access to my card and rung up $ XXXX in charges. 

Upon reporting fraud to apple, they locked down my XXXX account, which blocked me from accessing the Apple card, as the only way to see the card balance or make payments is through the apple wallet app, associated with the XXXX account. 

I reported this fraud to Goldman Sachs, who services the account for Apple, and they were able to reverse the charges. Goldman Sachs then advised me in a call a few days later ( on a recorded line ) that the account balance was {$0.00} and the account was closed and there was nothing more I needed to do. My credit report was updated in XXXX to reflect this and the account is still showing as closed. 

Now however, Goldman Sachs reporting a balance to the credit report and is continuing to charge interest on it, in contrast to what they already advised me and what they previously reported to the credit agencies. 

I am now left in a situation where Goldman is trying to collect on a balance they previously told me was gone, charging me interest on that balance, and not providing normal avenues for payment. Goldman Sachs has been unwilling to provide me an account number, or any information on how I can access the account, and has left me with no way of resolving the issue. 

As of now, in the month of XXXX, they have reported an increase to the balance of the account that is supposed to be closed and it is now negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: TN

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 U.S.C 1681. 

( XXXX ) Dept of educationXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Dept of educationXXXX # XXXX Dept of education/XXXX # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX Dept of Ed/XXXX # XXXX Dept of EdXXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agencies CAN NOT furnish an account without my written instruction and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that 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. 

15 U.S.C 1681b-2 States permissible purpose must be given to corporations to report any information on the consumer.

15 U.S.C 1681a-2 ( A ) ( 1 ) States that the transactions and experiences between the consumer and the person making the report is not to be included on the consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: TN

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 U.S.C 1681. 

( XXXX ) Dept of educationXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Transunion ) Dept of educationXXXX # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX XXXX XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX XXXX XXXX Dept of education/XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX  XXXX XXXX Dept of Ed/XXXX # XXXX Dept of EdXXXX # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agencies CAN NOT furnish an account without my written instruction and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that 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. 

15 U.S.C 1681b-2 States permissible purpose must be given to corporations to report any information on the consumer.

15 U.S.C 1681a-2 ( A ) ( 1 ) States that the transactions and experiences between the consumer and the person making the report is not to be included on the consumer 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 2022-11-03 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: TN

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 U.S.C 1681. 

( Experian ) Dept of educationXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX ( XXXX ) Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/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 Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX # XXXX Dept of Ed/XXXX XXXX XXXX Dept of Ed/XXXX  # XXXX Dept of EdXXXXXXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/NelNet # XXXX Dept of Ed/NelNet # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/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 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agencies CAN NOT furnish an account without my written instruction and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that 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.

15 U.S.C 1681b-2 States permissible purpose must be given to corporations to report any information on the consumer.

15 U.S.C 1681a-2 ( A ) ( 1 ) States that the transactions and experiences between the consumer and the person making the report is not to be included on the consumer 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 2022-11-03 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I being over charge for a service that I didn't know it was putting on my home, I ask XXXX XXXX for service.They came and put XXXX satellite on my home, when I went to paid my bill they said it was XXXX different bill, dish and XXXX, which I didn't agree, I was not tell about this XXXX service, I stay with XXXX and now XXXX is charging me to debt collector {$560.00} technical came and put channels that I didn't ask for, now they give me a penalty, they lie to me and don't gave me the correct Information and keep it for there self, I found out on XXXX, and extra charge of dish. Please help me my credit is good and they want to XXXX 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 explanation
Consumer complaint received 2022-11-03 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: Thaxton Investment Corporation
State: KY

Complaint narrative:
Between the months of XX/XX/2022 through XX/XX/2022 i received email notifications that my social security was compromised and was on the dark web. I ignore it thinking it was spam however it was sent to my inbox. I received another email stating that my social security was compromised again and was on the dark web. I soon put a freeze on my credit report until i find answers on what with my social security being compromised. I temporarily lift the freeze and once again another inquiry on report again. I have not authorized any of these inquires. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX  XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts are have supposedly been investigated & re-investigated and they are still inaccurate and some even keep coming off and reappearing, this is ridiculous and I still havent received proof in the mail that a proper investigation or re-investigation was done by law According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. PXXXX XXXX XXXX account # XXXX. XXXX XXXX  account # XXXX XXXX XXXX XXXX accounts # XXXX and # XXXX If you cant provide proof by law as listed above, then by law you are required to IMMEDIATELY AND PROMPTLY DELETE THESE ACCOUNTS FROM MY CREDIT REPORT PERMANENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
These accounts are have supposedly been investigated & re-investigated and they are still inaccurate and some even keep coming off and reappearing, this is ridiculous and I still havent received proof in the mail that a proper investigation or re-investigation was done by law According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX  account # XXXX XXXX XXXX XXXX accounts # XXXX and # XXXX If you cant provide proof by law as listed above, then by law you are required to IMMEDIATELY AND PROMPTLY DELETE THESE ACCOUNTS FROM MY CREDIT REPORT PERMANENTLY

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