vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX and TransUnion, has violated my rights. 

15 USC 1681 Section 602 states- I have the right to my privacy.

15 USC 1681 Section 604 A Section 2 states- A consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B- A creditor may not treat a Paton a credit card account under an open end consumer credit plan as late for any plan.

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 2023-03-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, Equifax and XXXX, has violated my rights. 

15 USC 1681 Section 602 states- I have the right to my privacy.

15 USC 1681 Section 604 A Section 2 states- A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B- A creditor may not treat a Paton a credit card account under an open end consumer credit plan as late for any plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: IL

Complaint narrative:
My information is being traffic!! ( see attached ) BECAUSE OF YOUR FAILURE TO PROTECT MY NON-PUBLIC PRIVATE INFORMATION companies are now taking my likeness, my personal federation protected private information and are assembling a consumer report that is supposed to reflect who I am all without my consent all without my authority in so present now I am unable to get credit card, home loans, and suitable employment.

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 2023-03-11 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: IL

Complaint narrative:
My information is being traffic!! ( see attached ) BECAUSE OF YOUR FAILURE TO PROTECT MY NON-PUBLIC PRIVATE INFORMATION companies are now taking my likeness, my personal federation protected private information and are assembling a consumer report that is supposed to reflect who I am all without my consent all without my authority in so present now I am unable to get credit card, home loans, and suitable employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Experian, XXXX and XXXX, has violated my rights. 

15 USC 1681 Section 602 states- I have the right to my privacy.

15 USC 1681 Section 604 A Section 2 states- A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B- A creditor may not treat a Paton a credit card account under an open end consumer credit plan as late for any plan.

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 2023-03-11 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: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
After receiving a loan denial I decided to check my credit.

Prestige Financial has been reporting erroneous information to the three major credit bureaus. The company has been reporting and increasing outrageous amounts that are false and is causing financial difficulties. The account with Prestige has been closed and charged off since 2016.

The company took the debt to civil court and was awarded a judgment in the amount of XXXX. 
Prestige has continued to report a high balance of {$28000.00} and the amount is climbing every month. 

These reporting are false and fraudulent and is causing financial difficulties. 

I no longer have an open account with this company I dont see how they are legally allowed to report increasing balances per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: FL

Complaint narrative:
I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX & XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX, & XXXX written permission to furnish these accounts. 
15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A
) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance to 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. 

Account name : XXXX ACCOUNT NUMBER XXXX has violated my rights Account name : XXXX ACCOUNT NUMBER XXXX has violated my rights Account name : XXXX  ACCOUNT NUMBER XXXX has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: FL

Complaint narrative:
I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, XXXX & Experian is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX, Experian, & XXXX written permission to furnish these accounts.

15 USC 1681 section 602 A States I have the ri

ght to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account wit
hout my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance to 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. 

Account name : XXXX ACCOUNT NUMBER XXXX has violated my rights Account name : XXXXXXXX  ACCOUNT NUMBER XXXX has violated my rights Account name : XXXX  ACCOUNT NUMBER XXXX has violated my rights

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 2023-03-11 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Address is incorrect an someone is using my social to get credit cards an loans

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 2023-03-11 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: NY

Complaint narrative:
XXXX XXXX XXXX is listed on my credit report for {$230000.00} Highest balance {$150000.00} but as per attached and other court filed documents XXXX XXXX XXXX owns this debt and is 1st lien NOT XXXX XXXX XXXX. Equifax keeps saying that XXXX XXXX XXXX has verified that the debt belongs to me but attached court document shows that the debt belongs to XXXX XXXX XXXX NOT XXXX XXXX XXXX. 

I need Equifax to DELETE/REMOVE XXXX XXXX XXXX from my credit report. 

Equifax must provide me with ALL verification information that it receives from XXXX XXXX XXXX because this information from Equifax will be presented in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
The phone got purchased a year ago, the company didnt inform me how much monthly payments would be. They kept sending me bills even when the phone wasnt In use. It was three bills one was 100 something the other was 200 something and the last one was XXXX. I was a couple months late paying it because of the ridiculous amount plus being blind sided and it ended up on my credit report.The account is also closed.

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 2023-03-11 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: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
My credit report shows the balance if I continue making minimum payments for the entire loan term but it doesnt show the payoff amount, in other words its showing more than what was borrowed including all interest and fees. 
My monthly statements also show this and not the payoff amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This can not be correct. I've already paid this debt with another collection agency, and when I was close to paying it off completely, my debt went to another collection agency, and now the balance is {$1300.00}. My credit score has dropped XXXX points! I've worked really hard to increase my credit score over the last two years, and for this happen is appalling. 

XXXX XXXX XXXX XXXX XXXX Account # 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 2023-03-11 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This account has been on my credit report for 8 years and it is far past the statute of limitations!!! They refuse to remove this account from my credit report and report it with new dates to keep it on 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 2023-03-11 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: 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 1

681.XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I h

ave 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 accoun t 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 non-monetary relief
Consumer complaint received 2023-03-11 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. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXXXXXX 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 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 2023-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604 A section 2 It also states consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 V a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: LA

Complaint narrative:
Collection agency Security Credit Services Last reported XX/XX/2022 Account status last reported as Opened XX/XX/2022 This collection agency is reporting this account incorrectly. This account is being reported as open. A collection by default is late, therefore there should be no balance, past due or otherwise on this account. This company can not produce the trilateral contract that I have with them. The debt has already been brought. I have filed a dispute due to this collection agency reporting on this account incorrectly. Commerce law 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After receiving a loan denial I decided to check my credit. 

XXXX XXXX has been reporting erroneous information to the three major credit bureaus. The company has been reporting and increasing outrageous amounts that are false and is causing financial difficulties. The account with XXXX has been closed and charged off since 2016. 

The company took the debt to civil court and was awarded a judgment in the amount of XXXX. 

XXXX has continued to report a high balance of {$28000.00} and the amount is climbing every month. 

These reporting are false and fraudulent and is causing financial difficulties. 

I no longer have an open account with this company I dont see how they are legally allowed to report increasing balances per month.

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 2023-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
In late XXXX of XXXX, we were notified by XXXX XXXX ( our old loan servicer ) that our loan had been sold to Mr. Cooper is the midst of a loan modification with our first payment being due XXXX XXXX, XXXX. We made our first payment to XXXX XXXX on XX/XX/XXXX, which was placed into the suspense account and transferred to Mr. Cooper. 
In our last complaint, Mr. Cooper responded they properly applied our XXXX payment made to XXXX XXXX  properly to our new account with Mr. Cooper. That being said, in XXXX, when Mr. Cooper finally booked our loan, a payment was lost through an accounting or fund allocation error, and we were notified we were due for two months of payments, although we had made all our payments on time. We submitted several complaints over the last nine months through conversations with several Mr. Cooper representatives saying they would look into the issue, fix it, and get back to us, with no phone calls ever received back other than harassing ones about our account being supposedly past due. 
Here we are supplying proof of all our payments since beginning our servicing with Mr. Cooper, including all bank records proving the payments cleared our account and were received by Mr. Cooper. This is indisputable evidence that an error has occurred and needs to be corrected. For a federally backed loan, an issue such as this should, firstly, never occur and, secondly, be addressed in a more appropriate and thorough manner. I am very disappointed that I, with minimal accounting experience, can see the error when professionals can not.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation