vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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:
XXXX Bank date of vehicle loan origination XX/XX/XXXX in the amount of XXXX. 
Loan paid off by XXXX XXXX XXXX in the amount of {$41000.00} on XXXXOverpayment letter from XXXX Bank in the amount of {$19.00} check # XXXX on XX/XX/XXXX. 
XXXX provided me a printout of my account in the transaction section showing account was paid off on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX mailed me a letter to notify me that they provided the appropriate party with a release of interest document as required by the State as a result of the contract being paid in full. In reviewing my Equifax credit report, XXXX is showing a open balance amount of {$41000.00}. Since XXXX merged with XXXX Bank and the last document I received was from XXXX I went to discuss this matter of concern on XX/XX/XXXX, with XXXX XXXX, Relationship Banker at XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX contacted the loan dept for paid-out loans and was informed that XXXX reports quarterly to the credit bureau XXXX They were not able to give a definite date as to when the credit bureau would be contacted, and the loan amount would be removed as paid in full and closed. On XX/XX/XXXX, I spoke to XXXX XXXX XXXX XXXX Banker at XXXX XXXX XXXX XXXX XXXX XXXX, NC. He stated that he would file an in-house complaint. As of XX/XX/XXXX, the open balance of {$41000.00} remains to show on my Equifax account with no resolution from XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently initiated a bill pay transaction on my Chase checking account it was on XXXX XXXX on XXXX XXXX I realized instead of sending the payment to capital one I sent it to credit one my mistake however I called the bank on the XXXX to do a stop payment and they refused to do it when I call credit one they tell me to do a stop payment or dispute the charge with my bank so now my {$50.00} is in limbo and no one will help I dont quite understand why Chase is not doing this for me especially since I notified them rather quickly the credit one account is closed so its a problem I just want my {$50.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 XXXX Account # XXXX account # XXXX account # 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 consumer reporting agency can not furnish a coount without my written instructions

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 2022-07-19 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: LA

Complaint narrative:
This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX XXXX XXXX ; XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Freedom mortgage continues to provide in inaccurate payment history to Lenders I am trying to refinance. The last payment history Freedom provided shows 30 day late payments for XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached a copy of the inaccurate payment history.

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 2022-07-18 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: FL

Complaint narrative:
On XX/XX/2022 XXXX stated the accounts listed below was properly investigated, which is not accurate because the open dates, are still inaccurate. The date last active is inaccurate, and date last reported is still inaccurate. Due to inaccurate information being reported this is grounds for IMMEDIATE DELETION. XXXX has also violated my rights under 15 USC 1681, Section 604 A Section 2. Which the law stated a consumer reporting agency can not furnish an account with written instructions from the consumer. I have not provided written instruction/permission to furnish these account on my credit profile. Lastly, please advise how you were able to verify and properly investigate my credit file as you claimed, when my credit profiles has a freeze on the Please see credit freeze letters attached. 

Account Name : Account Number # 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX TransUnion stated the accounts listed below was properly investigated, which is not accurate because the open dates, are still inaccurate. The date last active is inaccurate, and date last reported is still inaccurate. Due to inaccurate information being reported this is grounds for IMMEDIATE DELETION. XXXX has also violated my rights under 15 USC 1681, Section 604 A Section 2. Which the law stated a consumer reporting agency can not furnish an account with written instructions from the consumer. I have not provided written instruction/permission to furnish these account on my credit profile. Lastly, please advise how you were able to verify and properly investigate my credit file as you claimed, when my credit profiles has a freeze on the Please see credit freeze letters attached. 


Please correct my address:XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX FL XXXX Account Name. Account Number The XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-07-18 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: FL

Complaint narrative:
I have 3 employers that is incorrect and 2 previous adresses that are incorrect that need to be deleted. Several inquiries that I did not authorize that need to be deleted. I also have several accounts that are not mine and one that I was never late on and one account i want to validate. And one account that says chrge off that is not true.

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 2022-07-18 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: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
I am a victim of ID Theft. I filed a fraud dispute with Chex Systems and they failed to verify the debt and/or provide documents used to verify the debt as allowed per FCRA. 

I filed the dispute online for fraud accounts listed with them and multiple inquires. I filed on fraud accounts listed with XXXX XXXX, and XXXX XXXX. They were sent police report and FTC reports. I contacted them via phone to about the disputed information. I was told that the documents needs to have a handwritten signature. FCRA does not require a FTC or police report to be handwritten or signed. The supervisor refused to remove the fraud account of XXXX XXXX and I was notified it was verified as " accurate ''. I contacted XXXX XXXX to get the documents used to verify the fraud and nothing was provided. I asked Chex Systems to provide me with the documents used to verify the debt and nothing was given and told Im not entitled to anything. That is there policy. 
They are in violation of the FCRA and I am seeking litigation against them and will seek all damages allowed by law. They need to remove the FRAUD ACCOUNT AND INQUIRIES that were disputed and send me an updated copy of my report. I was told if it was signed it would be removed immediately. I have the conversation recorded for legal purposes. 

Chex Systems is not following FCRA guidelines for disputes or providing documents as requested to show the reason why an account was verified. 

XXXX XXXX has no documents to show ownership. They have no copies of and ID or SS card. No signature on file, fraud address was used to open the account. Account closed checks from other parties were used in this account.

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 2022-07-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX EMPLOYER : XXXX XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Duncan Solutions, lnc.
State: LA

Complaint narrative:
As a federally protected consumer, I am highly disappointed and unsatisfied with Professional Account Management LLC. My name is XXXX XXXX and I am making this complaint against Professional Account Management LLC for committing identity theft. I have no recollection of authorizing or giving Professional Account Management LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Professional Account Management LLC and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Professional Account Management LLC any right to collect on this alleged debt. I have also never received any documentation requesting validation from Professional Account Management LLC before they decided to commit multiple federal violations under the Fair Debt Collection Practices Act. If Professional Account Management LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, this has been a fraudulently and unauthorized fraudulent account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Professional Account Management LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If this documentary evidence can not be produced and Professional Account Management LLC continues its collection efforts, I will file for litigation and Professional Account Management LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX CT XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Brown and Joseph, Ltd
State: VA

Complaint narrative:
Brown & Joseph , LLC created an email and sent it to family members telling them its for debt collection. Mass generated email of relatives and sent the bill to be paid and how to pay to rest of the family. It is a clear violation of privacy and collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
My serviced is Nelnet. They have told me that my account is past due, when logging on to their system, it says that my account is not due until XX/XX/XXXX. They said my IBR recertification has expired, but I have filled out 4 this year and have even use the IRS retrieval tool. I have certified that I dont need to file a tax return because I dont have taxable income. Im on a {$0.00} IBR payment schedule. When logging in, it says on my account that I am still in this program. I have also certified on student aid.gov and it says on there that Im not due for recertification until XX/XX/XXXX and that if I sent in another, it would not be verified. It says that Im current on the Nelnet online account as well, but they have reported me 90 days late on nine accounts to all three credit bureaus. I also am applying for PSLF loan forgiveness and IDR forgiveness because almost all of my loans are over 20 years old, and I was in different plans while in the military. I had applied for loan consolidation, but no one had any guidance or answers on how to deal with my situation, so the company told me to hold off on consolidating so that my loans would show how old they are. Ive waited and kept communicating trying to figure out what I should do, I have sent several emails to XXXX, Nelnet, and student aid.gov looking for guidance on how to deal with the situation. I understand that everyone is overwhelmed with the new rules, but reporting me late, when on their website it says I dont even have a payment due until XXXX is life ruining. It has dropped my credit XXXX points during a crucial time in my life while trying to refinance my home loan. I need this fixed ASAP. Im not late on my loan, and my payment would have been {$0.00} regardless, and Im also waiting for an answer on forgiveness in which I should not have to pay during that time according to the forms. Also, the system has informed me several times that interest and payment forbearance had been extended to XXXX as well. Im so confused and upset that they could do this and destroy my credit that I have spent the last 7 years building in order to get back on my feet. I am sending in another IBR application today via email and fax, but by all accounts, Im not due for it, or past due. Please help rectify the situation, and get them to remove this off my credit report, before they cause me to lose my house because I wont be able to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: NY

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$590.00} Balance {$590.00} Highest Balance {$590.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX Account 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

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 2022-07-18 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: NY

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$590.00} Balance {$590.00} Highest Balance {$590.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount 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

Company response to consumer: Closed with explanation