vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
an incident occurred where my personal information was stolen from the data and unauthorized inquiries were made on my credit. I noticed this fraudulent activity and immediately took action by contacting the affected companies. i never got a response. so i decide to start all over with the process.My XXXX XXXX was used to charge online

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 2023-07-12 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: FL

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 XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take 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 several 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 2023-07-12 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: TX

Complaint narrative:
I CALL THE FRUAD DEPARTMENT SEVERAL TIMES BUT THEY KEEP TELLING YOU HAVE TO SUBMIT A CFPB REPORT IN OTHER FOR THEM TO DELETE AN UNAUTHORIZED XXXX I WRITE THEM SEVERAL TIMES BUT THEY ALWAYS REPLIED ACCOUNT VERIED WITH NO PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: GA

Complaint narrative:
Requested credit bureaus that old and inaccurate addresses be removed on XX/XX/XXXX and XX/XX/XXXX Information has never been removed and my information is getting confused with consumers of old/inaccurate addresses. As per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports all of my addresses, DOB, and names must be accurate, and I have sent my official documentation to all credit bureaus.

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 2023-07-12 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: I.C. System, Inc.
State: LA

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the XXXX XXXX XXXX and XXXX XXXX and their debt collection company, IC systems Inc., concerning their fraudulent billing practices and subsequent reporting of these bills to credit reporting agencies. The XXXX and XXXX XXXX 's deceptive actions have resulted in significant financial harm to the residents of XXXX XXXX. 

I wish to bring to your attention a series of articles that highlight the fraudulent practices of the XXXX XXXX XXXX and XXXX XXXX over the past five years. These articles present substantial evidence of the board 's deliberate misrepresentation and deceptive billing practices. Please find the relevant links below : Article 1 : XXXX XXXX  XXXX Article 2 : XXXX XXXX XXXX Article 3 : XXXX XXXX XXXX Article 4 : XXXX XXXX XXXX Article 5 : XXXX XXXX XXXX These articles demonstrate numerous instances where the Sewerage and Water Board has sent fraudulent bills to the Citizens of the city of XXXX XXXX and subsequently reported these false debts to various credit reporting agencies. These actions have inflicted severe financial hardship, damaged credit histories, and imposed unwarranted negative consequences on innocent individuals. 

As a victim of the Sewerage and Water Board 's fraudulent billing and reporting, I have personally received inaccurate bills, which were then reported to credit reporting agencies without any valid basis. These erroneous reports have significantly impacted my creditworthiness and caused significant distress. 

I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into the fraudulent billing and reporting practices of the XXXX XXXX XXXX and XXXX XXXX. It is essential to hold the board accountable for their deceptive actions and prevent further harm to the residents of XXXX XXXX. 

Furthermore, I urge the Consumer Financial Protection Bureau to take appropriate measures to rectify the damage caused by the Sewerage and Water Board 's fraudulent practices. This should include enforcing penalties, facilitating the removal of inaccurate information from credit reports, and implementing safeguards to prevent future occurrences. 

Should you require any additional information or have any questions regarding this complaint, please do not hesitate to contact me. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address the fraudulent billing and reporting practices of the XXXX XXXX XXXX and 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 2023-07-12 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-07-12 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX, XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized EXPERIAN BUSINESS CRED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 explanation
Consumer complaint received 2023-07-12 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: FL

Complaint narrative:
XXXX keep reporting 2 inaccurate address and they wont remove the address in question. and not only is it hurting me but its being sent to the credit card companies

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 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My car was stolen in the month of XXXX and I was unable to make my car payments to my lender at Ally Auto due to the financial hardship I was then told that my insurance company XXXX was going to pay Ally Auto the remainder that I owed on the car due to it being totaled. XXXX was having issues with the adjusters and sent the check to them late but they stated they have received it and it shows clear on their end.

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 2023-07-12 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/ Delete 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 2023-07-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-07-12 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:
Experian is reporting my personal non public private information as a consumer credit profile without express written or verbal consent which is in fact identity theft. I asked them to cease inaccurate reporting of my personal information and was denied. They continue to report anyway pursuant to 15 usc 1681 this is illegal and they are reporting knowingly and willing false and misleading information.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I used XXXXXXXX XXXX  XXXX preferred credit card to pay off Bank of America credit card in the amount of XXXX. I have been trying to resolve the fact that the funds have never been credited to my Bank of America Visa. XXXXXXXX XXXX unfortunately sent it to a wrong account number that did not even exist according to Bank of America. I have been struggling to see where those funds are ever since I noticed it was not credited to my Bank of America account. I have had numerous phone calls to both XXXX XXXX and Bank of America and I can not seem to resolve this issue since early XXXXXXXX XXXX XXXX has sent me proof of the funds being transferred but Bank of America tells me first that they never received the money and later says that the funds were returned. I have sent Bank of America a certified letter asking to please inform me when the funds were returned and to which account and if there is any transfer number I could give XXXXXXXX XXXX proving it was returned. Bank of America has not reached out at all to my request. I need help finding out what happened to those XXXX. I do not believe I am responsible for something I never received. Please help me find out where this amount that was transferred to since I surely do not have it, yet I am being billed for it. Thank you

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 monetary relief
Consumer complaint received 2023-07-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX got a decision from your company they didnt like. when I disputed fraud charges now XXXX put charges of XXXX on a XXXX card, that was shut off in XXXX. When i filed the original dispute against XXXX dispute. 
Through experian they are lowering my good credit standing daily for a XXXX charge on a card that I did not authorize, on a card that has been turned off since XX/XX/2023. I turned off all 3 of my XXXX XXXX  cards in XXXX, and I notified all 3 credit reporting agencies the cards are closed. when I found fraud with their company with my XXXX XXXXXXXX XXXX   account. 
Experian knows the card was turned off when XXXX presented a false charge of XXXX. 
Experian is lowering my credit rating daily. On a charge I didn't authorize on a card I registered with then to be 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 2023-07-12 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: FL

Complaint narrative:
Greetings, On XX/XX/2023 I mailed a personal information letter to TransUnion in reference to incorrect information on my consumer report. I also quoted 15 USC 1681 ( a ) ( 4 ) in reference to a consumer 's right to privacy. 
I asked for my name, address and phone number to accurately displayed on my report. 
Also I asked for my employment to be removed as well. 
Everything was corrected but they refuse to remove the inaccurate addresses that are currently on my consumer report. 
I in return sent a second letter on XX/XX/2023. Once again asking for the wrong addresses to be deleted. 
I also included an arbitration Opt-Out letter as well.

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 2023-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CT

Complaint narrative:
I have reached XXXX out of the XXXX payments needed for XXXX. I asked ( via telephone ) Mohela to describe the next steps in writing and they stated they refuse to document this process in writing and I am also " not allowed '' to confirm the next steps with the Department of Education. ( e.g. I can not contact the DOE to confirm that Mohela has sent my case to the DOE to confirm my counts ). Additionally, I was told to wait the XXXX business days before any progress can be confirmed. Yet again another example of Mohela purposely stalling this process.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I CONTACTED CAPITOL 1 CREDIT SERVICES IN REGARDS TO REDUCING OR REMOVING HIGH INTEREST RATE COST DUE TO DELAYS IN WORK DURING COVID AND REDUCTION OF INCOME. THEY DENIED ASSISTANCE WITH MY REQUEST WHICH HAS CAUSED DELAYS AND LATE CHARGES BEEING ADDED. DUE TO INCREASES MY MONTLY PAYMENTS ARE EXTREMLY HIGH AND MOSTLY GOING TWARDS INTEREST AND NOT THE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: WA

Complaint narrative:
Company sent me to collections but I have no debts with anyone at this time. There was no attempt to contact me.

Company response to consumer: Closed with non-monetary relief