vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Equifax has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681 According to the 15 U.S.C 1681 section 602 A. States I have rights to my 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act Experian, XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681 According to the 15 U.S.C 1681 section 602 A. States I have rights to my 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 instruction

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 2022-04-25 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: NV

Complaint narrative:
XX/XX/XXXX Experian, This is merely a paper trail so I can pursue damages in court to take legal action against Experian. I have sent in all the documentation needed to remove this address from my credit report. I have sent certified mail and filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) attaching the documentation as well with those complaints too. XXXX XXXX XXXX, XXXX, OH XXXX is not my address. I have lived in Nevada since XXXX. There are accounts that is attached to this address are : XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX. All these accounts are attached to the above address. I called the fraud department on XX/XX/XXXX and spoke with someone by the name of XXXX. He told me even though I sent in documentation that he still REFUSED to remove the erroneous address and accounts attached to that address on my Experian credit report. I told XXXX it is against the law to leave information on consumer credit report when supporting document has been sent in. Experian has acted like they have never gotten my police report I sent years ago. Experian act as if they never gotten any certified disputes through the mail. XXXX stated I needed to call the companies on my report that is reporting information that does not belong to me. I can not give these companies information that I am not aware of and the companies have not responded to my phone calls to remove information that does not belong to me! The burden of proof is not of the consumers when Identity theft or name mix-up is concerned. Im sure Experian remember this lawsuit below In XXXX XXXX Experian Information Services, the plaintiff XXXX XXXX Experian credit report was merged with another persons, who was deceased but had opened up accounts prior to XXXX being born. XXXX filed an Experian dispute that the account was not his and to remove it. Experian failed to correct the error, and XXXX then sued Experian for violating the Fair Credit Reporting Act and his consumer rights. I have reached out to the law firm of XXXX XXXX XXXX, XXXX. who will be proud to represent me in this situation. 

The lawsuit above is similar to what Experian is putting my through! Stop sending me repeated pre made letters stated verified! It is a lie! Experian did not verify NOTHING! 

Remove the address, remove those accounts attached and send my updated report to : Email : XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX attached police report and bank statement for my address verification

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 2022-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I fell behind with my mortgage beginning in XX/XX/2021. I was able to make some payments in XXXX but not sufficient to reinstate my account to a current status. I removed money from my small retirement account but it was not enough with being delinquent with the utilities and other household bills, including a defunct XXXX unit that required repair/replacement. I was hesitant initially to apply for a loss mitigation, thinking that I could get caught up but fell further delinquent. Upon falling 6 months delinquent, I then received a notification of impending foreclosure status if I did not pay the arrears plus over {$1200.00} in legal fees which I did not have in my possession, nor could secure with a loan as my credit is subpar. I have submitted the loss mitigation documents as of XX/XX/XXXX, where my account has been stagnant and no new activity or status update. I have called at least weekly to check the status my account, however was advised to wait XXXX business days but no new updates have occurred. In addition, I advised of my willingness to attain half of the required balance to reduce the liability however was informed that I must remit the entire balance. As of today, I have reached out several times to gain a status update and advise that no new updates regarding my account have been provided, which increases the possibility of my account moving into a pending foreclosure date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
Hard inquiry appeared on my credit report report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: KEYCORP
State: MI

Complaint narrative:
On XXXX XX/XX/XXXX I received an email from my XXXX account. It reported that my file had been opened even though I had the file locked. I called XXXX and an agent informed me that I should change my username and password. My account had been opened and my data compromised. No one has my password except me. Several credit report requests had been made while the XXXX account was opened. XXXX placed a fraud alert on my file, but a XXXX and XXXX report had been sent out even after the account had been locked and the fraud alert placed on my account. Credit applications were made in my name at XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX and KeyBank. In addition there was a checking account opened in my name at KeyBank. How does this happen without personal presentation of a valid ID or drivers license at t report he bank? Moreover, how did XXXX supply a credit report to KeyBank well after the XXXX fraud alert was placed on my record? XXXX also supplied a report after the XXXX alert. I thought they shared information. I have filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-04-25 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies has violated my rights XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Section 602 A. States that 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.

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 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Charge from XXXX is early cancel fee. In 2016 XXXX was to send me a phone next day - no record and follow up call when phone received advised I would be out of phone for several days possibly a week. They were unable to allow me to acquire the same phone from a store. I had just recently been laid off and a phone was a necessity as I did not and do not now have a land line phone. 

I ported the number to XXXX XXXX XXXX the next day - Saturday, I believe. I attempted to resolve the issue on multiple occasions with XXXX to no end. They would not own up that it was their own actions that resulted in my departure. Jefferson Capital is
attempting to collect on a debt accrued in IL in 2016. The statute of limitations is 5 years. I have attempted to ask they remove the collection from my credit report directly and via XXXX ( only agency reporting the debt ) without success.

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: LEXISNEXIS
State: LA

Complaint narrative:
I submitted a dispute in reference to an account that being reported on my business credit report that doesn't belong to me. It's been over 60 days now and they haven't finish the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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:
My name is XXXX XXXX. I reached out to Experian the credit bureau. Refusing to assist in removing fraudulent activity on Experian 's account. Several inquiries such as XXXXXXXX XXXX XXXXs, Auto loans, House loans, and many more that do not belong to me. I'm a victim of Fraud. Agents will slam their keyboards while talking to me, asked me to file a police report, and refuse to assist me.

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 2022-04-25 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:
Reference Number XXXX. XXXX XXXX Bankruptcy Bankruptcy XXXX XXXXXXXX XXXX ( successfully removed from Transunion and 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 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 non-monetary relief
Consumer complaint received 2022-04-25 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX 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 2022-04-25 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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 2022-04-25 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-04-25 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: NC

Complaint narrative:
Hard inquiry appeared on my credit XXXX report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Hard inquiry appeared on my credit XXXX  report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, DEPT OF ED/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 explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
WAKEFIELD & ASSOCIATES I are trying to collect on a debt that not only did not originate with them but was created with a company I have never received any type of personal services with. They have yet to submit documents of service to support their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I tried several times to get the issue resolved with this company. I am being billed for a service that does not belong to me and it is being reported on my credit. My son was an adult XXXX XXXX XXXX when he was seen there as a patient and I am not the insured on the health insurance. This company is refusing to correct the issue even though that are in violation.

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 2022-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This weekend, I learned that an account I had with Macy 's department store, financed by Citibank, was made an active collection account. This account was included in XXXX XXXX XXXX  almost three years ago. When I contacted the company to learn what happened, I was told I could only obtain information concerning the account if I could provide an account number/transaction amount/last payment amount.

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 2022-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
SUMMARY : ORIGINAL FEDERAL STUDENT LOAN PRINCIPLE {$14000.00} UNPAID FEDERAL STUDENT LOAN AMOUNTS {$10000.00} ORIGINAL PRIVATE STUDENT LOAN PRINCIPLE {$24000.00} UNPAID PRIVATE STUDENT LOAN AMOUNTS {$57000.00} TOTAL COMBINED FEDERAXXXX & PRIVATE PAYMENTS ( Please see attached document ) {$34000.00} Important to note : NAVIENT SET-UP PAYMENT ARRANGEMENTS FOR A DAY AFTER THE PAYMENT DUE DATE AND THEN CHARGED LATE FEES FOR A TIME BEING. 

Federal Student Loans # 1 Original principle {$2600.00} Disbursement date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** Federal receivership in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$2200.00} Unpaid interest {$1.00} Interest rate 2.32 % # XXXX Original principle {$4000.00} Disbursement date XX/XX/XXXX School The XXXX XXXX XXXX XXXX XXXX Federal receivership in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$3800.00} Unpaid interest {$3.00} Interest rate 2.32 % # XXXX Original principle {$4000.00} Disbursement date XX/XX/XXXX School The XXXX XXXX XXXX XXXX XXXX XXXX receivership in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$2400.00} Unpaid interest {$2.00} Interest rate 2.32 % # XXXX Original principle {$2600.00} Disbursement date XX/XX/XXXX School The XXXX XXXX of XXXX XXXX XXXX XXXX in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$1500.00} Unpaid interest {$1.00} Interest rate 2.32 % # XXXX Original principle {$870.00} Disbursement date XX/XX/XXXX School The XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX Unpaid XXXX {$370.00} XXXX XXXX {$.00} Interest rate 2.32 % ___________________________________________________ Private Student Loans # XXXX Original principle {$11000.00} Disbursement date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX of XXXX ** XXXX XXXX XXXX XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX Unpaid principle {$29000.00} XXXX XXXX {$120.00} Interest rate 10.50 % # 2 Original principle {$13000.00} Disbursement date XX/XX/XXXX XXXX XXXXe XXXX XXXX of XXXX ** XXXX XXXX XXXX XX/XX/XXXX Current Owner Navient Private Loan Trust Unpaid principle {$27000.00} XXXX XXXX {$100.00} Interest rate 9.50 %

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: VA

Complaint narrative:
a hard inquiry from XXXX XXXX XXXX XXXX XXXX FINANCE ) XX/XX/2021 I was told by one of the representative to file a identity theft report and contact the credit bureau to report the incident because they can't remove the inquiry from their side. I called the bureau and I was told the same which is to contact the Agency that access my 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