vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: NC

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 Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX violated my rights. 
XXXX Account # XXXX has violated my rights 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 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 make any consumer report containing any of the following items of information Any other adverse item of information< other than records of conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
Back in 2018, I found out someone was using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
Back in 2018, I found out someone was using my identity.

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 2022-04-18 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: AL

Complaint narrative:
In accordance with Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX-Bankruptcy # XXXX has violated my rights. 
XXXX-Bankruptcy # XXXX has violated my rights. 
XXXX-Bankruptcy # XXXX has violated my rights. 
TransUnion-Bankruptcy # XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without written consent.

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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
For the last month after making payments on my account, The company goes in and makes a comment or removes a comment and my credit drops XXXX to XXXX Points. 
The account is closed and they are taking advantage of me my credit and the Negligent law with peoples credit reports. 
I called two weeks ago and they had to correct the issue now Im calling again because it dropped another XXXX points. I am in the middle of purchasing a home and this is very unacceptable.

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 2022-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
GM Financial I paid off my auto loan on XX/XX/2022. They stated that it would take up to 17 days to receive the loan payoff. 
They confirmed on XX/XX/XXXX that the lien satisfaction/ payoff was mailed to my address of residence on XX/XX/2022. 
As of Saturday XXXX, XXXX, XXXX  The letter has not come. 
They send I can request a duplicate title via a web site, only after update and that takes up to be available, in this case XX/XX/2022. 
Please note this is a motorized document that they send USPS with no delivery confirmation or Tracking!??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
This account is not mine and should not be on my credit report. I filed bankruptcy on this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: IN

Complaint narrative:
I have sent certified letters to all parties on XXXX XXXX and previously before that when I finally check my credit report I noticed that they was reporting Accuracy information on my credit report that is hurting my credit. I sent this letter stating. 

I have never signed a hippa relive form authorizing them to place this on my credit report. ledge XXXX XXXX {$4100.00}. XXXX vehicle XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. The three bureaus are reporting inaccurate information the errors on my report are different from each bureau Therefore these are inaccurate and are HIPAA violations.And I want these immediately deleted. HIPAA laws protect my personal medical information from being used without my consent and you are now a where of these HIPAA violations deleted immediately.

And auto loan inaccuracy 15 U.S.C1681b ( a ) 2 law violations And still they not removed Also not to mention XXXX XXXX  amount on my credit report is inaccurate 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 non-monetary relief
Consumer complaint received 2022-04-18 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have sent certified letters to all parties on XXXX XXXX and previously before that when I finally check my credit report I noticed that they was reporting Accuracy information on my credit report that is hurting my credit. I sent this letter stating. 

I have never signed a hippa relive form authorizing them to place this on my credit report. ledge XXXX XXXX {$4100.00}. XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. The three bureaus are reporting inaccurate information the errors on my report are different from each bureau Therefore these are inaccurate and are HIPAA violations.And I want these immediately deleted. HIPAA laws protect my personal medical information from being used without my consent and you are now a where of these HIPAA violations deleted immediately.

And auto loan inaccuracy 15 U.S.C1681b ( a ) 2 law violations And still they not removed Also not to mention XXXX XXXX  amount on my credit report is inaccurate as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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 XXXX XXXX  and Account # XXXX XXXX XXXX XXXXXXXX XXXX have 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 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-18 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: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
Milestone reported XXXX balance and as over the limit. There was an issue with their computer showing an incorrect balance due that was fixed later that same day. My balance is XXXX. 

I have filed disputes with all 3 bureaus several weeks ago and Milestone didn't respond to them. I have called milestone numerous times and they don't want to fix the error until next month. 

Attached is proof of my balance being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
After a routine credit report assessment on XX/XX/XXXX, I noticed an account in collections with the account name THE CBE GROUP. The status noted, Collection account. {$230.00} past due as of XX/XX/XXXX. I was unaware of this account, and the details under the account list XXXX XXXX  ( Retail ) as the Original Creditor. Doing a web search notes that this company is linked with XXXX XXXX, or XXXX. I am not a XXXX  subscriber, and I can only assume that this debt was incurred by my ex-spouse, whom Ive divorced in XXXX. As far as I know, my ex-spouse resides in the state of XXXX, and I have not lived in XXXX  since XXXX, as I now live in the state of XXXX. I filed a dispute with XXXX on XX/XX/XXXX, and the dispute was resolved and removed from my XXXX credit report. The dispute still shows up on my XXXX and XXXX credit reports, so I disputed this account with both credit bureaus on XX/XX/XXXX. As of this writing, the dispute filed with XXXX is still pending investigation. However, as of this writing, XXXX noted that they attempted to dispute this collections account with THE CBE GROUP and that THE CBE GROUP verified that this information was correct, and subsequently my responsibility. This information is false, and this debt is not mine, nor do I have any confirmation of what this account is tied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the attempt to fix my credit. I have had items removed and I also had items added to increase my score. I'm filling this dispute with you. Because my score is not being updated properly by the following bureaus XXXX and Experian. I have made arrangements for student loans to be removed from my credit and they are removed on one bureaus and not the others. I have also added lines of credit to my credit and again there only reporting on one bureau not the others. I have reached out to each individual bureau and they all have not been able to give me and answer for what's going on. On XXXX it shows all of the credit lines I have added to my credit. But it doesn't show the removal of the student loan and the other to site that don't show the lines I added but they show the removal of the student loans. I am very frustrated because I have put a lot of time and effort into trying to repair my credit and it seems to no avail. Can you please help me resolve this matter?

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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On my credit reports, there are multiple names, phone numbers, and house addresses that do not belong to me. I have tried to get the items removed to better my credit, but I was unable to. I called XXXX, Equifax and XXXX. Neither one of those companies obliged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Filing a complaint against TransUnion!!!! 

This is my third time disputed incorrect information on my credit account with credit bureaus and they still have not removed incorrect these accounts from my credit file. I need the following accounts removed/deleted from my credit report immediately due to incorrect information. I am a victim of fraud. 

Company/Accounts : 1 ) XXXX XXXX XXXXXXXX 2 XXXX XXXX XXXX  XXXX 3 ) XXXX 4 ) XXXX XXXX  5 ) XXXX  XXXX ( Last four ending : XXXX ) Note : my correct mailing address is XXXX XXXX XXXX XXXX, LA XXXX XXXX However, these accounts have an associated listed address that is not my address ( fraud ). 

TransUnion Fraud Specialists XXXX and XXXX XXXX both have promised me these account would be removed on XXXX XXXX XXXX, but to this day, they are still erroneously listed on my credit report. 

Please help!!!! TransUnion keeps repeating disputes that are time consuming with no results stating they can not delete or remove incorrect information from credit files. 

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 2022-04-18 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

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 : 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 2022-04-18 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: AL

Complaint narrative:
In accordance with the fair credit act. 
The list of accounts the list below has violated my federally protected consumer rights to privacy and confidentialality under 15 usc 1681. 
XXXX has violated my rights 15 usc 1681section 602 A.

15 usc 1681section 2.

15 usc 1681c. ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) All have been violated against me thats fair in my life.

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 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: MO

Complaint narrative:
Gc services limited partnership, It is not my intention to inform you of the rights of a federally protected consumer, however, it is my duty to bring notice when youre in violation. The FDCPA makes it clear, for those of us with the capacity to overstand, that communication between a debt collector [ 15 u.s.c. 1692a ( 6 ) ] and a consumer can only happen with prior consent. Before any sort of communication is even allowed to take place, there needs to be permission granted [ 15 u.s.c. 1692c ( a ) ]. One can not hide behind any implications or presumptions when it is clear that permission has to be given directly to the debt collector. 

Cease and desist all forms of communication to the above name, XXXX XXXX XXXX. Reporting to any credit bureaus is an attempt to communicate and/or collect a debt which would also be a violation. For every FDCPA violation, there is a {$1000.00} fee I would be happy to collect, but strongly urge we operate in good faith. 

I take my rights seriously. While this is not a promise I wont pursue remedy for the violations you have already incurred by this communication, I strongly urge you to refrain from any negative reporting to my credit. Any provision of this section that lacks compliance entitles me to actual damages 15 u.s.c. 1692k ( a ) ( 1 ). Defamation of character in my line of work is priceless and would advise against it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX  reported XXXX balance and as over the limit. There was an issue with their computer showing an incorrect balance due that was fixed later that same day. My balance is XXXX. 

I have filed disputes with all XXXX bureaus several weeks ago and XXXX  didn't respond to them. I have called milestone numerous times and they don't want to fix the error until next month. 

Attached is proof of my balance being 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 2022-04-18 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX reported XXXX balance and as over the limit. There was an issue with their computer showing an incorrect balance due that was fixed later that same day. My balance is XXXX. 

I have filed disputes with all 3 bureaus several weeks ago and XXXX didn't respond to them. I have called milestone numerous times and they don't want to fix the error until next month. 

Attached is proof of my balance being 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 2022-04-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a completed investigation of a bankruptcy record on my consumer report in which I have asked Equifax to provide me with it's description of investigation in accordance with FCRA 611 ( a ) ( 7 ) .According to the letter received on XX/XX/22 confirmation # XXXX ( See Attached ) Equifax stated that the record was received from " XXXX XXXX ''. As of XX/XX/22, XXXX XXXX has certified that no record of a bankruptcy is present in my consumer file and they have provided me with an 80 page report in which I have reviewed thoroughly along with my attorney. Please see the attached letter ( Case # XXXX ) .Equifax has violated the FCRA law and therefore must remove this record from my consumer report. Equifax has failed to provide proof of the completeness and accuracy of this disputed record and therefore this record must be deleted as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax was informed of dispute with XXXX  credit card balance and was not resolved. I currently have open complaint about that company with the CFPB and I'm including proof of balance being XXXX... there was a glitch on the computer system for XXXX  and they reported an over limit balance of XXXX. 

Copy of this is being sent to XXXX

Company response to consumer: Closed with explanation