vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, my name is XXXX XXXX and Equifax is reporting a XXXX delinquent account on my credit report and this is not mine. I have filed out 2 FTC reports and have asked Equifax to validate this debt as I believe my identity as to be compromised as I was exposed on the dark web breach of XXXX  and they have yet to respond back to me. They claim to have removed it however, nothing changes to where it gets put right back on with no investigation results being sent to me or explanation on to what this debt is or where it came from. Please see all the following documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
According to the government, loans are supposed to be brought current and with no reporting of default or delinquency. You all are still reporting delinquencies from closed accounts from 7 years ago. I need these delinquencies off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion LLC, Failed to Properly Investigate Inquiries they Placed on MY Credit Report. And Then Deleted it When I Demand a Proper Investigation. Causing me to be Denied Credit To Buy My Equipment for my Business. DELETION IS ADMISSION. By Willfully Placing and Deleting Those Inaccurate and Erroneous Inquiries on myCredit Report. I am willing to settle your Civil Liability Damages that I have suffered as a Result of your Violation for {$1000.00} Each!!! Pursuant to FCRA 616 ( a ) ( 1 ) ( b ) 15 USC 1681 ( N ) Should you fail to Settle the matter by tendering Payment in the Amount of {$8000.00} Within 10 Ten Calendar Days Receipt of this Notice and Demand. I will seek Actual Damages Whicever is Greater than {$8000.00}. I will be Attaching the Denial Letters too.

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account number # XXXX And US DEPARTMENT OF EDU Account number 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also they do not have any permissible purpose to furnish my person information to any third party 15 UCS 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number # XXXX And US DEPARTMENT OF EDU Account number 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also they do not have any permissible purpose to furnish my person information to any third party 15 UCS 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was checking my credit report and I see these accounts that were not made or authorized by 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 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
Dear CFPB, Today I have asked Zwicker & Associates to cease and desist from contacting me and to date XX/XX/2022 they are still sending threatening letters and communication regarding a debt that was part of identity theft. They sent to me a docusigned document that I have no recollection of even completing nor signing. I say to myself if I received the alleged amount I wouldn't have any debt at all and there is more than one account that was created summing a lot more total dollars. 

I received a letter from the IRS on XX/XX/2022 Integrity & Verification Operations, Program Manager which gets no more legal than this. I am still being plagued by identity theft and have since been instructed by the IRS to contact the three bureaus, local police and in this case my name was signed the same way. It's obvious that it is east for anyone to create accounts make payments etc.., According to the IRS agent they had my bank account information and address etc..in which they did an entire tax return and according to the IRS they submitted documents being me XX/XX/2022 twice and it was accepted on XXXX XXXX with a signature as well. In the meantime I ask that while I continue to work on my ID theft that they " DO NOT '' contact me anymore and that includes mailing to me threatening letters stating that they are trying to collect a debt that isn't owed by me.This is not my debt! None of this is true, none of this alleged debt is mine. XXXX XXXX went so far as saying they contacted the XXXX Police Department and lied about who they spoke with and any validation. Their response to me was they stated that it wasn't ID theft yet they have a police report on file with all of the listed accounts. If XXXX XXXX would have done its job when I contacted them regarding my ID theft we would not be hear today. This demonstrates their lack of integrity and how the unethically handles business. 

This is " NOT '' my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I, XXXX XXXX entered a card holder agreement with CAPITAL ONE on XX/XX/XXXX. CAPITAL ONE is reporting alleged late payments on my consumer report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent CAPITAL ONE a cease and desist letter on XX/XX/XXXX along with a debt validation letter on XX/XX/XXXX via certified mail demanding they cease collection on the alleged debt and verify the alleged late payments. CAPITAL ONE responded on XX/XX/XXXX stating that they confirmed the alleged late payments they are reporting are accurate and they do not need to change how they update it to the credit bureaus. On XX/XX/XXXX I sent CAPITAL ONE a letter via certified mail pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), requesting a description of the procedure used to determine the accuracy and completeness of such alleged late payments. CAPITAL ONE responded on XX/XX/XXXX stating they received my application by internet on XX/XX/XXXX and the account was opened on XX/XX/XXXX and sent me copies of monthly statements for the months of XX/XX/XXXX through XX/XX/XXXX. I responded on XX/XX/XXXX via certified mail disputing the validity of the account and demanded they update the alleged late payments pursuant to 15 USC 1681i ( a ) ( 5 ) ( A ) ( i ). CAPITAL ONE responded on XX/XX/XXXX stating the same response, that they have confirmed the alleged late payments they are reporting are accurate and they do not need to change how they update it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp
State: CA

Complaint narrative:
Lending Club Corporation is reporting incorrect information on my account. A representative from LendingClub called me about my past due payment. I tried making the payment the next day but couldnt because I was sent to collections. This was not explained to me by the agent that called me the day prior. I am asking Lending club to make things right by removing the remarks on this account that states the balance was purchased by another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: OK

Complaint narrative:
not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights 15 U, S, C 1681 Section 602 A. states i have the right to privacy.

15 U, S, C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U, S, C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting AcXXXX 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 has violated my rights 15 U, S, C 1681 Section 602 A. states i have the right to privacy.

15 U, S, C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U, S, C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX XXXX XXXX XXXX acct # XXXX 30 day late payment, XXXX acct # XXXXXXXX XXXX Acct # XXXX, XXXX acct # XXXX XXXX XXXX 90 day late, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX acct # XXXX 120 day late payment, XXXX acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX, XXXX acct # XXXX, paragon rev acct # XXXX, credit coll acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX Late payment, self/lead latepayment, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 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 non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I received a my XXXX XXXX XXXX XXXX from community capital bank that I did not apply for, did not give permission to pull my credit, do not want. I visited a XXXX XXXX store on XXXXXXXX XXXX XXXXXXXX. This application that granted a card was started then. 
Every time you check out the cashiers try to push credit card applications. I always say no. Apparently these minimum wage bottom dwellers get bonuses for every application they get. The cashier obviously entered yes and also violated my credit by authorizing a credit check as well. 
I have tried multiple times to contact this bank to request this account be canceled, my credit be repaired, compensation made, and the XXXX XXXX cashier executed for their crime. This bank has made this an impossible task by jerking me around for hours on hold

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
According to the government, loans are supposed to be brought current and with no reporting of default or delinquency. You all are still reporting delinquencies from closed accounts from 7 years ago. I need these delinquencies off 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 explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: WA

Complaint narrative:
My information was used to purchased goods and service from XXXXXXXX XXXX without my notice and authorization. I was never aware of the account till collected sending me statement collecting the amount they said I owed to them. I never open such an account, and I didn't authorized anyone to open the account. I have not benefited from the service and up to date I didn't know who opened and benefit using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
So during my time in college I was told that I was able to take a loan out through XXXX or XXXX and did not have to pay back through the contract and speakings. Im struggling due to Covid and hurricanes because I live in Louisiana and I cant catch a break and its bringing my credit down slowly and I just cant pay for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Complete Credit Solutions, Inc.
State: DE

Complaint narrative:
I have been a victim of identity theft and reached out to Complete credit solutions and explain to them that this is not my account and I have sent in documentation from the Federal Trade commission stating that this account has been fraudulent and it needs to be deleted off my account. What they are doing is against the FCRA. Its also illegal to report false information on my credit file.

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX has a credit card on my report stating that I opened a card at my current address when I never did

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was checking my credit report and I see these accounts that were not made or authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was checking my credit report and I see these accounts that were not made or authorized by 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 explanation