vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 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: AL

Complaint narrative:
I recently received a copy of my credit report and found that the credit bureaus are still illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection/charge off with a past due balance. This is a violation of the FCRA and also in violation of the requisite METRO 2 complaint reporting standards. 

According to the Fair reporting act. I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate and verifiable. 

Please remove this accurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and Metro2 reporting standards as well as these accounts removed. 

XXXX. XXXX XXXX XXXX balance {$100.00} XXXX XXXX {$480.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXXXXXX {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I have been monitoring my credit for awhile now and today noticed a collection account placed on my XXXX report and as of today this is the one report this fraudulent account is on at this time. I do not have online access to my XXXX XXXX report online so I can not verify if this fraudulent account is on this report or not. Please investigate immediately and remove from my credit report immediately. I do not know of this debt, what it is in relation to nor do I now who this company is but I do know that I have not done business with them. This account is fraud and it is damaging my credit. I need it removed immediately. I tried reaching out to the company but they are unwilling to assist in this matter. I will also be filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Franklin service inc opened a collections on credit report for an XXXX XXXX XXXX account that was paid off in full 2 years ago that showed up on credit reports on XX/XX/XXXX for {$160.00}. I filed a dispute with XXXX who it first appeared on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In early XXXX I had a XXXX point drop on XXXX and it was created by a XXXX error and it was corrected at that time my Equifax was fine however it dropped by the XXXX points today and they can not verify with this or assist as they dont see it. I have a letter from XXXX XXXX XXXX verifying this was an error on XXXX and this should be corrected in all systems including Equifax. I need to make sure this corrected with Equifax and the call centers are not able to assist. I would like some assistance in getting his corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
Hello I have been trying to open a credit card for a long time now and I keep getting denied I looked at XXXX and I seen A credit card opened XXXX XXXX I get several texts saying account blocked from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX And got a letter for a cell phone company I do not use that went to collections - XXXX Also A installement company and I never used installments

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 2022-09-04 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: TX

Complaint narrative:
Open : XX/XX/2019 Amount : {$730.00} 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 : 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 2022-09-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX  agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXXXXXX XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXXXXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

Collection account from Unknown with account # XXXX and a balance of {$730.00}. The original creditor is XXXX XXXX. 

XXXX with account # XXXX and a balance of {$170.00}. The original creditor is XXXX XXXX XXXX. I paid off this account but its still showing that I owe a balance. 

XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 

XXXX XXXX company with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 

XXXX XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 

Collection account from XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX  agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXXXXXX XXXX  Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXXXXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

Collection account from Unknown with account # XXXX and a balance of {$730.00}. The original creditor is XXXX XXXX. 

XXXX with account # XXXX and a balance of {$170.00}. The original creditor is XXXX XXXX XXXX. I paid off this account but its still showing that I owe a balance. 

XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 

XXXX XXXX company with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 

XXXX XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 

Collection account from XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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 TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES WHICH WERE NOT DONE BY ME, EQUIFAX AND XXXX CREDIT BUREAU INQUIRIES BELOW : *****XXXX XXXXA XX/XX/XXXX ***XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ***XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX AND XXXX ***XXXX XXXX  SHOWS A XXXX BALANCE THIS CREDIT CARD WAS PAID TO A XXXX BALANCE I ASK GRACIOUSLY IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

**XXXX XXXX XXXXXXXX XXXX IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

EQUIFAX XXXX AND XXXX XXXXXXXX XXXX CREDIT CARD AND XXXX XXXX CREDIT CARD IS MY CREDIT CARDS AND WAS PAID TO XXXX BALANCE ..THESE TWO ACCOUNTS SHOULD BE UPDATED TO PAID TO A XXXX BALANCE. **** THIS IS NOT ACCURATE ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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, 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 2022-09-04 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: TX

Complaint narrative:
I notified back in XX/XX/XXXX of the idenity theft that occured. You ignored the facts and the law and continued to furnish inaccurate, misleading, false, incorrect, and fraudulent on my consumer credit report. Shame on you Equifax. Then you have the nerve to send me a letter on XX/XX/XXXX advising me that you are not blocking any of my information disgarding my request, livlelyhood and privacy. I have been dispuyeing with you monthly for 9 months now. You say the information is verified, Yet you have no problem violating my livelhood and privacy reporting false negative items beacuse your making money off of these fraudulent accounts, you XXXX In the letter you also state that you will be verifying information on my behalf. Help me undstand how you are going to come up with a validation for a note, contract bearing my wet signature. I have sent each creditor 3 validation letters and not one has responded to me but they are going to respond to you? Delete these fraudulent accounts AND INQUIRIESimmediately. Then you mail another letter on XX/XX/XXXX Stating that you are reporting suplicate collection accounts. YOU are reporting DUPLICATE FRAUDULENT COLLECTIONA ACOUNTS THAT DO NOT BELONG TO ME! Then you go on to say that my credit wothiness ws impacted when I was applying and being denied for credit or couldnt afford the item because the interest rate was too high and false.THESEaccounts have lowered my score and buying power. I have since filed my SECOND FTC REPORT # XXXX and a CFPB report # regarding this matter. Look forward to hearing from them.My my my my HOW DID YOU VERIFY AND VALIDATE THESE ACCOUNTS? VERIFIED BY WHO? 

THE EOSCAR MACHINE? EMPLOYEE? WHICH ONE? WHAT DATE? WHERE IS THE VERIFICATION AND VALIDATION THAT YOU SAY YOU HAVE BUT YOU WILL NOT SHOW IT TO ME? YOU SAY ITS MINE BUT I CANT SEE IT? YOU WILL NOT SHOW ME VAILDATION OR VERIFICATION BECAUSE THERE IS NONE THIS IS FRAUD. DELETE THE ACCOUNTS IMMEDIATELY.I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I requested my consumer reports via XXXX and Equifax, and XXXX gave denied my request. I would like my consumer report and credit file from both companies and XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: AES/PHEAA
State: TX

Complaint narrative:
On XXXX, I submitted the attached/uploaded 21 page packet to FedLoan Servicing XXXX I sent packets to the XXXX 's noted at the bottom of the letter ( Office of Consumer Advocacy and US Department of Education ). I had requested information from FedLoan Servicing regarding the omission of my service/employment with XXXX XXXX XXXX not only in the letter dated XXXX, but in numerous emails and phone calls dating back two months prior. I have received no response, explanation or resolution. I am submitting this 21 page packet again as part of a complaint, along with payment history. I feel that with the consideration of my employment with XXXX XXXX XXXX, I met the eligibility criteria for loan forgiveness as of XX/XX/2017 and am eligible for a refund of the payments that I have made since that time. Please advise on how I may be able to have this error corrected. 

I have submitted this complaint to Federal Student Aid on two occasions. Each time, the case is closed with no further explanation. I have contacted the Ombudsman and received no feedback there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: AL

Complaint narrative:
I recently received a copy of my credit report and found that the credit bureaus are still illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection/charge off with a past due balance. This is a violation of the FCRA and also in violation of the requisite METRO 2 complaint reporting standards. 

According to the Fair reporting act. I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate and verifiable. 

Please remove this accurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and Metro2 reporting standards as well as these accounts removed. 

XXXX. XXXX XXXX XXXX balance {$100.00} XXXX XXXX {$480.00} XXXX XXXX {$640.00} XXXXXXXX XXXX XXXX XXXXXXXX {$700.00}

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 2022-09-04 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: AL

Complaint narrative:
I recently received a copy of my credit report and found that the credit bureaus are still illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection/charge off with a past due balance. This is a violation of the FCRA and also in violation of the requisite METRO 2 complaint reporting standards. 

According to the Fair reporting act. I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate and verifiable. 

Please remove this accurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and Metro2 reporting standards as well as these accounts removed. 

XXXX. XXXX XXXX XXXX balance {$100.00} XXXX XXXX {$480.00} XXXX XXXX {$640.00} XXXX XXXXXXXX XXXX XXXXXXXX {$700.00}

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 2022-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a text from my bank asking if I authorized a transaction for {$3400.00}, which I replied No as I did not authorize this transaction. I called the bank and they did not honor the payment. I then received a second text on XX/XX/XXXX with the same info asking if I authorized the payment of {$3400.00}, while I was reading the text I received a call from the banks phone # and was instructed to do a XXXX payment to reverse the charge which I was told was honored. The money went to some random account, a prepaid card of someone I do not know. The bank takes no responsibility, how did this person get my info on the first place. I was told by the bank that the person 's last name is my maiden name, how could they have this information unless a breach at the bank. Bank of America refuses to help and continued to put fraudulent charges thru.

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 2022-09-04 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: NJ

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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