vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: MI

Complaint narrative:
In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under use 1681XXXX 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 rights to privacy. 
15 u.s.c 1681 section 604 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c 168lc. ( a ) ( 5 ) section states : no consumers reporting agency may make any consumers report containing any of the following items on information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years. 
15u.s.c.168ls-2 ( a ) ( C1 ) a person shall not furnish any information relating to a 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 2022-09-30 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: MI

Complaint narrative:
In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under use 1681XXXX 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 rights to privacy. 
15 u.s.c 1681 section 604 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c 168lc. ( a ) ( 5 ) section states : no consumers reporting agency may make any consumers report containing any of the following items on information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years. 
15u.s.c.168ls-2 ( a ) ( C1 ) a person shall not furnish any information relating to a 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 2022-09-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have recently submitted my credit reports off to the credit bureaus and they did not respond back, it has been over 45 days nearly.. I thought we are suppose to get legal help if we don't get a response from the credit bureaus in a timely manner. I am actually upset about this matter because I am currently in the process of purchasing a home soon and I really don't ever use my credit for anything I'm getting very old. I noticed I have mixed names on my credit report, along with negative accounts that I have never applied for if so could you show me the contracts bearing my wet signature? Also my wife name is included in my name? I didn't believe my own eyes.. IM BAFFLED!

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 2022-09-30 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: OK

Complaint narrative:
They have my name address and number and dob all wrong in credit runs

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 2022-09-30 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: GA

Complaint narrative:
I have informed this credit reporting agency that I am a victim of Identity Theft as early as XXXX. I have provided my FTC report and police report from local authorities. I have subsequently notified this bureau of misreporting on my credit profile. I have utilized the bureau 's dispute process to address these accounts, to no avail. Most recently, I disputed two accounts ( XXXX XXXX and XXXX XXXX ) on XX/XX/XXXX. The bureau returned dispute results stating that derogatory account XXXX XXXX did not belong to me and was subsequently removed from my credit profile. This account was reported as fraudulent in XXXX. It remained on my credit profile and disadvantaged me for three years.

This bureau determined that the credit account CAPITAL ONE belongs to me and was validated. The bureau failed to provide me with this validation, per my request. If this is being verified by eOscar, please be advised that this is not a proper or thorough investigation per the FCRA. 

Additionally, I have alerted this bureau that this account has not been verified ( and therefore was removed ) by other bureaus. This agency now has actual and constructive notice of derogatory accounts on my credit profile, yet has not removed them. Lastly, this bureau has reason to know that derogatory information on a credit profile is detrimental and harmful to me as a consumer. 

This bureau has violated the FCRA and my rights as a consumer since XXXX. I have submitted a Demand for Relief to this bureau via USPS Certified Mail on XX/XX/XXXX demanding action and relief based on violations of 15 USC 1681. I have attached a copy here for your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
- My student loans were transferred from XXXX to FedLoan with an amount of {$29000.00} - See Loan Summary Document - XXXX for proof of amount transferred - On XX/XX/2022 I called FedLoan and requested a refund of the payments I made during the COVID-19 pandemic to the amount of {$6500.00} and received a transaction ID XXXX as confirmation - See Payment History XXXX XXXX XXXX  PDF for proof of payment amount. 
- FedLoan stated it would take " two weeks to two months '' to receive a refund. 
- I called FedLoan in XXXX to confirm everything was OK for the refund and was told it was. 
- In XXXX I noticed my loan amount had been adjusted to reflect I had received the refund and my loan increased from {$29000.00} to {$34000.00}, however, I had yet to get the refund - See FedLoan - Payment History to see the adjustment and amount increased. 
- I called FedLoan after I noticed this and mentioned how my loan total had increased to reflect a refund I had not received. I was told that refunds were taking up to four months and to wait. 
- On XX/XX/XXXX I was notified by FedLoan that my loans were being transferred to XXXX - See Loans Transferring XXXX. 
- I've reached out to a FedLoan representative multiple times in XXXX and XXXX. In my last phone call, the representative said that I should give it six months to receive a refund and that they can't help me anymore since they no longer own my loans. 
- At this point it's been the six months since I requested a refund. My loan total has increase to reflect I received a refund, however, I have yet to see the money. 
- I reached out to XXXX and they opened a case three weeks ago. However, I have been trying to contact them multiple times this week and whenever I select to speak with a representative the call is disconnected. I haven't been able to reach anyone for the past week, I'm not even placed on hold, the call just gets disconnected.

- Please help me figure out what is happening with this refund. It's been six months and my loans reflect that I received a refund, even though that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: CO

Complaint narrative:
Received a " Satisfy in Full Offer '' letter in the mail from Capital Accounts , LLC, on XX/XX/2022 letter dated XX/XX/2022, on behalf of XXXX XXXX XXXX XXXX XXXX for a total sum of {$9900.00}, satisfy in full price of {$5900.00}. There is no other information on this letter. There is no other information on this letter. No mention of what services or goods this is in regard to, or when it was turned over to collections. I have checked my credit ratings I do not show any outstanding debt to this company. I have never used their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have recently submitted my credit reports off to the credit bureaus and they did not respond back, it has been over 45 days nearly.. I thought we are suppose to get legal help if we don't get a response from the credit bureaus in a timely manner. I am actually upset about this matter because I am currently in the process of purchasing a home soon and I really don't ever use my credit for anything I'm getting very old. I noticed I have mixed names on my credit report, along with negative accounts that I have never applied for if so could you show me the contracts bearing my wet signature? Also my wife name is included in my name? I didn't believe my own eyes.. IM BAFFLED!

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 2022-09-30 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: MN

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXXXXXX XXXX Owed : {$3000.00} ; XXXX XXXXXXXXBalance Owed XXXX {$7200.00} ; XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.

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 2022-09-30 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: MN

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Balance Owed : {$6100.00} XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : $ XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}

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 2022-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I just recently I started looking at my statements and I noticed that I was being scammed by somebody and had I done the theft and fraud done to me. I had my XXXX emptied out. Also some forged checks put into my bank account. My W-2 form was taken along with my social security card and my license was sent to me by some scammer. Also, inappropriate pictures came up online of me and threatened me that they would send them to different sites in my family. Two cell phones were also opened up that I'm trying to work with XXXX XXXX XXXX about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. 
I am submitting this complaint on my own behalf. I received documentation from Bank Of America that I owe them a debt in the amount {$12000.00} Account ending in XXXX. 

I requested Bank Of America to Validate alleged Debt pursuant of 15 U.S.C 1692g I requested the following : The identity of the original creditor. 
The amount of the alleged debt. 
The name and address of the original creditor The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural person ), and Bank of America, that prove I agreed to pay the alleged amount. A XXXX accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. 


Bank of America received my request for validation of the alleged debt on the date of XX/XX/2022 via certified mail Please see attached documents certified mail return receipt Bank of America & Validation of Debt letter. 
Bank of America sent back the certified mail receipt with no response ( other than the receipt ). They failed to respond and provide adequate proof or validation of the alleged debt. 

Bank of America has violated my federally protected consumer rights by failing to validate the alleged debt upon request from me, the consumer. 
This account needs to be deleted from the records of Bank Of America and any /all affiliated companies records ; needs to be removed from all major credit reporting agencies. ( XXXX, XXXX, XXXX ) Thank you I appreciate your services!

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I requested that my account be closed on XX/XX/31. I was shock to discover today that my account is still open. Now I am being told that in order to close the account I need the last XXXX numbers of the credit card. I destroyed the card on XX/XX/31 immediately after getting off the phone with XXXX because I assumed that my account would be closed, so I don't have that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: NJ

Complaint narrative:
Dear Transunion, XXXX XXXX XXXX. I submitted a complaint in regards to Identity Theft, complaint ID XXXX. Pursuant to 15 USC 1681c-2 you are in violation of the FCRA and willfully violated my Consumer Rights according to the law. I have provided proper proof of Identity, an Identity Theft Report, identification of such information, as well as a statement. Pursuant to 15 USC 1681 c-2 - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

You are outside of the given timeframe allotted by the law to provide a fair and equitable resolution for the Consumer, myself. YOU BROKE THE LAW! I requesting that all information is deleted from 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 non-monetary relief
Consumer complaint received 2022-09-30 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-30 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
Ive written a letter previously to new American funding and they have yet to resolve the issue. The bureau is reporting a late payment on XX/XX/2019. I have never paid my mortgage 30 days late. My husband at the time tested positive for XXXX XXXX. I called them to tell them that he had been laid off and we made arrangements. The phone rep assured me that there would be no late payment because of the arrangement. The following month I seen a late payment report on my credit report. This one late payment is hurting my credit score. Id like it removed, please. I want to refinance my home, but this late report is hindering the process. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation