vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
FOR CFPB I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax claims that I'm suppose to be specific. I asked them why they lowered my credit score, and they won't tell me why they did. Nothing of any significance has change on my credit report for the last twenty years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-03-11 00:00:00
Product: Credit reporting 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:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX LVNV FUNDING LLC reported a collection on my credit report stating I owe {$2500.00}. I never had any accounts with them or gave them any permission to report anything about me. I never received any notification of anything from this company. The company is reporting the account was opened XX/XX/XXXX in which as previously stated I never opened any accounts with them or received any notification on any attempts to collect any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
I've received aggressive collection attempts from DUVERA BILLING SERVICES regarding a debt for insurance premiums owed to XXXX. Despite disputing the debt and informing them they're not licensed in New Jersey, they continue their efforts, causing undue stress. 

Their actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically USC 1692e, by engaging in deceptive collection practices. I request CFPB intervention to stop their unlawful actions. 

SUPPORTING DOCUMENTS ATTACHED REPRESENT MY CLAIMS IN THIS ERROR

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  XXXXXXXX XXXX XXXX, Tran Union, XXXX, and XXXX are violating my rights by reporting my late payments which are transactions with them on my credit report since XXXX although I have paid and is accurate and paid as agreed. They have reported my payment experience with them more than 20 times negatively affecting my credit profile. I have contacted XXXX XXXX and XXXX and they refused to correct the inaccurate information and treated my concerns as a validation request. This is not a validation request. I contacted XXXX  XXXX XXXX XXXX and they confirmed that they made about 29 or more inaccurate late payment reports dated XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and grossly violated my rights under 15 U.S. Code 1681a - Definitions ; rules of construct ; EXCUSIONS of not reporting transaction experiences meaning late payments. In accordance with FCRA compliance standards I insist on the immediate removal of all 30, 90, 180, any day of the transactions reported.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX, Equifax, and XXXX are violating my rights by reporting my late payments which are transactions with them on my credit report since XXXX although I have paid and is accurate and paid as agreed. They have reported my payment experience with them more than 20 times negatively affecting my credit profile. I have contacted XXXX XXXX and Equifax and they refused to correct the inaccurate information and treated my concerns as a validation request. This is not a validation request. I contacted XXXX XXXX XXXX XXXX and they confirmed that they made about 29 or more inaccurate late payment reports dated XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and grossly violated my rights under 15 U.S. Code 1681a - Definitions ; rules of construct ; EXCUSIONS of not reporting transaction experiences meaning late payments. In accordance with FCRA compliance standards I insist on the immediate removal of all 30, 90, 180, any day of the transactions reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
On XX/XX/year>, at about XXXX, after branch hours. I put my debit card in the ATM next to the M & T branch which is inside the XXXX XXXX XXXX XXXX in XXXX, CT ( XXXX XXXX XXXX, XXXX, CT XXXX ). At that point I started a deposit transaction on the ATM. The machine prompted me to put my cash into the receiver, which I did ( a total of {$500.00} in XXXX - {$20.00} bills ). At that point, the machine was counting the bills, shown on the screen. During that processing portion, the screen stopped moving, as if it froze, and the ATM shut down. It took about 20 minutes for the machine to reboot, and after about 10 '' of the screen showing, " temporarily out of service '' the typical home screen popped up, however, my card and cash were still in the machine. There was a not a teller at the branch to make this complaint in person at the time it happened. 

I called the phone number for customer service with M & T Bank, and opened up a transaction dispute for the issue I had just experienced. At that point I needed the cash back, or deposited into my checking account, as well as my debit card back from the ATM. When I spoke with a representative, they opened the dispute and a {$500.00} provisional credit was entered into my account. 

I didn't hear back from M & T Bank until XX/XX/year>, via mail, which was received a few days later via USPS, that, " after a review of your account and thorough investigation, we have determined that the transaction ( s ) in question were processed correctly and no error has occurred. Therefore, we are denying your claim. '' The note said the provisional credit of {$500.00} would be reversed on XX/XX/year>. However, the {$500.00} deposit transaction they claim was processed correctly, did not, and has not, showed up in my checking account as of XX/XX/year>, despite being physically put in the machine by myself on XX/XX/year>. 

Today, XX/XX/year>, I went to speak with the branch team about this dispute, and they got on the phone with the claims department, which said, " the investigation did not find an overage in the ATM when the audit was completed. '' At this time I have requested the claim be reopened, and the security footage of me physically putting the cash in the machine be examined.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
I purchased my home on XX/XX/2022, with a mortgage appraisal value of {$340000.00}. At that time, my HOA fees were {$340.00} monthly, which I was unaware of. The appraiser failed to conduct proper due diligence and incorrectly assumed that the monthly HOA fee was only {$260.00}. This misinformation was provided at the time of my purchase, and I only realized afterwards that I had been deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The Federal Courts gave Navient till XX/XX/2024 to forgive direct Federal FFEL loans for listed schools under Sweet vs. Cardona. The loans were found by the Federal court to have been predator and fraudulent. Navient has not removed the loans from my credit reporting and I am being damaged every day with corresponding credit reports that still show the loans on my reports. Navient is violating the federal court order by not administering the loan forgiveness as ordered by the Federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute inaccurate information on my credit report as allowed under USC Law 1681i. Upon reviewing my credit report, I have identified several items that I believe to be incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX 1. THERE NO NOTICE OF DISPUTE its there now 2. Different last payments from XXXX XXXX EQ. XXXX XX/XX/XXXX & EQ XX/XX/XXXX. Two different DATES 3. The payment history have no late payments so the account status is incorrect. 
4. LATE PAYMENT STATUS ON EQ SHOWS 60 days late BUT THE ACCOUNT WILL STILL BE INCORRECT CAUSE XXXX REPORT 90 days late. 
5. DIFFERENT OPENING DATES : XXXX HAS XXXX EQ HAS XXXX. Wrong information 6. Remove account due to incorrect or inaccurate information FCRA RIGHTS 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. Violation 5 Want ACCOUNT removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). 

LAW 1. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

LAW 2. 15 U.S.C 1681 section 602. A States I have a right to privacy LAW 3. 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions LAW 4. According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} LAW 5. Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

LAW 6. To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company
State: GA

Complaint narrative:
I have no idea why I receive a call to my cell number on a daily basis. I have no debt to resolve. I have contacted the Frost-Arnett Co ( XXXX ) and have received nothing via text or email to confirm WHY they have been attempting to reach me by telephone for the last XXXX months EVERY DAY. I am meeting with my attorney to discuss this harassment and file a complaint with the XXXX. 

Can you help?

Company response to consumer: Closed with explanation