vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Spoke with Bank of America, who confirms that there is no fraud on my account, only unemployment and unemployment have the account in closing status due to inactive activity, with {$1.00} in the account. Bank of America is flagged on my XXXX XXXX account, marked as fraud which is incorrect. This is a violation of my privacy and defamation of character that caused me to be denied a banking account with XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my frustration with the credit bureaus failure to conduct a proper investigation and continuing to report inaccurate information on my credit report. 

Despite my repeated requests to have errors and inaccuracies on my credit report corrected, I have received no response or action from the credit bureaus. This lack of attention and disregard for my consumer rights is unacceptable and has caused significant harm to my financial standing. 

As per the Fair Credit Reporting Act, it is mandatory that all credit reporting agencies conduct a thorough investigation when a consumer disputes an item on their credit report. However, despite providing detailed information and documentation to support my dispute, your company has failed to take the necessary action to rectify the errors. 

The inaccurate information on my credit report has resulted in me being denied credit, higher interest rates, and other negative financial consequences. 

I have included a copy of all 3 credit reports and highlighted the inaccuracies and violations. All 3 reports should have identical information per account if everything was reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: MD

Complaint narrative:
XXXX Account was created XX/XX/2022, due to identity theft, and as a result it is being reported on my credit report with inaccurate information. Also XXXX and Transunion continue to report this inaccurate information, which is a part of identity theft, Police Report attached

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 2023-04-13 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: AE

Complaint narrative:
In accordance with the fair credit reporting act, this creditor, XXXX XXXX XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and 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 2023-04-13 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: AE

Complaint narrative:
In accordance with the fair credit reporting act, this creditor, XXXX XXXX XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: AE

Complaint narrative:
In accordance with the fair credit reporting act, this creditor, XXXX XXXX XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and 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 explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I attempted to purchase a home and was told I had student loan debt. And because of this, I was denied.

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 2023-04-13 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: NY

Complaint narrative:
My name is 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 reportsno consent is fraud. 

XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX Balance : {$6500.00}

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 2023-04-13 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: NY

Complaint narrative:
My name is 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 reportsno consent is fraud. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX Date XXXX Balance : {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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:
I mailed letters to XXXX, Experian, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent.

*15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

In addition, I requested proof of how information regarding the listed bankruptcy was furnished, and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information, and contacted the XXXX county court listed on my credit reports, and was informed that this information was never supplied to any consumer reporting agencies.

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 2023-04-13 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: NY

Complaint narrative:
My name is 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 reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date OpenedXXXX Balance : {$6500.00}

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 2023-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Somebody used my information to try to open a credit card in XX/XX/2022 through Bank of America. I caught it and contacted Bank of America to try to settle the dispute. Then they renewed the date on it to XX/XX/2022 instead of removing it and I would really like it removed from my credit report as it was done fraudulently ... .I strive to have good credit I did not make this Hard Inquiry and I need it gone. I did my part and placed a fraud alert on my credit profile. The company Bank of America claimed they would remove it and instead the result was it getting a newer date so it will remain on my report longer. They never placed the statement that it was a fraud attempt. Trying to do it thru XXXX is a joke they want you to call the reporting company back and I don't want to do that in the event that doing so might extend it longer or have them accidentally do another hard inquiry because they are incompetent at their jobs.

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 2023-04-13 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:
According to the FCRA Equifax has been falsely manipulating the statute of limitation which is an FCRA violation 1. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX XXXX XXXX How is Equifax reporting on-time payments until XXXX XXXX 30 days late XXXX 30 days late XXXX is 60 days late XXXX is 90 days late XXXX is on-time XXXX is on-time XXXX is 30 days late and XXXX is 60 days late? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days 2.This account has a discrepancy in the payment history section of the listing ; XXXX XXXX How is Equifax reporting XXXX XXXX 30 days late XXXX XXXX days late then reporting XXXXXXXX XXXX 90 days late in XXXX 60 days late and in XXXX 90 days late? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days 3. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX This charged-off account is reporting payment history each month when should it not since the account has been charged off 4. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX How is Equifax reporting XXXXXXXX XXXX 60 days late XX/XX/XXXX on time XXXXXXXX XXXX 90 days late XXXX XXXX 120 days MXXXX XXXX 120 days XXXX XX/XX/XXXX on time? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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:
After I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile.I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts ' Late payments will be removed. 
XXXX XXXX XXXX Balance : {$310.00}, XXXX XXXX XXXX Balance : {$5700.00}

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 2023-04-13 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: AZ

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

Account name : XXXX XXXX XXXX Account no. # XXXX Account name : XXXX XXXX XXXX Account no. # : XXXX Account name : XXXX & XXXX Account no. # : XXXX Account name : XXXX Account no. # : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mendelson Law Firm
State: TN

Complaint narrative:
I was not given the chance to dispute XXXX XXXX XXXX XXXX account # XXXX civil warrant # XXXX in XXXX County TN, due me not receiving the court date. Also this is not mine account in which my wages are being garnished still has not been verified. I am a XXXX military veteran that is fighting XXXX ( XXXX ) and a family I am trying to take care of. The garnishment has caused me to lose the XXXX XXXX XXXX XXXX I had. I have tried to file a complaint at the county, I get the run the rounds and no lawyers will take it. I am very stressed out with this situation that has me mentally, financially and physically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}

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 2023-04-13 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I, XXXX XXXX submit this complaint against U.S. Bank N.A. for wrongful foreclosure on my mother XXXX  XXXX XXXX . I had unsuccessfully attempted to pay the unpaid mortgage payments and set up an automatic draft payment. I was wrongfully denied. After I was denied the opportunity to cure the loan. I made a written qualifying request to U.S. Bank CEO by certified mail after four weeks I have yet to receive any response from this bank. My mother XXXX XXXXXXXX XXXX XXXX XXXX in XX/XX/2020 this brought on a great deal of emotional stress and XXXX for my family and me. Now! Dealing with this wrongful foreclosure without any remorse from the bank has made this struggle unjustifiable. Being a senior myself, this unnecessary fight has taken a toll on both my mental and physical assessment of my body. The bank attorney-in-fact informed me to get a bondI took his advice after receiving my bond I filed it with the XXXX County Court Division , as well as submitted a copy to U.S. Bank. I was discriminated against for attempting to save my mothers estate. U.S. Bank failed to allow me the opportunity to cure the loan. I believe I was abused due to my age after several attempts to fix the loan thats when I realized I just became a victim of Elder Abuse for Financial.

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently tried to purchase a home and the lender holder told me there were negative items on my credit report that I know Ive paid off. I have been unable to purchase a without a co-signer nor obtain my own place of living because of this same issue.

Company response to consumer: Closed with explanation