vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: GA

Complaint narrative:
To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: TX

Complaint narrative:
I

n 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.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a card that doesnt belong to me. Ive sent numerous request for this information to be removed from h credit report. The address listed has never belonged to me nor have I ever stayed at the address on my report. I dont know if that address exist to be honest. Ive tried different ways to get this taken care of and it just keeps being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  is reporting a card that doesnt belong to me. Ive sent numerous request for this information to be removed from h credit report. The address listed has never belonged to me nor have I ever stayed at the address on my report. I dont know if that address exist to be honest. Ive tried different ways to get this taken care of and it just keeps being reported inaccurately.

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 2023-11-17 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: NC

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. 

has violated my rights. Or a list of inquiries : 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 2023-11-17 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: NC

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.

has violated my rights. Or a list of inquiries : 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 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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On or about XX/XX/XXXX XXXX and TransUnion were sent disputes via Certified Mail ( see attached ). In dispute were the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion - XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXI - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX According to Law 15 U.S.C. 1681-1681x and FCRA 623 ( b ) ( 1 ) as well as Furnisher Rule 660.4 ( a ) these inquires should have been remove within a strict time frame. It has now been 117 days without action or notice.

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 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Americor Funding, LLC
State: TX

Complaint narrative:
Repeatedly calls during my work hours. Calls at least 3 times a day. Has called 10 times this week, Monday through Friday. Doesn't leave a message.

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 2023-11-17 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: IL

Complaint narrative:
XXXX is collecting behalf of XXXX. However, the XXXX account in question was a business account under an LLC. The service agreement attached names the LLC as the customer ; not myself. The bills ( also attached ) names the LLC. I was the manager on the account and NEVER once gave my personal SSN to XXXX 

The service agreement has LLC as the Customer and the bills also reflect that same account number. XXXX  requests an account manager which is what I was, which is why my name is on the bills ( not the service agreement ). The LLC was closed and the XXXX was also closed. 

This remaining balance, XXXX  claims, is inaccurate nor is it my PERSONAL responsibility to pay. XXXX has not put this " collection '' on all three of the credit reports which is wrong. I have disputed this three times with each bureau and no additional information was provided by XXXX. XXXX also never attended to reach out to me prior to putting this on my credit reports. 

Furthermore, these predatory and illegal practices is unacceptable. I don't know how XXXX or this collection agency got my SSN information when I never provided it.

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 2023-11-17 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: IL

Complaint narrative:
XXXX is collecting behalf of XXXX. However, the XXXX account in question was a business account under an LLC. The service agreement attached names the LLC as the customer ; not myself. The bills ( also attached ) names the LLC. I was the manager on the account and NEVER once gave my personal SSN to XXXXThe service agreement has LLC as the Customer and the bills also reflect that same account number. XXXX requests an account manager which is what I was, which is why my name is on the bills ( not the service agreement ). The LLC was closed and the XXXX was also closed. 

This remaining balance, XXXX  claims, is inaccurate nor is it my PERSONAL responsibility to pay. XXXX has not put this " collection '' on all three of the credit reports which is wrong. I have disputed this three times with each bureau and no additional information was provided by XXXX. XXXX also never attended to reach out to me prior to putting this on my credit reports. 

Furthermore, these predatory and illegal practices is unacceptable. I don't know how XXXX or this collection agency got my SSN information when I never provided it.

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 2023-11-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
It is now extremely obvious that experian is damaging my credit on purpose for retaliation for these complaints. The pic I am submitting as evidence clearly shows that according to experian own website that XXXX is recurring payment

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint against XXXX located in XXXXXXXX XXXX XXXX XXXX located in XXXXXXXX XXXX and XXXX located in XXXXXXXX XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lenox Financial Mortgage Corporation
State: MO

Complaint narrative:
Lenox financial services did a illegal credit check and now won't answer phone calls and hang up when I call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: FL

Complaint narrative:
I hold a mortgage with U.S. Bank Home Mortgage on XXXX XX/XX/2022 was a payment that was posted on my account for a total amount of {$7000.00}. {$1600.00} went towards my monthly payment and {$5300.00} when to my principal. In the Month of XXXX, I attempted to make a payment online but payment would not process so I called US Bank to make my monthly payment that's when I found out about a payment that was posted but not from me at the time I had applied for mortgage assistance through the State of Florida so I believe it comes from the program but was not sure so I ask U.S. Bank and was told that they can not disclose that information after my request. In the month of XXXX, the payment was reversed without notifying me and was needed to make up the remaining balance of {$4900.00} the only option was to force me into forbearance due to a mistake from my mortgage company that I'm still paying for its affected my credit and loan modification. I need it fixed. and it forced me to modify my loan now my payment is higher... I need my credit fixed and my mortgage lowered.

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 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Columbia Debt recovery posted a collections account to my credit report in XXXX. I immediately disputed it with my credit bureau XXXX and filed a a police report with XXXX XXXX XXXX office. The police report number is XXXX their phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: LEXISNEXIS
State: FL

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Recently, I discovered discrepancies and unauthorized charges on my accounts, which have led to an inflated balance that does not accurately reflect my financial responsibilities. Upon thorough inspection of my account statements, I have identified AMAZON STORE CARD that I did not authorize or recognize. It is evident that my accounts have been compromised, leading to these charges. 

I want to emphasize that I do not owe the current inflated balances on my accounts. 
I am kindly requesting your immediate attention to rectify this matter by removing all unauthorized ACCOUNTS FROM COLLECTIONS. It is crucial that my accounts reflect only the legitimate and authorized transactions that align with my financial activity. 


I understand the gravity of this situation and the impact it can have on my financial stability. Hence, I am diligently working to secure my identity prevent any further unauthorized access. I kindly ask for your cooperation and support in this matter to expedite the process of resolving these discrepancies ' am committed to providing any necessary documentation or information to assist in the investigation and correction of these unauthorized charges. 

I sincerely appreciate your prompt action and attention to this urgent matter. Please confirm receipt of this letter and provide me with the necessary steps or procedures to resolve this issue at your earliest convenience. 

Thank you for your immediate attention to this critical issue. 

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 non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I have requested SEVERAL times complete, monthly payment history to show each payment, each month for the last 24 months. I have been provided various scribbles which are verified as accurate on my credit report & later changed to cover their sloppy bookeeping. I have NEVER been provided the past 24 months that I am entitled to as a borrower. Im not being treated fairly. My credit is damaged because of the borrower who IS getting the account information and doesnt share it with me! Im trying hard to protect my credit!

Company response to consumer: Closed with explanation