vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
this has to do with XXXX account, wrote verification letter sent me a shady statement and didn't have correct information. and asked for signed contract but didn't provide signed contract. please remove from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
this has to do with XXXX account, wrote verification letter sent me a shady statement and didn't have correct information. and asked for signed contract but didn't provide signed contract. please remove from credit.

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 2023-08-23 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: NV

Complaint narrative:
There are multiple inquiries from a financial institution that are fraud on my account.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AFNI INC.
State: PA

Complaint narrative:
I have been trying since XX/XX/XXXX to dispute a XXXX which turns into AFNI  for collections on my credit file. I have never heard correspondence from XXXX or XXXX about validation of debt and they continue to dispute this incorrectly. I have contact AFNI, because XXXX is so old it was bought out by another carrier years ago. AFNI even said they can not validate the debt because XXXX  is no longer in business. This account is from early XXXX. I know this because that is when I cancelled services with them. XXXX and XXXX have been nothing but rude and unwilling to fix the incorrect reporting on my credit file. Even the collection agency stated this should not be on my credit report anymore but said I must dispute through XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been trying since XX/XX/XXXX to dispute a XXXX which turns into XXXX  for collections on my credit file. I have never heard correspondence from XXXX or Experian about validation of debt and they continue to dispute this incorrectly. I have contact XXXX, because XXXX is so old it was bought out by another carrier years ago. XXXX even said they can not validate the debt because XXXX  is no longer in business. This account is from early XXXX. I know this because that is when I cancelled services with them. XXXX and Experian have been nothing but rude and unwilling to fix the incorrect reporting on my credit file. Even the collection agency stated this should not be on my credit report anymore but said I must dispute through XXXX and Experian.

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 2023-08-24 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: PA

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 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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been trying since XX/XX/XXXX to dispute a XXXX which turns into XXXX  for collections on my credit file. I have never heard correspondence from Transunion or XXXX about validation of debt and they continue to dispute this incorrectly. I have contact XXXX, because XXXX is so old it was bought out by another carrier years ago. XXXX even said they can not validate the debt because XXXX  is no longer in business. This account is from early XXXX. I know this because that is when I cancelled services with them. Transunion and XXXX have been nothing but rude and unwilling to fix the incorrect reporting on my credit file. Even the collection agency stated this should not be on my credit report anymore but said I must dispute through Transunion 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 2023-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I am XXXX and my loans have been discharged but the problem is that this particular loan is consolidated with my husband and my portion is paid off. However, Navient has still continued to send the statements in my name and rack up fees, and I have called them and told them the situation. I can not take my name off the account. I have contacted Federal Student loans and they have ignored me ; I have contacted XXXX. My credit is tanking. I have tried to set up a payment plan to pay it but I need my husband 's cooperation and we need to be on the call at the same time. Please help me get Navient to stop sending me bills in my Name. My husband is in deferment so we should not be getting a bill anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
this has to do with XXXX account, wrote verification letter sent me a shady statement and didn't have correct information. and asked for signed contract but didn't provide signed contract. please remove from credit.

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 2023-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
After giving my Mortgage Company ( Freedom Mortgage ) notice by phone today XX/XX/2023 of an escrow error, Freedom Mortgage is refusing to make any corrections to the error or investigate the error ( per XXXX the supervisor I spoke to ). I initially spoke to an agent by the name of XXXX id # XXXX after making several calls regarding this matter. After explaining to the agent there was an error in the amount of {$230.00} on my escrow account due to an over payment made to my homeowners insurance, the agent seemed confused and not competent in even understanding the issue at hand. I escalated and requested a supervisor and spoke to an agent by the name of XXXX. XXXX blatantly refused to research, request a new escrow analysis, and claimed everything was correct, and there was nothing done wrong. I then attempted to explain to XXXX that two other agents verified there was in fact an error. I also had one of those agents complete a conference call with my insurance company who not only confirmed there was an over payment, but provided a check number for a refund that was issued directly to the mortgage company ( due to overpayment ) and should have been placed in my escrow account. However, XXXX refused to even consider verifying unless he had documents directly from my insurance company ( XXXX XXXX ). He suggested that I should reach out to XXXX XXXX and have those documents sent. Although I explained to him the countless hours I've spent on the phone, the confrence calls that were made, as well as documents that we're faxed. The agent refused to take any action. I'm requesting that this matter is resolved immediately and that the actions of the supervisor XXXX who refused to investigate this matter be addressed. I will also be taken further action if not done so in a timely manner.

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 2023-08-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I contacted equifax on XX/XX/22 about some information that wasnt mine and addresses to places i never lived. I have yet to hear anything from them to get these things taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX and I am a victim of identity theft due to the XXXX data breach. I have a fraudulent hard inquiry on my report that I would like removed. 


XXXX XXXX XX/XX/2023

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 2023-08-24 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: FL

Complaint narrative:
I am contacting you ONCE AGAIN about the compromising of my social security number and personal information. I am the victim of Identity theft and I am writing to REQUEST an identity BLOCK of items on my credit report that are not mine which resulted from the crime. Please BLOCK the following fraudulently created information from appearing in my credit report included in this letter. These companies are in violation of 18 U.S. Code 1028A. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

* 15 USC 1681 section 602 A states I have the right to privacy.

* 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 
Also, they aren't even in compliance with Metro 2 credit reporting.

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 2023-08-24 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: FL

Complaint narrative:
I am contacting you ONCE AGAIN about the compromising of my social security number and personal information. I am the victim of Identity theft and I am writing to REQUEST an identity BLOCK of items on my credit report that are not mine which resulted from the crime. Please BLOCK the following fraudulently created information from appearing in my credit report included in this letter. These companies are in violation of 18 U.S. Code 1028A. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
* 15 USC 1681 section 602 A states I have the right to privacy.

* 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: 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, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; 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

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 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I made a debit card purchase for services from a company named XXXX XXXX XXXX, listed on the internet. I purchased the Full Arbitration Representation package for {$1500.00}. The website was very specific about the services I would receive. I received an email confirmation of the purchase and package and that someone would be in touch to set up the consultation. I heard nothing. I sent an email and link was sent to schedule the consultation. The day of the consultation no one called, no email sent. I asked to reschedule, I heard nothing. Repeated attempts were made to contact this business. I made a formal request of refund for services not rendered. The email account was disabled. I called Chase and made a fraud complaint since no services were ever performed. I received a credit to my account. About two months after Chase reversed the credit without any warning or explanation. I called Chase and the representative was very nervous, lied about facts I never said, refused to let me speak to a supervisor. I called back and demanded to speak to a supervisor who was very rude to me, said this was not on the fault of Chase. She said no fraud took place and that the terms and conditions said no refunds. Terms and conditions only apply to legal purchases, not buyers remorse. No services were ever performed so that it fraud and criminal. All purchases are protected by the Electronic Funds Transfer Act and FDIC insurance. I demand a full refund. If not I will file a complaint with high level agencies and pursue legal action within XXXX XXXX as this account is owned by Trust and Trust res. A full account audit will be demanded, and Chase will owe me a lot more than {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they indeed do not have my written permission. Any consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information.

" This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



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. 



1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX XXXX  Account Number : XXXX Please 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 explanation