vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
NOTICE OF FAULT-TransUnion is in continual reporting of incorrect erroneous information making false claims on my consumer report on a mortgage which is a not late. TransUnion is not reporting in uniformity with the other credit agencies on this report and is in violation of the federal credit act and statute 1692. I will now be demanding certified information to be sent by certified mail. In the event, this erroneous information is not corrected and not deleted I will seek counsel. This needs to be deleted immediately as it stands now there is liability for possible irreparable damages and stultification of business and private issues at hand.

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 2023-04-02 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:
Loan Number Date Loan Program Status Principal Balance Action 5 XX/XX/XXXX XXXX XXXX LOAN Repayment {$6400.00} View Details 4 XX/XX/XXXXXXXX XXXX XXXXXXXX LOAN Repayment {$6400.00} View Details 3 XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX LOAN Repayment {$2100.00} View Details 2 XX/XX/XXXX XXXX XXXXXXXX LOAN Repayment {$3100.00} View Details 1 XX/XX/XXXXXXXX XXXX XXXXXXXX LOAN Repayment {$2300.00} XXXX XXXX XXXX Account # XXXX The Promissory note isn't my name or signature, I have contacted XXXX several time and the have disregarded me and my attempts and even dropped my credit score XXXX points because of an error. its been a difficult process but I hope they remove all of this account of my credit report asap.

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 2023-04-02 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:
Loan Number Date Loan Program Status Principal Balance Action 5 XX/XX/XXXX FEDERAL XXXX XXXX Repayment {$6400.00} View Details 4 XX/XX/XXXX FEDERAL XXXX LOAN Repayment {$6400.00} View Details 3 XX/XX/XXXX FEDERAL XXXX XXXX LOAN Repayment {$2100.00} View Details 2 XX/XX/XXXX FEDERAL XXXX LOAN Repayment {$3100.00} View Details 1 XX/XX/XXXX FEDERAL XXXX LOAN Repayment {$2300.00} XXXX XXXX XXXX Account # XXXX The Promissory note isn't my name or signature, I have contacted XXXX several time and the have disregarded me and my attempts and even dropped my credit score XXXX points because of an error. its been a difficult process but I hope they remove all of this account of my credit report asap.

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 2023-04-02 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: CBC Companies, Inc.
State: NY

Complaint narrative:
Loan Number Date Loan Program Status Principal Balance Action 5 XX/XX/XXXX FEDERAL STAFFORD LOAN Repayment {$6400.00} View Details 4 XX/XX/XXXXXXXX FEDERAL STAFFORD LOAN  Repayment {$6400.00} View Details 3 XX/XX/XXXX FEDERAL UNSUB STAFFORD LOAN  Repayment {$2100.00} View Details 2 XX/XX/XXXX FEDERAL STAFFORD LOAN Repayment {$3100.00} View Details 1 XX/XX/XXXX FEDERAL STAFFORD LOAN Repayment {$2300.00} XXXX XXXX XXXX Account # XXXX The Promissory note isn't my name or signature, I have contacted XXXX several time and the have disregarded me and my attempts and even dropped my credit score XXXX points because of an error. its been a difficult process but I hope they remove all of this account of my credit report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 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: GA

Complaint narrative:
I reviewed my latest credit report from all three bureaus and asked all three bureaus to ensure all information was accurate and completed according to the fair reporting act. Experian is reporting inaccurate information on my credit report and it has had adverse affect on my XXXXredit score. According to, 15 U.S. Code 6802 states Obligations with respect to disclosures of personal information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given any information regarding this nondisclosure option from XXXX XXXX which is reporting this information to Experian. Acct # XXXX reported on from XX/XX/2017 thru XX/XX/2017, therefore this is a direct violation of this law and my consumer rights.

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 2023-04-02 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 Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information 15 USC 1681 section 604 a section 2 says " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.the financial institution and the Consumer reporting agencies Equifax, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, and 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 given an explanation of 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, other than records of convictions of crimes which antedates the report by more than seven years. '' 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. Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received an email alert from the XXXX website on XX/XX/XXXX. I checked the credit report website and saw an alert stating, " XXXX XXXX XXXX has flagged your account as 30 Days Past Due on XX/XX/XXXX. '' I have yet to receive a paper billing statement or an email informing me of a pending balance. The last message I received in my UAS connect account was on XX/XX/XXXX. I do remember calling UAS to inform them of my in-school status in XXXX, the representative said at the time that the loan would be put in active deferment when the federal database verified the change. 

I could not call the private loan lender immediately, but I called a few days later, in XXXX. I requested to confirm the deferment status of the student loan and the current contact information, including email and address. My address and email information was correct and current. The student loan was in repayment, despite being a full-time student since XX/XX/XXXX at XXXX XXXX XXXX The representative verified with the federal database and updated the status to an in-school deferment. I asked when the credit score would be reversed, and the representative said it would be at the end of XXXX. 

I revisited the credit report website on XX/XX/XXXX, and the credit score was not reversed. I emailed the private loan lender that day that I wanted to submit a complaint due to insufficient diligence on their part. I received correspondence from XXXX XXXX on XX/XX/XXXX, but he did not explain how to submit a complaint. He confirmed that the deferment status was active, and there was no balance due at the time. I replied on XX/XX/XXXX, to explain that I wanted to proceed with the complaint because I had never received a billing statement, and the lender 's negligence affected my credit score. The score did not reverse at the end of XXXX. The representatives I communicated with extended the dates when my credit score should have been reversed but did not explain the steps to submit a complaint. 

I persisted in submitting a complaint despite the evasiveness in the emails. I called on XX/XX/XXXX, and spoke with representatives that would not transfer my call to a supervisor to file the complaint. Again, the individuals were evasive and unprofessional. I became irate when the representative lied, including telling me I would be transferred and never hearing the hold message and music ; the representative, XXXX, also lied to me, saying she had to email her supervisor before transferring mehighly suspicious behavior. After speaking with XXXX, I sent an email the same day and explained the poor customer service I received during the calls and insisted on filing a complaint. I never received a reply after the XX/XX/XXXX email, and my credit score has not been reversed when I checked on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Google Compare Credit Cards Inc.
State: NJ

Complaint narrative:
I purchased a service through Google 's XXXX XXXX app on my smartphone. And after completing the purchase, I wanted to remove my payment method details, in particular, my credit card name and account number ; however, Google is requiring me to add a new payment method as a condition before it removes my current payment method. 

I do not want to be compelled to add a new payment method in order to remove my current payment method information. Also, this requirement was not disclosed in the terms and conditions and I believe it is deceptive and as a consequence, my payment method information is kept hostage in the Google XXXX XXXX app. 

Also, I complained to Google via email, and the response included questions about me having a problem adding a payment method - but this, it seems, is a deliberate confusion of the issue because I never had an issue about adding a payment method - all I want to do is remove my current payment method WITHOUT having to add a new payment method. 

Also, Google has a section titled, " Remove payment method '' and then it states, " Choose a new payment method before removing ... [ it has my credit card name and the last four digits of my account number ]. '' Also, at the bottom of the screen it states to " Save and remove, '' meaning, to save the new payment method as a condition to remove the original payment method. 

I want Google to allow me to remove my payment method information WITHOUT requiring me to add new payment method information because to require this is deceptive because this procedure is not disclosed in the terms and conditions. Also, by keeping my payment information in the account it exposes my credit card information to any potential hackers who may successfully hack into my smart phone.

Thus, Google 's practice in requiring consumers to add new payment method information, as a requirement before allowing a consumer to remove their current payment method, is deceptive, unfair, and adds to the risk of being hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc.
State: GA

Complaint narrative:
NES has forwarded a letter to me with claims I owe them debt. I do not have any accounts with NES or its affiliate representative.

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 2023-04-02 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: GA

Complaint narrative:
Equifax is reporting inaccurate information on my credit report and it has had adverse affect on my credit score. I reviewed my latest credit report from all three bureaus and asked all three bureaus to ensure all information was accurate and completed according to the fair reporting act. According to law, 15 U.S. Code 6802 states Obligations with respect to disclosures of personal information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given any information regarding this nondisclosure option from XXXX Acct # XXXX, reporting late payments from XX/XX/XXXX thru XX/XX/XXXX, therefore this is a direct violation of this law and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I called Navy Federal to ask a question about my credit card and was asked to provide my access number or my social security number. Now they are never supposed to ask for my full social but the last 4 digits if I decide not to use my access number. So I recently learned that due to consumer law I do not have to give my social security number. I have decided to give my access number which should provide all of my info. Then they ask for my address and date of birth and again my full social security number. Even when I dial in the automated systems tells me to enter my access number or my full social when calling in. So, with doing that all my info is supposed to show on the representatives screen without asking for my access number nor social Secuity number. They are not even supposed to ask for the last for digits of my social because everything is right there on the screen. 
So when I told them I would not supply my social security number it became a big thing and I was told that if I don't give it they would hang up on me. I asked to be transferred to the supervisor they hung up on me. I called back and asked for the supervisor and she also became nasty and told me she couldn't help me if I didn't supply my social security number. I said I gave you my access number and told her I think I was being racially profiled. I called back and got a rep who said as long as I type in my social it will manifest on the screen. I should not have called in to ask 1 question that could have taken 5 minutes or less but I has to call 4 times and it became an argument with workers who are not knowledgeable or racially profile me for ss # when I get XXXX XXXX reps they say I am verified on the screen but when I get XXXX reps they always want my access number and social security number. 

Isn't there a law stating I don't have to give my social over the phone. I don't feel comfortable with giving my social security number # over the phone with people working from home especially the ones who are very nasty in personality over then phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Hi, Account name : Portfolio Recovery Associates # Account Number XXXX XXXXXXXX has violated my rights. They have not produce documentation showing how they got my information. They have place a debt collection on my credit report which is hurting me the account is falsely obtain by PRA. When I called customer service they said a 1099 was never done on the account but on my credit report is says written off bad debt. Portfolio Recovery Associates collector can not provide proof that I owe this debt and that they are now owner of this debt. They have harassed me over and over they haver called me repetitively via phone calls. I have called and send certified letter requesting the following : Alleged account number Name on file for the alleged debtor Date the alleged debt became payable Date of original charge-off and delinquency A complete accounting of debt Any judgment obtained by the creditor To date they have not respond or mail me back. In accordance with the Fair Credit Reporting act Portfolio Recovery Associates violated my federally protected consumer rights to privacy and cocnfidentiality under 15 USC 1681. 
Portfolio Recovery Associates 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.

I have sent certified mail with copies of my credit report to all three credit bureau several times about these inaccuracies on my on my credit report with no resolution. In the mean time this is hurting me and my family please help. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I have tried to contact this company, and agency over XXXX times on disputes with credit karma and as well as their firm, and I also threatened legal action. If it was not taken off my credit report which was reported incorrectly and I have gotten nothing back besides every time I dispute it, they put the information is disclosed as accurate, I also filed a complaint and report on identity theft.gov and I received nothing back and they just keep dragging my credit score down and its negatively impacting my life and ability to owner and possess belongings or Homes. The debt collector is LVNV FUNDING LLC, for XXXX $ apparently which I was a victim of identity theft and one of my friends stole my information and used it against me and I still have not found out who but I have been dealing with this for over 2 years now and its time its removed from my credit report and the derogatory marks removed or I will then go and sue this company.

Company response to consumer: Closed with explanation