vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 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: TN

Complaint narrative:
The credit bureaus stated my account XXXX XXXX ( XXXX XXXX ) Account # XXXX ) was properly investigated but how is that possible if the date opened is inaccurate, the date last reported is inaccurate, the last date active is inaccurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # 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 2022-06-10 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: TN

Complaint narrative:
The credit bureaus stated my account XXXX XXXX Bank XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the account type is inaccurate, high credit is inaccurate, the payment status is inaccurate, the date last reported is inaccurate, date last active is inaccurate, and the date of the last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # 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 2022-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
Please review complaint XXXX. 

Fay Servicing states that I had taken a loan for $ XXXX which is entirely untrue. I would like to know what that loan was for. I believe this is a fraudulent statement and would like the full amount dropped. The statement : " The loan has a current unpaid principal balance in the amount of {$220000.00} and a second principal balance ( balloon loan ) in the amount of {$160000.00}. '' is Ludacris. How could I have gotten a loan for {$390000.00} on a house worth {$240000.00}. I did not ever agree to a {$160000.00} loan, nor did I receive these funds in any bank account I owned. Please re-read the original complaint and help one of your customers get their life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I have a current police report on file dated XX/XX/XXXX with Chex Systems due to being a victim of identity theft. The following inquiries viewed by others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. I have a current Federal Trade Commission Identity Theft Report on file with XXXX and XXXX. The following accounts and credit inquiries listed on my XXXX and XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX, XXXX, {$450.00}, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, {$110.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-06-10 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: CA

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. 

XXXX Account No. XXXX, has violated my rights. 
XXXX Account No. XXXX, has violated my rights. 
XXXX 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 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 2022-06-10 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following Accounts, have 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 an account without my written instructions. 

15 U.S.C 1681 ( 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. 1681-2 ( 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've been a victim of identity theft and never applied for any of these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TN

Complaint narrative:
The credit bureaus stated my account XXXX XXXX Bank XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the account type is inaccurate, high credit is inaccurate, the payment status is inaccurate, the date last reported is inaccurate, date last active is inaccurate, and the date of the last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report :XX/XX/XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$8600.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance XXXX {$0.00} ; XX/XX/XXXX XXXX Balance : {$5400.00} ; XX/XX/XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX : {$1000.00} ; 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 2022-06-10 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report :XX/XX/XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$8600.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance XXXX {$0.00} ;XX/XX/XXXX XXXX Balance : {$5400.00} ;XX/XX/XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/2022, I received a notification message that, my PayPal Account is limited permanently, I have contacted the responsible company to resolve the issue to me, but upto now no feedback received on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: MN

Complaint narrative:
I have a current police report on file dated XX/XX/XXXX with XXXX XXXX due to being a victim of identity theft. The following inquiries viewed by others listed on my XXXXXXXX XXXX Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXXXXXX XXXX, XX/XX/XXXX and XXXXXXXX XXXX, XX/XX/XXXX. I have a current Federal Trade Commission Identity Theft Report on file with XXXX and Equifax. The following accounts and credit inquiries listed on my XXXX and Equifax credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX, XXXX, {$450.00}, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XXXX, {$110.00}, XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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:
Im submitting a complaint to you today to notify you that I was the victim of identity theft. I studied up on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization. 

XXXX XXXX  XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX Balance : {$7400.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$83000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$420.00} According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I reached to them to XXXX, and XXXX Knowbody got back to me to let me why is this on my credit report when I have a police report online for identity theft. I also sent them countless letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: CA

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. 

XXXX Account No. XXXX, has violated my rights. 
XXXX Account No. XXXX, has violated my rights. 
XXXX XXXX Account No. XXXX, has violated my rights. 


1

5 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 2022-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I just received a decision from my loan servicer stating their investigation is correct and all information is reporting accurately. The loan reflects late payments during a period the FEDERAL GOVERNMENT SUSPENDED PAYMENTS. Please remove these accounts from my credit report to align with FTC. 

AGAIN, The federal governments has executed the cares act as well a mandate to suspend ALL STUDENT LOAN PAYMENTS. LATE PAYMENT ARE STILL REFLECTING WRONG. PLEASE REMOVE ACCOUNT FROM ALL 3 BUREAUS AS THE STATUS IS NOT CORRECT AND ACCORDING TO THE FTC US15 U.S. Code 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I didn't sign-up for their extra feature service and later when I contacted them they are not responding, I sent emails as well but no help or contact from their end so I want to remove this account 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
Consumer complaint received 2022-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
This complaint is in regards to Cash Central. On XX/XX/2022, I contacted Customer Service and requested for my bank account to be changed. The young lady stated that I needed to send them a recent bank statement along with the routing number and they will update it. 

I sent them the bank statement and routing number within minutes of speaking to the young lady. When I sent the email, I stated Good morning. Please find the enclosed bank statement for my new bank account. Please update ASAP. The original bank account is CLOSED. Thank you ( Ive enclosed a copy of the email. 

According to Cash Central, To ensure your loan payment is debited from your new checking account, your bank account information must be verified and updated before XXXX XXXX EST the banking day before your due date. You can change your account information by contacting one of our customer service representatives who will be happy to assist you per their website. 

My payment was due XX/XX/3022 so I gave them more than a day to update my bank account information. 

XX/XX/2022, I received an email from CC stating Thank you for your email. Your bank statement has been received. For further assistance on your account, please give us a call at XXXX. One of our agents will be happy to help you. 

When I went online to check, the checking account had not been changed. 

XX/XX/2022, I received an alert that CC had debuted the OLD account and it went through BUT because that account is closed, I was charged an insufficient fee of {$30.00}. 

I immediately contacted CC and the gentleman I spoke with was ABSOLUTELY NO HELP. He didnt know what he was doing and all he said was to email the bank notice that showed the payment and NSF fee and they will take care of it. 

I sent an email to XXXX and XXXX explaining to them what they had done after Id given them adequate notice and they SHOULD NOT have taken any money out that account. I havent heard from CC as of today and my bank account still has not been updated!! I HATE CC!! Theyre unprofessional, incompetent and should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX fraudulently sold my information to this company. This is not my debt in the first place. They keep calling all during the day harassing me this matter and I keep telling them they have the wrong guy. That still doesn't stop them from calling. I tried calling XXXX about this matter but all they have is an automated service and its pretty much impossible to reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TN

Complaint narrative:
In accordance to the fair credit repair act ( Congress put into place ) 1 ) XXXX XXXX, 2 ) XXXX  Account number XXXX and 3 XXXX XXXX XXXX XXXX 15USC 1681 Section 602a I have the RIGHTS to PRIVACY. Congress put this law into effect however credit agency do not adhere to it. THis is a Law and it need to be enforced laws are for structure.

Secondly 15USC Section 604 a Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have not given these companies to any written instruction nor have I sign documents allowing them to report to report. Congress has given me the power to say NO and the option to allow by writtten signature I have not sign anything Please show me where XXXXi agreed to this. THIS IS GROSS NEGELIENCE AGAINST ME and no one is obeying the law.

These collection are costing me higher APR rates and higher interest on my credit card. XXXX XXXX does not have enough proof that debt belong to me can I see a sign contract and not a statement that I never stayed at before I never stayed at XXXX XXXX XXXX, XXXXTN XXXX or XXXX XXXX XXXX XXXX these address are fraudulent. I am reporting this to Identitity THeft.gov 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

on MY REPORT IT SAY I OWE XXXX XXXX HAS I OWE {$690.00} WHICH ONE DO I OWE BECAUSE CONGRESS REQUEST FOR ACCURACY OF EACH CONSUMER REPORT. INADDITION YOU ARE REPORTING XX/XX/18 ON XXXX, EXPERIAN YOU REPORTING OPENING DATE XX/XX/2018. THE DOCUMENT YOU SUBMITTED TO CFPB YOU SAIED XX/XX/XXXX WHAT DATE IS IT. VIOLATION DELETE THIS OFF MY REPORT DELETE THIS OFF MY CONSUMER REPORT. THIS HAS CAUSE SO MUCH DAMANGE. IN ADDITION IF ITS CHARGE OFF A BALANCE SHOULD NOT BE REPORTING BUT THERE IS .....

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 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: SC

Complaint narrative:
This is a fraudulent charge, I never signed-up for their any service and they have not provide any service to me, I want to remove them from my credit report.

Company response to consumer: Closed with explanation