vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX 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.

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 2022-11-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Balance : {$430.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance XXXX {$11000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX 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 an account without my written instructions.

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 2022-11-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated : XXXX XXXX Balance Owed : {$0.00} - This account was already deleted from the other Credit Bureaus and you have not rights continuing the reporting of these information. Your willful non-compliance with the FCRA continues to do harm on my Credit. Per FCRA, Credit reporting must be accurate. I need you to remove this account from my Credit File. 
XXXX XXXX Balance Owed : {$0.00} - The other credit bureaus have already cancelled this account, thus you have no right to continue reporting this information. Your deliberate non-compliance with the FCRA is still damaging to my credit. The FCRA requires accurate credit reporting. Please take this account out of my credit report. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Company violated various US codes by reporting unverified debt by XXXX XXXX. I have not ever had any business with that company. No contracts or agreements were ever established to warrant a collection reporting on my credit report from 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 2022-11-23 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have contacted TransUnion several in regards to a inaccurate Bankruptcy reporting in my public records and each time to send their investigation results they state it was verified as accurate, and the company was XXXX XXXX so I contacted XXXX XXXX in regards to the dispute and they started an investigation with TransUnion and on XXXX XXXX TransUnion requested information from XXXX XXXX and on XXXX the XXXX they gave TransUnion an explanation and advised me that this would be removed from my report, but TransUnion did not remove record they still have it reporting inaccurately I will be attaching the notice from XXXX XXXX that they provided to TransUnion, I will also attach documentation from XXXX XXXX XXXX that states this was a dismissed bankruptcy but TransUnion refuses to update the record. For months they have been taking me through the ringer in XXXX CFPB sent documentation over and they updated my file # XXXX page for of their investigation results to Dismissed/closed then a couple days later they receive something from XXXX XXXX  in XXXX because they removed it from my record but instead TransUnion changed it from dismissed to XXXX causing harm to my record.

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 2022-11-23 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
i have inquiries on my credit report i do not recognize

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 2022-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was informed by a Consumer Rights Attorney to dispute this account before we file a legal complaint. XXXX and XXXX  XXXX ( XXXX XXXX XXXX  ) is under SO MUCH VIOLATIONS when it comes to my credit report. First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the metro 2 software. If this account is not removed, when this is taken to court I will make sure I receive my {$1000.00} per violation.

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 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America, credit card. Over {$1600.00} I did not owe them at all. It's been over a year since I closed my account. I had tons of fraudulent charges in my account. After I reported to them. I still got more than XXXX of fraudulent charges from the same apple.com almost every day. The later solve some of them, but never finish all of the fraudulent charge disputes. And later strange things kept happening, they just randomly charge me back on the fraudulent charges that has been solved. I sent my payment to pay back my rest of regular charges, they did not recognize it. They forfeit my credit reward points worth over {$300.00} after I closed my account.... Every time I tried to talk to their customer service to solve my problem, it's always long wait and being transferred to XXXX after another department... Now my credit scores has been dropped a lot because they couldn't solve my problem after a year! Please help!

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 monetary relief
Consumer complaint received 2022-11-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: EQUIFAX, INC.
State: FL

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 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 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 15 U.S.C 1681 section 602 A. states I have a 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 take 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 2022-11-23 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: PA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX VA XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$430.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX {$11000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2800.00}, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-11-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$430.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$11000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00}XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: AZ

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

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 2022-11-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient, via Navi-Refi sent me an offer to lower my student loans. I am looking to refinance my variable rate loans with Navient because they are currently at XXXX %, highest they ever have been. I received a letter saying they could refinance my loans with a lower fixed rate. I took the bait and filled out my information and submitted to a hard credit pull. When the " select your loans to be refinanced '' screen came up, only my federal loans showed up, not my loans currently with Navient. 

This is a disingenuous business practice. They know what loans I have with them and which loans I would most likely want to refinance ( the high interest loans with no chance of federal loan forgiveness ). They didn't offer any of those loans up for refinance despite the fact that was not explicitly stated on the mailing I received. I had assumed ( wrongly ) that all of my student loans would be available to refinance. There was no indication on the mailing that they wouldn't. 

I submitted to a hard credit pull which will negatively impact my credit score so I could see my " new rate '' only to be confronted with loans I have no interest in refinancing. 

They are trying to scam people out of money by quickly refinancing federal loans before the loan forgiveness program sets in. On top of this, they are intimidating people with an unnecessary hard credit pull so they can " see their rate ''. I realized this too late and had to take a hit on my credit score as a result. 

This is completely unfair and if I had been less student loan savvy or more drunk I could have easily been taken advantage of by the business practices of Navient and their subsidiaries. SHAME ON THEM AND THEIR MALFEASANCE. 

Please help to rectify this for people so they are not scammed out of their hard earned money.

Company response to consumer: Closed with explanation