vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-27 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: NJ

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/2022, Experian notified me on XX/XX/2022 that they were opening a disputed to investigate the accounts in questions and it should take 30 days and the dispute will be completed on XX/XX/2022. However, on XX/XX/2022 Experian notified me that the dispute was complete and that accounts remain on my report. Experian has failed to complete thorough investigation of the following accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The other bureau has permanently removed the accounts from my reports as these accounts listed above 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 2022-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: DE

Complaint narrative:
This is not a refusal to pay an alleged debt! AMERICAN COLLECTIONS ENT claims that I am obligated to pay them an alleged debt associated with account # : XXXX. AMERICAN COLLECTIONS ENT shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If AMERICAN COLLECTIONS ENT can not provide the original instrument or proof that it still exists, then AMERICAN COLLECTIONS ENT shall send me an original statement affirming that AMERICAN COLLECTIONS ENT did not sell the original instrument because if AMERICAN COLLECTIONS ENT didn't sell the original signed instrument of indebtedness ; then AMERICAN COLLECTIONS ENT should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when AMERICAN COLLECTIONS ENT produces the original instrument or proof that it has not been sold, which proves that I am obligated to AMERICAN COLLECTIONS ENT. Also please produce the trilateral contract between me ( consumer )XXXX XXXX XXXX XXXX  and AMERICAN COLLECTIONS ENT that shows I agreed to do business with AMERICAN COLLECTIONS ENT along with XXXX XXXX XXXXS or on behalf of XXXX XXXX XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!

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 2022-11-27 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:
checking my credit file I've noticed a lot of invalid information. I am intrested in disputing all incorrect information from my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: NC

Complaint narrative:
For the past 6 months, I've reached out to TransUnion, XXXX and XXXX to notify them of the below errors. They have failed to properly investigate. The XXXX Account XXXX that is reporting 8 late payments was serviced by XXXX back in 2019. I do not ever recall being late. I've asked for proof and I've received no response. XXXX has been accused of misapplied payments, surprise late fees, processing delays, and misrepresentation of repayment. I have been a victim of their negligence and want these late payments updated to show that I was never late. In addition, I've notified TransUnion, XXXX and XXXX of the XXXX XXXX Accounts XXXX and XXXX which are riddled with inconsistencies and inaccurate information that can not be true. They have not investigated nor updated the accounts so they are consistent. All XXXX credit reporting agencies are reporting different high balances, dates of last activities, date opened, account ratings, dispute statutes, and the date of the last payment. How is this possible if this is the same account? See screenshots.

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 2022-11-27 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: FL

Complaint narrative:
In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

15 USC 1692e ( a ) False or misleading representations and also a Hippa Violation.

Violation of the FCRA and is in violation of requisite XXXX Compliant reporting standard.

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 2022-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: ND

Complaint narrative:
this is an online scam that involves a bank scam

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax is reporting inaccurate and unverifiable public record information about me on my equifax consumer credit report and file. These unverifiable bankruptcies are listed on my equifax consumer and file as file/docket # : XXXX and file/docket # XXXX XXXX. According to the FCRA, in order for Equifax to furnish these alleged US BANKRUPTCY COURT public records, they would need to be able to both VALIDATED and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX XXXX, and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, Equifax is violating my federally protected consumer rights. In addition to that violation Equifax is also committing fraud since they claim to have verified this bankruptcy but their sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ) and 15 USC 1681C ( A ). I DID NOT give Equifax neither direct nor indirect permission to furnish my information. 
I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day Equifax RECEIVES this demand. Should Equifax choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: FL

Complaint narrative:
In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXXXXXX XXXX XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Violation of the FCRA and is in violation of requisite XXXX Compliant reporting standard. 

Permanently remove all inaccurate accounts listed on the credit report within days allowed by law.

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 2022-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I submitted everything for a PSLF review as directed by managers at MOHELA. I called to check on the status because one of the newer forms was marked as a duplicate and therefore was not reviewed properly. THIS WAS A NEW UPDATED form that the staff did not review properly and incorrectly marked. I called and asked to speak with a supervisor and after XXXX waits of XXXX hours each time, I never spoke with a manager- just remained on hold. My file is back in review again but it will now take an additional 90 days due to their lack of review ability. I keep having to bear the brunt of their mistakes and it is not fair at XXXX Also, the payments from XXXX are STILL NOT BEING counted. I am being told from MOHELA that this is a Fed Student loan issue ; however, fed student loan says no way they don't have access to this information and therefore can't be in charge of fixing this issue. I am getting no where in getting these payments counted toward the 120 payments. This was while I was in grad school ; however, I made all payments on my loans during this time and never stopped making payments- they should be counted. 
I have attached screen shots to illustrate these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
For the past 6 months, I've reached out to XXXX, XXXX and Equifax to notify them of the below errors. They have failed to properly investigate. The XXXX Account XXXX that is reporting 8 late payments was serviced by XXXX back XXXX 2019. I do not ever recall being late. I've asked for proof and I've received no response. XXXX has been accused of misapplied payments, surprise late fees, processing delays, and misrepresentation of repayment. I have been a victim of their negligence and want these late payments updated to show that I was never late. In addition, I've notified XXXX, XXXX and Equifax of the XXXX XXXX Accounts XXXX and XXXX which are riddled with inconsistencies and inaccurate information that can not be true. They have not investigated nor updated the accounts so they are consistent. All 3 credit reporting agencies are reporting different high balances, dates of last activities, date opened, account ratings, dispute statutes, and the date of the last payment. How is this possible if this is the same account? See screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
For the past 6 months, I've reached out to XXXX, Experian and XXXX to notify them of the below errors. They have failed to properly investigate. The XXXX Account XXXX that is reporting 8 late payments was serviced by XXXX back XXXX 2019. I do not ever recall being late. I've asked for proof and I've received no response. XXXX has been accused of misapplied payments, surprise late fees, processing delays, and misrepresentation of repayment. I have been a victim of their negligence and want these late payments updated to show that I was never late. In addition, I've notified XXXX, Experian and XXXX of the XXXX XXXX Accounts XXXX and XXXX which are riddled with inconsistencies and inaccurate information that can not be true. They have not investigated nor updated the accounts so they are consistent. All 3 credit reporting agencies are reporting different high balances, dates of last activities, date opened, account ratings, dispute statutes, and the date of the last payment. How is this possible if this is the same account? See screenshots.

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: DE

Complaint narrative:
XXXX is reporting inaccurate and unverifiable public record information about me on XXXX XXXXXXXX consumer credit report and file. These unverifiable bankruptcies are listed on my XXXX consumer and file as file/docket # : XXXX and file/docket # XXXX XXXX. According to the FCRA, in order for XXXX to furnish these alleged US BANKRUPTCY COURT public records, they would need to be able to both VALIDATED and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as Lexis Nexis, XXXX XXXX XXXX XXXX XXXX XXXX. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with LexisNexis that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, XXXX is violating my federally protected consumer rights. In addition to that violation XXXX is also committing fraud since they claim to have verified this bankruptcy but their sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ) and 15 USC 1681C ( A ). I DID NOT give XXXX neither direct nor indirect permission to furnish my information. 
I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day XXXX RECEIVES this demand. Should XXXX choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: IL

Complaint narrative:
XXXX XXXX Last XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been a victim of identity theft. As a result, fraudulent, inaccurate information has been added to my report. The following accounts have violated my consumer rights according to 15 U.S.C 1681, and 15 U.S.C 1693 ( 2 ). 

Companies/Accounts 1.XXXX XXXX  2. XXXX XXXX ( reporting a balance of XXXX ) I demand these accounts be REMOVED AT ONCE 15 U.S.C 1693a subchapter 2 - Explains identity theft and accounts reporting.

15 U.S.C 1681 section 602a- Explains I have the right to pravicy when it comes to what is being reported on my credit. 
15 U.S.C 1681s-2 ( A ) ( 1 ) - Explains no one can furnish any information on my credit report without my consent. If i have reasonable belief that account is fraudulent is must be removed. 
I am seeking litigation and results at once. I am asking also that all information regarding these accounts be sent to my address on file. I am seeking ALL DOCS including Docs containing my ORIGINAL SIGNATURE used to open this account. If companies can not produce I will seek litigation on my personal behalf, these to accounts have been ruining my life for a long time. 

Sincerely- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've sent certified letters to Equifax, XXXX XXXX and XXXX ( original creditor ) notifying them that In accordance with 42 USC 290dd-2 ( b ) ( 1 ) ( C ) Im exercising my right to revoke my written consent signed on XX/XX/2017 for your practice to use and disclose my protected health information with any third-party. I have never made a payment to XXXX XXXX in which XXXX uses to collect debt. Ive made any and all payments directly to XXXX XXXX XXXX and will continue to do so until the debt is paid. XXXX XXXX should cease any attempt to collect debt, discard any of my protected health information that may be on file and cease all reporting to the credit reporting agencies immediately. Failure to do so is a violation and will result in me taking legal actions stated in 42 USC 1320d-5 ( c ) ( 1 ) for noncompliance due to willful neglect. As stated above, I will continue to make payments directly to XXXX XXXX XXXX until the balance is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act these companies, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;

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 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a credit card which has 0 % APR until XX/XX/2023. I have made all monthly payments, but there was an interest charge that was not correct because my credit card still has a promotion of 0 % APR. I want that bank of America take out that interest charge from my credit statement.

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