vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 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: FL

Complaint narrative:
There are XXXX accounts on my credit profile that were unauthorized. They are from the same collector ; all have different accounts reporting to all three-credit bureaus and all have the same amount reporting. I reached out to the company for them to provide me with identity verification and an original contract with a wet signature from me. They could not furnish this information. I have demanded that they removed it from my credit report being that the information could not be furnished, and the account is listed as a charge off. 

company name : XXXX  account numbers : XXXX ; XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: AL

Complaint narrative:
These accounts are fraudulent and do not belong to me these accounts are also reporting different opening dates as well as different balances across the three credit bureaus. 

The accounts are : XXXX XXXX  XXXX {$4600.00} XXXX XXXX  XXXX {$2000.00} XXXX XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXXXXXX {$190.00} These accounts are not only fraudulent these accounts are

also reporting different dates and different balances. Some are reporting paid to one bureau and charged off on the other bureau. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: AL

Complaint narrative:
These accounts are fraudulent and do not belong to me these accounts are also reporting different opening dates as well as different balances across the three credit bureaus. 

The accounts are : XXXX XXXX XXXXXXXX {$4600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXXXXXX {$190.00} These accounts are not only fraudulent these accounts are also reporting different dates and different balances. S

ome are reporting paid to one bureau and charged off on the other bureau. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

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 2022-06-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights. 

XXXX XXXX XXXX Account # XXXX, - XXXX  XXXX 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 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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There is incorrect personal information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There is incorrect personal information on 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 non-monetary relief
Consumer complaint received 2022-06-25 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:
In accordance with the Fair Credit Reporting act 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, 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

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 2022-06-25 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 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 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

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 2022-06-25 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:
CFPB complaint ID XXXX dated on XX/XX/2022, I XXXX XXXX XXXX Consumer, have notified the Credit Reporting Agencies Equifax XXXX XXXX, that the Inquiries that is currently being furnished on my Consumer Report is FRAUD and is IDENTITY THEFT and Equifax Information Services LLC , willfully and knowingly and intentionally broke Federal Law and Refuses to remove such FRAUD Inquiries AFTER Ive notified Equifax dated on XX/XX/2022 that the Inquiries is Unauthorized use and Identity THEFT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! IDENTITY THEFT!!!!!!!!!!!!!! IDENTITY THEFT!!!!!!!!!!!!!!!!!!!!!!!! 

CFPB, this why its important you continue to sue the Credit Reporting Agencies, such as Equifax, XXXX, XXXX, because theyre going to continue to violate Consumer Rights and break Federal Law and shall be held accountable and prosecuted for their criminal activities. 

XXXX XXXX XXXX Equifax Information Services LLC CEO and Equifax ignorant employees willfully and knowingly and intentionally broke Federal Law Title 15 U.S. Code 1681s2 ( 6 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies ( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 

Being that Equifax Information Services LLC, XXXX, has willfully and knowingly violated Federal Law and failed to remove such Identity Theft Inquiries, I will file a lawsuit against Equifax, XXXX for willfully and knowingly violating my rights and Federal Law, and Fine the Consumer Reporting Agencies {$100000.00} ( PER VIOLATION ) for noncompliance under the Gramm-Leach-Bliley Act with prejudice!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson capital systems , LLC by and through theirs attorneys XXXX XXXX XXXX XXXX XXXX keep threating they going to seize my bank account and report me to credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANKERS HEALTHCARE GROUP LLC
State: NV

Complaint narrative:
Company Closed my account without any reason wouldn't tell me why they closed my bank I wasn't able to used my account for XXXX months XX/XX/2022 & I called on XX/XX/2022 to see what's going on with my account then they took me my account was closed didn't received any letters saying why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act The XXXX following accounts, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX 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

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 2022-06-26 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights. 

XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX 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 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 2022-06-26 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX # XXXXXXXX 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

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 2022-06-26 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: SC

Complaint narrative:
In accordance with the Fair Credit Act, XXXX XXXX XXXXXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number 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 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 2022-06-26 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: SC

Complaint narrative:
In accordance with the Fair Credit Act, XXXXXXXX XXXX XXXXXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX Bank account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number 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 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 2022-06-26 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:
EQUIFAX Complaint- Inaccuracy and false reporting XXXX XXXX- {$3600.00} XXXX XXXX- {$2400.00} EQUIFAX is the only bureau reporting this false account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
n accordance with the Fair credit Reporting Act XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that i have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a concumer reporting agency can not furnish a 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 2022-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
We applied for Mortgage Assistance after our forebearance plan ended, due to us being able to both go back to work and afford the mortgage again. This was the only option we got from the bank was to file the Mortgage Assistance application and not just add the back to our loan and continue to pay what we could. Our first application was denied. We quickly sent in another application. From this application we were given verbal confirmation, with a confirmation code on XX/XX/2022. We were to start out mortgage payments in XXXX with the loan modification we had the confirmation number too. We made a payment in XX/XX/2022, a few days later we received a letter telling us our application was denied on XX/XX/2022. We called them right away and they let us know they put us into foreclosure, seeing as they denied our application. We asked the bank to appeal the decision and filed a XXXX complaint on XX/XX/XXXX and XX/XX/XXXX. The complaint and appeal were filed XX/XX/XXXX. We have since, started a new Application for Assistance on XX/XX/2022 and have yet to hear back from them if they need anymore information, but this is the third time we have filed for assistance with no reasoning as to why we are being denied, until we are already denied. We have been calling USBANK at least twice a week for the last 4 months, minus the month of XXXX ( since we had the confirmation of our loan medication ). XX/XX/2022 we received our complaint back, saying that they sent out a letter asking for additional information on XX/XX/XXXX, which we have stated on every phone call we had not received that document and no one called us asking for more information. We have had XXXX people at USBANK say they would send us that letter for the last month and we still have yet to receive that letter. That letter from XX/XX/XXXX was also supposed to be enclosed in the complaint packet, which it was not. We have applied and called and no one seems to want to work with us, we can afford to pay our mortgage again and are working effortlessly to make that happen with no help from USBANK on their end.

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 2022-06-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I asked all three credit bureaus to Verify the information that XXXX XXXX was reporting on my report, the account is almost 10 years old and should not be reporting anymore and they will not help me with this problem. I have contacted everyone and still no help. 

XXXX XXXX XXXX XXXX Account # XXXX Opened XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I can't get in front of the interest payments and at the current rate, I will continue to overpay the loan approved. I have made payments for longer than a year and I still have a {$3900.00} balance on a {$4800.00} credit. I am not attempting to get out of any responsibility to pay, but the interest payment every month will never address the principal and I will be upside down unless I pay it off in full.

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 2022-06-26 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:
In accordance with the Fair Credit Reporting Act These Accounts ; HAVE VIOLATED MY RIGHTS 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 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. 

In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.

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