vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-06 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: NV

Complaint narrative:
The Credit bureaus stated my account was properly investigated yet how is that possible if the open date is inaccurate, the last active is inaccurate, and date last reported is not accurate. This grounds for removal as they also violated my rights under 15 USC 1681 Section 602 a : States I have the right to privacy. 

15 USC 1681 Section 604 a : Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

18 USC Chapter 13 Subsection 241 : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX XXXX  or an attempt to commit aggravated XXXXXXXX XXXX or an attempt to XXXX, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. 
Also the Credit bureaus took more than 30 days to complete my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 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: NV

Complaint narrative:
The Credit bureaus stated my account was properly investigated yet how is that possible if the open date is inaccurate, the last active is inaccurate, and date last reported is not accurate. This grounds for removal as they also violated my rights under 15 USC 1681 Section 602 a : States I have the right to privacy. 

15 USC 1681 Section 604 a : Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

18 USC Chapter 13 Subsection 241 : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to XXXX, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. 
Also the Credit bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: Frontline Asset Strategies, LLC
State: DE

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that customer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the customers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. This account is an adverse item they ( Furnisher of info. to credit agencies ) are reporting again without my permission which is against the law. 15 U.S. Code subsection 1681s-2 ( A ) ( 1 ), 15 U.S. Code subsection 1681 e and 12 CFR subsection 1016.7.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - 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 The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - 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 The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX -  XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: NJ

Complaint narrative:
Capital one refuses to give me a credit line increase and provides this information which comes from equifax There are too many missed minimum payments in recent history Presence of a revolving account charged off by a lender Presence of an account that is seriously delinquent or derogatory There have been too many recent inquiries My equifax report does not show any of this at all. I have had this problem for a long time and they keep blaming each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
New American Funding Broker Solution Inc, XXXX, XXXX XXXX XXXX, XXXX Michigan XXXX. I have two properties on one lot a front house and a newly legally permitted XXXX XXXX but they have different addresses. Insurance companies if there are 2 homes on l lot and they have different addresses they must have 2 separate policies. New American Funding refuses to acknowledge or pay for my hazard insurance from my impounded mortgage account. Recently, after many months they did make onXXXX payment on the guest house.but did not pay the hazard insurance on the the Front house which has an estimated value of {$900000.00}. I have been making the hazard payment since XX/XX/XXXX on the front house because New American Funding have not been making the insurance payments although they impound the money from my mortgage to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MN

Complaint narrative:
I am writing to file a formal complaint against Heartland ESCI for their horrendous loan servicing practices. Despite my loan being three years past due, Heartland ESCI failed to make any attempts to contact me or send me an invoice until this point. I was shocked to receive such an overdue notice, having never received any communication from Heartland ESCI about the loan. 

Since then, I have made numerous attempts to rectify the situation with the XXXX XXXX XXXX  and Heartland ESCI. While Heartland ESCI has put the loan in forbearance, they are still claiming that I owe the past due fees. I strongly disagree with this claim, as under the circumstances surrounding the COVID-19 pandemic, the loan should never have gone into repayment to begin with. 

I find it unacceptable that Heartland ESCI has taken such a negligent approach to servicing my loan. Not only has their failure to communicate with me put me in a difficult financial situation, but their insistence on charging me past due fees for a loan that was not supposed to be in repayment has only exacerbated the problem. 

I am filing this complaint with the consumer protection board in the hope that they will investigate this matter and take appropriate action to ensure that Heartland ESCI is held accountable for their actions. I urge the board to thoroughly investigate this matter and to take any necessary steps to protect consumers from similar practices in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: LCI Acquisition Inc.
State: OH

Complaint narrative:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics,
or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have continuously been submitting letters to both creditors and all 3 bureaus over 5 times in a matter of over 120 days and nothing has been resolved. XXXXXXXX XXXX XXXX  XXXX have gone against my consumer rights and I demand every item on my report from both agencies be deleted before I file a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: NY

Complaint narrative:
I was charged by XXXX during Covid. I called company several times to report that the equipment was returned. I was told not to worry about it- it was an answering service not actually XXXX . The item is still being reported on my credit with no proof of the actual findings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 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: IL

Complaint narrative:
I have reached out to these companies numerous times about the inaccuracies on my report about an XXXX XXXX XXXX XXXX XXXX XXXXXXXXThey have continued to report my credit report as accurate when it is in fact inaccurate.They have yet to delete this false information. I would just like for this account to be deleted I didnt give permission to have these accounts furnished to my report. Below is inaccuracies circled that are reported from each credit bureau Transunion XXXX and 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 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
I contacted Transworld Systems in XXXX of XXXX  when I received an alert about a derogatory debt being placed on my three credit bureaus. I immediately contacted the debt collection agency Transworld Systems and advise them that I was disputing the debt. I sent written correspondence via fax requesting proof of the debt with TransWorld systems because I have never entered into any contractual agreement with them nor had I given consent for any of my personal information to be shared with a third party or even sold to a third party. Your office actually filed suit against this company for the same unfair tactics that I am experiencing on the behalf of other consumers. On XX/XX/2023 I filed a formal complaint with your office after noticing that the derogatory misinformation placed on my credit bureaus had not been removed causing me to be declined for credit card increases and an auto loan. At that time I provided court documents proving that I did not owe an outstanding debt to the aforementioned property. It has been over 45 days and the federal law states that they have 30 days from the date of notification to either validate the debt or to remove it. I have documentation from the court clerk as well stating that there was not a lawsuit filed in their Court for relief. The management company is fully aware that the judgment entrance was for no relief and that there were no money to be collected on behalf of XXXX XXXX XXXX managed by XXXX Property Management. This was a malicious attack to damage my credit and it was done by the property manager XXXX XXXX. I'm requesting XXXX relief to be made whole for the month that this derogatory information remained on my credit bureau after proof was submitted on multiple occasions. Deletions are submitted electronically and only take moments to complete. There is no excuse whatsoever for this derogatory misinformation to continue to remain on my credit bureau without sufficient evidence to justify the reporting. I want it removed and I'm seeking damages to be made whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was contacted by mail from a debt collection agency named XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX, about a PayPal debt sent to them as a collection. This account was evidently opened using my name and address in 2022, but it was not me that opened it. From the email address that showed on the letter from Pay Pal, it was clearly identify theft. They claim I owe {$420.00} for a purchase I never made, and have sent two letters demanding payment. The first I knew of this issue was after being contacted by the collection agency, PayPal never reached out to me by mail to validate the account or purchase. NOTE, the XXXX XXXX reference number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 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: TX

Complaint narrative:
I have no knowledge nor did I consent to the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: NY

Complaint narrative:
I was charged by XXXX during Covid. I called company several times to report that the equipment was returned. I was told not to worry about it- it was an answering service not actually XXXX . The item is still being reported on my credit with no proof of the actual findings.

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