vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 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: IL

Complaint narrative:
The Credit Bureaus stated that accounts : ( CHILD SUPPORT ENFORCEM Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX ) were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. The have also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not finish an account without my written instructions. I havent given these accounts written permission to furnish these accounts on my credit report as well.

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 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: AZ

Complaint narrative:
I.Q. Data international inc. had 2 judgements against me with 2 different case numbers pertaining my old apartment. I have paid them and the sent me a receipt indicating XXXX dollars are owed and they will only remove 1 of the 2 judgements they hold against me. When I call them they say I have to continue disputing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NY

Complaint narrative:
Back in XXXX, I entered an agreement with Jefferson 's to pay off a charge for a settled amount. The agreement was binding, and I paid my portion of the agreed-upon debt. However, as of yesterday, they added to my credit report an amount that was still owed. This search is a breach of contract, and as an attorney, I will pursue this as a breach of contract claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There are many inaccuracies in my credit report. I don't recognize this CAP ONE AUTO. The Date of Last Active differently ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX is not reporting this account. Also, if it is a charge-off account then there should be no balance on this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023, I gave XXXX XXXX XXXX permission to run a credit report in order for me to finance a used vehicle. 

On XX/XX/2023, XXXX XXXX XXXX made XXXX unauthorized hard inquires to bank to XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX apparently to get me a better rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: IN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have had private loans with Navient since 2007. In the 16 years I have had these loans, I have used up all of my forbearance allotment - I work for a Nonprofit and cant always make payments. I still owe over XXXX. I have been on interest only payments for a while. Interest only went from {$100.00} a month to almost {$200.00} a month very recently- without a reasonable or consistent explanation. I contacted Navient and was completely honest with them - I can pay no more than {$150.00} a month. 

There were XXXX options for me. I told them I would be forced to just not pay. 

Now they call me multiple times a day starting at XXXX. I talk with them for over 45mins at least XXXX a week, explaining the same thing over and over. They cant offer any solutions that work within my budget. And the calls keep coming. The company has no way of working with me to find a solution. 

They suggested that I apply to refinance with NaviRiFi which I did and I was denied a refinance loan - leaving yet another negative mark on my credit report. 

They offer no solution to my issue. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On my Experian credit file it shows a XXXX account closed in 2006 which shouldn't be in my file due to age. 

Also, Experian shows my fico score at XXXX and last month it was at about 816. They said in my report that I didn't have enough credit cards so I applied and they dropped my score for that by 50-60 points!!! The other reporting agencies show scores of 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 explanation
Consumer complaint received 2023-05-15 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: 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, 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.

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 non-monetary relief
Consumer complaint received 2023-05-15 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: DE

Complaint narrative:
I disputed these items they are not mine and I need them removed now. I have excellent credit but this company is reporting false information on my credit and won't remove it. The companies that I am requesting to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I NEED THESE ACCOUNTS REMOVED IMMEDIATELY. These are not my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: DE

Complaint narrative:
I disputed these items they are not mine and I need them removed now. I have excellent credit but this company is reporting false information on my credit and won't remove it. The companies that I am requesting to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I NEED THESE ACCOUNTS REMOVED IMMEDIATELY. These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-05-15 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: TX

Complaint narrative:
I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still having the same issues. This is hindering my opportunity of homeownership. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA 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. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. They have failed to do this as expected, according to the law, the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. This was the response after several dispute letters were sent and ignored. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. 

XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX : XXXX XXXXXXXX XXXX ( Please validate and correct ) Equifax : XXXX XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: TX

Complaint narrative:
I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still having the same issues. This is hindering my opportunity of homeownership. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA 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. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. They have failed to do this as expected, according to the law, the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. This was the response after several dispute letters were sent and ignored. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. 

XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXXXXXX XXXX ( Please validate and correct ) XXXX : XXXX Experian : XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: MS

Complaint narrative:
TransUnion removed it from my report and than added it back I never had a repo on my credit report and I have never even used that company when I got the address from them I went to the location and it was closed down and I told them that they removed it and added it back I need this issue fix this isn't none of my account and the address they have I never lived there

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 2023-05-15 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: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with XXXX Credit Reporting company. XXXX then would contact First Interstate Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by First Interstate Bank. Leaving the Report INACCURATE. The Account information for this complaint is taken from an XXXX credit report # XXXX for XX/XX/XXXX. The account is XXXX .... This is a joint account with my spouse. I will attach documents that XXXX provided. I contacted First Interstate Bank and requested documents about payment history or statements related to this account they informed that none were available and would not provide any documents. When you examine the account information from XXXX you will find that the Date Opened is XXXX XXXX. The Payment history ends XX/XX/XXXX. The Payment history is missing 12 months of payments making this report ( INACCURATE ). The Monthly payment ( NOT REPORTED ) missing information making this report ( INACCURATE ). Upon examining the provided XXXX document you will find the High balance as ( NOT REPORTED ) making the report ( INACCURATE ). Recent Balance is ( NOT REPORTED ) making the report ( INACCURATE ). The Payment history has been left showing a few months of an account which was active for 19 months making this report ( INACCURATE ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this Experian Credit Report which have been VERIFIED as accurate by First Interstate Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: NC

Complaint narrative:
15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license in addition to pay stubs and bank statements. To date the changes have not been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX issued emails identifying 'past due ' report by Affirm. Also received emails from Affirm of past due account. Called Affirm XXXX times ( XXXX ). Results on the first XXXX calls ( XXXX and XXXX ) were that the account number ending in XXXX as well as loan XXXX XXXXXXXX were not valid Affirm accounts. Third call resulted in XXXX finding an account under my email with a different phone number and address. She initiated a fraud alert responsibly. 

I have opened a id theft case with my XXXX XXXX XXXX 's office as well as engaged XXXX to dispute the credit impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX, I received 4 emails from Bank of America, who I do not bank with. I haven't clicked on or responded to any of those emails. 
The first email was to verify my email address used to create the account. I did not respond. 
The second was a welcome email for online / mobile banking enrollment. 
The third was an in-progress email for an application to a checking account. 
The fourth was the approval for the then opened checking account. 

Bank of America does not have an easy to find phone number to report fraud, so today, Monday XX/XX/15, I reached out via direct message to their XXXX account. 
After I missed their call, I called back. 

At noon the person I reached, XXXXXXXX XXXX, asked for my Social Security number to find the account. 
I stated I didn't want to provide my Social Security number because I did not set up the account. 
I noted that at least my email address used to set up this account since I received four emails from them. 

He said that he couldnt look up my email address and wanted me to physically go into a Bank of America branch. 
I declined and insisted he look up by my email since I was not the one who initiated the account to be setup. 
Since I didn't respond to ANY emails, including the email verification email, it appears his company was trying to defraud me either through insufficient vetting of an applicant or by BoA conducting unscrupulous activities by secretary setting up accounts. 
I informed him and in the XXXX XXXX thread, my next steps are to report the company for fraud. 

After replying to the XXXX XXXX direct message of my intentions to report them for fraud, I received a call back from XXXX in their Social Media department who pledged to act as a liaison to XXXX in the checking fraud department to try and resolve the issue using only the information they had. 

They insisted they could not proceed without my SSN, which I reluctantly provided. 
XXXX found an account, which used my SSN and a previous address and closed the account, noted there was no activity, stated she would report to the credit bureaus that the account was not authorized, and would send an email with next steps to protect against identity theft.

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 2023-05-15 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: GA

Complaint narrative:
To whom it may concern, Hi my name is XXXX XXXX XXXX. I have XXXX accounts of credit report that is hindering me badly and its causing mental and physical breakdowns. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX These accounts are hindering because I am trying to move my family into a house but because of these fraud accounts that I did not apply for, they are bring my score down and its causing turmoil in my life. I am stressing because I have to move my family into a bigger home. My mental state of mind is declining also. I am not eating, sleeping and functioning right because I do not what to do. I been disputing these accounts because its identity theft. These are not my accounts. I would like these accounts remove so I move on and get my family a home. These accounts are hindering my credit score and I am being denied left and right. Once these accounts are removed, I will finally be able to provide that home for my family.

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