vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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: PR

Complaint narrative:
For 2 years I have been sending letters to XXXX, XXXX and Transunion to eliminate charged off debt and late payments to theses companies and they keep this information in my credit reports they go against The Fair Credit Reporting Act of 1970 and The Fair Debt Collection Practices Act of 1977. I need your help with this so I am able to have the credit score possible to buy a new home and car.

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 2023-06-12 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: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2023-06-12 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:
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.

The letters are stated with items and issues.

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 2023-06-12 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:
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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:
SEE ATTACHMENT. 
I AM A VICTIM OF IDENTITY THEFT On XX/XX/2023 I notified EQUIFAX that I am a victim of Identity Theft and that information appears on my consumer report that are identity theft related. I Provided a copy of an Identity Theft Report, my identification and identified the information I required to be block from my report. I am a victim of identity theft and I have filed a Identity theft report regarding personal and credit information appearing on my consumer report that are not transactions done by me nor to which I received any benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: NY

Complaint narrative:
I sent a formal complaint on XX/XX/XXXX stating that XXXX and Experian are in violation of FCRA 15 U.S.C 1681s-2 : 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. 

The following account is inaccurate, having reported different dates of last activity and different high credit/balance amounts across all three credit bureaus. Fortunately, XXXX and XXXX did accurately fix my account after my initial inquiry, however Experian still has yet to do so. 

Creditor : XXXX Account # XXXX Additionally, they are in violation of 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) which states income is not to be reported on a consumer report. XXXX has already written off the debt to the IRS, therefore it should not be reported to any credit bureau, as it has been reported as a loss on their end and ordinary income on mine. If this account is not removed from my credit report immediately I will report XXXX to the IRS for 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 2023-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-12 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( 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 ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: LCI Acquisition Inc.
State: FL

Complaint narrative:
Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
This complaint is regarding my student loans with Navient. There has been a National pause on all federal student loans which included my student loans with Navient since the beginning of the Pandemic outrage. On XX/XX/XXXX I received a notification from my XXXX credit monitoring service that Navient reported a XXXX XXXX XXXX ) late payment to my credit report that devoured my credit rating! This is UNACCEPTABLE as I have held a perfect payment history with all my creditors! I immediately called Navient on XX/XX/XXXX and XX/XX/XXXX to ask how this happened and why Navient had not made me aware that I was past due or that my loan was no longer on pause!? I was told on both occasions that they had been trying to call me and supposedly emailed me regarding my past due balance. I NEVER received any phone calls or emails from Navient regarding a past due amount and I had no knowledge of a payment due since the payments have been on pause since the Covid Pandemic! They reported a XXXX  day late payment without even reporting a XX/XX/XXXX day late payment ( see attached ) and that is a violation on the FCRA! If Navient says they called and emailed me regarding a past due amount I demand to see all call records and emails showing this. I verified my email and phone number with the representatives I spoke with on XX/XX/XXXX and XX/XX/XXXX. I brought the account current and made a payment arrangement for my loan with Navient. I've had every intention of paying off my student loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
First this account was opened with XXXX XXXX and moved to department of education and now with XXXX XXXX  which neither one of these agencies have my wet signatures of a promissory note from both parties and should not be reporting on my credit report and have sent XXXX letters and no response. The original school of loans was closed and sued for defrauding the us government and school was doing illegal things and had to pay and be closed down and now I have lost credit hours and money in this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: GA

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. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 2023-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstCredit, Inc.
State: OH

Complaint narrative:
The amount is XXXX with a service date of XXXX from XXXX XXXXXXXX XXXX XXXX. Told the hospital I do not owe and it was still sent to collection compromising my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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:
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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/XXXX {$0.00} This card is still reporting but there is no late payment or collection nor has it been verified nor did I authorize any of this. 
XX/XX/XXXX {$120.00} This account was not verifiable by the furnisher but still is reporting. Furnisher could find any record of this account. 
XX/XX/XXXX {$710.00} This account is outdated and was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$370.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$390.00} This account is outdated and also this account was found by the furnisher to be identity theft. I turned in documentation to the bureau but they are still reporting inaccurate information. 
XX/XX/XXXX {$300.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$190.00} his account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
At credit care/ synchrony bank are saying I never payed off my credit card in which I did there adding additional fee of XXXX when the amount was XXXX And I happen to give them XXXX and XXXX also XXXX because I thought payment didnt go through and from there bank it maxed to XXXX saying I didnt owe anything but it then had error in there system saying I owe. I do not owe this company I completely paid them off and they took my money and over payed it they gave me XXXX back which I will never understand as of why cause they owe me more then that.

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 2023-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
My mother passed from XXXX on XXXX XX/XX/XXXX, and I opened probate on my mother 's estate XX/XX/XXXX. During the 6 months for open claims against my mother 's estate, Bank of America ( BoA ) submitted a claim for the remaining balance of the mortgage for the amount of {$68000.00}, ( see attachment BOA Creditor Claim ). The amount of the claim is for a secured home loan for property owned by my parents since XXXX and currently occupied by me, my parents ' only legal heir. Page 4 of the claim states, " THIS CLAIM IS BASED ON AN ACCOUNT FOR GOODS AND/OR SERVICES IN THE AMOUNT OF {$68000.00}, EVIDENCED BY ACCOUNT NUMBER XXXX. '' According to 12 U.S.C. 1701j3 ( d ), The Garn-St. Germain Act of 1982, not only is the claim by BoA misrepresented, but this claim is also unlawful based on the exemptions I qualify as heir of this property. I personally contacted BoA regarding this claim and according to the customer service representative, they were unable to pull up any records regarding this claim against the estate yet BoA was represented in court regarding this claim on/about XXXX XX/XX/XXXX. I feel the misrepresentation of BoA 's claim is to force the sale of my home. The debt listed in the claim is not a credit card or a home equity line of credit debt, but a home mortgage loan currently in the name of my deceased mother. The fact BoA, as recently as XXXX XX/XX/XXXX, continues to misrepresent this claim of debt in open court is a clear violation of the law. I feel as a XXXX the business practices of BoA regarding this probate claim are not only unlawful but demonstrate a clear bias against my inheritance of this home as a XXXX veteran.

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 2023-06-12 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I reviewed by Credit Report and noticed that I had 1 late payment in 2019 that I was never late on. I have never been late on any payments for the account ( Account Number : XXXX XXXX XXXX XXXX ) and also have never been late on any payment to another creditor. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to reflect " on time '' as they should be as I was never late. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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 submitted multiple disputes to remove the following XXXX XXXX Accounts : XXXX XXXX XXXX XXXX These accounts have been charged off and I have not received any of the 1099 cancellations of debt forms. These accounts should be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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 submitted multiple disputes to remove the following XXXX XXXX Accounts : XXXX XXXX XXXX XXXX These accounts have been charged off and I have not received any of the 1099 cancellations of debt forms. These accounts should be removed from my credit profile 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 explanation