vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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: RI

Complaint narrative:
I have called and tried to make the changes to my credit reports by XXXX XXXX equifax and XXXX. Over and over an over again. I have tried to make the changes online myself as well. Many times. I have not once spoken with anyone who even has a credit score or social security number themselves. I have been told over and over and over again that all my personal information on my credit reports has been changed to the information I have provided. I have been told that all the false and inaccurate information on my reports is not even on my reports. When I am looking at the information with my own eyes online. While I am on the phone with the service agents. They just tell me that they have done what I asked them to do. But in fact nothing at all changes from the false information on my reports to the accurate information I give them over the phone. Its as if they are taking my information and using it to change my reports to whatever they want to add. This sounds ridiculous but it is in fact 100 % true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: RI

Complaint narrative:
I have called and tried to make the changes to my credit reports by XXXX XXXX XXXX and experian. Over and over an over again. I have tried to make the changes online myself as well. Many times. I have not once spoken with anyone who even has a credit score or social security number themselves. I have been told over and over and over again that all my personal information on my credit reports has been changed to the information I have provided. I have been told that all the false and inaccurate information on my reports is not even on my reports. When I am looking at the information with my own eyes online. While I am on the phone with the service agents. They just tell me that they have done what I asked them to do. But in fact nothing at all changes from the false information on my reports to the accurate information I give them over the phone. Its as if they are taking my information and using it to change my reports to whatever they want to add. This sounds ridiculous but it is in fact 100 % true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX  XXXX  XXXX  XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$3700.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} NATL XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I've been trying to get a copy of my XXXX XXXX / Sage Stream report for the longest and every time i fill out the form, I never receive anything in the mail. I am frustrated because I need to dispute incorrect information from my report that's preventing me from obtaining lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I checked my credit score and noticed a bill in collections for {$4900.00}. Called XXXX  and figured out the account was not made by me and it is identify theft. The lady I spoke too said the person made the account in XXXX. Ive had no knowledge of it until XXXX when the bill went into collections. She told me to make a police report, which I will do today XX/XX/XXXX and to make a report on this website. I also disputed it through the collections company which is Convergent, but they denied the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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:
( SEE ATTACHED PROOF OF FRAUDULENT ) EXPERIAN CONTINUES TO BE WILLFULLY NON-COMPLIANCE AND ASSIST AND XXXX IN FRAUDULENT ACTIVITIES AFTER PAST COMMUNICATIONS XXXX AND XXXX HAS CONFIRMED XXXX XXXX IS A FRAUDULENT ACCOUNT AND HAS DELETED AND REMOVED XXXX XXXX  ACCOUNT AFTER SENDING SAME DOCUMENTATION TO EXPERIAN CURRENTLY EXPERIAN IS GOING THROUGH A LAWSUIT DUE TO IRRESPONSIBLE SECURITY OF CONSUMERS INFORMATION I MAY AS WELL BE ONE OF THESE VICTIMS PLEASE DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: 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 : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number XXXX XXXXXXXX Account name XXXX XXXXXXXX XXXX Account number : XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX Account number : 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 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 explanation
Consumer complaint received 2022-11-14 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXX : {$4400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: AR

Complaint narrative:
XXXX, I called to request a refund for payment made during the pandemic and was told the request was being processed. There is no confirmation given. I called back XXXX weeks later to ensure the request was submitted. I was told it was submitted and they weren't sure how long it would be, because my refund was tied up with my student debt relief. I was under the impression these are XXXX seperate transactions?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: OK

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 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.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: NY

Complaint narrative:
Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX : Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX In accordance with the Fair credit reporting Act The list of Accounts above has Violated my Federally protected consumer rights to privacy and confidentiality under U.S.C 1681! 5 U.S.C 1681 section 602 ( A ) States i have a right to Privacy 15 U.S.C 1681 section 604 ( A ) Section C it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 ( C ) ( A ) 5 States no consumer reporting agency may make any consumer report containing any of the following items of information any other then records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 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 2022-11-14 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: NY

Complaint narrative:
Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account # XXXX : Account Name : XXXX  XXXX Account # XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX In accordance with the Fair credit reporting Act The list of Accounts above has Violated my Federally protected consumer rights to privacy and confidentiality under U.S.C 1681! 5 U.S.C 1681 section 602 ( A ) States i have a right to Privacy 15 U.S.C 1681 section 604 ( A ) Section C it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 ( C ) ( A ) 5 States no consumer reporting agency may make any consumer report containing any of the following items of information any other then records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 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 2022-11-14 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: NJ

Complaint narrative:
In XXXX of XXXX  a payment was reported 30 days late on my report. Apparently the payment was due on XXXX XXXX, XXXX  and was on auto pay which pulled on XXXX XXXX and apparently returned for whatever reason on XX/XX/XXXX. I was never notified that the payment was returned nor was i given the option to make a payment. By XX/XX/XXXX the next payment was due and likewise was taken out of the account because it was on auto pay as well. The XX/XX/2022 reporting of a 30 day late payment is totally inaccurate. From XXXX XXXX XX/XX/XXXX is NOT 30 days, its in-fact 28 days. This means this company was allowed to falsely report on my credit report and has been falsely reporting on my credit report for the past 8 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX calls, texts, and emails me regarding a debt owed by " XXXX XXXX '' to the XXXX. 

I have notified them multiple times that I am not this person, I do not know this person, etc. 

I have had my cell phone number for over 20 years, this debt is not mine. They state they will remove me, a month or two passed and they are back calling and texting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TN

Complaint narrative:
My information was stolen on a website that I put my information on and did not realize what exactly happened until I looked at my full credit report and saw so many incorrect accounts on my report. And I will work to get every negative account off of my credit report that was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Bliksum, LLC
State: OH

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the rights 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. Under 15 usc 1666 B a creditor may not treat a payment on a credit card account under and open consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
In XXXX I received a letter in the mail stating that I received a special offer to apply for up to {$4000.00} and then I wouldn't have a payment on my loan until XXXX, so I applied with some upcoming medical bills I am anticipating, they denied the loan, then today, less than 2 weeks after they denied me they sent me a letter with the same wording except no payments until 2023! Stating up to {$10000.00} dollars. This is not an acceptable practice as they KNOW and I KNOW it is NOT something they can do and sending a letter KNOWING nothing is available is not an ethical or correct practice and is very distressing and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
XX/XX/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 XXXXXXXX phone number Ombudsmen, CASE # XXXX I have filed the above case # with your office and have not received any information from you as of today. I would like you to contact me ASAP as I have many issues to discuss with you. I will list the circumstances of my student loan on this letter. 

# 1- XXXX Attending XXXX, XXXX XXXX XXXX XXXX XXXX made payments until.. 
# 2- Student loan purchased by XXXX XXXX XXXX XXXX XXXX my payments # XXXX Student loan purchased by XXXX XXXX. Made my payments.. 
# 4- Student loan purchased by XXXX  been making payments under IBR for 10 years The original amount that I took out was XXXX..all of these sales of my Loans were made without my authorization and now the balance is around XXXX.. 
I have been denied the XXXX XXXX forgiveness ( I have been working as a XXXX  at a Title XXXX and XXXX School for 7 years ). I was also denied PSFL ( prior to the Teaching position I was an Instructional Assistant for 4 years ). Working for XXXX XXXX XXXX XXXX XXXX. 
In XXXX I was attending XXXX to finish my last 11 hours of classes and took out a small student loan to get a lower interest rate from 9 % to 7 %. I do not want to refinance again as the debt incurred will be the XXXX ( the difference is capitalized interest ). 
In XXXX I was attending college for my XXXX XXXX and paid all of the monies ( tuition, books and state testing fees and license fees ) by myself. 
I will complete the XXXX  or the XXXX XXXX XXXX again if need be. 

I do not have a personal email address I would like all correspondence to be sent by snail mail to my post office box or by phone call. 

Thank you for your attention to this matter, XXXX XXXX XXXX TO : FAX NUMBER XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: TX

Complaint narrative:
My personal information on my credit report is incorrect starting with my name, address. XXXX showing my personal information misspelled names and my current address showing old addresses listed below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NAME ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESSES XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING 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