vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON THE FOLLOWING ACCOUNTS. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX AND XXXX XXXX XXXX XXXX # XXXX. I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.

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 2023-05-04 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: 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. 
XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX  : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/29, around XXXX, I received a text from the bank informing me of an attempted purchase at a XXXX XXXX Florida ( I live in Nevada ). I opened my bank account to check in case the text was a scam and was met with the app asking me a couple questions about transactions I did and didnt recognize. I then got a call from the Bank of America support number ( XXXX XXXX ) and double checked to make sure it was the correct number before speaking with the representative XXXX XXXX. He asked me questions about some transactions and was actively looking at my bank account, so I had no reason to doubt he was an employee. He had me XXXX my money to a case number where I was told I would get my money refunded to me, yet as of XXXX I still do not have my money. I sent all of the money in my checkings and savings, equaling about {$1800.00}, and now I have gone five days with {$0.00} in my bank account. I called the bank and they said they could not help me.

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 monetary relief
Consumer complaint received 2023-05-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I try esolve problem whit company and never resolved and I have hard inquiry never I authorize I so torereceive letter about application is not me

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 2023-05-03 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-05-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After the mortgage account transferred from XXXX Mortgage to XXXX, my payments were set up on a bi-weekly schedule and XXXX 's automated system was incorrectly applying the automatic payments made from my bank to principal, instead of regularly scheduled XXXX XXXX XXXX payments. I made several calls to XXXX requesting correction, in fact in 2019, I had to make these calls every month and they were still unable to correct mis-application of my payments until two " missing '' payments were reported to the credit bureaus. After numerous requests to correct this issue and XXXX representatives ' admission this was a systematic error, my credit report still shows payments made on time that were misapplied as " missing '' payments. Please help addressing this issue, as it is the ONLY negative mark on my extensive credit history in the past 30+ years.

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 2023-05-04 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: AES/PHEAA
State: NC

Complaint narrative:
I experienced a medical emergency that created various hardships and was unable to submit my IDR plan information. I contacted my lender, AES in XX/XX/XXXX to discuss options and notify them that my re-certification paperwork would be late. They advised there was no longer COVID relief assistance available. I asked about additional options and was told there weren't any available. My loan went into default and was reported as being late for 2 months. I continued to call them to discuss options to no avail.

The last email I received regarding COVID  relief options from AES was received on XX/XX/XXXX. However ; they stated the relief offer ended in XX/XX/XXXX - I called prior to this date. One of the main items is that AES did not offer me the option to Consolidate my loans. This would have temporarily paused my loans and. Allowing them not to be reported as late and given me time to set-up other options. I have called to work with AES tirelessly from XX/XX/XXXX- XX/XX/XXXX to no avail. I have also submitted two credit report disputes to AES.

My issue is that I was not offered COVID relief options nor Consolidation. All options were to be provided and they were not. 

The desired resolution would be to have all late payments/delinquency reported to the credit agencies removed as all options were not provided to me as the loan borrower. All options should have been recommended so I could consider them and decide what was best. This was a servicing error on the part of AES and the delinquency should be removed from my credit report for all agencies. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: SC

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2023-05-04 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: SC

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Uplift, Inc
State: GA

Complaint narrative:
I scheduled a vacation for XXXX last year on XX/XX/2022. I financed through Uplift for {$1600.00} with XXXX XXXX. XXXX XXXX cancelled the returning flight. Because of their error they offered a refund or a credit by phone. I asked for a full refund. They said my refund would process in XXXX business days. They continue to charge my account, and now Uplift is threatening to report to my credit for non-payment. I have called XXXX XXXX, and I can not reach a live person. I contacted Uplift and they can not help. I just want my refund. I never want to use XXXX XXXX, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
Complaint ID # XXXX ConServe responded to my initial complaint .stating their records do not reflect any previous telephone communications directly between you and any of its representatives. And a cease and desist has been noted by Conserve and I will receive no further communication from them. With that being said. 
I am fallowing up to make sure all negative reporting are removed from the credit report in question. 
According to FDCPA unfair and DECEPTIVE PRACTICES ARE A VIOLATION OF THE CONSUMER RIGHTS AND MUST BE REMOVED. AND DAMAGES ASSESSED ACCORDING TO CONGRESS. 
Also, Parties may be considered volunteers if, in making a payment, they have no interest of their own or protect, they act without any obligation, legal or moral and they act without being requested to do so by the person liable on the alleged original obligationXXXX 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 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Receipt of email notifications hitting my outlook inbox regarding debt collection by Transworld Systems IncXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, PA XXXX on behalf of XXXX XXXX located in XXXX, California. TSI reference number is XXXX in the amount of {$210.00}. The XXXX XXXX listed in the email shows an address is located in XXXX XXXX, California. I have never resided at that location, nor have I ever had services provided by XXXX XXXX. This is the 2d email Ive received and I havent responded or attempted to contact them because XXXX suspicious of phishing emails from unknown/unrecognized senders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello Sir/Madam last year XXXX of XXXX, I have gotten a home improvement loan from EnerbankUSA to do a roof replacement for my house in the the amount of {$15000.00}. The loan term says same as cash which i never knew how it works since they never provided any information. However it says the payment is not due until XXXX this year, XXXX. Fine so I have set up an automated bill pay in ADVANCE for the monthly {$300.00} on XX/XX/XXXX. At the same time I have tried to contact enerbank to find out exactly what's my exact balance is due. Therefore, I couldn't get a hold of anyone. The website didn't work for me neither the phone call to obtain the balance i needed to pay. Most of the times its 30 to 45 minutes call wait time and the call gets dropped after certain time. Anyway I was making random payments such as {$7000.00}, {$3000.00}, {$2000.00} within one month. Then on XX/XX/XXXX, after so many attempt, I finally got a hold of a live EnerBank customer service adviser. When I asked about the remaining balance he said I still have some small balance left but also there is interest occurred. I asked the associate to take the remaining balance over the phone immediately, which he did and there shouldn't be any balance left on the account. Then I tried to explain to him that's why i called many times to find out the balance but its almost impossible to talk to someone. If there is any interest which unintentionally happened due to the fact not to get a hold of anyone. Then the associate told me that supervisor is in a meeting but he will call me back to resolve the matter. Nearly one month later on XX/XX/XXXX i got to talk to a different adviser in EnerBank, and explained the situation again that i was expecting a call back from your superior but then i never received any call. the she said the same thing supervisor is in a meeting and she will expedite the matter and supervisor should call me the very same day. Unfortunately no one called at that day. Then i tried to learn about the bank and found some interesting facts. That's how they do bad practices in the name of bank. Intentionally they don't flow ON CALLS or correct information provide to the consumer and therefore most of their consumer can go through with XXXX and illegal fees/ interest which is not consumers own fault.

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 monetary relief
Consumer complaint received 2023-05-03 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:
This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and ignored that request and it seems that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws. 

In addition, they are in violation of 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title -nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

This means XXXX XXXX  a financial institution has disclosed nonpublic personal information to nonaffiliated third parties XXXX, XXXX and Transunion. 

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief