vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I need your HELP : MIDLAND BROKE THE LAW! ! On XX/XX/XXXX I sent certified mail to MIDLAND CREDIT MANAGEM of tradeline XXXX of alleged debt XXXX due to their actions in violating my consumer rights and FDCPA Laws by parking the alleged debt on my consumer reports without proper notification and verification. The violations committed against me negatively affected my position to apply for a mortgage. Despite the FTC has already taken enforcement action against a debt collector parking debts on credit reports without notice to consumers, Midland has blatantly committed deceptive acts in passive credit reporting or parking instead of active collection efforts like phone calls and letters. Midland the collector furnishes negative information to the XXXX, XXXX, and XXXX without ever attempting to contact me about the alleged debt but only waited until I the consumer discovers the negative information upon my intent to apply for a mortgage. Midland also ignored the CFPBs new debt collection regulations, effective XX/XX/XXXX that requires notice to consumers about an alleged debt before the account can be reported to CRAs. Midland played delayed tactics in only sending me correspondence which I attached to with respect to legal threats and used another unknown address which is not my consumer reports- see exhibits attached. ( another violation ). To date, Midland has not yet acknowledged the communication of certified mail attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 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: CarMax, Inc.
State: NV

Complaint narrative:
I bought XXXX XXXX from Carmax in XX/XX/2022 for {$22000.00}. XX/XX/2022 someone collided with me in traffic and caused {$34000.00} in damages and the car was totaled by XXXX XXXX. During the time of settlement on this claim Carmax noted two late payments on my credit report. Since they were paid in full in less than five months of financing said vehicle the need to place late payments on this account was unnecessary cruel and has caused and continues to cause undue harm to my ability to finance another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: MA

Complaint narrative:
Experian you have refused to verify this account 100 % as I have requested and disputed multiple times. I didnt ask Experian to update account XXXX. Experian you continue to respond to my request to verify this account 100 % with this account has been updated. I have sent three different certified mail letter with return receipt to Experian requesting for this account XXXX to be verified 100 %. This account to date XX/XX/2022 still has not been verified 100 % as requested. If Experian had verified this account XXXX as requested per the FCRA The Date Last Reported would have changed to the date you last investigated this account. The Date Last Reported has never changed since I have disputed this account multiple times over the past year and still remains the same date today XX/XX/2022. This doesnt follow Metro 2 code compliance. I have provided as proof, copies from three different months of consumer reports from Experian showing the Date Last Report shows the same date on all consumer reports and has not changed after any disputes or request which means that Experian did not investigate this account XXXX according to the FCRA requirements. I have provided copies of my three certified mail return receipt and three different letters from Experian stating that the account has been updated which was not my request to Experian. My request to Experian was simple verified this account 100 % which did not happen as of XX/XX/2022. DELETE this account XXXX because Experian did not preform a investigation which is a violation of the FCRA by not updating the Date Last Report as required according to the FCRA. Delete this account for FCRA violations not investigating because Date Last Reported did not change.

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 2022-09-26 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: UT

Complaint narrative:
I was past due on my XXXX XXXX  account and called them on XX/XX/XXXX to set up a settlement. After being hung up on a few times I was told that they only do settlement calls on XXXX of month and call back then. Called back on XX/XX/XXXX and was told it had been sent to collections. In XXXX of XXXX I received a letter saying this had been sold to XXXX XXXX. I settled this debt with them XX/XX/XXXX for {$3000.00}. A couple of months ago I received a letter from XXXX XXXX  saying the debt had been sold to them. I notified them this had been sold and paid thru XXXX XXXX but never heard back. I filed a dispute with Experian on XX/XX/XXXX and included the letter from XXXX XXXX saying that I had a XXXX  balance. Experian notified me on XX/XX/XXXX that the debt had been verified. I've only ever had XXXX account with XXXX which is clear on my report and the XXXX XXXX email shows that it has been paid. I'd like the XXXX XXXX removed from my report.

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 2022-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
I currently have XXXX  Loans held by XXXX University and serviced by UAS. For the past three years, UAS has been erroneously reporting a default status to the NSLDS. Upon logging into their website as a borrower, it showed {$0.00} due as a payment and the account as being in repayment and current. They had their website coded on the front end so that I would see the loan as current and zero payments due, while at the same time sending opposite information to the NSLDS on the back-end that the loan was in default. 

In summary, for a period of at least three years, UAS has been providing information to the borrower that stated the loan was in repayment, in good standing, and zero payment was due while at the same time, providing information to the NSLDS that the loan was in default, not in good standing, and past due. These damaging acts committed by UAS were confirmed and acknowledged in writing by XXXX University officials via emails that are attached to this complaint. 

In addition, they have XXXX University listed as the lender. However, XXXX University has stated that they are not the lender but rather, the federal government is the lender, and they are just the servicer. 

Furthermore, during this time, XXXX University and UAS had the option to voluntarily suspend interest and payments for XXXX Loans in alignment with the 0 % interest Covid-19 forbearance offered by the Department of Education . UAS and XXXX University chose not to do this and instead, UAS erroneously reported my loan as defaulted. In fact, as of today, it is still being reported as defaulted to the NSLDS because they have not updated their records yet since they will only do so at month-end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Exeter Finance LLC., has violated my rights, thus this complaint for Unfair Debt Collection practice. I purchased XXXX XXXX XXXX on XX/XX/XXXX. The Auto loan was finance by Exeter Finance LLC. However, on XXXX XX/XX/XXXX, l suffer a job loss. After reviewing my consumer credit report, l noticed debt collection charged off by Exeter Finance. They alleged charged amount owed {$23000.00}. Amount reported to Credit Bureau {$25000.00} ... by Exeter Finance LLC., without proving any relevant additional contact information for account transfer see attachment F. 
I have made numerous attempts to contact Exeter Finance to address this debt obligation, see attachment XXXX XXXX XXXX, in an effort to make a payment arrangement and received no return correspondence. 
Subsequently, l attempted to dispute the debt from the Credit report and the Credit Bureau reported that the debt was in fact, verified by Exeter Finance and continued to report the debt see attachment XXXX XXXX. This Continued reporting without providing me a opportunity to paydown the debt is now creating employment issues for me as well as making it difficult to get hired due to the derogative reporting by Exeter Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: PR

Complaint narrative:
In 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. 

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 my 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 1681s2 ( 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 2022-09-26 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: PR

Complaint narrative:
In 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. 

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 my 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 1681s2 ( 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 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
its the chase credit card company ( chase bank ) they are asking us to the fradulent charges on my account XXXX last XXXX digits XXXX ), even though we reported fradulent charges and told them that we lost the card, we have called them several times but they are siply ignoring and asking us to pay regardless. 
as the credit card card aggrements, we do not have to pay the fradulent charges if they are not ours, its the law and in all fairness it should not be the case morally also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is not a duplicate in regards to a previous submitted complaint against Bank of America since my first complaint I have been faxing this exact document to Bank of America and mysteriously they have not received them in regards to my claim clearly here is the proof I have been trying to get to there department in regards to me being a victim of identity Theft thru unemployment insurance please get this documents to the right department so they can be attached to my claim so I can get the money back that was stolen from 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 2022-09-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Today XX/XX/26 I got an email from XXXX  XXXX XXXX saying they were trying to confirm my email address. Shortly after I received an alert that an inquiry was made from XXXX  XXXX XXXX to check my credit. I have never, and have no plans to use XXXX  XXXX XXXX and have never contacted them. Someone is trying to setup an account with my 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
Consumer complaint received 2022-09-26 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: AL

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.

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 2022-09-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # xxxxxxxxxxxx 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-26 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: CT

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 Bank Account XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX  XXXX Account number XXXX has violated my rights. 

XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Bank Account 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