vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-20 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: OH

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  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 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. 




XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation US DEPT ED Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation US DEPT ED Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 
. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it 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 non-monetary relief
Consumer complaint received 2022-06-20 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: Penn Credit Corporation
State: CT

Complaint narrative:
Around XX/XX/XXXX I noticed that Penn Credit was reporting and unpaid bill to my credit report. 1/ {$650.00} and 2/ {$2900.00}. I would like these collections to be removed because these balances does not belong to 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 2022-06-20 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Accounts XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX and 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. States a consumer reporting agency can not furnish a account without my my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation US DEPT ED Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 
2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

5.Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it 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 non-monetary relief
Consumer complaint received 2022-06-20 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Has violated my rights more than once, by taking inaccurate information off my credit report and putting it back on my credit report after the investigation was over. 

Also 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 with out my written instructions.

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

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 2022-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have repeatedly submitted an Employment Certification Form showing I worked for a PSLF eligible employer from XX/XX/XXXX to XX/XX/XXXX. Fedloan Servicing refuses to give me credit for all of that time, which should qualify under TEPSLF. I also submitted a ECF showing I worked for an eligible employer from XXXX, and I have not received credit for that time either. Please update my payment counts to reflect the time I worked at the XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
We have continuously been paying over {$500.00} a month to Navient, however, they still report late or non payment default on 5 of the loans, I am unable to make payments of any more than that because I am XXXX as of XX/XX/2020 and this is 1/2 my XXXX payment from the government and my physicians refuse to sign the letter to dismiss my student loans because of fear of legality which I am verified XXXX from XXXX and have not and can not return to work or complete my studies because of brain damage. We get a call every hour to two hours a day to threaten and harass us to pay. It is very disheartening even with me calling the XXXX student loan line that they can not get them to stop harassment even when Biden said that we would get a hold while in pandemic, it became even worse harassment they call from a Tennessee number every hour to two hours, everyday of the week, we have asked nicely to stop and to spread that amount across all 5 loans and they still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One is fraudulent reporting information and now hurting my credit after months - After fraudulent activity on the card! No one has helped me and I have been sent to collections for fraud on my card and usage I did not use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 and XXXX XXXX XXXXXXXX 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.

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 2022-06-20 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: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
I have recently received a letter from Municipal Collection Services LLC in reference to an alleged amount due to ( XXXX  ) for {$200.00}. To my knowledge, I have never agreed to do any business with ( XXXX  ). As of my right, please provide written validation of any business agreement with your agency ( XXXX  ) per FCRA regulations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: WI

Complaint narrative:
I disputed some accounts back in XXXX that I didnt recognize, I watched some videos on XXXX and came accross one that said these accounts need to be reporting 100 % accuraley. Well I disputed them for having multiple FCRA violations and most of them were deleted only to be reinserted without proper notifcation to me. 

These accounts are 1. ) XXXX XXXX Acct # XXXX 2. ) XXXX XXXX Acct # XXXX 3. ) XXXX XXXX Acct # XXXX 4. ) XXXX XXXX Acct # XXXX 5. ) XXXX- ACCT # XXXX Now they are reporting as 1. ) XXXX XXXX ACCT # XXXX 2. ) XXXX XXXX ACCT # XXXX 3. ) XXXX XXXX -ACCT # XXXX 4. ) XXXX XXXX ACCT # XXXX 5. ) XXXX ACCT # XXXX There are other accounts that are still reporting erroneously and would love to understand how these reporting agencies can do this without repercussion. They are not above the law. They should be removed off of all 3 bureaus and not just one or the other, If theyre all getting information from the same place they should all be reporting accuratley or removed from all 3! 
Here are the list of accounts that should not be there! 
XXXX XXXX ACCT NUMBER XXXX AND THERE ARE TWO ACCOUNTS WITH 2 BALANCES {$240.00} AND {$310.00} XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # 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 2022-06-20 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: WI

Complaint narrative:
I disputed some accounts back in XXXX that I didnt recognize, I watched some videos on XXXX and came accross one that said these accounts need to be reporting 100 % accuraley. Well I disputed them for having multiple FCRA violations and most of them were deleted only to be reinserted without proper notifcation to me. 

These accounts are 1. ) XXXX XXXX Acct # XXXX 2. ) XXXX XXXX Acct # XXXX 3. ) XXXX XXXX Acct # XXXX 4. ) XXXX XXXX Acct # XXXX 5. ) XXXX- ACCT # XXXX Now they are reporting as 1. ) XXXX XXXX ACCT # XXXX 2. ) XXXX XXXX ACCT # XXXX 3. ) XXXX XXXX -ACCT # XXXX 4. ) XXXX XXXX ACCT # XXXX 5. ) XXXX ACCT # XXXX There are other accounts that are still reporting erroneously and would love to understand how these reporting agencies can do this without repercussion. They are not above the law. They should be removed off of all 3 bureaus and not just one or the other, If theyre all getting information from the same place they should all be reporting accuratley or removed from all 3! 
Here are the list of accounts that should not be there! 
XXXX XXXX ACCT NUMBER XXXX AND THERE ARE TWO ACCOUNTS WITH 2 BALANCES {$240.00} AND {$310.00} XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # 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 2022-06-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comenity Capital Bank continues to lower my credit limit on my XXXX XXXX XXXX credit card. Every time I get my balance paid down by {$50.00} they lower the limit by that much. The letter they send states that it is due to my credit, however, my credit is better than when I opened the account, on the attached documents see from one letter dated XX/XX/2022 to the next dated XX/XX/2022 my score increased yet the letter states the limit decrease is due to a credit score decrease, this is not logical. I also have not given them authorization to run my credit again, so if they are actually running it to get this information this is an illegal practice. This lowering of my credit limit makes me have a maxed out card on my report which other creditors look down on when evaluating for new credit lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Self Financial Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXSBNASELFLNDR 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 2022-06-20 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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 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 2022-06-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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