vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After checking my credit report i noticed these credit agencies and this company are in violation of my law and my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After checking my credit report i noticed these credit agencies and this company are in violation of my law and my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX XXXX  : XXXX XXXX, has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
i contacted theses credit reporting agencies multiple times to inform them of the multiple inaccuracies and illegal reporting and furnishings of the information i was presenting but have not received satisfactory response or legal documentation i requested. instead they continue to deny my right to dispute inaccurate misleading and illegal information that has already caused actual damages by sending a response of verified or we do not believe this is you when asking for the description of the procedures used to verify the response is noncompliant and unsatisfactory to the fcra the cfpb the ftc and even their own XXXX compliance standards

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
For several years to-date, TransUnion and XXXX are committing some XXXXXXXX activity on my Credit Reports XXXX XXXX effort to suppress my XXXX  account and my Credit Scores, Ive never XXXX a balance on this account since I received this pitiful little Secured XXXX  Card, I mean really! This month TransUnion Reported a {$260.00} balance due on this account, again Ive never once had a balance on this XXXX XXXX card account. To Counter this threat by TransUnion XXXX XXXX, at my beautiful creative XXXX  years and at the mere age of XXXX, I keep forgetting that Im a XXXXXXXX XXXXXXXX and Ive got to use other Resources besides the CFPB, Consumer Financial Protection Bureau, because of this personal threat by TransUnion XXXX XXXX, For this Cause, Ive Reached out to the U. S. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, their XXXX XXXX XXXX XXXX at XXXX to investigate this threat to both myself and other XXXXXXXX XXXX across the country to investigate this Real threat to the XXXX XXXX XXXX Community to-date. Please help with this investigation and threat with this blatant disregard & criminal activity by TransUnion XXXX XXXX with False Accuracy of Reporting under the Fair Credit Reporting Act, FTC. Federal Trade Commission, 15 U.S.C. section 1681 & 1682. Im going to bring attention to every Federal agency available, see because if these REPORTING AGENCIES are threatening me like this with the wealth of knowledge Ive got, these criminals are certainly Dumbbells if you ask me, Real Dumbbells!

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My XXXX loan shows a period of delinquency when I was actually in an XXXX repayment plan. 
o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My XXXX loan shows a period of delinquency when I was actually in an XXXXXXXXXXXX repayment plan. 
o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
There was a flood in my apartment where the washing machine broke and workers came in to fix the problem. They lifted the carpet and attempted to dry it out but did not move the large bed in the room. The water had gone underneath the bed and flooded the carpet. This carpet was not dried and or replaced. When I moved out, and moved the bed there was a large stain on the carpet from the flood. The apartment complex chose to charge me and not give me back my deposit for this stain, that was not caused by me. It was from the flooded carpet that wasnt properly taken care of. I am requesting for this charge to be removed from my report and for them to provide the documents that show That the carpet was flooded by their washing machine. I had to move out for several days, there should be a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
I received a letter on XX/XX/XXXX, from Mohela stating that I was granted student loan forgiveness. 
Introduction to the letter, " Congratulations! We completed our review of your repayment and qualifying employment history under the PSLF Program rules including the limited PSLF waiver explained below, and awarded PSLF credit based on these requirements. We determined you have successfully met the requirements of the PSLF Program and your loans listed below have been forgiven. Thank you for your public service! '' However, on XX/XX/XXXX, I received another letter that my account was placed on forbearance and another letter without a date stating that it was an error and a premature discharge. 

Introduction to the letter. 
" On XX/XX/XXXX, we sent you a letter in error stating we determined you successfully met the requirements of the Public Service Loan Forgiveness ( PSLF ) Program and your loan ( s ) had been forgiven. You should not have been sent a letter stating your loan ( s ) were forgiven as your loan ( s ) do not yet qualify to be forgiven. We now write to explain the error, the updates made to correct your account, and steps to take if you disagree with the correction. '' I want my loans to remain in forgiveness status as initially reported and congratulated for my service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting the removal of the FRAUD ALERT FROM MY CREDIT REPORT. THE NUMBER ON MY CREDIT PROFILE IS NOT CORRECT XXXX THAT NUMBER IS NO LONG AVAILIABLE. PLEASE UPDATE MY NUMBER TO 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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting the removal of the FRAUD ALERT FROM MY CREDIT REPORT. THE NUMBER ON MY CREDIT PROFILE IS NOT CORRECT XXXX THAT NUMBER IS NO LONG AVAILIABLE. PLEASE UPDATE MY NUMBER TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XX/XX/XXXX this account is incorrect LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
IDs XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XX/XX/XXXX this account is incorrect LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2024 Experian added XXXX XXXX XXXX  to my Credit without consenting with me and this company was not previously on my credit report. This violates 15 U.S.C Subsection 1681 ( b ) .On XXXX they closed the account and XXXX does not have midland mortgage listed. I am in belief I am being retaliated against by the credit bureau Experian 42 U.S. Code subsection 12203 ( a ) from previous cases that are still open with CFPB about the credit bureaus that are continuously emailing me instead of contacting me " a Bona Fide Consumer '' within the CFPB portal. Also Experian is continuously dropping my credit score after I stated I was opting out 12 CFR 1016.7 XXXX, XXXX, and Experian credit reporting services, in which I do not see any movement of the unlawful furnishers XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the United States Department of Education on my credit report and now XXXX XXXX mortgage has been added to experian but is closed on XXXX. These credit bureaus are unlawfully breaking USC codes and UCC codes. I have attatched my current report of XXXXXXXX XXXX XXXX on XXXX is closed and this should reflect all other credit reporting bureaus in which they are a third party and illegally reported on my credit and shall be removed from all credit reports.

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 2024-03-10 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report.I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX XXXXXXXX, Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Inquiry : XXXX XXXX, XXXX  XXXX XXXX, Inquiry : XXXX XXXX, XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies and I am attaching proof of data being breached through XXXX web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.

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 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened a checking account in XXXXXXXX XXXX XXXX for my business as I received a check in the amount of roughly {$21000.00} from a payer source for XXXX relief. I logged into the account to see if the amount cleared and received notice that they was investigating my account and possibly closing my account. I called Chase Bank and they wouldn't give any information except for once the account closed I would receive the money within 15 days. I have yet to receive the funds. However, I received a bank statement from the that shows the money was withdrawn.

Company response to consumer: Closed with explanation