vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report since XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be deleted in my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} 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 2022-09-21 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report since XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be deleted in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I had a XXXX in XXXX for a XXXX XXXX. I had 2 bills that were issued after insurance company had paid and I had paid what I was told was my portioon. I went round and round with the two differect collection companies until I could find out what the bills were for. Once I did, I paid the bills. 

Now, on XX/XX/XXXX I received a call from " Quantum Collections '' saying that I owed {$3000.00} for a mdical bill from the Hospital. I said that I did not owe any more money, I ask what the bill was for and was told again that it was for services from the hospital. So I asked what procedure it was for, at which time the caller got rude and told me that I would be sued if I didn't pay. I blocked the caller, because after my erlier experience, I know I don't owe XXXX more money. Now, I often calls for which my call blocker notifies me. Today I received 3 calls and I am tired of them and think its time that they are exposed for the scammers they are. FYI, They also call from XXXX and 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 explanation
Consumer complaint received 2022-09-21 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: MD

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : 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 explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I received an alert through my XXXX card on XX/XX/22 alerting me that a new account had been opened in my name. I reviewed the new account alert which showed a USAA account opened on XX/XX/22 in the amount {$24.00}, XXXX. I did not open this account. I called XXXX 's fraud department to report that I did not open the account. XXXX transferred me to XXXX where I continued to report the fraud. I then called USAA to report the fraud as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: MO

Complaint narrative:
This is XXXX XXXX submitting yet another CFPB Complaint to request that the reported accounts on my Credit File be corrected and updated. The Credit Bureaus ' efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be removed immediately. 

XXXX XXXX XXXX Balance Owed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File XXXX I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. 

XXXX XXXX Balance Owed : {$0.00} XXXX is reporting a deleted account from the other Credit Bureaus. This account was already deleted and yet you are still reporting this Account! According to the Fair Credit Reporting Act, reporting of accounts and information must be accurate. I need this account deleted as soon as possible.

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 2022-09-21 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: EQUIFAX, INC.
State: MO

Complaint narrative:
This is XXXX XXXX submitting yet another CFPB Complaint to request that the reported accounts on my Credit File be corrected and updated. The Credit Bureaus ' efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be removed immediately. 

XXXX XXXX XXXX Balance Owed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File ? I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. 

XXXX XXXX Balance Owed : {$0.00} Equifax is reporting a deleted account from the other Credit Bureaus. This account was already deleted and yet you are still reporting this Account! According to the Fair Credit Reporting Act, reporting of accounts and information must be accurate. I need this account deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I paid off my student loan XXXX XXXX. I did so by pulling equity out of my home. The total amount was {$20000.00}. After the Biden administration announced student loan forgiveness I contacted My Great Lakes XXXX XXXX requesting a refund for all payments made that qualified during the Cares Act. Today I logged into My Great Lakes and my balance went from {$0.00} after to {$20000.00}. I contacted My Great Lakes today to get an update on my refund. I was told that since the payment was made by a third party I was not eligible for a refund of payments made under the Cares Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: NY

Complaint narrative:
According to 15 usc 1666 B It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purposes. 

Also I was not notified 21 days before the due date. 15 usc 1666 b 1. XXXX XXXX XXXX. ( Account opened XXXX ) Late payments on XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX. 5 Late payments.

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 2022-09-21 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX. 

Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX  XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX & XXXX ) Account Name : XXXX  XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXXn ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  XXXX account number XXXX ) XXXX XXXX XXXX  Section XXXX A States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section : Also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer containing any of the following items of information. Any other adverse items of information other then records of convictions of crimes which antedates the report by more than 7 years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall notfurnish 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 2022-09-21 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: Self Financial Inc.
State: TX

Complaint narrative:
The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

SELF FINANCIAL/LEAD XXXX  XXXX As you can see I have been violated and due to the damages that have been done to my report, you are civilly liable to me in the amount of { {$8000.00} }. 

I will attach screenshot and bureau supposed investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello i reached out to XXXX & Equifax on 3 occasions via letter correspondence to correct or delete the below account due to " Account Status '' Reporting inaccurate. on the following 2 accounts. 

XXXX XXXX XXXX XXXX Account Status reporting wrong and inaccurate. these 2 accounts where paid in full back in 2020 if you look at the attached current credit reports of mine you will see there many errors that are effecting my life. you can always fix your eyes on the comments that the actual Equifax and XXXX noted that the accounts WHERE PAID IN FULL. i just want the statuses updated to Paid and not Derogatory. as you can also see XXXX reported the account correct. on the XXXX XXXX account. i have wrote to both companies on 3 occasions and never got a response back. i had no choice but to submit a full complaint here with proof. i also want to point out on the XXXX XXXX account the payment history has been reporting inaccurat as well since XXXX of 2020 you can see on the report experian reported me ( CO ) but Equifax reported that i paid ( OK ) meaning on time. how is that so? how can i be late CO and OK at the same time. these inaccurate reporting 's are in violation and need to be removed from my credit reports. thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: NY

Complaint narrative:
According to XXXX XXXX XXXX B It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose. 

Also I was not notified 21 days before the due date. Law XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. ( Account opened XXXX ) Late payments on XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX. 5 Late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX 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 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
I called the company on XX/XX/2022 and settled the debt and I never received a letter in the mail. I was treated very poorly via phone when I called on XX/XX/2022. I was told that I can either receive the settlement letter by mail or email. I never received the email and called the company back on XX/XX/2022 to let them know I did not receive it. I requested to speak with a Supervisor and was verifying my mailing address. They had the wrong mailing address and I provided that to them the day I set up the payment arrangement to set up the debt. To this day I never received the letter via mail. They would say anything just to get me off of the phone. I called back one last time on XX/XX/2022. I asked if the debt would be deleted off of my credit and I was told that it will not be deleted even though the debt was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In response to CFPB complaint XXXX, Executive Office Case XXXX XXXX XXXX XXXX states `` We would like to add that on XX/XX/XXXX we received returned mail and we suppressed statements for XX/XX/XXXX and XX/XX/XXXX. '' Under the Account details section XXXX XXXX XXXX makes clear that statement generation was somehow suppressed because of alleged returned mail and " statements were started again in XX/XX/XXXX after you confirmed address in XX/XX/XXXX. '' Multiple comlaints were filed between XXXX XX/XX/XXXX and XX/XX/XXXX through the CFPB portal and ALL were consistent with the address information. Moreover, the CRAs did not report a change in my address, and I continued to reside at the address through late XXXX. Finally, I have no recollection on specifically providing documentation that allegedly " confirmed '' my address because my address had not changed. That somehow a returned piece of mail would warrant cessation in statement generation, to not only withold paper statemens, but access to electronic statements is incohate. Moreover, it is a violation of 12 U.S. Code 5531 ( a ) which makes clear that WF  was to have provided this information to me in electronic format, accessible by me through electronic means. An aggrevating factor in this matter is that I am, and was at the time, a XXXX individual due both to a chronic illness and long-COVID. Under the ADA access to electronic statements would be considered a reasonable acommodation, and claims of WF of " we didnt know about your XXXX '' are moot because they must allow consumers to retrieve information regarding their accounts in electronic format that is accessible by a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality 15 US 1681. 

Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXXXXXX ( account number XXXX ) Account Name : XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX & XXXX ) Account Name : XXXXl XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  XXXX account number XXXX ) 1

5 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A section : 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 containing any of the following items of information. Any other adverse items of information other then records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall notfurnish 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