vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Experian multiple times to verify three accounts and they have not sent me supporting information on these accounts that have been bringing down my credit score. I have asked and written multiple times over the last 4 months to submit the verifiable information and I receive " updates '' and " remains '' on credit report. They have not sent in supporting information and continue to report past due amounts monthly on accounts that are past due and closed. This is a violation and they will not submit any information after months of requesting. I made the first request in XXXX and subsequently months after. I have called, written physical mail, emailed and disputed online. I have asked to delete these accounts and they remain on my report. It is hurting my credit and they can not tell me where these accounts came from in the first place. Dates are inaccurate, accounts are fraudulent and it continues to be updated monthly as " past due '' on a collection account. 


XXXX XXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX of {$2500.00} XXXX XXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX {$2700.00} XXXX Credit Card XXXX XXXX XX/XX/XXXX XXXX Account Charge off PAST DUE as of 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 2022-10-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights and confenditiality under 15 USC 1681. 
Account # XXXX, and Account # XXXX has violated my rights. 

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

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

15 U.S.C 1681C. ( a ) ( 5 ) Section States no consumer 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 reporting agency if the person knows or has reasonable cause to believe that the inforamation is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
requested refund for {$24000.00} from aidvantage on XX/XX/2022 in order to qualify for student loan relief. I was told I would receive the refund in 4-6 weeks and no payments would be taken from my bank account until after XX/XX/2022. My balance is showing XXXX ( paid in full ) but a payment of {$320.00} was taken from my account on XX/XX/2022. It has been 7 weeks since I requested the refund and I haven't gotten it or any confirmation that it was even processing. Can not get a straight answer from any customer service agent when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights and confenditiality under 15 USC 1681. 
Account # XXXX, and Account # XXXX has violated my rights. 

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

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

15 U.S.C 1681C. ( a ) ( 5 ) Section States no consumer 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 reporting agency if the person knows or has reasonable cause to believe that the inforamation is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act accounts listed below have violated my rights. These accounts have shown as " VERIFIED '' by the fair credit reporting agency. I provided proof of my credit report that they are inaccurate. 15 USC sections 604A section 2 also states that a consumer reporting agency can not furnish these accounts without my written instructions. The below listed accounts are inaccurate and violate my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-10-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted XXXX multiple times to verify three accounts and they have not sent me supporting information on these accounts that have been bringing down my credit score. I have asked and written multiple times over the last 4 months to submit the verifiable information and I receive " updates '' and " remains '' on credit report. They have not sent in supporting information and continue to report past due amounts monthly on accounts that are past due and closed. This is a violation and they will not submit any information after months of requesting. I made the first request in XXXX and subsequently months after. I have called, written physical mail, emailed and disputed online. I have asked to delete these accounts and they remain on my report. It is hurting my credit and they can not tell me where these accounts came from in the first place. Dates are inaccurate, accounts are fraudulent and it continues to be updated monthly as " past due '' on a collection account. 


XXXX XXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX of {$2500.00} XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX {$2700.00} XXXX Credit Card XXXX OPED XX/XX/XXXX XXXX Account Charge off PAST DUE as of 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 2022-10-15 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted XXXX multiple times to verify three accounts and they have not sent me supporting information on these accounts that have been bringing down my credit score. I have asked and written multiple times over the last 4 months to submit the verifiable information and I receive " updates '' and " remains '' on credit report. They have not sent in supporting information and continue to report past due amounts monthly on accounts that are past due and closed. This is a violation and they will not submit any information after months of requesting. I made the first request in XXXX and subsequently months after. I have called, written physical mail, emailed and disputed online. I have asked to delete these accounts and they remain on my report. It is hurting my credit and they can not tell me where these accounts came from in the first place. Dates are inaccurate, accounts are fraudulent and it continues to be updated monthly as " past due '' on a collection account. 


XXXX XXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX of {$2500.00} XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX {$2700.00} XXXX Credit Card - OPED XX/XX/XXXX XXXX Account Charge off PAST DUE as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: FL

Complaint narrative:
I sent letters on XX/XX/2022 about incorrect information on credit report. 

1. the credit bureaus has violated my rigths numerious of times. they violated my givrn rights unde

r 15 USC 1681. According to 15 USC 1681 section 601 A, states I have the right to privacy.

According to U.S.C 1681 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 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I have multiple accounts on card and after AMEX changed statements to include pay over time feature statement balance on cards is not true or correct. 
The reason AMEX is unwilling to correct is that new statement format balance includes credits in balance and people who pay over time are being charged int rest on credits as well-as charges with current method of accounting. 
Since this dispute started my card info has been stolen once and AMEX has deliberately harassed me by canceling and or modifying my cards causing many calls to them always resulting in further issues never correcting fraud that resulted in original complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: IL

Complaint narrative:
I had an account with XXXX and after a payment was deducted from my card account. I cancelled the XXXX. 
Following my cancellation XXXX XXXX XXXX email informing me they were issuing me a refund {$15.00} and that I would receive the refund before XXXX. The refund was placed into my Netspend all access account. Subsequently the funds were removed back out of my NetSpend all access account without my permission. 
I then contacted my card account issuer NetSpend all access. Who confirmed the refund and reversal by XXXX. Netspend to my dispute along with the copy of the email I'd received from XXXX. and made me pay fees to get a new card. 
On XXXX I received a written letter from NetSpend XXXX XXXX had XXXX XXXX XXXX for {$15.00} and completely ignoring the reversal of the refund back from my account ( done without my permission ) which was the basis of my dispute. 
On XXXX ( the date of this complaint ) I contacted NetSpend all access customer XXXX. 
claim # XXXX and was given the run arround by several different employees. Though only one would provide name and Id # and that would be XXXX. 
another named XXXX and XXXX refused to provide Id numbers.

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 2022-10-15 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: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
On XX/XX/2022 I was contacted by Synchrony Bank about suspicious charges on my Lowes Credit Card. Approximately, {$14000.00} was fraudulently charged. I verified with Synchrony that these were not my charges. They stated my address had been changed online and they updated it to my actual address and sent me a new card. The new card was intercepted by the fraudster and mailed to their home. XX/XX/2022 the newly issued card had approximately {$12000.00} fraudulently charged. Again, I called in and verified with Synchrony that these were not my charges. They issued me a new card which was intercepted again by the fraudster and on XX/XX/XXXX, {$12000.00} fraudulent charges were posted. I have had to call Synchrony 5 different times regarding this. They have nothing in place to verify address changes or suspicious activity on an account that already has recorded fraud. I just called Synchrony because {$8000.00} is reported on my credit report. The person I talked to was not from the United States and was very unprofessional and would not answer my questions. He kept telling me my card would not be sent because the account was frozen. I called to find out why {$8000.00} was on my credit report and he became very rude and talked over the top of me and would not listen. I had to raise my voice and talk over him. He told me my fraud charges were under investigation but he would not answer my question as to why, of all of the charges that have been fraudulently posted to my Lowes account, {$8000.00} is hitting my credit report. I would have prefer to speak to someone who is more helpful. I ended up hanging up on him because he was rude, unprofessional, inept and obnoxious.

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 2022-10-15 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
To Whom It may concern : Ive had identity theift for years and have contacted the police and their response to me was since it is small amounts each time it was nothing that could be done but if it was a lump sum then action could be taken. I have written serveral letters to the credit bureaus asking for debt validation and orginal contracts stating what is being reported on my credit report is accurate, and it comes back as verified but I never recieve written documention showing its actually an account I have authorized. I was also a victim of the XXXX data breach in 2017 and looking at my XXXX report I also see that my personal information in being viewed on a daily basis. I will attach documents for the certified letters that Ive written also proof showing my personal information has been compromised. Ive writtent certified letters to not only the the credit bureas but the collection agenices that are incorrectly reporting on my report. Ive also done my due dillegence and have documentation showing that the listed companies are illegally trying to collect a debt are unauthorized to collect in my state of Ohio. If the attached documents are not clear please visit XXXX. Listed below are the companies XXXX ) LVNV Funding 2 ) I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act these accounts have 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. 

I have also attached a copy of my ID I did not attach my SSN considering the data breach and my personal information being compromised, but if there is any other documentation that is needed from me please let me know. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
To Whom It may concern : Ive had identity theift for years and have contacted the police and their response to me was since it is small amounts each time it was nothing that could be done but if it was a lump sum then action could be taken. I have written serveral letters to the credit bureaus asking for debt validation and orginal contracts stating what is being reported on my credit report is accurate, and it comes back as verified but I never recieve written documention showing its actually an account I have authorized. I was also a victim of the XXXX data breach in 2017 and looking at my XXXX report I also see that my personal information in being viewed on a daily basis. I will attach documents for the certified letters that Ive written also proof showing my personal information has been compromised. Ive writtent certified letters to not only the the credit bureas but the collection agenices that are incorrectly reporting on my report. Ive also done my due dillegence and have documentation showing that the listed companies are illegally trying to collect a debt are unauthorized to collect in my state of Ohio. If the attached documents are not clear please visit nmlsconsumeraccess.org. Listed below are the companies XXXX ) XXXX XXXX XXXX ) I XXXX XXXX XXXX ) XXXX XXXX  XXXX ) Amsher Collection Services XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act these accounts have 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. 

I have also attached a copy of my ID I did not attach my SSN considering the data breach and my personal information being compromised, but if there is any other documentation that is needed from me please let me know. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Account number XXXX Open/closed Closed Date opened XX/XX/2022 Account type Cell Phone has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15 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: IL

Complaint narrative:
I'm victim of identity Theft, I have filed report with FTC as well as a Police Report in my community, I have sent to Equifax disputing letters like 4 times, they still denied removing one of accounts that been opened by fraud. ONLY EQUIFAX has reported this account and keep saying to me like this account has been verified. HOW?? If two other Credit Bureaus removed this account and Equifax has been verified. From my last letter that I mailed to them in XX/XX/XXXX they didn't even responded. All my mails been sent with certified mail and return receipt. I can have all proof of violation my rights. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.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. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
Therefore, my position is being clearly stated, this account do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that this in inaccurate account information means that you, this credit-reporting agency, are reporting incorrect account. 


I'm willing to explode all my rights and send all information to Attorney General.

Company response to consumer: Closed with explanation