vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 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:
Credit hack In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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 has violated my rights . 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: CA

Complaint narrative:
XXXX XXXX  is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau. 

Upon contacting the three major credit reporting agencies, I discovered that two of the three credit Reporting agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so. 
By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially. 

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.

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 2022-12-06 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: CA

Complaint narrative:
XXXX XXXX is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau. 

Upon contacting the three major credit reporting agencies, I discovered that two of the three credit Reporting agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so.

By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially.

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: CA

Complaint narrative:
XXXX XXXX is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau.

Upon contacting the three major credit reporting agencies, I discovered that two of the three credit Reporting agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so.

By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially.

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.

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 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
credit card provider does not want to dispute the purchase due to the overdue XXXX  days from the day I purchased. Purchase date XX/XX/22, amount- {$340.00} The reason I need to dispute this purchase is that the service was not used and was canceled. The company promised to return money during advertising but refused to do it when I actually requested it. Please let me know if additional information needs to be provided.

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 2022-12-06 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: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: MD

Complaint narrative:
i have been a victim of identity thief and there has been fraudulent accounts placed on my credit report.that i need removed i have attached all the accounts and all the reports made about this complaint

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 2022-12-06 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: MD

Complaint narrative:
i have been a victim of identity thief and there has been fraudulent accounts placed on my credit report.that i need removed i have attached all the accounts and all the reports made about this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Terrill Outsourcing Group
State: NJ

Complaint narrative:
They called me today XX/XX/2022 Was harassing nasty screaming at me and call me names. They claim that they are trying to collect a debt for XXXX. A furniture company who does not respond to disputes and letters to such. It has been over 5 years that I have sent them letters and calls that I received wrong items. I kept getting the wrong items and they just stopped communicating. I then went a head and wrote more letters as to the defective and poor quality of product sent. Still no answer. They wrote collection bureau and put me on a charge off. I tried reaching out again and was told I received the right order and they never received any of my letters which I have sent them copies. Now this collection agency Superlative RM calls asking me questions I told them I dont owe anything as I sent letters and disputes to their client and never got one answer. They called me a liar, that XXXX  would not send them the file for collection if I didnt owe money. They further stated that they want to sue me and freeze my account. They had given me all wrong information and did have proper address telephone number refused to give me an amount owed when I asked them where they are located they refused to answer me. When I told them to stop calling me they said they would keep calling because I owe ment I mentioned to them they are violating the fair credit act they said big deal. I told them I have proof of XXXX  violating my rights under the fair credit act they said tough. I am a dead beat and a liar. And they will keep calling me. I again told them to stop harassing me as they and their client have violated the law. I want to sue both of them and to stop collection as the creditor never responded to my numerous letters which I sent and also since they never the creditor responded in the appropriate amount of time they are guilty of violating the fair credit act. I owe nothing had to purchase from another company the items. This company is fraud never received any letter from creditor that account was going to collection or sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
Williams & Fudge has contacted me multiple times at my work number and to my personal number during working hours requesting that I pay them money for a debt to the XXXX XXXX XXXX XXXX Today being the latest, XX/XX/2022 at XXXX XXXX. They called my work office attempting to collect a debt. I also believe the debt they are collecting is false. I was forced to drop out of XXXX because my financial situation didnt allow me to work and do school. The money that they are trying to collect is from a XXXX that XXXX gave me because of my financial situation. It was a need based XXXX and I do not believe I should owe money on this regardless of dropping out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received a phone call from Navient, claiming that I have a student loan with them, which I don't. I have never had any account with Navient. The woman referred to Sallie Mae and said that they got my information from Sallie Mae. I had a private loan with Sallie Mae from about XXXX, which was written off sometime in about XXXX when my cosigner filed for bankruptcy. I did not hear anything from Sallie Mae about that loan or account after that. I checked my spam folder in my email and the first communication I have had from Navient claiming they hold my student loan was in XXXX, XXXX I dispute that I have any indebtedness to Navient, especially following their settlement with the various state Attorneys General in XX/XX/2022. I do not know if Navient has or will report this to my credit. The woman I spoke with, upon hearing that I dispute this debt said that collection efforts will continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: Grain Technology, Inc.
State: MI

Complaint narrative:
This account has been disputed. The creditors are reporting an account as on status. The reporting account status is closed and needs to be deleted immediately. 

The creditors are giving an automatic verified and not doing an proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a police report, called the Company ( XXXX ) to dispute, called XXXX in regards to this matter, and sent dispute letter.

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 2022-12-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I filed a police report, called the Company ( XXXX ) to dispute, called XXXX in regards to this matter, and sent dispute letter.

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 2022-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
TRUIST will not let you pay off a mortgage at a branch office or online. The only way they will let you pay off a mortgage is Wire transfer or Cashier check. This is not acceptable. They try to make it impossible to pay off your mortgage

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 2022-12-06 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I wanted to add this to a current compalaint against ComenityXXXX. 
They can not find my old account and if I call they tell me to EMAIL to start a complaint..then when I email, they tell me to call. Vicious circle. 
I started an official complaint ( crediting my payments to an old acct instead of my current account ) but there is not a way to update. 
No one can find my old account YET I receive XXXX different account statements in the mail XXXX XXXX different acct #

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I was with nationstar mortgage company beginning in XXXX. In XXXX we took out a loan that was supposed to be put onto our mortgage. XXXX nationstar turned into Mr. Cooper and there was a loan modification. Fast forward to XXXX, we got a letter on our front door saying our house was foreclosed on and sold at an auction. Never once were we notified of this. The company we took the loan out from, XXXX XXXX, said we didnt pay on our loan. Which was supposed to be added onto our mortgage. Mr. Cooper will not answer our questions at all and weve lost our house due to something they did. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Paid total amount on lease paperwork on XXXX ( {$21000.00} ). They claimed I had to pay sales tax, but refused to give me an accounting. I went to DMV to get the sales tax amount, and paid it on XXXX ( {$1200.00} ) They STILL have not sent me the title to my car. I have tried to communicate with them, and finally, today, disputed the {$21000.00} amount I gave them. They have deleted the account, so I can no longer submit questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: CA

Complaint narrative:
My name and personal info were in the XXXX XXXX XXXX and XXXX XXXX breaches in XXXX and XXXX. 
I discovered many names, phones numbers, addresses and accounts that were clearly not mine on my credit report. 
Credit agencies have been reporting addresses connected to my name with fraudulent and erroneous accounts. 
I am disputing the addresses that clearly states it's a business as a residence and I lnever lived there. 
I have sent documents and Affidavits and been on phone disputing these errors for the last 2 months. 
Please delete these accounts. 
I have been dealing with this mess for a while now and request prompt look into this matter.

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 2022-12-06 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: CA

Complaint narrative:
My name and personal info were in the XXXX XXXX XXXX and EQUIFAX XXXX breaches in XXXX and XXXX. 
I discovered many names, phones numbers, addresses and accounts that were clearly not mine on my credit report. 
Credit agencies have been reporting addresses connected to my name with fraudulent and erroneous accounts. 
I am disputing the addresses that clearly states it's a business as a residence and I lnever lived there. 
I have sent documents and Affidavits and been on phone disputing these errors for the last 2 months. 
Please delete these accounts. 
I have been dealing with this mess for a while now and request prompt look into this matter.

Company response to consumer: Closed with explanation