vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX, I filed a dispute with transunion for the unverified collections XXXX XXXX Account number XXXX. In these months, this unverified account isi still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have new and updated information. I sent a complete to Equifax on XX/XX/2022. Letting them know I did not authorize them to delete a file from my credit report neither did the furnished because the information on on the other two credit reports and I called XXXX. I didnt not authorize Equifax to delete XXXX XXXXXXXX from my credit profile I need evidence from Equifax that I authorized this account to be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS NOT A DUPLICATE COMPLAINT. 

I am XXXX XXXX XXXX and I am writing this complaint myself. There is no third party involved. 

This is a final DEMAND TO COMPLY after multiple previous attempts to resolve this matter. For committing identity theft, violation and deprivation of my privacy, for causing me defamation of character and for impermissible purposes, I am demanding remedy in the amount of {$3000.00} pursuant to 15 USC 1681n and 15 USC 1681o. I have mailed Experian a DEMAND TO COMPLY letter via certified mail, tracking # XXXX XXXX XXXX XXXX XXXX, along with a copy of my SSN card and my state ID for identity verification purposes. Experian received this DEMAND TO COMPLY on XX/XX/XXXX. I have attached a copy of said letter. 

After accessing a copy of my consumer credit report from Experian and noticing fraudulent accounts and information being reported without permissible purpose pursuant to 15 USC 1681b, I mailed Experian a written dispute on XX/XX/XXXX in regards to the fraudulent information via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. It was received on XX/XX/XXXX. 

Since then, Experian failed to respond to my dispute pursuant to 15 USC 1681i-Procedure in case of disputed accuracy. When called to ask about a follow up 30 days later, agents stated that there was no dispute on record. Since then they have added additional fraudulent information in the form of XXXX collection accounts. Experian willfully and negligently handled my dispute reporting fraudulent and unverified information and failed to follow up with me via written mail with any update or resolution. Experians violations of 15 USC 1681 and 18 USC 1028A have deprived me of my right to privacy, caused me defamation of character, pain & suffering as well as monetary struggle and marital instability while being a victim of identity theft as defined by 12 CFR 1022.3 ; Identity theft is a fraud committed or attempted using the identifying information of another person without authority. 

Experian is liable to me, the natural person and consumer for {$1000.00} per fraudulent item of information pursuant to 15 USC 1681n and actual damages pursuant to 15 USC 1681o. I have been denied for extensions of consumer credit based on the report furnished by Experian which has put my family through extreme hardship this past year. I am demanding the deletion of XXXX closed charged off accounts, XXXX inquiries and XXXX collection accounts immediately and remedy in the non negotiable amount of {$3000.00}. Actual damages amount to a higher amount, {$3000.00} is my settlement offer. Details of deletion demands can be found in the attached Demand to Comply 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 2022-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
XXXX which I have no idea what the acronym stands for is a debt collection company that is reporting to the credit bureau a debt that I don't owe. The originator of the debt is XXXX in the amount of {$1500.00} I have no idea who XXXX is. XXXX is also trying to collect a debt that the originator was XXXX XXXX in the amount of {$1900.00}. This is false because my rent was debited automatically from my account. I have never received written notice from XXXX in reference to this debt. It is unfair that companies can just report things to the credit bureaus without sending notifications to verify accounts. I have no idea what the account numbers are.

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 2022-03-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRY IS FRAUDULENT FROM XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX XXXX XXXX XXXX  XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  ) XX/XX/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 XXXXXX/XX/XXXXXXXX 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 ALL THE INQUIRIES ABOVE ARE DUE TO IDENTITY THEFT AND IS FRAUD AND XXXX AND EQUIFAX REFUSE TO REMOVE THIS INQUIRIES FROM MY CREDIT PROFILE SINCE IT IS INACCURATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
The company Paragon Revenue Group is in violation of several FCRA laws and has been attempting to collect a higher amount than is being reported to the Credit Bureaus. 
This company refuses to remove the incorrect information from my report. Pursuant to 15 USC 1681s-2 They have the duty of furnishing correct information, and once they've been put on notice, they must remove the incorrect information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I cleared my Credit card bill in XX/XX/XXXX before leaving XXXX. 
One year later while i was in XXXX BOA add XXXX $ bill to my credit card which i never used as i was out of XXXX. 
My BOA checking and saving account were closed. 
I was not able to pay XXXX $ bill as i my account were closed and i did not had access to BOA due to being in XXXX. 

I came back XXXX in XXXX and found that BOA charged off {$15.00} bill and its reflecting in my credit report. 

I am unable to get apartment on rent just because of XXXX $ charge off issue by BOA.

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent out a letter requesting validation of the account I discovered on my credit report. XXXX, XXXX, AND TRANSUNION have failed to respond in a timely manner to my dispute letter and it has been well over 30days since my initial letter. XXXX XXXX XXXX has also failed to send sufficient documentation, specifically the contract, note or other instrument bearing my signature. The following account is inaccurate and should be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX UNVERIFIED It is to my understanding that XXXX, Transunion XXXX and XXXX XXXX in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this XXXX XX/XX/2022. XXXX most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. TransUnion made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, TransUnion often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reviewed my credit report and have noticed so illegal activities regarding the reporting of certain information. Please see attachments for directions on what to do.

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reviewed my credit report and have noticed so illegal activities regarding the reporting of certain information. Please see attachments for directions on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX closed my account. This XXXX XXXX XXXX was opened on XX/XX/XXXX. In XX/XX/XXXX I had XXXX and my brother passed away unexpectedly. I have never missed a payment in the past with this company. In XX/XX/XXXX I was still struggling with XXXX and the death of my brother so my payment was late. XXXX closed my account however, I reached out to a representative on Saturday XX/XX/XXXX. His name was XXXX he informed me that if I paid the past due balance of {$200.00} that my account would be reinstated and the company would remove the 30-day late payment from my credit report. I asked him to send that to me in an email and he assured me he would put it in writing. Instead of paying the past due amount I paid the account in full. Not only did he not send the information in writing I currently can't even see the account. It is shameful that I have had this card for XXXX years and never missed a payment. When I was at my lowest this company did not extend grace. God forbid either of them is ever in this situation.

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 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: GA

Complaint narrative:
I have tried to settle this debt on numerous occasions with the company. A list of documentation was requested and not received within 10 days of XXXX, which is the date they received it, and they are in dishonor meaning the have agreed to the terms. 
1. Validation of debt 2. A sworn affidavit of their claim against me. 
3. A copy of the contract signed by both parties 4. A true certified copy of the Original Note 5. A confirmation of the individual who is the duly sworn authorized representative from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been receiving multiple pre-screened firm credit offers from Capital One, with which I have a savings account, over more than a year. The last one arrived last week. This is despite having submitted a request several months ago to no longer receive such offers in accordance with the Fair Credit Reporting Act via the website XXXX XXXX XXXXXXXX. Apparently, this is the only method for opting out of Capital One credit card offers. I do not want these offers and view them as a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The address listed do not belong to me, I have never lived at any of these address that are posted on my credit report. 
Please see the attached photocopy of my drivers license for your reference. 

For the record : 1. My name is : XXXX XXXX 2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
From approximately XXXX while attending the University XXXX XXXX XXXX  XXXX XXXX XXXX ) I borrowed money to attend college at XXXX. I believe that these were XXXX guaranteed student loans. 

Now, all of these records are missing from my credit bureau reports. The loans were taken out at the Bank of America XXXX XXXX loan department. All of these loans were forgiven, but I want payments on the loan reflected on my credit bureau report, because these loans and payments were a material and significant financial event. 

I have had no help about this matter from the Bank of America. The loan check ( s ) were deposited into my checking account at the XXXX Branch of Bank of America.

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 2022-03-15 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: Kikoff Inc.
State: CO

Complaint narrative:
I noticed, ( while on XXXX XXXX ) a new account opened on my credit report through XXXX XXXX XXXX. It had an incorrect place of employment and I never opened an account with them. I contacted XXXX and submitted a complaint. They responded a couple of days later that the company said the account was mine. So I called them and they wouldn't answer their phones. So I emailed them. They responded telling me they don't recognize my email and asked me for all my personal information. I didn't want to do that at first but I finally agreed to give them my last XXXX digits of my SSN. After that, they said they found the account and froze the account. But they said I am still responsible for paying it. ( I didn't open the account, I don't receive bills, and I don't have account information or passwords to pay the money I didn't even receive. ) So, because it is not being paid, they keep reporting me to XXXX and my credit score is going down. It's only {$25.00}. But it is destroying my good credit and I have no way to stop it. And they refuse to take responsibility for fraudulently opening and account without verifying the information! I don't know who has my SSN out there but I put out a fraud alert through XXXX. No reputable company would think that you should be liable after you show them proof that you did not open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Emails, even as essential as those with statements, from this credit card company contain third party tracking pixels. Also known as web beacons, these codes are embedded in invisible pixels in most service emails and are designed to collect private data such as IP address, device and browser details, time, forwarded email addresses etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is considered inadequate as per all privacy laws I am aware of. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and any optout options. After complaints via public boards, only things I heard are PR statements such as reference to their privacy statements and ultimatum about unwillingness to remove secretive trackers. Additionally, the company does not honor do-not-call requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: OH

Complaint narrative:
Emails from this lending service company contain third party tracking pixels. Also known as web beacons, these codes are embedded in invisible pixels in most service emails and are designed to collect private data such as IP address, device and browser details, time, forwarded email addresses etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is considered inadequate as per all privacy laws I am aware of. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and any optout options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The address listed do not belong to me, I have never lived at any of these address that are posted on my credit report. 
Please see the attached photocopy of my drivers license for your reference. 

For the record : 1. My name is : XXXX XXXX 2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation