vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 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: LEXISNEXIS
State: NJ

Complaint narrative:
On XX/XX/XXXX and XXXX and XXXX, XXXX, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information by via LexisNexis and XXXX  yet, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. LexisNexis sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: CA

Complaint narrative:
The Following account appears on my Equifax credit report, XXXX XXXX XXXX, with original creditor of XXXX XXXX XXXX XXXX. The account number is listed as # # # # # XXXX. It is listed as medical or health care. The state of California has a statue of limitations of four years for this type of debt. 
Californias statute of limitations on debt is 4 years, per the states Code of Civil Procedure 337. A statute of limitations is the amount of time you have to take legal action. In the case of debt, it refers to how long a creditor has before it can ask a court to force you to pay debt. If you can prove a debt has passed its statute of limitations, you are not responsible for paying it. For this reason I ask that Equifax remove this collection account from my report. This accounts date of first delinquency was XXXX, XXXX, XXXX and it was assigned to collections on XX/XX/XXXX of XXXX. Therefore it is past the four years no matter how you do the math.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-08-31 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: MD

Complaint narrative:
In accordance with 15 USC 1681 ( a ) ( 1 ), The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. Over the last 4 months, I have sent Transunion countless letters requesting that Transunion delete the accounts, XXXX XXXX XXXX XXXX XXXX. XXXX investigated both accounts and removed them on XX/XX/2022. Transunion is required to follow reasonable procedures to assure maximum possible accuracy which Transunion has failed to do. I have provided Transunion with an abundance of evidence of the inaccuracies furnished on my consumer report which Transunion has failed to correct. Transunion has failed to exercise its grave responsibilities with fairness, impartiality, and respect for my consumer 's right to privacy in accordance with 15 USC 1681 ( a ) ( 4 ). Im demanding Transunion delete accounts XXXX XXXX XXXX XXXX XXXX from my consumer report. I have attached the document from the CFPB of the deletions of these accounts from XXXX. This IS NOT an investigation request. I am Demanding these accounts be deleted. SEE ATTACHED DOCUMENT.

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 2022-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Finance of America Holdings LLC
State: NV

Complaint narrative:
I applied for the XXXX program to help assist me with my loan payments on my mortgage and I applied on XX/XX/2022. I received notification from the XXXX program that they have been waiting on my mortgage lender to enroll with their program so that they may receive the assistance for me. I am in a deferment period that is about to expire. I have left 5 different messages and complaints and I have emailed in a complaint. I have gotten no where with Finance of America Mortgage Company on this issue. The XXXX program still says they are waiting on my lender and they are not cooperating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: GA

Complaint narrative:
Credit Reporting Agencies have violated my Consumer Rights and have failed to report accurate, complete, and verifiable information. 

I have contacted these agencies and have documented proof of inaccuracies that they have claim to be " verified '' and " accurate '' Attached is the current status of my complaint by which you will see that I have proven with documentations that the information is NOT being reported 100 % accurate. These accounts must be deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau Transunion and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Transunion supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Transunion can take those innacurate inquiries 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 that are hurting my credit score and I cant take a home because Transunion is refusing to remove information that is not mine.

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 2022-08-31 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
Affirm has several accounts with my name and information on it. Fraud has occurred. I closed out stolen cards and XXXX account linked. I tried calling and they act like they cant help transferring me over 21 times to different t departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
All my life I have maintain the morals of never borrowing money. I pay cash for everything I want or I will simply not buy it. when I decided to pull my credit report I instantly noticed a number off closed accounts that I did not recognize. these accounts on my credit report are fraud and were not created by me by any means. every account I stated is fraud. I did not authorize these accounts to be created and I demand they be removed immediately. I am willing to move forward with any legal actions need be to clear these fraudulent accounts off of my credit report. I also noticed that on each credit report my name did not include the XXXX. these fraudulent accounts have been negatively impacting my credit score with put my knowledge for years now and the have to be removed now. I reached to the companies and they never helped resolve these accounts. this is over {$4000.00} in debt that i didn't create and its is unfair that this is reflected on my credit report that I've worked so hard to keep clean.

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 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
On XX/XX/2022, I received a text message from Credit Collection Services, stating that I owed XXXX XXXX XXXX XXXX {$1200.00}. I had no knowledge of the debt, since I haven't conducted business with this company. The text included a reference number and a link to the company 's site. I clicked the link and uploaded a PDF document, indicating that I had no knowledge of the debt and to provide proof that the alleged debt was in fact mine. This correspondence was sent via the company 's portal on XX/XX/2022. I never received anything validating the alleged debt, after sending a validation request. The only correspondence that I received were billing statements, stating that I owed the alleged amount. So on XX/XX/2022, I sent correspondence, yet again via the company 's website, requesting validation of this alleged debt. Still I received nothing. 

Today, XX/XX/2022, I receive notification from my credit monitoring service that Credit Collection Services has flagged my credit report with this alleged debt. I never received any validation of this alleged debt, yet they took it upon themselves to flag my credit report. This is a violation of the FDCPA and I want this inaccurate reporting removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: MD

Complaint narrative:
XXXX has several accounts with my name and information on it. Fraud has occurred. I closed out stolen cards and XXXX account linked. I tried calling and they act like they cant help transferring me over XXXX times to different t departments.

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 2022-08-31 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: MD

Complaint narrative:
The agencies in this dispute have NOT provided Credit Reports as requested and required by law. They have numerous errors consistently. The score is incorrect and shoots high and low over no changes and it hurting my credit worthiness. 

They are still reporting me as high balance having as an authorized user when I have been removed from the debt since the credit holder filed bankruptcy- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance on my debt is incorrect and outrageous due to incorrect reporting XXXX is in my name and I have never had an account with them ever They are reporting more than one address They have held my reports and not update accurate

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 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America account had fraudulent withdrawals made last year in XXXX, I have submitted multiple complaints, provided police reports, faxed multiple documents such as I.D . that was all requested by the BOA claims department, even received photos of the the person making fraudulent transactions, however, upon calling I am never told a status update on my claim. Thinking all the evidence provided and that the bank has pictures of the fraudulent user, I would think the process would be resolved rather sooner than later. It's been almost a year of me calling almost every month or two and I keep getting the run around whether I escalate, add additional complaints, speak to a supervisor or request documentation regarding the status or reasoning for denying my case. I am not being heard and just keep being told to wait or call back. I would greatly appreciate help in resolving this issue as I have been very professional and patient and now I am becoming very hopeless and tired of calling and hearing the same thing over and over. 

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 monetary relief
Consumer complaint received 2022-08-31 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: GA

Complaint narrative:
Credit Reporting Agencies have violated my Consumer Rights and have failed to report accurate, complete, and verifiable information. 

I have contacted these agencies and have documented proof of inaccuracies that they have claim to be " verified '' and " accurate '' Attached is the current status of my complaint by which you will see that I have proven with documentations that the information is NOT being reported 100 % accurate. These accounts must be deleted and removed.

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 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
All my life I have maintain the morals of never borrowing money. I pay cash for everything I want or I will simply not buy it. when I decided to pull my credit report I instantly noticed a number off closed accounts that I did not recognize. these accounts on my credit report are fraud and were not created by me by any means. every account I stated is fraud. I did not authorize these accounts to be created and I demand they be removed immediately. I am willing to move forward with any legal actions need be to clear these fraudulent accounts off of my credit report. I also noticed that on each credit report my name did not include the XXXX. these fraudulent accounts have been negatively impacting my credit score with put my knowledge for years now and the have to be removed now. I reached to the companies and they never helped resolve these accounts. this is over {$4000.00} in debt that i didn't create and its is unfair that this is reflected on my credit report that I've worked so hard to keep clean.

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 2022-08-31 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:
All my life I have maintain the morals of never borrowing money. I pay cash for everything I want or I will simply not buy it. when I decided to pull my credit report I instantly noticed a number off closed accounts that I did not recognize. these accounts on my credit report are fraud and were not created by me by any means. every account I stated is fraud. I did not authorize these accounts to be created and I demand they be removed immediately. I am willing to move forward with any legal actions need be to clear these fraudulent accounts off of my credit report. I also noticed that on each credit report my name did not include the XXXX. these fraudulent accounts have been negatively impacting my credit score with put my knowledge for years now and the have to be removed now. I reached to the companies and they never helped resolve these accounts. this is over {$4000.00} in debt that i didn't create and its is unfair that this is reflected on my credit report that I've worked so hard to keep clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: VA

Complaint narrative:
My personal information was exposed in the XXXX data breach and XXXX  XXXX data breach. I would like for the following accounts to be removed from my XXXX, XXXX and Experian credit report immediately. I would like for the XXXX XXXX  account and XXXX XXXX XXXX XXXX from the following company XXXX XXXX XXXX removed from my XXXX, XXXX and Experian credit reports. I also would like for the following company XXXX XXXX XXXX account to be removed from my XXXX, Experian and XXXX credit report. All three accounts was fraudulently open without my consent.

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 2022-08-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit Reporting Agencies have violated my Consumer Rights and have failed to report accurate, complete, and verifiable information. 

I have contacted these agencies and have documented proof of inaccuracies that they have claim to be " verified '' and " accurate '' Attached is the current status of my complaint by which you will see that I have proven with documentations that the information is NOT being reported 100 % accurate. These accounts must be deleted and removed.

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