vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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: FL

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

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights by reporting an inaccurate late payment. This was also during the XXXX pandemic. And should be removed not only because of the violation of FCRA privacy and consumer laws, but also because of the CARES ACT provisions for consumers. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: AL

Complaint narrative:
I have told this company to provide me proof of Debt, They have refused to do so They are now calling multiple times even with me telling them to stop are also texting me from XXXX and the text comes up as they are XXXX XXXX Else for Example the last says they are The XXXX XXXX. and then says they are National Recovery Agency

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 2022-11-29 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-11-29 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I called m & t bank 2 days before the fraud took place which means by federal law us code 1693g i am liable for only up to XXXX $ they denied my claim and gave me NO reason. They said there wasn't much details. they didn't provide the info they had to by federal law again us code 1693g a Photo ID, fingerprint, or signature proving it was me who made the transaction someone stole XXXX $ using my card at an atm And no I did not have my card when this took place and notified them 1 day after the fraud took place. I need my money back this is corrupt.

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 2022-11-29 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-29 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are 18 unauthorized inquiries on my credit reports that appear to have come from some credit phishing scam. They are listed below : 18inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: IL

Complaint narrative:
On XXXX XXXX XXXX  I submitted an online request to the XXXX, Equifax and XXXX credit bureaus, requesting letters requesting verification of the debt on my report. Starting on XX/XX/XXXX, I began to receive replies stating an update was made. On XX/XX/ I mailed certified letters to each bureau requesting verification documentation Beginning XX/XX/XXXX, they have sent back stating everything is verified correctly. 

However, my credit report is still showing inaccuracies 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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Complaint is against the XXXX XXXX XXXX XXXX for XXXX separate student loans that were originally opened in XXXX and defaulted by that year 's end. The XXXXXXXX XXXX XXXX XXXX originally listed the loans under " Direct Loans '' as the creditor. These XXXX loans should have fallen off all XXXX major credit bureau reports ( XXXX, TransUnion and XXXX ) and any others unknown to me, in this year of XXXX. In disputing this with XXXX twice this year, last dispute being XX/XX/XXXX through direct phone call, I was advised by the rep that the XXXX XXXX XXXX XXXX changed the creditor 's name TO " XXXX XXXX XXXX XXXX '' and shows all XXXX loans as having been opened in XXXX of XXXX which is incorrect. This seems fraudulent to me as the " XXXX XXXX '' program IS under the XXXX XXXX XXXX XXXX and are not separate. I respectfully request your assistance in providing me whatever relief that can be afforded in removing this from all credit reports. The school is currently involved in litigation and I never completed even half of the curriculum and dropped out due to family illness.

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Complaint is against the XXXX XXXX XXXX XXXX for 4 separate student loans that were originally opened in XXXX and defaulted by that year 's end. The XXXX XXXX XXXX XXXX originally listed the loans under " Direct Loans '' as the creditor. These XXXX loans should have fallen off all XXXX major credit bureau reports ( XXXX, XXXX and Equifax ) and any others unknown to me, in this year of XXXX. In disputing this with XXXX twice this year, last dispute being XX/XX/XXXX through direct phone call, I was advised by the rep that the XXXX XXXX XXXX XXXX changed the creditor 's name TO " XXXX XXXX XXXX XXXX '' and shows all 4 loans as having been opened in XXXX of XXXX which is incorrect. This seems fraudulent to me as the " XXXX XXXX '' program IS under the XXXX XXXX XXXX XXXX and are not separate. I respectfully request your assistance in providing me whatever relief that can be afforded in removing this from all credit reports. The school is currently involved in litigation and I never completed even half of the curriculum and dropped out due to family illness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Complaint is against the XXXX XXXX XXXX XXXX for XXXX separate student loans that were originally opened in XXXX and defaulted by that year 's end. The XXXX XXXX XXXX XXXX  originally listed the loans under " Direct Loans '' as the creditor. These XXXX loans should have fallen off all XXXX major credit bureau reports ( Experian, XXXX and XXXX ) and any others unknown to me, in this year of XXXX. In disputing this with Experian twice this year, last dispute being XX/XX/XXXX through direct phone call, I was advised by the rep that the XXXX XXXX XXXX XXXX changed the creditor 's name TO " XXXX XXXX XXXX XXXX '' and shows all XXXX loans as having been opened in XXXX of XXXX which is incorrect. This seems fraudulent to me as the " XXXX XXXX '' program IS under the XXXX XXXX XXXX XXXX and are not separate. I respectfully request your assistance in providing me whatever relief that can be afforded in removing this from all credit reports. The school is currently involved in litigation and I never completed even half of the curriculum and dropped out due to family illness.

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 2022-11-29 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: NM

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 confidently under 15 U.S.C. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
XXXX law firm did not properly serve me in accordance with the law, nor did they provide me with validation of my debt. They sued me in court and I was not notified of the court date in accordance with state law. 

XXXX XXXX  account. ( XXXX ) {$2500.00} The following alleged collection account was on a payment plan arrangement during Covid and the amount you are reporting is not correct, nor is the amount owed. ( see attached document for details ) Under the XXXX XXXX If you are current on payments and make special arrangements, creditors must report the account as current. 
If you were already delinquent on payments and you make special arrangements, your account will be reported as delinquent until you bring it back to current. 
Late and missed payments CAN NOT be reported if you have already made arrangements. 
Charge offs may still continue to be reported as a charge off Some creditors may use a special code for natural disasters on credit reports for delinquent accounts, this is not required. 
XXXX does not consider disaster codes for credit scoring. 
XXXX will not use late payments with a disaster code for credit scoring. 

I had a XXXXXXXX XXXX XXXX result which indicates I was effected by XXXX during the illustrated time line for the XXXX XXXX-I gave this information to the credit card company. 
They violated FCRA and compliant reporting standards. 


Gurstel law firm is not in compliance with all the XXXX XXXX reporting standards, and I'd like this account removed upon completion of investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: IL

Complaint narrative:
See documents attached. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2022-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage loan with XXXX was transferred on XX/XX/22 to Shellpoint ( New Rez ) with only XXXX weeks notice. I am currently receiving assistance with 18 months of forward payments from the XXXX program which they are aware of. Furthermore, I do believe this is the reason behind being transferred to their affiliate company. However, I did reach out to XXXX and advised them of the transfer and provided them the letter received. My loan # XXXX remained the same. My payments are supposed to be trans to Shellpoint for up to 60 days received to XXXX. The payment from XXXX for XX/XX/22 has yet to be sent to Shellpoint causing me to fall delinquent. I am very concerned as this is ultimately in my opinion the reason they transferred the mortgage., to cause more issues. I have heard Shellpoint is their affiliate company who handles delinquent mortgages. XXXX payment was sent out on XX/XX/22 and has yet to be posted or trans from XXXX and XXXX payment will be sent out on XX/XX/22. No explanation from Shellpoint as to why or where. No information pertaining to XXXX  assistance was related to Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are 18 unauthorized inquiries on my credit reports that appear to have come from some credit phishing scam. They are listed below : XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXnquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date 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 2022-11-29 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: SC

Complaint narrative:
In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC1681. 
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 15 U.S.C 1681 section 602 ( A ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) 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 conviction 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 2022-11-29 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2022 about a few incorrectly reported accounts on my credit report and requested that they verify or delete the incorrect information. It is now XX/XX/2022 and they have failed to respond in a timely matter and I have received no update from them. I am requesting that you have the incorrect accounts removed immediately.

Company response to consumer: Closed with explanation