vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 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: TX

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

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-07-28 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: MO

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
This company EXETER Finance continues to violate me with abusive, contradicting and illegal tactics to try and intimidate me in regards to a an already paid debt which was XXXX by the IRS, they have also admitted to selling third party companies my personal information which is illegal per 5 USC 522a. 
They have also violated the Fair Debt Collection Practices Act which is found on the FEDERAL TRADE COMMISSION website which states in 15 USC 1692 ( a ) Abusive practices and 15 U.S. Code 1692c - Communication in connection with debt collection which states once given NOTICE that all communication must be CEASED, The only communication that should be initiated should be the following -to advise the consumer that the debt collectors further efforts are being terminated ; -where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

I should there for not be communicated with other wise, The debt has been paid and they want triple payment it seems, You have received payment from the IRS, you have admitted to also SELL my DEBT which you have also received payment for. 
PLEASE STOP WITH THE ABUSE AND THREATS!!! NO MORE COMMUNICATION SHOULD BE RECIEVED BY MAIL OR ANY OTHER COMMUNICATION TOWARDS THIS FAKE FRAUDULENT DEBT. 
- No More communication about fake debt -stop with misrepresentation ; no signature or Printed name found on the mailed mentally abusive and manipulative document sent on XX/XX/2024. 
Corporations can not speak so for an individual to write " Sincerely, EXETER FINANCE LLC '' at the end of mailed document is misrepresentation and fraud within itself. You have violated my fundamental unalienable rights ten times if not more,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: VA

Complaint narrative:
I am filing this compliant because XXXX XXXX reported late payments on my credit report regarding my mortgage. I experienced a hard ship during the Covid-19 Pandemic as was receiving home owners assistance from the government for over a year. Prior, my payments made by the government were not reported late on my credit report because they were always made before the 30 day period. However, in XX/XX/2023, XXXXXXXX XXXX informed me that they were behind processing the government funding with several accounts because the funds are send in one lump sum not to each home owners accounts. I have proof from the government along with my award letters and case manager that my payments were made before the 30 day mark however, XXXX XXXX  did not process the fund in a timely manner. My payments are showing late for XXXX, XXXX, XXXX and XXXX. I sent a dispute to XXXX XXXX as well as Experian tracking number XXXX and they failed to investigate my case. Instead they updated my XXXX account which was already closed. XXXX XXXX brought my account from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TX

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-07-28 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: FL

Complaint narrative:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I use citibank Custome cash card ending number XXXX In XX/XX/2023 my balance is XXXXXXXX XXXX i have to pay XXXX XXXX interest In XX/XX/2023 my blance is XXXXXXXX XXXX i have to pay XXXXXXXX XXXX  interest In XXXXXXXX XXXX my balance is XXXX USD i have to pay XXXXXXXX XXXX interest I think they will charge me around 25 to 30 % per year but now i can see they charge me more than 10 % to 20 % per month... 

I cant explain how many people who suffered like me, this is un acceptable and abuse client, many people dont have time to look at this and they have just to over pay for whaty they are told to pay

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 2023-07-28 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: MO

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
I paid my loans off completely during the COVID repayment pause. I was contacted and told that since I paid them off during the pause, I qualified for a refund. I asked them specifically if I requested the refund if I would need to pay them back later, if this is a temporary thing or if this would reactivate my loan that was already paid off. They told me no, this would be part of the forgiveness program and I would not need to pay anything back. Now I am being told that I owe all of the money they told me I wouldn't have to repay. I called them to rectify this and I was placed on hold multiple times and hung up on as no one knew what was going on, nor was there a record of me getting a refund or asking for one or what it was even about. I paid off XXXX XXXXXXXX of loans in XX/XX/2022 completely and requested a refund on bad and incorrect information in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The bank is Synchrony, this is the 4th credit card Ive had through them ( They seem to have taken over credit solutions from a number of smaller banks ). Synchrony Bank has caused my credit score to plummet by cutting my credit limits down to whatever the owed amount is on the card ( 29 % credit usage to 94 % usage ). 

Synchronys justification is that based on their computer modeling, I may miss a credit card payment one day. This is absolutely ridiculous and through searching online I see that this is a common practice even with customers with no credit utilization their accounts. Synchrony alone has caused my credit score to drop by XXXX points over the last 6 months due to their what might happen one day practices.

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 2023-07-28 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: LA

Complaint narrative:
I am the author of this complaint. I recently checked my credit report and I saw some accounts that shouldn't be there. I have attached a picture of my driver 's license and a copy of an ID Theft report against the accounts and creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: LA

Complaint narrative:
I am the author of this complaint. I recently checked my credit report and I saw some accounts that shouldn't be there. I have attached a picture of my driver 's license and a copy of an ID Theft report against the accounts and creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Im accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 15 U.S.C 1681section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

The letters are stated with items and issues.

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 2023-07-30 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: LA

Complaint narrative:
Unwarranted inquiries listed on credit report : Experian : XXXX Card Dated XX/XX/XXXX XXXX Dated XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Banks Rob me {$100000.00} Dollars and 20 sperate Banks lawyers say its imposable to comprend then 15 years the Police Harass me when go outside so never leave my apartment and I took a Screen Shot Picture of Front and back of a Check uploaded to secure email and Chase bank wont cash it. 
My {$15.00} XXXX XXXX is not secure enough to do Banking and to small and difficult. XXXX XXXX and XXXX XXXX market log in both have a box to check to rember user name and or Password Banks or XXXX Rember all Bank user names and there no way to stop them so You can rob anyone cell Phone rember all customers user name and use a Phone Verification to Change Password XXXX XXXX Refuges all Banks require International Long Distanced to Call a Bank 1800 Number Defendants Discriminated against me and similarly situated people based on race, color, national origin, disability, age, sex, religion Violates genocide laws, war crimes, crimes against humanity and aggression, Universal Declaration of Human Rights, 42 USCS1346 ( b ), 28 U.S. Code 2671 to 2680, 42 USCS 1983, 1985, 1986, 28 USCS 1331 ( a ) - 1334, 42 USCS 2000bb-4 and 2000cc-2 ( a ) RICO Act 1962 ( d ) First, Fourth, Fifth Sixth, Eighth, Fourteenth Amendment and Bivens Action SEE XXXX XXXX XXXX Unknown Named Agents, 403 U.S. 388 ( 1971 ) and 1983 Supreme Court allows Malicious Prosecution Lawsuits only when all Charges Dismissed and 1st Amendment Retaliation Claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: PA

Complaint narrative:
I am writing to submit a formal complaint to the Consumer Financial Protection Bureau regarding the handling of my request to block information in my personal credit report due to identity theft. My interactions with TransUnion have led me to believe that my rights under the Fair Credit Reporting Act ( FCRA ) have not been adequately respected. I made a request to block specific information on my credit report due to identity theft, citing the relevant case of XXXXXXXX XXXX  XXXX as grounds to contest the accuracy and validity of the alleged debt. I have not been supplied with proof of this alleged debt, nor therefore any such debt, in face exists, However, TransUnion has declined my request based on assumptions of error or misrepresentation without appropriately investigating the matter. As per the doctrine of estoppel by silence, my failure to provide explicit proof does not imply acceptance or acknowledgment of any alleged debt. Despite my efforts to assert my rights and highlight the potential consequences of identity theft on my financial well-being, my concerns have not been addressed appropriately. Under the provisions of FCRA XXXX XXXX XXXX ) ( XXXX ), I am hereby requesting a detailed description of the procedure employed by your agency when providing all information to the creditor in connection with the aforementioned dispute. Specifically, pursuant to FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is imperative that your agency forwarded all relevant information I provided during the dispute process to the creditor for their thorough investigation. Duty to Investigate : As evident from XXXX v. XXXX, the court emphasized that credit reporting agencies have a duty to thoroughly investigate when consumers dispute items on their credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I have NEVER provided any consumer reporting agency with WRITTEN INSTRUCTION to report these specific accounts on my consumer report. This unauthorized inclusion violates my rights as a federally protected consumer. NO CONSENT WAS GRANTED, and the unauthorized reporting of these accounts amounts to identity theft. This duty is essential in ensuring the accuracy and integrity of credit reports and protecting consumers from the harmful consequences of identity theft.

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: TX

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX : {$3600.00}.

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 2023-07-28 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: VA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

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 2023-07-28 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: VA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TX

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

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