vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is incorrect personal information on my credit report. Please delete these incorrect personal information from my credit report. 

According to 15 U.S.C 1681 section 602 A. states i have the right to privacy. 

Also according to 15 USC 6802 no financial institution is supposed to share my information to a third party 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 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect numbers : XXXX XXXX XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX IL XXXX Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # 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 2022-05-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.

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 2022-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-05-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish 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 2022-05-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an Account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Application # XXXX ( Discriminatory Practices ) I applied for a credit product with Bank of America on behalf of the XXXX XXXX XXXX XXXX on Saturday, XX/XX/2022. I was contact the next morning ( Sunday ) by banking representative XXXX XXXX. He asked if I was aware that any balance would need to be paid in full at the end of each month. He stated that he would send me a link via XXXX to submit an Authorization to Borrow on Behalf of the Business form that needed to be signed by 2 board members. He also stated that I would have to submit a profit and loss. I advised him that we were a not for profit corporation with 501C3 designation and that we did not have profit or loss. He stated that he just needed proof that we were in compliance with the IRS. I stated to him that we are required to file an annual Form 990. He stated that was sufficient. We were unable to upload any documents and soon learned from XXXX IT Helpdesk that XXXX XXXX only gave us viewing capabilities and not access to upload anything. We were advised by XXXX IT Helpdesk to fax the documents over as we did. A few hours later I received an application denial via email. This morning XX/XX/2022 I received a phone call from XXXX XXXX requesting that I submit a profit and loss. He even suggested that I send him a list of donations which was out of the ordinary. I refused; reminded him that the calls were recorded, wish him a good day, and we both disconnected the call. Please note that I had already received an application denial email on yesterday.

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 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: MA

Complaint narrative:
Hi my name is XXXX XXXX and Im a federally protected consumer, and I am making this complaint against BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC for committing identity theft. I have never given BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC continues its collection efforts I will file for litigation for actual damages caused and BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice you are hereby notified Pursuant UCC 1-202. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: IL

Complaint narrative:
ATG CREDIT , LLC is falsely reporting that i have a valid debt despite the fact that the creditor doesnt exist. XXXX XXXX of XXXX is the original creditor and they closed down- ATG somehow got ahold of their customer records and have been attempting to extort money from their previously paid-off customers who are mostly elderly people they can take advantge of. 

ATG provided no documentation that the debt is valid, they blocked my phone number when i attempted to call them and ask for said documentation, they refused to investigate the matter as a fraud case despite my request, and they have been falsely reporting information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with resurgent capital services, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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:
formal complaint that credit bureaus reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate in accordance with FCRA 15 USC 1681, section 602 ; 15 USC 1681, section 604A, section 2 and 15 USC, 1666 ( b )

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 2022-05-04 00:00:00
Product: Vehicle loan or lease — Loan
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: GA

Complaint narrative:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX balance {$24000.00} account # XXXX 30 days late in XX/XX/2020, and XXXX 2020.

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 2022-05-04 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: MT

Complaint narrative:
I'M HAVING ISSUES WITH GETTING MY COMPLIANT SUBMITTED TO XXXX XXXX FOR AN ACCOUNT THAT DOES NOT BELONG TO ME.

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 2022-05-04 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: MT

Complaint narrative:
I'M HAVING ISSUES WITH GETTING MY COMPLIANT SUBMITTED TO XXXX XXXX FOR AN ACCOUNT THAT DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: GA

Complaint narrative:
In accordance with the Credit Reporting Act XXXXt Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A States I have 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 2022-05-04 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXXXXXX account # XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX ACCOUNT XXXX XXXXI account # XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX file XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that 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 2022-05-04 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXXE account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXXL account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX file XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
Been asking about student loan help and forgiveness from Ed Financial..Just was told to apply for student loan forgiveness on XX/XX/XXXX XXXX.Put in app online... Waiting for status ... Months of unnecessary stressed..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with XXXX and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$4300.00} Account # 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 2022-05-04 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXXXXXX  Account # XXXX, Acoount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts 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 2022-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
My mortgage was purchased by Mr. Cooper in XXXX of XXXX. The previous mortgage company, XXXX, had paid my XXXX tax bill, and then Mr. Cooper also paid it ( vi XXXX ). The extra payment was the refunded in XXXX of XXXX ( verified with XXXX XXXX, AZ ). I became aware of this in XXXX of XXXX when my escrow payment greatly increased. The agent and I quickly realized the double payment, and then I verified it with XXXX XXXX. 

After getting no help, I then verified with XXXX that the refund was received from XXXX XXXX, and they were in process of refunding it to my escrow account. That was on XX/XX/XXXX, and the funds are still NOT in my escrow account. 

I have been dealing with XXXX XXXX XXXX most recently, and previously XXXX XXXX XXXX. Both of these contacts have just given me the run-a-round. They keep saying to " be patient. '' As far as I'm concerned, they have had my money since XXXX of last year, and it should be in my account. 

I would appreciate any help you could provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: VA

Complaint narrative:
formal complaint that credit bureaus reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate in accordance with FCRA 15 USC 1681, section 602 ; 15 USC 1681, section 604A, section 2 and 15 USC, 1666 ( b )

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 2022-05-04 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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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 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 2022-05-04 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: OH

Complaint narrative:
I requested the original contract for validation for the fraudulent account from the bureau. I sent in a letter and an FTC report just like the bureau requested but I still havent received validation or the original contract. This account is still on my report and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

Company response to consumer: Closed with explanation