vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting 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:
I XXXX XXXX who is a natural born citizen and is aware of my rights under the FCRA. 
My rights were violated by XXXX XXXX XXXX. 

Account : XXXX XXXX XXXX amount {$1400.00} I am allowed under the XXXX XXXX to protect my privacy and medical records from third parties. I did not give permission to XXXX XXXX of Georgia to release my medical records to XXXX XXXX XXXX who is a third party. 

15 U.S.C 1681 Section 602 A Section 1 States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section States that a consumer reporting agency can not furnish an account under my written instructions. 

Delete this account immediately, unless you want to be XXXX for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
I XXXX XXXX who is a natural born citizen and is aware of my rights under the FCRA. 
My rights were violated by XXXX XXXX XXXX. 

Account : XXXX XXXX XXXX amount {$1400.00} I am allowed under the HIPPA Act to protect my privacy and medical records from third parties. I did not give permission to XXXX XXXX of Georgia to release my medical records to XXXX XXXX XXXX who is a third party. 

15 U.S.C 1681 Section 602 A Section 1 States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section States that a consumer reporting agency can not furnish an account under my written instructions. 

Delete this account immediately, unless you want to be XXXX for this violation.

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 2024-02-04 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: UT

Complaint narrative:
GURSTEL LAW FIRM, XXXX XXXX XXXX are committing identity theft and fraud. Without any authority, are trying to sue and collect on a debt they have absolutely no contract on. They are using deception to pursue their attempts. I do not consent or wish to contract with them. I requested proof of claim via the CFPB Portal and they equivocated my request. I have never received any notice of transfer from XXXX XXXX XXXX  nor did I agree to XXXX XXXX XXXX selling any of my information. This is therefore fraud and Gurstel Law Firm knows they are committing fraud. They have not produced XXXX document to validate their claim. The address they have used belongs to my private XXXX. There is no contract to the XXXX address or any business that would permit them to contact anyone at that address. 

This is notice to the CFPB, the FTC, the Attorney General and all other agencies who govern matters of the kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Thanks

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I've asked XXXX to remove this from my credit report since this account does not belong to me. XXXX supposedly did an investigation and came to the conclusion that the account is mine. XXXX accounts from Bank of America appear on my credit report, XXXX of which is mine and I've always paid on time and another which is the one that I'm disputing that is not mine. The account that is not mine is affecting my credit in a negative way and I would like to have it removed from my credit report.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX and Experian Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}

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 2024-02-04 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE CREDIT REPORTING ACT 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 SECTION 2, IT ALSO STATES A CONSOMER REPORTING AGENCYNCANNOT FUMISH 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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE CREDIT REPORTING ACT 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 SECTION 2, IT ALSO STATES A CONSOMER REPORTING AGENCYNCANNOT FUMISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MOHELA
State: MN

Complaint narrative:
MOHELA has not reported updated account balances to the bureaus since XX/XX/XXXXXXXX XXXX 

Reaching them by phone has been extremely difficult and I found, through backchannels ( XXXX ), their email address and attempted to create a written account of this correspondence. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX " Hello, I would like to inquire on the status of MOHELA 's credit reporting to the credit bureaus. 

My loans have not been reported to the bureaus since XXXX XXXX XXXX 

Please advise. '' I have yet to receive a follow up from MOHELA and would like to see my accounts reported regularly to the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I opened a XXXX Credit Card to restore my credit history, I only used the card once, the was closed after I stopped using it and it still shows up on my credit report and I WANT IT REMOVED ASAP!!

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 2024-02-04 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights with Account # ending in XXXX 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights with Account # ending in XXXX  15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights with Account # ending in XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/ Hello, I am writing this letter to contest the so-called resolution to my XXXX dispute report number XXXX. Per the following screenshots from my XXXX credit report ( see attachments ), you claim that I have three XXXX XXXX federal student loan balances with a combined outstanding balance of {$35000.00}. However, I have already provided documentation ( including the XXXX XXXX Account XXXX XXXX used to validate my mortgage loan lending eligibility ) which clearly indicates that my total outstanding federal student loan balance at this time is ~ {$19000.00} across two individual loan balances. Therefore, I require the third ( duplicative ) loan balance to be immediately remediated. In addition, my two open student loan balances are missing the XXXX XXXX monthly balance so the balances are currently overstated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/year> Hello, I am writing this letter to contest the so-called resolution to my Experian dispute report number XXXX. Per the following screenshots from my Experian credit report ( see attachments ), you claim that I have XXXX XXXX XXXX federal student loan balances with a combined outstanding balance of {$35000.00}. However, I have already provided documentation ( including the XXXX XXXX Account XXXX XXXX used to validate my mortgage loan lending eligibility ) which clearly indicates that my total outstanding federal student loan balance at this time is ~ {$19000.00} across XXXX individual loan balances. Therefore, I require the third ( duplicative ) loan balance to be immediately remediated. In addition, my XXXX open student loan balances are missing the XXXX XXXX monthly balance so the balances are currently overstated.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I didnt know hard inquiries works and I noticed that my credit keeps on going down and down so I asked a friend to help. We noticed that some companies repeated multiple times on my credit on auto loans that I didnt applied for and when I called them they said they couldnt help at all. Im a XXXX XXXX and Im Barely home. Some stuffs that I noticed on my credits are not from me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX/XXXX/XXXX  TransUnion XXXXXXXX XXXX  Auto Loans XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  TransUnion XXXX Auto Financing XX/XX/year> TransUnion COURTESY FOR Auto Dealers, New XX/XX/year> TransUnion XXXX Auto Financing XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XX/XX/year> TransUnion is a financial institution by definition under that title. 
1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
The financial institution and the consumer XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX whether it be non-verbal, verbal, written, implied or otherwise revoked. 
15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option.

Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. Transunion are consumer reporting agencies and I am 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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called XXXX XXXX XXXX weeks prior to talk about my account. The representative coaxed me into putting my account on a 6 month payment arrangement. Making payments every two weeks, knowing my account was not past due nor was any of my payments late. The representative told me that my credit would not be affected that my account would stay in positive condition as longs as my payments are paid on time. Now its reporting to my credit file as late payment.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is not a address that mail can get sent to. I never lived there.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I've asked XXXX to remove this from my credit report since this account does not belong to me. XXXX supposedly did an investigation and came to the conclusion that the account is mine. Two accounts from Bank of America appear on my credit report, one of which is mine and I've always paid on time and another which is the one that I'm disputing that is not mine. The account that is not mine is affecting my credit in a negative way and I would like to have it removed from my credit report.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, I'm XXXX XXXX, and I'm submitting this complaint for the third time regarding my identity theft. Unfortunately, no action has been taken, and credit bureaus and companies involved haven't responded to my disputes. I feel my consumer rights are being violated, and as the victim, I can't get the help I need. If no action is taken, I'll pursue legal measures.

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 2024-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am disputing this account because I do not recognize it and I previously filed a report with the FTC for identity theft, I received a letter saying that I had until XX/XX/ to contact you regarding this account that otherwise you would assume that this account belongs to me. here I communicate with you using my rights as a consumer. 

LVNV FUNDING LLC XXXX This account is being disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: FL

Complaint narrative:
Over the past two years, XXXXXXXX XXXX XXXX has twice claimed that I owe them {$810.00}. Despite my requests for a breakdown of the charges to understand what purchases were made, they have failed to provide this information. Instead, the charges they mentioned were related to late fees and membership fees for a credit card that I had canceled more than two years ago due to fraudulent activity on the account. XXXX XXXX XXXX sent me each statement and their fine print, yet they still have not provided me with actual purchases to back up their claim. And now I have a credit collection after me for these fraudulent fees. I am about to take XXXX XXXX XXXX  to small claims court if they don't remove their actions since I disputed the transaction Report Created On : XX/XX/scrub>XX/XX/XXXX  File Identification Number : XXXX LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX This company told XXXX that the collection was real and they provided no other information to back up their claim.

Company response to consumer: Closed with explanation