vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: IL

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 Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 crime which antedates the report more than 7 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 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 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
The company sold a debt and the debt collector has been contacting me constantly saying I owe them. I have not provided them with my information neither do they have my Wet Signature according the FCRA consumer law The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/, was designed to eliminate abusive, deceptive, and unfair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there are incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT names that should be deleted are XXXX, XXXX, M and there is XXXX, XXXX, M The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-04 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: LD Holdings Group, LLC
State: FL

Complaint narrative:
Loan Depot Mortgage was paid electrically on time every month, including my XXXX & XX/XX/2021 payments. LD then returned these payments about 10 days after receipt. LD says my XX/XX/2021 payment was not received on time so they destroyed my credit. My XXXX  XXXX XXXX faxed LD 2 official payment transmittals which clearly documented my timely payments, yet LD still refuses to remove the late payment from my account. After contacting all 3 credit agencies and submitting the payment transmittals to them the 3 credit agencies will not remove the late payment either. I then sent credit agencies a letter from Loan Depot in which LD confirms they received my payment on time but LD and the 3 credit agencies all refuse to correct my account 's payment history. I've spent over 50 hours trying to resolve and filed numerous complaints with LD and the 3 credit agencies and they still refuse to acknowledge my payment was timely and have refused to restore my credit. I have uploaded all supporting documentation which unequivocally proves all my payments were on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX, account # XXXX have 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 states : A consumer reporting agency can not furnish an 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 items of information other, than records of conviction of crimes which antedates the report by more than seven years.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So i have been dealing with fraud charges that were taken from my account and have had the worst experience with Bank of America prepaid, so much has happened with their negligence that there isnt enough room for my to type but, so basically i have called to file a claim for fraud charges to my account, and everytime. They leave abunch of charges out which makes me have to file new claims, and they keep leaving charges out of them, and they say they cant tell me which charges are on which claims so i can know what was left out, so i went through my statements and wrote down every single fraudulent charge and the total comes out to {$14000.00}. And as I mentioned I have had to file about 12 claims because of how the fraud department has been horrible handling this in which I have complaints against, but the total they have paid back so far is {$8500.00} through 11 claims i believe. Leaving {$6100.00} still owed to me and I currently have an active claim that's been denied once and I put in for reconsideration, and I would like to add probably 99 % of the claims I filed were denied at first but when I put in for considerationS, they end up finding them in my favor, but the claim still being reconsidered is claim # XXXX for the amount of {$4300.00} which still doesn't cover the remaining balance still owed to me... Now I want to also point out that this has been the worst experience with any business I have ever had, and dealing with the claim department and process is absolutely a night mare, I called soo many times to have to reconsider claims that were fraud, just to call back a week or 2 later to check in on claims to find out they never even filed a reconsideration, they leave out charges all the time, and I even HAD A MANAGER CALL AND THREATEN ME ON MY CELL PHONE AFTER GETTING OFF THE PHONE WITH HER. I filed complaints and I don't feel safe knowing she has access to my social security number, my home address, and banking information and accounts.I HAVE ATTACHED XXXX ATTACHMENTS THAT INCLUDE ALL OF MY FRAUDULENT CHARGES SINCE BANK OF AMERICA HAS LEFT OUT SO MANY CHARGES ON DIDFERENT CLAIMS AND WONT TELL ME WHICH CLAIMS GO TO WHICH CHARGES SO I CAN FILE A CLAIM FOR THE REMAINING SO I HAD TO INCLUE THEM ALL..AND IF YOU NOTICE, EVERY SINGLE CLAIM BEFORE THIS OPEN CLAIM IN RECONSIDERATION BECAUSE IT WAS INITIALLY DENIED, BUT ALL CLAIMS BEFORE THIS WERE DECIDED IN MY FAVOR AND THESE ARE ALL THE SAME TYPE CHAEGES AND ITS HORRIBLE THAT I HAVE BEEN DEALING WITH FIGHTING TO GET MY MONEY BACK INTO MY 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 monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TSC Accounts Receivable Solutions
State: VA

Complaint narrative:
Calling me back to back to back, different days of the week first thing in the morning. Why are you calling anyone at XXXX as if thats going to get them to want to talk? I use my phone for work so it gets really aggravating when Im on a call and i get continued calls. Then I answer to tell them to stop, and theres radio silence. I call back and they just want me to confirm my identity over and over for me to tell you to stop calling me? No, what youre doing is actually illegal. Finally blocked the number, but Im sure theyll call a different way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
i feel behind on my morgage and tried to get a modifcation and emailed and faxed many times and still was not able to get anything done. Made many phone calls still nothing..And on the pphone they said 4 times they would have a manager call me back and never did..I have all the emails and paper work and am afraid of loosing my home and need help..I explained this and still no one has reached back out to me..I have copies and emails of eveything please help me..Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TX

Complaint narrative:
I am submitting this complaint against Experian due to their continued failure to remove inaccurate and unverified items from my credit report, despite multiple disputes and submission of the required documentation, including Identity Theft affidavits and police reports. Furthermore, Experian has not maintained proper records of the previously submitted documents and may be in violation of the Fair Credit Reporting Act. Additionally, I have concerns regarding the unauthorized release of my personal information to the disputed companies during the dispute resolution process, potentially exacerbating the identity theft issue. Experian 's actions have caused me significant financial harm and emotional distress, and I seek a prompt and accurate resolution of this matter.

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 2023-04-04 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: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a XXXX form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX BANK XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX XXXX # : XXXX ACCOUNT NAME : 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 2023-04-04 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: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a XXXX form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX BANK XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX, XXXX. 
ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
I have new and updated information regarding complaint number XXXX. Dunlap Gardiner LLP continues to use false and misleading information in its illegitimate attempt to collect this alleged debt by falsely stating The owner is bound by the Declaration of Covenants for the community because he purchased a home in the neighborhood. This is a baseless claim made without any legal merit to back up such a claim. Its also misleading as to whom is being referred to as the owner and who is being referred to as he. 

XXXX. The legal definition of bound is to be constrained by a contractual agreement, other obligation, or constrained to follow a precedent. 
-Its been previously proven in the prior complaint numbers : XXXX, XXXX, XXXX that the elements of a valid and legal legitimate enforceability agreement between the association and myself is non-existent as it does not exist. 

2. The legal definition of declaration is a formal statement, proclamation, or announcement, esp. one embodied in an instrument.

-Its been previously noted that Dunlap Gardiner LLP and its client the association was not present during the transaction of the home. At no time during this transaction was I disclosed with any statement, proclamation, or announcement regarding the existence of an association or an agreement to join one.

-Being that there were no legal agreements between myself and the association, there is no written legal documentation that defines the rights, duties, entitlements, or liabilities such as a contract legally defined as an instrument. If one existed, Dunlap Gardiner LLP and its client would have provided it already when requested.

3. The legal definition of covenant is a formal agreement or promise, usually in a contract.

Lastly : Dunlap Gardiner LLP states that There is no legal requirement that he sign anything in order to be bound by the Declaration. This statement further proves that there is and never was a valid and legal agreement between myself and the association. The association preyed on me not knowing my rights as a consumer and took advantage with their illegal, misleading, and predatory collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX SER  ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX - XXXXXXXX SERVICE ACCOUNT # XXXX ACCOUNT NAME : XXXX - XXXX SERVICE 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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp.
State: MD

Complaint narrative:
The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. 

Act at 15 USC 1692e 807 False or Misleading Representations, which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX reporting : XXXX I noticed a Bankruptcy is reporting on my credit report. However, it's only reporting in Equifax and XXXX. This bankruptcy should NOT be on my credit reports as its not properly validated and its violating my FCRA laws. 

In accordance with the Fair Credit Reporting Act, you have violated my rights. 15 U.S.C 1681 section 602 A. states that 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 and proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TN

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. 

Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 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 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: CA

Complaint narrative:
I paid this account in full back around XXXX. There is no debt and this just popped up on my credit report. 

Original Creditor : XXXX XXXX XXXX : Zions Debt Holidings Amount : XXXX They have the date opened listed as XX/XX/XXXX I paid off a security system with this company ( XXXX  ) I believe in XXXX. 

Now this debt collector is attempting to commit fraud and reporting fake debt on my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation