vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX has illegally placed a collection on my consumer reports, violating my consumer rights. In accordance with The Fair Debt Reporting Act the account with XXXX XXXX XXXX has violated my rights 15 U.S.C 1658 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions... .I have not given any such permission or instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX has illegally placed a collection on my consumer reports, violating my consumer rights. In accordance with The Fair Debt Reporting Act the account with XXXX XXXX XXXX has violated my rights 15 U.S.C 1658 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions... .I have not given any such permission or 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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX has illegally placed a collection on my consumer reports, violating my consumer rights. In accordance with The Fair Debt Reporting Act the account with XXXX XXXX XXXX has violated my rights 15 U.S.C 1658 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions... .I have not given any such permission or 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 2022-06-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. XXXX has also failed to comply to multiple federal and state laws under the FCRA.Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for XXXX to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 
I am asking for XXXX to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which thev spoke with them. By law they have XXXX days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately, It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.

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 2022-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
I have made several calls and sent XXXX emails over the past XXXX months to get resolve in having my student loan repaid. 
My complaints have not been addressed by the XXXX, despite the promised changes since XX/XX/XXXX that Borrowers will receive prompt redress of forgiveness. 
I have made over 130 qualifying payments to XXXX, all during the time i have been in the full time employment as a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Since late XXXX, i have been qualified to have my federal student loans forgiven. As a loyal XXXX  employee, and as i promised, i have doing my service, cumulative well over 12 years, showed up at XXXX, worked through lunches and late, to provide mental health service to our nations heroes, XXXX XXXX soldiers and their dependents. 
Fedloan service is not keeping the promise under the new administration ; the agency is forcing me to forfeit many months of qualifying service, adding to the total cost of my student debt, creditworthiness and ability to borrow. 
Currently, i show XXXX payments not counted as qualified, even though they are, as i continue my employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX currently. That means i am 6 months, MY COUNT, ahead of Loan Forgiveness all the while i have participated formally in the PSLF program, and kept my promise. 
I really would like a resolve of this. It is unseemly, it is unfair and indecent that this is not being resolved where it should, at the Lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: TX

Complaint narrative:
In accordance with the fair reporting act the following companies have violated my rights XXXX. XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX 's account # XXXX XXXX. XXXX credit account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXXXXXX XXXX account # XXXX XXXX. XXXXXXXX XXXX  account # XXXX XXXX. XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions The last 4 digits of my SSN is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 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 reporting act the following companies have violated my rights XXXX. XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX 's account # XXXX XXXX. XXXXXXXX XXXX  account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX. XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXXXXXX XXXX account # XXXX XXXX. XXXX global account # XXXX XXXX. XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions The last 4 digits of my SSN is 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 2022-06-26 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, otherwise known as XXXX XXXX XXXX, and I am writing your agency in response to an inaccurate credit reporting on XX/XX/2022. I received an XXXX XXXX communication from the XXXX mobile app which notified me that my FICO score has decreased by XXXX points. After careful review of my consumer report, it is not clear any derogatory credit transaction or account should have negatively impacted my credit rating in such a drastic manner.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, otherwise known as XXXX XXXX XXXX, and I am writing your agency in response to an inaccurate credit reporting on XX/XX/2022. I received an XXXX XXXX communication from the XXXX mobile app which notified me that my FICO score has decreased by XXXX points. After careful review of my consumer report, it is not clear any derogatory credit transaction or account should have negatively impacted my credit rating in such a drastic manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: FL

Complaint narrative:
In accordance with the fair credit reporting Act XXXX XXXX XXXXXXXX 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open in 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 2022-06-26 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: FL

Complaint narrative:
In accordance with the fair credit reporting Act XXXX XXXX XXXXXXXX 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: LA

Complaint narrative:
credit card account was opened in my name fraudulently. XXXX XXXXXXXX XXXX refuses to remove from my credit bureau and told me that I had to have it removed, putting the burden on me as a consumer, for something they did. XXXX statement is attached, along with most of the paper trail of this banks actions and non-action. I checked the reviews for this bank, and it appears, this bank has been opening fraudulent account for a couple of years now. I don't understand how this bank is being allowed to chronically break so many banking regulations and they are still getting away with there actions.

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 2022-06-26 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: LA

Complaint narrative:
credit card account was opened in my name fraudulently. XXXX XXXX Bank refuses to remove from my credit bureau and told me that I had to have it removed, putting the burden on me as a consumer, for something they did. XXXX statement is attached, along with most of the paper trail of this banks actions and non-action. I checked the reviews for this bank, and it appears, this bank has been opening fraudulent account for a couple of years now. I don't understand how this bank is being allowed to chronically break so many banking regulations and they are still getting away with there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: LA

Complaint narrative:
credit card account was opened in my name fraudulently. XXXX XXXXXXXX XXXX  refuses to remove from my credit bureau and told me that I had to have it removed, putting the burden on me as a consumer, for something they did. XXXX statement is attached, along with most of the paper trail of this banks actions and non-action. I checked the reviews for this bank, and it appears, this bank has been opening fraudulent account for a couple of years now. I don't understand how this bank is being allowed to chronically break so many banking regulations and they are still getting away with there actions.

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 2022-06-26 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: LA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against EXPERIAN for furnishing inaccurate information to my consumer credit file. It is imperative that Experian always has the most accurate information in my credit file. By furnishing these inaccuracies, Experian is in direct violation of 15 USC 1681b ( a ) ( 2 ) because Experian has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. 
Please delete the following inaccurate names : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Please delete the following inaccurate addresses : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX. XXXX XXXX, LA XXXX Enclosed are : Letter sent to Experian Exhibit A, credit report with inaccurate names Passport card Identity Theft 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 2022-06-27 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: NJ

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

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer 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 explanation
Consumer complaint received 2022-06-27 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: NJ

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

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
paypal emailed me today saying i will not be able to use their services. Due to user agreement and i called today XX/XX/2022 to figure out why. ive over XXXX $ in my account theyve said they will hold my money for XXXX days and they said they will not delete any accounts on my account like my debit cards & credit cards. im so upset im a single mother of XXXX babies i know my rights and this is not okay!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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 Acct # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604A Section 2 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 explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: VA

Complaint narrative:
I checked my credit score using the XXXX XXXX XXXX and saw that my XXXX score recently dropped due to the collection agency noted on credit karma as NATIONWIDE RECOVERY SYS opening an account on my credit report. This company has never reached out to me by mail, email, phone, or any other ways of communication to notify me of this supposed debt with them. If I had not checked my XXXX XXXX XXXX  score today, I would have never known this account was ever opened because this collection agency failed to properly notify me of it. Since they have never notified me about this debt in the first place, I never had a chance to dispute it at all before they decided to report it on my credit report, negatively effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 

15 U.S.C 1681 Section 602 A. I have the rights 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 2022-06-26 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: LA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against EXPERIAN for furnishing inaccurate information to my consumer credit file. It is imperative that Experian always has the most accurate information in my credit file. By furnishing these inaccuracies, Experian is in direct violation of 15 USC 1681b ( a ) ( 2 ) because Experian has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. 
Please delete the following inaccurate names : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Please delete the following inaccurate addresses : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX Enclosed are : Letter sent to Experian Exhibit A, credit report with inaccurate names Passport card Identity Theft 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