vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 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: FL

Complaint narrative:
This is another CFPB complaint to inform the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Under the provisions of the Fair Credit Reporting Act section 605b, I am demanding you to please remove the following items off of my Credit File as soon as possible ; XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. If you truly believe that the disputed accounts and information you report on my Credit File is accurate, prove it by sending me copies of documents bearing my signature. Without any of these documents, I expect you to please remove the disputed items as soon as possible.

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 2023-03-11 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: FL

Complaint narrative:
This is another CFPB complaint to inform the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Under the provisions of the Fair Credit Reporting Act section 605b, I am demanding you to please remove the following items off of my Credit File as soon as possible ; XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. If you truly believe that the disputed accounts and information you report on my Credit File is accurate, prove it by sending me copies of documents bearing my signature. Without any of these documents, I expect you to please remove the disputed items as soon as possible.

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 2023-03-11 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: AZ

Complaint narrative:
Names, address, XXXX XXXX - false reporting Wrong date, wrong amount, reporting late, Most of my information is in XXXX. And credit reporting companies are saying information is correct without providing me any proof of investigation. Also reporting wrong personal information and not wanting to correct it when I called multiple times and mailed out many dispute letters via usps. All 3 credit bureau is not fix my concerns.

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 2023-03-11 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: MS

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 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an extended fraud alert beginning in XX/XX/2019. It SHOULD be there. The problem is that it has an old phone number, for which I am no longer the owner. Equifax and XXXX have barred me from updating to my current contact information. I have had repeated problems with attempting to use my own information, as the phone number is no longer mine. Equifax and XXXX have not allowed me to update my own information in the alert and it's causing me problems in using my own credit information to obtain services and goods. I have tried to fix this for FOUR years now to no avail. Not for lack of trying!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: OH

Complaint narrative:
Authorize inquiries Ill check my credit report and noticed some hard inquiries on my credit report I didnt approve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: NC

Complaint narrative:
I have requested a copy of the original purchase agreement and company has to provide it. I have also disputed this account amd verified but no original agreement has been sent. I have requested this twice now

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 2023-03-11 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: AZ

Complaint narrative:
Names, address, XXXX XXXX - false reporting Wrong date, wrong amount, reporting late, Most of my information is in XXXX. And credit reporting companies are saying information is correct without providing me any proof of investigation. Also reporting wrong personal information and not wanting to correct it when I called multiple times and mailed out many dispute letters via usps. All 3 credit bureau is not fix my concerns.

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 2023-03-11 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: AZ

Complaint narrative:
Names, address, XXXXXXXX XXXX  - false reporting Wrong date, wrong amount, reporting late, Most of my information is in XXXX. And credit reporting companies are saying information is correct without providing me any proof of investigation. Also reporting wrong personal information and not wanting to correct it when I called multiple times and mailed out many dispute letters via usps. All 3 credit bureau is not fix my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: MI

Complaint narrative:
I have previously disputed the circled items enclosed. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. * According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. * They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ; these credit bureaus 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 : 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. * They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate or it MUST BE DELETED IMMEDIATELY Also, all credit bureaus are showing inaccurate and erroneous personal information. I have one address, one phone number, one name ; any inaccuracies must be removed immediately as they are impacting my credit score tremendously and hindering my reputation

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 2023-03-11 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Report Act, this creditor has violated my rights. Under 15 u.s.c. 1681 section 602, states that i have a 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. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card 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 explanation
Consumer complaint received 2023-03-11 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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 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: OR

Complaint narrative:
{$290.00} XXXX Other by collection/charges {$120.00} XXXX other loan collection/charges {$0.00} pastdue credit collection other loan 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 is u.s.c. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting 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 7 years.

15 u.s.c 1681 s-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 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX a little after XXXX I drove to the arm machine located in XXXX XXXX CA to make a deposit of XXXX. I went through the drive up atm inserted my card and deposited the cash. The machine kept making noises and I noticed it was taking longer than usual it then gave me a receipt saying the machine was out of order ( no signs on machine prior to use ) to contact my bank. I called a chase while still by the atm and filed claim. I was given a credit but today XX/XX/XXXX chase reversed the credit and claimed the deposit money I deposited was not there when they counted the money for that day. I now cant pay my mortgage and have fees accumulated due to this issue. I wanted re investigated or get a subpoena so they can review the video of that day!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2023 at XXXX XXXX I placed an {$74.00} order to XXXX. My order was stolen from me when the driver went by and when I contacted XXXX for the first time they have refused to refund me. 

On the day the charge settled, I filed a dispute with Cashapp themselves for failure to render service. After the dispute was filed, I checked back everyday for the status as it would tell me the dispute is in review, until one day it silently disappeared because I could open another dispute again, with no email stating why or no notification in app as promised. 

When I contacted an agent, he stated he would look into the transaction details and asked me for my email, after I put my email, I found that he immediately closed the chat because the bot took over after I asked " So when can I expect an email? '' I was crushed. 

They have no phone support, the chat support is unreliable, and if they denied my claim they have not provided any substantial grounds for denying it nor have they taken the time to inform me like they promised because I had to file it twice thinking there was an error the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: TX

Complaint narrative:
My servicer MOHELA is incorrectly denying me access to the PAY AS YOU EARN repayment plan. On XX/XX/XXXX, MOHELA approved me for the Income Contingent Repayment plan, but today, XX/XX/XXXX, a supervisor and customer service representative have incorrectly informed me that was the only IDR plan I was eligible for. Thus, I am seeking help from the CFPB to allow me to properly access the PAYE plan for my single Direct Consolidated Unsubsidized student loan. 

I had no federal student loan balance prior to XX/XX/XXXX, and have also borrowed at least 1 Direct loan after XX/XX/XXXX, therefore classifying me as an " eligible new borrower '' for PAY AS YOU EARN under 685.209 ( a ) ( 1 ) ( iii ). First, in XX/XX/XXXX, I consolidated my Parent PLUS loans into a Direct Consolidated Unsubsidized loan. In XX/XX/XXXX, this loan was consolidated with 3 Direct Stafford Unsubsidized student loans into a new Direct Consolidated Unsubsidized student loan, which is the loan I currently have with MOHELA, and the same one for which they are denying my PAYE repayment plan request.

Per 685.209 ( a ) ( 1 ) ( ii ), an " Eligible loan, for purposes of determining whether a borrower has a partial financial hardship [ ... ] means any outstanding loan [ ... ] except for a defaulted loan, a Direct PLUS Loan or Federal PLUS Loan made to a parent borrower, or a Direct Consolidation Loan or Federal Consolidation Loan that repaid a Direct PLUS Loan or Federal PLUS Loan made to a parent borrower. 

My current Direct Consolidated Unsubsidized student loan with MOHELA is not a loan that repaid a federal PLUS loan made to a parent borrower as it repaid Stafford Unsubsidized and a Direct Consolidated Unsubsidized loan, and is therefore eligible for PAYE. 

Under the proposed Prosper Act, HR 4508, the XXXX House Majority proposed in Sec. 466. ( 5 ) B to make " excepted consolidation loans '' ineligible for repayment options such as the PAYE plan. They specifically defined an ineligible loan for options besides ICR as a loan that repaid a Parent PLUS, a consolidation that repaid a Parent PLUS, or a consolidation that repaid a consolidation of a Parent PLUS. The proposed Prosper Act failed and therefore, this condition does not exist under current law. If this restriction currently existed, Congress would have had no need to attempt to change 685.209 ( a ) ( 1 ) ( ii ) to add the additional restriction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: CA

Complaint narrative:
The Credit Bureaus XXXX, Equifax, and XXXX have listed on my Credit Report XXXX XXXX XXXX  and original creditor XXXX XXXX XXXX in the amount of {$4.00}, XXXX. The issue is this shows opened XX/XX/XXXX and the account is OPEN and all of that is Categorically False! I have been with XXXX since XX/XX/XXXX making this debt over 7 year old which should of been removed from my Credit Report. 
These creditors/collections do this all the time, change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice in unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.

Company response to consumer: Closed with explanation