vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 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: LA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-03-21 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: LA

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. 
XXXX XXXX - XXXX, possible - XXXX dept of education- 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 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 2024-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: NJ

Complaint narrative:
After a short visit the XXXX back in XX/XX/2021 XXXXXXXX XXXX  sent me a bill for over XXXX XXXXXXXX XXXX  I did apply for charity care program and was approved a 75 % discount doe to my low income> I did make payments directly to the XXXX for the balance of the visit. A few months later I started to receive many collection letters from different companies and even doctors witch had never treaded me at the XXXX where I was only seen by one practitioner nurse. I have tried several times to ask for validation letters and communicate with these companies but they ignored and proceeded to affect my credit turning my medical debt into a personal one and putting a collections negative notes on my credit report form all three mayor credit companies. 
The following company I have disputed charges on XXXX and XXXX. 
AmeriFinantial Solutions XXXX XXXX XXXX XXXX, MD XXXX The following company in now trying to obtain the same money from the previous one ( see attached bill labeled company c ) XXXX XXXX  ( formerly known as XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, MD XXXX Also a doctors office that was payed through a collections company but continues to send harassing letters every month. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXXXX ( Original Creditor : 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 of 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 non-monetary relief
Consumer complaint received 2024-03-21 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 ( Original Creditor : 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 of 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 non-monetary relief
Consumer complaint received 2024-03-21 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:
Dear Equifax, Upon reviewing my credit report, I have identified numerous inaccuracies and unauthorized entries on my profile. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), it is crucial to emphasize the rights afforded to consumers regarding privacy protection. Section 602A of the Act explicitly outlines my right to privacy, underscoring the obligation for accuracy when furnishing consumer information to reporting agencies, as articulated in section 1681s-2 ( A ) ( 1 ). Additionally, section 604A, subsection 2, mandates that consumer reporting agencies can not disclose accounts without my explicit written consent. The accounts detailed below have infringed upon my consumer rights, and I demand their immediate removal from my credit report : Account name XXXX XXXX Account number XXXX Account name DEPT OF ED / XXXX Account number XXXX Account name XXXX XXXX Account number XXXX reporting agencies are entrusted with significant responsibilities, including the fair and impartial treatment of consumer data and a steadfast commitment to privacy protection. I request a revised copy of my credit report to ensure that my consumer right to privacy is upheld and maintained. It is imperative to verify that these unauthorized entries have been rectified, thereby restoring the integrity of my credit profile. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: MD

Complaint narrative:
On XX/XX/XXXX, I attempted to dispute inaccurate information ( XXXX accounts ) regarding my student loans reported by U.S. Department of EducationXXXX . Experian stated they have contacted the company ( US Department of EducationXXXX ) reporting the information I disputed, supplied them all relevant information that determined their response to my dispute. 

On XX/XX/XXXX, I attempted to dispute ( again ) the inaccurate information ( XXXX accounts ) being reported from US Department of EducationXXXX . Experian responded that all accounts associated with XXXX was verified, accurate, and updated.

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 2024-03-21 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: LA

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. 
XXXX XXXX - XXXX, possible - XXXX dept of education- 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 2024-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sensible Auto Lending, LLC
State: PA

Complaint narrative:
I had an auto loan through Sensible Auto Lending. Unfortunately the vehicle that I financed had too many mechanical problems so it effected my ability to continue my agreed payment arrangement. I contacted the company in an effort to still make a payment even if it was not the full amount.

The interest rate was very high so I was unable to catch up. I eventually had to choose between paying rent or paying for the vehicle so I made a hard decision to surrender the vehicle. The debt is not being reported on my credit and has been sold to a debt collector.

I have no recollection of the debt collector contacting me to resolve the issue. I found out about the lawsuit filed against me when I started receiving junk mail from law firms. The mail that I received from the law firms prompted my decision to do an online search and that is how I found out about the law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my extreme frustration and disappointment with the inaccurate information reported on my credit report. A recent investigation into my credit history revealed several discrepancies that have caused me significant distress and frustration. 

Upon reviewing my credit report, I discovered multiple items that are unverifiable, invalidated, inaccurate, and questionable. It is unacceptable that your agency failed to ensure the accuracy of these items before reporting them. 

According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is 100 % accurate. However, the accounts in question are clearly in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

I demand that immediate action be taken to rectify these errors and ensure that my credit report reflects accurate information. I have attached copies of all previous correspondence regarding this matter for your reference. 

I expect a prompt response and resolution to this matter. Failure to address these concerns will result in further action being taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There was a check of {$190.00} I deposited electronically into my checking account with Chase back in. XXXX That account was later closed but that check remained pending because according to Chase the picture was blurry and they couldnt verify the company. I tried to redeposit after opening a new account and I was told I wasnt able to. I still havent received that money. I called several times and was told to speak to my payroll department and to go to a chase branch as well as giving payrolls phone numbers to Chase in order to have them verbally confirm that check was issued to me. None of these options have helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Received a denial notice from an apartment complex on XX/XX/XXXX. along with the denial letter, received current copy of my Transunion report with a number of erroneous errors. Contacted Transunion on XX/XX/XXXX in regard to unauthorized inquiries on my credit report that I needed removed. I informed the agent that according to the FCRA, these unverified and unauthorized items must be removed. The following are the inquiries listed on my Transunion credit report that have NOT been authorized : 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 XXXX XXXX  Spoke with Transunion agent XXXX at approximately XXXX XXXX. Stated he could not assist with the unauthorized inquiries, regardless of FCRA status. Was advised to file an official complaint through CFPB for removal/resolution. 

Case : 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 2024-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NH

Complaint narrative:
I have my loans serviced through MOHELA and they switched over their platforms. During this time I could not log in to pay my loans and I also could not use their new platform. This resulted in me having no way to pay my student loans for XXXX  months. I do not think that it is fair that I was being charged interest with no way to pay my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/2024 I filed a claim with citizens bank in the amount of XXXXXXXX XXXX I was told that it takes XXXX business days to investigate and if the issue is not resolved than I am supposed to receive temporary credits. 

My card was used at XXXX different atms Ive asked citizens bank to check the cameras and I also submitted a police report to support my claim It has been XXXX business days and I have not received any type of credit or response from the back office No ones is letting me know what is going on with the claim and my temporary credit request was denied this is unlawful My claim is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hereby formally demand the removal of this erroneous account from my credit report, as I neither authorized its creation nor usage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I requested the company of XXXX XXXX  to validate that this account had been paid late on XX/XX/year>. Account number ending in XXXX. I also requested written proof from myself that this company had the right to report late payments to my credit.

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 2024-03-21 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: FL

Complaint narrative:
This address and inquiries below that are showing on my credit report are fraudulent and needs to be removed immediately off all my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX  Inquiry date XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 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 2024-03-21 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: FL

Complaint narrative:
This address and inquiries below that are showing on my credit report are fraudulent and needs to be removed immediately off all my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2022 XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation