vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 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: NY

Complaint narrative:
The TRANSUNION credit reporting agency is reporting inaccurate information on the listed account below ; Due to their errors in reporting I'm reporting this violations. The first being with the FDIC 's Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agency 's report. The information listed below is inaccurate. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The Credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$68000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Mailed my payment of {$44.00} on due date of XX/XX/XXXX. Payment was received and credited on XX/XX/XXXX. Was charged a late fee of {$29.00} and {$1.00} interest. Called on XX/XX/XXXX to request a credit. Credit was granted for the late fees and I was advised that there would be no balance due ( I have not had any purchase transactions on the card since I paid balance in full on XX/XX/XXXX ). I received another bill on or around XX/XX/XXXX showing a {$59.00} balance due. Apparently another XXXX late fees were added. I called again on XX/XX/XXXX and was told it was a mistake because of timing of the credits and that there will be no balance due. Then I received a letter in XX/XX/XXXX saying dispute was reviewed and that the late fees will remain on the account. I called again on XX/XX/XXXX and explained that I was charged for a late fee on a late fee that was approved for removal. Also explained that the two previous customer service representatives told me the late fees would be credited and there would be no balance due. They apologized saying that the customer service reps provided wrong information and that per policy and the terms and conditions of the card denied my request to waive the late fees on a late fee balance. I said that doesn't make sense. I asked if anyone had common sense and was abruptly hung up on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23 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 Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: VA

Complaint narrative:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ALSO KNOWN AS XXXX but showing up on my consumer report as XXXXXXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality THIS SHOULD BE REMOVED IT ALREADY STATES THAT IT MEETS THE FCRA REQUIREMENTS TO BE DELTED THIS ACCOUNT IS FRAUDULENT

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 2022-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I XXXX XXXX has been going through a financial hardship and has been violated by Account resolution service, Account resolution service is reporting to consumer reporting agencies about an alleged debt, and calling family members about debt. Pursuant to 15 usc 1692 ( b ), Title 15 usc 1666 ( h ) XX/XX/2020 - {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: GA

Complaint narrative:
When these accounts were opened, I was a minor child at the age of XXXX XXXX XXXX. The accounts listed does not belong to me and are a result of identity theft. I have shown proof of my identity and that I was a minor child at the time the accounts were opened and the companies failed to investigate and see that I was a minor and could not have opened these accounts. They are failing to fully investigate and refusing to remove collection accounts that do not belong to me. I have no knowledge of these accounts listed on my credit report that is affecting my credit. How is this credit reporting agency validating that the account belongs to me and I was only XXXX XXXX XXXX? You are in violation of the Fair Credit Reporting Act. As a credit reporting agency under the Fair Credit Reporting Act, your responsibility is to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Hard inquiries by XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: ERC
State: VA

Complaint narrative:
Pursant to 18 USC 8, I owe no debt, This company ( ENHANCED RECOVERY COMPANY ALSO KNOWN AS XXXX  but showing up on my consumer report as XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality THIS SHOULD BE REMOVED IT ALREADY STATES THAT IT MEETS THE FCRA REQUIREMENTS TO BE DELTED THIS ACCOUNT IS FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have never applied for or opened a BB & T/Truist Credit card XXXX This is not an authorized account. 

Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and the credit bureaus continue to report this item on my reports. 

Please remove these fraudulent accounts from ALL credit reporting agency reports IMMEDIATELY.

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 2022-08-23 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 Account 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

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 2022-08-23 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 Account 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

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 2022-08-23 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: GA

Complaint narrative:
When these accounts were opened, I was a XXXX XXXX at the age of XXXX XXXX XXXX. The accounts listed does not belong to me and are a result of identity theft. I have shown proof of my identity and that I was a XXXX XXXX at the time the accounts were opened and the companies failed to investigate and see that I was a minor and could not have opened these accounts. They are failing to fully investigate and refusing to remove collection accounts that do not belong to me. I have no knowledge of these accounts listed on my credit report that is affecting my credit. How is this credit reporting agency validating that the account belongs to me and I was only XXXX XXXX XXXX? You are in violation of the Fair Credit Reporting Act. As a credit reporting agency under the Fair Credit Reporting Act, your responsibility is to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute.

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 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Application : XXXX I applied for an extension of credit and was denied by Barclays because they're are approving consumers by a judgemental scoring system which is discrimination as congress states in the Federal Equal Opportunity Act. Barclays did not act in good faith because credit isn't a privilege but it's the right granted. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. According to 12 USC 1431 banks are borrowers and not lenders and my application was a financial asset. Barclays has a transaction on my consumer report which me there was an unauthorized use of my credit card ( 15 USC 1602p ) where I didn't receive any benefit from the consumer credit transaction.

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 2022-08-23 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
my dispute, the application doesn't show my social security number. the application shows another persons social security number. according to the fcra which is being violated, I am requesting removing and compensation. I was denied for housing due to this fraud account being on my report, even after I disputed this account multiple times. this is the original application from wells fargo that support my dispute for removal and compensation.

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 2022-08-23 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: TX

Complaint narrative:
After numerous attempts to get the CRAs to abide by FCRA and CFPB, I am not request for XXXX, Transunion, and XXXX to permanently delete the accounts that ( has been attached to the file ) for deletion according to FCRA 611 ( a ) [ 15 U.S.C 168ii ( a ) ] and section 609. These items are that I am disputing are required to be re investigated or deleted from my credit report within 30 days. I AM NOT ASKING ANY OF THE CREDIT REPORTING AGENCIES TO VALID WITH THE CREDITORS, I AM DEMANDING THE CREDIT REPORTING AGENCIES TO VALID THE DEBT. ACCORDING TO FCRA SECTION 609, THE LAW FCRA 15 USC 1681 STATES THAT THE CREDIT AGENCIES MUST VERIFY ALL INFORMATION THAT THEY RECEIVE FROM BANKS, CREDIT CARD COMPAINES, PRIOR TO BEING PUBLISHED ONTO MY CREDIT. THIS INFORMATION IS ALSO PRINT IN THE GUIDE FOR FEDERAL CREDIT BUREAU, SO I AM DEMANDING THE XXXX, XXXX, AND TRANSUNION TO SEND ME A COPY OF THE ORIGINAL SIGNED DOCUMENT FROM WHEN I OPENED THE ACCOUNTS. IF YOU ARE CLAIMING THE INFORMATION IS VALID/VERIFY/AND OR CORRECT I AM REQUEST THE CRA 'S TO VALIDATE AND SEND ME PROOF OF CLAIM. YOU HAVE 30 DAYS PER FEDERAL CREDIT BUREAU, CFPB, AND FCRA TO PROVIDE ME WITH PROOF OF CLAIM. 
FCRA SECTION 609 ( C ) ( 2 ) ( e ) also advise if the accurate negative information in the consumer credit profile is unable to verified, the reporting agency is required to delete it.

I AM DEMANDING THAT THE CREDIT REPORTING AGENCIES " TO PROVIDE VERIFIABLE PROOF '' ORINGAL DOCUMENTS RECORDS THAT YOU MUST KEEP ON YOUR DATABASE PER FEDERAL CREDIT AGREEMENT WITH MOUs.

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 2022-08-23 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: NY

Complaint narrative:
my dispute, the application doesn't show my social security number. the application shows another persons social security number. according to the fcra which is being violated, I am requesting removing and compensation. I was denied for housing due to this fraud account being on my report, even after I disputed this account multiple times. this is the original application from XXXX XXXX that support my dispute for removal and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: NY

Complaint narrative:
my dispute, the application doesn't show my social security number. the application shows another persons social security number. according to the fcra which is being violated, I am requesting removing and compensation. I was denied for housing due to this fraud account being on my report, even after I disputed this account multiple times. this is the original application from XXXX XXXX that support my dispute for removal and compensation.

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 2022-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Previously with XXXX ( had a forbearance agreement to defer payments to end mortgage XXXX ) Made 6 payments with XXXX before transfer to Selene. Then denied by Selene for loan modification due to reduced income. I offered to continue making payments but was told can only pay the deferred amount of {$60000.00} to avoid default

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
Please see the occurrence report attached. My documents are about 100 pages long. I'll upload a few here and furnish the rest in an email. I've been so unfairly just with these companies. I want action against them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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 XXXX XXXX submitting this CFPB complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of identity theft and that the items I am disputing were the result of such crime. I previously sent a letter dated XX/XX/XXXX with complete attachments of my personal identifying documents such as my driver 's license, SSN, as Proof of billing Address. I also attached a copy of the ID THEFT REPORT I received from the FTC. I have read that the Credit reporting agencies are requried to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 605b. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed accounts completely from my Credit report. If the Credit Bureaus insist that the disputed accounts belong under my name, I will need to be presented with documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus immediately remove the dispute accounts. If it is not that too much trouble, please remove the follownig accounts completely from my Credit Report : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Original Creditor : 06 XXXX ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} Date Opened : XX/XX/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