vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I find that my consumer file is being irresponsibly tampered with. Over the past 7 months I have made several attempts to remind equifax of their duty pursuant 15 USC 1681. It appears Equifax is intentionally and willfully being neglectful in remedying my affairs.

15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. 

I have been disputing these accounts with equifax and i have called them on numerous occasions. On every occasion the reps either didnt understand English and werent helpful and other times they were rude and hung up me. Including supervisors. Equifax failed to provide method of verification during their investigation as well as their reinvestigations. 

15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must promptly be removed. 

Equifax willful negligence in properly investigating my disputes have caused me a tremendous amount of stress due to the amount of time spent to remedy my affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: NY

Complaint narrative:
I received my investigation back and you stated you completed a fair investigation. You also said these accounts are 100 % accurate. 



But can you please answer this XXXX question? How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigative my consumer report : Did you interview my neighbors? 



Did you interview my friends? 



Who did you talk to? 



XXXX more thing can you please tell me how everything is 100 % present and accurate if the account number, Date opened, payment status, creditor type, and date last active on these accounts are not reporting the same information? 



You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my report I listed : Account name - XXXX XXXX Account number - XXXX Account name - XXXX Account number - XXXX Account number - XXXX Delete these accounts immediately or you will be held responsible for XXXX per violation. Send me an updated credit report with the accounts permanently deleted

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 2022-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I'm a victim of Identity theft. It all started about two year ago, when a lawfirm from Virginia called me to verify an application to lease an apartment. I told them I never apply to lease an apartment. And at that moment they new someone was using my personal information to commit fraud. So I immediately contacted the law enforcement at that state to report it. I also contacted the diferent credit bureau to freeze my credit. After a while I started getting calls from debt collectors telling me that a owe $ XXXX to $ XXXX. I told them someone else is using my personal info to commit this frauds. They requested more paperwork from me and that's what I'm doing now to proof my self that I'm not the person causing these debts collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX sent a letter that my car loan would be extended until the parts needed to repair the car were received. ( Know XXXX XXXX XXXX and Honda Financial Services both acknowledge that these parts have no date of arrival ) On XX/XX/XXXX and XX/XX/XXXX I was told verbally that I should call every month that I don't have the car and let them know to extend the loan for that month. They said that I was approved for this extension without additional fees or impact on my credit rating/report. 

Every month I have been getting threatening letters to pay the loan in spite of this agreement -noting they will affect my credit. I called Honda Fin'l customer service every time I received these letters and am told " don't worry, it's been approved ''. 

On XX/XX/XXXX I suddenly received a letter that the loan will NOT be extended beyond XXXX and XXXX with full payments starting in XXXX inclusive of XXXX and XXXX interest. 

I spoke, at length, with " XXXX '' in Honda Financial who said that's the best he " can offer '' and he made it clear there was nothing he could do to stand by the original agreement of extending the loan until XXXX can get the car part to the repair shop and I can drive my car. 

Any help in this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
During the XXXX and XXXX years, I tried to contact American Education Services about the loan they said I owed. They refused to correspond with my dozens of letters. I was in XXXX  for XXXX My mom had to contact them and they told her the interest would be deferred during my XXXX ( because I had no income at all ). They later told her the loans would be forgiven and considered paid in full. I now receive a letter dated XX/XX/XXXX, where AES is asking not only for the principal but an additional 11 years ( or so ) of interest. Furthermore, no one will tell me what this principal is in regards to. I paid off my loans completely. Today when I called ( XX/XX/XXXX ) was the first day that someone told me the vague response that it " was a grant that converted into a loan. '' I still have no idea what that grant was or why it converted to a loan. No one will tell me and I don't know the validity of it. 

I should also note that the letter they sent me says that the " loan ( s ) identified below, serviced by American Education Services ( AES ) and owned by the Pennsylvania Higher Education Assistance Agency ( PHEAA ), are in default. '' When I called PHEAA, they said I have no debt or active loans to them. When I questioned AES about this, they said that the loan is actually not owned by PHEAA ( despite what their letter states ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax giving false Credit scores means they didnt exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant to 15 USC 1681 ( a ) ( 4 ) Equifax also not having permissible purpose to furnish these accounts on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX US DEPT OF ED/XXXX - XXXX Hard Inquiry XXXX XXXX XXXX XXXX  No consent to furnish is fraud. 


After furnishing accounts on my consumer report as " Verified/Validated '' Equifax failed to disclose the details of the investigation to show how said accounts where " Verified/Validated ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX  XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX xxxxxxxxxx, XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX account 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 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 non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, FXXXX XXXX Account number : XXXX xxxxxxxxxx, XXXX XXXX XXXX  Account XXXX : XXXX, XXXX/XXXX Account number : XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

1

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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:
I have XXXX loan aunts with XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 Experian XXXX XXXX erroneously shows XXXX loans/it lists each loan XXXX thus incrading he total XXXX that I reportedly owe. 

XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 I have filed several disputes with Experian as well as poke to them on the phone where they acknowledged the error but have never corrected it.

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 2022-08-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax, XXXX and XXXX XXXX  XXXX HIPPA Laws and Rules. 
XXXX. XXXX, Equifax, XXXX, XXXX in violation of FCRA Act Unauthorized access to my credit file. 
XXXX. Don't owe a {$1300.00} medical bill. 
XXXX. Unauthorized disclosure of medical information. 
XXXX. I have been harmed by inaccurate crediting reporting. 
XXXX. XXXX XXXX, XXXX, Equifax, XXXX illegally accessed my frozen credit file for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. 
Failure to do so is a violation of my rights.

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 2022-08-05 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: NC

Complaint narrative:
I recently received a copy of my XXXX XXXX XXXX XXXX in the mail dated XX/XX/2022. After reviewing all three Credit Reports with XXXX, Equifax, & XXXX I noticed several fraudulent inquiries appearing on my credit report that I do not recognize. I have not applied for credit for quite some time. I noticed a total of XXXX inquiries that XXXX be connected to fraud. 

I did some research online on how to take care of these fraudulent inquiries, and then I saw some Credit Attorney online explaining how to fill out an FTC ID Theft Report. I submitted the FTC ID Theft Report back on XX/XX/2022. Please see the attached report for your review. These fraudulent inquiries are not mine are having a major detrimental impact on my ability to borrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently received a copy of my XXXX XXXX XXXX XXXX in the mail dated XX/XX/2022. After reviewing all three Credit Reports with XXXX, XXXX, & Experian I noticed several fraudulent inquiries appearing on my credit report that I do not recognize. I have not applied for credit for quite some time. I noticed a total of XXXX inquiries that XXXX be connected to fraud. 

I did some research online on how to take care of these fraudulent inquiries, and then I saw some Credit Attorney online explaining how to fill out an FTC ID Theft Report. I submitted the FTC ID Theft Report back on XX/XX/2022. Please see the attached report for your review. These fraudulent inquiries are not mine are having a major detrimental impact on my ability to borrow.

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Inquiries without my permission, derogatory report is inaccurate, late payment by XXXX XXXX is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. 
Failure to do so is a violation of my rights.

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 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We have {$4800.00} of charges on our credit card account charged by XXXX XXXX within three days of one another. We have a XXXX  account but the monthly charges are only usually about {$100.00} per month. We have disputed the charges with Bank of America and the claim was denied because they claimed the charges are consistent with our account history which is completely absurd.

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 2022-08-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I had a private loan. Navient calls so many times. especially when Im at work. Examples of the harassment of calls coming in back to back are Today XX/XX/2022 as of XXXX they called at XXXX XXXX XXXX XXXX XX/XX/2022 XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX This goes on and on and on day after day. They have call 19 times in 4 days. This has to be illegal. They have spoken to me many times. How can they continue to harass me to this extreme.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I called XXXX yesterday about fraud and the rep said they only follow XXXX policy and was calling the other consumer reporting agencies bureaus and I told her they are not bureaus. That yall are reporting inaccurate information. A charge off is income and shouldnt be reported on my consumer report. The IRS already confirmed this. Santander Consumer never sent me a XXXX and illegal sold a alleged debt to XXXX XXXX who I have no contract with that never provided DOCUMENTARY EVIDENCE. XXXX did not exercise their grave responsibility, they was unfair, they was partial, and they did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish negative information on my consumer report. They never had my lawful consent in the first place. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Also they rep said she can only do disputes. I demanded for it to be deleted/removed because that inaccurate information of the wrong name, charge off, and hard inquiries should not be on my consumer report. No consumer reporting agency got written instructions from I the consumer to report negative information and inaccurate information. They are acting as trustees!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: CL Holdings LLC
State: IN

Complaint narrative:
I called XXXX yesterday about fraud and the rep said they only follow XXXX policy and was calling the other consumer reporting agencies bureaus and I told her they are not bureaus. That yall are reporting inaccurate information. A charge off is income and shouldnt be reported on my consumer report. The IRS already confirmed this. XXXX XXXX never sent me a XXXX and illegal sold a alleged debt to Jefferson Capital who I have no contract with that never provided DOCUMENTARY EVIDENCE. XXXX did not exercise their grave responsibility, they was unfair, they was partial, and they did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish negative information on my consumer report. They never had my lawful consent in the first place. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Also they rep said she can only do disputes. I demanded for it to be deleted/removed because that inaccurate information of the wrong name, charge off, and hard inquiries should not be on my consumer report. No consumer reporting agency got written instructions from I the consumer to report negative information and inaccurate information. They are acting as trustees!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: OH

Complaint narrative:
In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past two years I have made several attempts to remind Equifax of their duty pursuant 15 USC 1681. It appears that they're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am filing this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1682i ( A.5 ) says that after reinvestigations, all of the unverified information must promptly be removed. 

Based on previous disputes I've filed with Equifax regarding these accounts ( XXXX ), Equifax failed to thoroughly investigate these accounts as well as not sending substantial proof of validation after their independent investigation. 

The following accounts we're not properly investigated and needs to be removed according to 15 USC 1681i. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX This revolving account being reported by Equifax is inaccurate and is being unfairly listed multiple times on my consumer report : XXXX. XXXX XXXX XXXX XXXX Remove this account for inaccuracy immediately. This account is listed twice on my consumer report causing damage to my financial future. 

XXXX. XXXX XXXX XXXX XXXX remove this account due to being unverifiable and inaccurately reported. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Equifax failed to provide proof of delinquency following a improper investigation for this late payment reported by : XXXX XXXX XXXX Update this account to pays as agrees. Balance owed is being reported inaccurately which proves Equifax didn't complete a proper investigation of this account.

Company response to consumer: Closed with explanation