vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX, with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXXXXXXBalance : {$1000.00} 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
Consumer complaint received 2022-09-21 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected PRONTO : XXXX XXXX XXXX XXXX  XXXX .... Date opened XX/XX/2017 Balance $ XXXX-Late/Open Late Date 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 2022-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sammamish Mortgage Company
State: OR

Complaint narrative:
I began my mortgage shopping on XX/XX/XXXX. 

on XX/XX/XXXX i spoke with XXXX XXXX with Sammamish Mortgage I asked him to pull my credit to see if i qualify. XXXX refused, said he could do it the following day. I told him i didn't want to do it after today because i will be leaving the 14 day window for shopping. Outside of 14 days, if he pulls my credit it will have a hard ( negative ) impact on my vantage score. XXXX told me i have 45 days, but he is not aware that the 45 day window is only for XXXX, not XXXX. If i took steves advice, i would have a second hard incquiry on my XXXX XXXX which will affect my credit worthiness. 

It's important to properly educate customers that the 14 day shopping window is only for XXXX and the 45 day window is for XXXX. This can be indicator of XXXX, misleading the customer to get them to purchase a product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
On XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, GA XXXX for XXXX the vehicle was later voluntary repossessed and subsequently sold. I was never notified about the price of the vehicle which was later charged off. I requested several times for sell date and sell amount. I later have several different balances that I was informed that I am currently being charged for with not detailed legal amount. Those amounts are XXXX and a initial amount of XXXX which I know is incorrect. I would like for you to remove this incorrect data which has impeding me from obtaining any credit for erroneous information which was never provided to me in accordance FCRA, and FATA. Thank you and please update and correct and remove. 

thank you XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 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: NV

Complaint narrative:
For over 3 years I have submitted proof to the 3 credit bureaus that XXXX XXXX was garnishing my wages on an account that didn't belong to me, the account in question was opened fraudulently. The garnishment caused my actual credit card payments with XXXX XXXX to bounce and caused a chain reaction of late payments because they were on auto-pay. 

XXXX XXXX sent me a letter acknowledging that the garnishment was not supposed to happen and refunded all the payments they took from my check. XXXX XXXX didn't erase my late payments that were caused by their mistake. I have letters from XXXX XXXX acknowledging their mistake, and copies of certified letters from me to the credit bureaus asking them to correct the information and remove the late payments. 

I have placed a fraud alert because there are hard inquiries that I did not authorize. The following hard inquiries are not authorized by me : XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance )

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 2022-09-21 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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX RENEWAL BY A XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  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
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has stated that my accounts in question have been properly investigated and how is that possible if the theirs multiple errors attached below. 

I also came to you on my old account regarding the dispute that I never got it has been more that 30 days : Which is another violation. 

This is grounds for removal and monetary relief immediately. 
My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions. 

The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

XXXX XXXX XXXX  XXXX Incorrect Account Number Date Opened is Incorrect No High Balalnce Incorrect Experian is reporting 4 months of late payments during covid XXXX ( XXXX ) Above Account : {$7000.00} XXXX XXXX XXXX XXXX Incorrect Account Number No high balance A collection can not have an account balance Above Account : {$3000.00} XXXX XXXX XXXX XXXX XXXX Account Number No high balance Experian is reporting XXXX XXXX XXXX XXXX XXXX during covid XXXX ( XXXX ) Above Account : {$7000.00} XXXX XXXX XXXX XXXX Incorrect Account Number Date Opened is Incorrect High Balalnce Incorrect A Charged off account can not have a balance Above Account : {$4000.00} XXXX XXXX Incorrect Account Number Date Opened is Incorrect High Balalnce Incorrect A Charged off account can not have a balance Above Account : {$4000.00} XXXX XXXX XXXX XXXX XXXX Wrong account number no high balance a charged off account can not have a balance incorrect monthly reporting XXXX ( XXXX ) Above account XXXX They are also reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2022-09-21 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: MD

Complaint narrative:
TransUnion Consumer Solutions has violated my rights to privacy. 
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. 

Account Name : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX XXXX XXXX. Account Number : XXXX has violated my rights. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. 
Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXXXXXX XXXX Account Number : 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 1681 Section ( 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 non-monetary relief
Consumer complaint received 2022-09-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting a bankruptcy in my Experian credit report which they not allow to report in my credit report I contact bankruptcy court and they do not report to any credit Bearu 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 agencie can not furnish a account without my writing instruction

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 2022-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MI

Complaint narrative:
On XX/XX/XXXX, I paid off my federal student loans with Cornerstone. Since then Cornerstone has been shut down and has been transferred to FedLoan Servicing. I've never made an account or a payment to FedLoan Servicing because my loans were all paid off. I called FedLoan at the beginning of XX/XX/XXXX to request a refund for the payments that I've made to my federal student loans but they said that they couldn't help since I had no account with them. They are also being shut down and being transferred to XXXX so I can't create an account with them. I'm left in a situation where I'm eligible to receive a refund of my payments but aren't able to because of the servicer migration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I was the victim of identity theft as a result of an XXXX data breach. I subsequently placed a fraud alert on my credit report and had several alerts from XXXX indicating they received an application for an account that could not be verified. Several months ago, I received a collection notice from XXXX regarding a fraudulent XXXX account. I contacted XXXX and was told no further action was required by me that the issue would be handled based on the information I provided. Today, I received a collection notice from XXXX, on behalf of Jefferson Capital Systems related to the same XXXX account. This is not my account, I am the victim of identity theft. I have provided documentation and a police report in addition to having this documented on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: CA

Complaint narrative:
I discovered that there is incorrect account on my credit report when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reported account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  XXXX Balance : {$670.00}

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 explanation
Consumer complaint received 2022-09-21 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Transunion, asking them to provide me with legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. You are big, XXXX liars! You claimed that you verified these accounts but provided no documents. I haven't heard any response from Transunion and it made me lose my patience. They have violated Sections 605B and are also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Enclosed here are my FTC report for your reference Below, are the items they should DELETE from my file : XXXX XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX Date XXXX XX/XX/2017 Balance {$63000.00}

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 2022-09-21 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such infomation, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Account name XXXX Account number XXXX Original creditor - Company sold - Account type Installment account Date opened XX/XX/XXXX Open/closed Open Status Paid or paying as agreed Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Revolving account Date opened XXXX XXXX, XXXX Open/closed Closed Status Paid or paying as agreed Status updated XX/XX/XXXX Account name XXXX Account number XXXX Original creditor - Company sold - Account type Installment account Date opened XX/XX/XXXX Open/closed Closed Status Charged off as bad debt Status updated XX/XX/XXXX Account name XXXX  Account number XXXX Original creditor - Company sold - Account type Installment account Date opened XXXX XXXX, XXXX Open/closed Closed Status Payment after charge off / collection Status updated XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX sold - Account type Open account Date opened XX/XX/XXXX Status - Status updated XX/XX/XXXX 2022

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 2022-09-21 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: CA

Complaint narrative:
I discovered that there is incorrect account on my credit report when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reported account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I setup AutoPay from my XXXX XXXX checking account. I designated Bank of America as my designated payee. Reoccurring charges were set up to pay Bank of America on the XXXX of each month. My Bank of America credit card payment due date is on the XXXX of each month. XXXX XXXX sent my payment electronically on the XXXX. For whatever reason, Bank of America is purporting payment was not received until the XXXX of XXXX. As a result, they charged me a late fee of {$35.00}. I dispute the late fee and I refuse to pay it. My payment was, in fact, sent on-time.

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