vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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 was notified about an XXXX account on my credit report from my mortgage banker who pulled my credit in XXXX of XXXX. I knew of this account because I disputed it not only once, but twice, with screenshots/attachments from my account with XXXX, stating that the account was paid off. However, to my surprise, Experian sent me the results of the first dispute which was submitted XX/XX/XXXX ( document 1 ) stating that : The company that reported the information has certified to Experian that the information is accurate Of course being surprised by the certification that Experian received from XXXX that was obviously untrue, I re-disputed the XXXX  account and added the screenshots/attachments to the dispute showing the account number and the balance of {$0.00} ( Document 2 ). Now surely with the provided evidence of the XXXX purchase at {$0.00} they will grant the dispute and remove the account. Yet once again, to my surprise, the second dispute results also stated : The company that reported the information has certified to Experian that the information is accurate. ( Document 3 ) Being that Experian told me that the information of the aforementioned account was certified to Experian to be accurate, I then chose to contact XXXX, to see who is certifying this information as accurate. I spoke with someone who confirmed what I had been suspecting ; the person who was in charge of both of my disputes, never contacted XXXX to investigate the dispute. I received a statement from XXXX, stating that the account is in fact at a zero balance. ( Document 4 ). 

I then was told by an XXXX representative that after their own investigation, the account was first reported as a charge off, but was then reported as paid off on XX/XX/XXXX. ( Document 5 ) This was sufficient evidence for me to come to the conclusion that the employee/employees at Experian, did not do their due diligence, but in turn, could have effected my purchase of a new home for my family. I wonder how many of consumer disputes has this person/people just certified as being accurate, without actually completing an investigation, which is my federal right according to the Fair Credit Reporting Act ( FCRA ). The credit reporting company, in this instance Experian, MUST take certain steps, in order to investigate a consumers dispute per the FCRA. These steps were obviously not taken in this instance.

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 2022-06-03 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: MI

Complaint narrative:
I sent my letter off on XX/XX/2022, telling them that they are reporting inaccurate information on my credit report and asked them to verify and delete inaccurate information on the accounts I have listed below. I have attached the letter I sent out and here is the tracking XXXX XXXX XXXX XXXX XXXX The Credit Bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, and the date last reported is inaccurate.This is grounds for removal. They also violated my rights under 15 USC 1681 States everything has to be 100 % accurate on my report. 
15 USC 1681 SECTION 602 A. States I have the right to privacy. 

15USC 1681 SECTION 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 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: MI

Complaint narrative:
I sent my letter off on XX/XX/2022, telling them that they are reporting inaccurate information on my credit report and asked them to verify and delete inaccurate information on the accounts I have listed below. I have attached the letter I sent out and here is the tracking XXXX XXXX XXXX XXXX XXXX The Credit Bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, and the date last reported is inaccurate.This is grounds for removal. They also violated my rights under 15 USC 1681 States everything has to be 100 % accurate on my report.

15 USC 1681 SECTION 602 A. States I have the right to privacy.

15USC 1681 SECTION 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Compattia Roccia Management Group, LLC
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX  and what actions s/he has taken in relation to this account.

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 2022-06-03 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:
According to the Fair Reporting and XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602a States I have the right to privacy 15 USC 1681 Section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reason, unless the creditor has adopted reasonable procedures disgned to ensure that each periodic statement including the information required by section 1637 b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-06-03 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: TX

Complaint narrative:
According to the Fair Reporting and XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602a States I have the right to privacy 15 USC 1681 Section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reason, unless the creditor has adopted reasonable procedures disgned to ensure that each periodic statement including the information required by section 1637 b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: HI

Complaint narrative:
i am a victim of identity theft. i have no contract nor have ever recieved any benefits from RUSHMORE LOAN MANAGEMENT SERVICES. i have no knowledge of this company. i deny their claim that i owe them {$17000.00} nor {$330000.00}. i have never received any cash transaction nor tangible tender in that nor any amount from them nor any of their affiliates and i decline to perform on any unverified note unless i am given the said smount above in cash. no payments will be made until an original note is produced and proof of ownership of said note is produced by affidavit. 

There are also forged signatures on said note that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX RECENTLY REPORTED AN INACCURATE COLLECTIONS ACCOUNT. THIS ACCOUNT ( XXXX ) WAS RECENTLY REMOVED FROM MY CREDIT REPORT FROM ALL 3 BUREAUS BECAUSE OF FALSY REPORTED. I HAVE NEVER HAD AN ACCOUNT WITH XXXX, XXXX DO NOT HAVE MY SOCIAL #, PHONE CONVERSATIONS, EMAIL CONVERSATIONS, OR ANY PERSONAL INFO OF MINE, NOT EVEN A SIGNED CONTRACT AGREEMENT BECAUSE ITS A FALSE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: ND

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX 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 2022-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I tried several times to get this done. Below are all the phone people except for one that I didnt record : XXXX XXXX XXXX XXXX ( supervisor ) XXXXCitibank recording. I was told our account wasnt locked down anymore, but that was wrong. 
XXXX ( female ) Our account was still closed on her screen. 
XXXX XXXX ( supervisor from XXXX XXXX XXXX I sent this letter after the first conversation with XXXX, XXXX, and then did a certified letter on XX/XX/2022. It got to XXXX XXXX all three times. 

They told me Id have to get it in {$500.00} increments from an ATM, so I decided not to do it that way.

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 2022-06-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act my rights have been violated by -XXXX  # XXXX 15USC 1681 SECTION 602A states I have a right to privacy ....

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction These two violations are more then enough needed to remove that account

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 2022-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In was looking over my report, you guys marked me as late on beginning XX/XX/2021 In which I requested a investigation on what was stated to me. Later that year I tried to have the later remove with a good faith letter that was denied. According to the law you are not suppose to do this and I would never be in this settlement agreement now on a Charge-off account. 

In accordance with the Fair Credit Reporting Act Convergent account with Capital One has violated my rights. 

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experience between the consumer and the person making the report are not included in consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Receivables Performance Management LLC doing business as RPM has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Receivables Performance Management LLC doing business as RPM claims XXXX XXXX doing business as XXXX XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Receivables Performance Management LLC doing business as RPM claims XXXX XXXX doing business as XXXX XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Receivables Performance Management LLC doing business as RPM on XX/XX/XXXX and XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX doing business as XXXX XXXX XXXX action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX doing business as XXXX XXXX and Receivables Performance Management LLC doing business as RPM is now civilly liable to pay me for the damages.

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 2022-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AR

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

LVNV FUNDING LLC XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I was recently informed that I did not Qualify for the Navient Cancelation of Private student loans. I feel that I should have qualified for the following reasons. 
I obtained my loans in XX/XX/XXXX. I had maxed out my deferral with Sallie Mae shortly after having repayment began because the payments were too high. I lapsed on quite a few payments. I was pressured into a payment plan to stop the harassing calls and bad reporting on my credit, Unfortunately the payment plan lowered my Monthly payments but it was at a negative amortization. I delt I had no choice but to accept a few times. And although I was told that they will stop the negative reporting on my credit with the new payment plan they did not. I called to inquire about it and was told until all back pay including the added amounts to the balance was paid they will continue to report it as late. This was not the way it was explained to me prior to signing up. I have only been just recently able to pay down some of the principal and I have been paying on these loans since XXXX. 
Also the loans are high interest and they refuse to allow me to refinance. I feel this is not fair. I feel trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: NC

Complaint narrative:
In accordance to the Fair Credit Reporting Act, the companies below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX has violated my rights : XXXX XXXX XXXX ( XXXX ) have violated my rights by reporting inaccurate and inconsistent information that I have not authorized by verbal or written consent. 

15 U.S.C. 1681 section 602a - states I have a right to privacy.

15 USC section 604 -states a consumer reporting agency can not furnish an account without my permission.

15 USC 1681c ( a ) ( 5 ) - states no consumer reporting agency may make any report containing any of the following information ; any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15USC 1681 S-2 ( A ) ( 1 ) states a person may not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: TX

Complaint narrative:
I noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied with my name. According to the FCRA, these unverified and UNAUTHORIZED inquiries most be remove. 

CREDIT BUREAU NAME : TransUnion XXXX XXXX, XXXX XXXX, ( Duplicate Account ) XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Service for XXXX in the amount of {$74.00}. XXXX XXXX XXXX 2022. 

In accordance with the Fair Credit Reporting Act XXXX account XXXX has violated my rights. The HIPPA Law.

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act my rights have been violated by -DEPTOFED/XXXX XXXX  XXXX 15USC 1681 SECTION 602A states I have a right to privacy ....

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction These two violations are more then enough needed to remove that account

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 2022-06-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act my rights have been violated by -DEPTOFED/XXXX  # XXXX 15USC 1681 SECTION 602A states I have a right to privacy ....

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction These two violations are more then enough needed to remove that account

Company response to consumer: Closed with explanation