vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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: Colony Brands, Inc.
State: NV

Complaint narrative:
I spoke to a representative from this company and they stated that they would remove this account from my credit reports if I paid the account off. It has been years and this company has not honored their word. I requested this account be taken off all 3 reports as I was promised by a representative of the company that it would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Synovus Bank
State: TX

Complaint narrative:
First Progress Credit card company is reporting late " Payments '' on my credit report. This is a violation of my consumer rights as I did not give XXXX, XXXX, or XXXX written consent to report these derogatory markings on my report. According to 15 USC 78m ( q ) ( 1 ) ( C ) the term " payment '' is defined as C ) the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; and ( II ) not de minimis ; and ( ii ) includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals ;. How then can these alleged " late payments '' be reported on my credit and consumer report, when the definition of " payment is not applicable to the cause. This can not be so! 

According to HJR 192 PL 73-10, " The American debt is XXXX dollar for dollar '' Due to the fiat currency being null & void because it is no longer backed buy Gold or silver. Therefore, I am demanding that these derogatory infractions fictiously described as late payments be removed from my credit and consumer report immediately. 

These derogatoriness are reported to account ending in XXXX XXXX, XXXX and on account ending in XXXX on XXXX, XX/XX/22 As this is defamation to my credit history and oppressing me financial, hindering me from approval with other lenders. 

This is a violation of my consumer rights and I hereby exercise them in accordance to TITLE 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have tried four time to get my consumer report from LEXIS NEXIS. I submitted a copy of my driver 's license and they are denying me access to my consumer report and file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from JPMCB CARD on XX/XX/2021. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from JPMorgan Chase and I have been injured.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: UT

Complaint narrative:
I have been demanding that Experian remove these disputed tradelines for over 18 months now. I've mailed multiple disputes and filed CFPB complaint # XXXX. I've requested a full disclosure pursuant to Fair Credit Reporting Act 609 for the entire consumer file in their possession that contains my name. 

Experian has FAILED OR REFUSED to investigate and provide me with results within 30 days. 
Experian has FAILED OR REFUSED to provide me with the entire consumer file. 
Experian has FAILED OR REFUSED to permanently DELETE tradelines of companies that DO NOT EXIST. I have provided proof of documentation through my CFPB complaints and my dispute letters showing that the companies that they claim furnished information to them DO NOT EXIST in my state or the states they claim they are in. 

XXXX has permanently DELETED the accounts I've disputed because they were not able to verify and validate the tradelines. If XXXX can not verify AND validate these accounts, how can EXPERIAN possibly verify and validate the tradelines? 

It is my belief that Experian is committing fraud, identity theft, and using deceptive trade practices to continue to defame my character, prevent me from accessing credit in violation of the Equal Access to Credit Opportunity Act. I am being damaged daily by Experian refusing to delete the following accounts, which are not registered to do business in the state of Utah which means I can not serve them with notice of intent to file a lawsuit, and they can not do business here : 1. XXXX XXXX  XXXX 2. XXXX XXXX 3. XXXX 4 . XXXX XXXX XXXX 5. XXXX XXXX XXXX It appears that Experian has a vested financial interest in continuing to report these fraudulent tradelines and refusing to send me a copy of the entire consumer file concerning me, which will show that they do not have the proper documentation required by law to reporting this information. 
I HAVE NOT GIVEN EXPERIAN PERMISSION TO REPORT, COMPILE, OR APPROPRIATE MY NAME AND LIKENESS and PRIVATE FINANCIAL MATTERS. THIS IS AGGRAVATED IDENTITY THEFT BY EXPERIAN. 
I demand that they immediately delete the information! 

I have attached proof that XXXX has deleted the tradelines.

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 2022-04-19 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: IL

Complaint narrative:
FAILURE TO PRODUCE ANY VIABLE EVIDENCE REQUESTED IN SUPPORT OF THE ACCURACY OF ALL NEGATIVE ITEMS LISTED ON MY REPORT IN THE APPROPRIATE TIMEFRAME FOR OVER 9 MONTHS, INCLUDING COMPLAINTS SENT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU, AND STILL FAILING TO SHOW ANY TYPE OF PROOF WITH RESPECT TO THE CREDIT REPORTING ACT OR GIVE ANY RESPONSE TO MY CLAIMS, REQUESTS, OR COMPLAINTS- INCLUDING FAILURE TO SUPPLY ANY TYPE OF CREDIT REPORT - INCLUDING LEGAL ACTIONS ALREADY TAKEN - AND FAILURE TO ADHERE TO THE REQUIREMENTS, CLAIMS, AND REGULATIONS REQUIRED BECAUSE OF THE EFFECTS OF COVID-19.

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 2022-04-19 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

DEPT OF ED/XXXX  Account # XXXX, has violated my rights. 
XXXX, XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

DEPT OF EDXXXX Account # XXXX, has violated my rights. 
XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a student loan account that is currently in Forbearance,. There are 6 accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all XXXX Agencies ( XXXX, Transunion, XXXX ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.

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 2022-04-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a student loan account that is currently in Forbearance,. There are 6 accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all XXXX Agencies ( equifax, XXXX, XXXX ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MD

Complaint narrative:
I have a student loan account that is currently in Forbearance,. There are 6 accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all 3 Agencies ( XXXX, XXXX, Experian ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.

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 2022-04-19 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:
I have been addressing this problem for over a year. XXXX XXXX XXXX is reporting my account is a business account but the credit reporting agencies is still reporting it as a personnel account instead of a business account. 

On XX/XX/XXXX, I filed a complaint of fraudulent credit reporting activities of XXXX XXXX XXXX. During that time, I investigated months of credit reporting from all three credit bureaus and was disturbed from the inconsistencies of reporting on my credit report. I did not only find that the credit agencies allowed XXXX XXXX XXXX to change a XXXX XXXX account in the name of XXXX XXXX. to an individual account and call it revolving account in the name of XXXX XXXX. This change took place thirteen years after the XXXX XXXX Account was opened XX/XX/XXXX. But also, the credit bureaus reported this information without investigating the fraudulent data given to them from 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 2022-04-19 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: TX

Complaint narrative:
I have been addressing this problem for over a year. XXXX XXXX XXXX is reporting my account is a business account but the credit reporting agencies is still reporting it as a personnel account instead of a business account. 

On XX/XX/XXXX, I filed a complaint of fraudulent credit reporting activities of XXXX XXXX XXXX. During that time, I investigated months of credit reporting from all three credit bureaus and was disturbed from the inconsistencies of reporting on my credit report. I did not only find that the credit agencies allowed XXXX XXXX XXXX to change a XXXX XXXX account in the name of XXXX XXXX. to an individual account and call it revolving account in the name of XXXX XXXX. This change took place thirteen years after the XXXX XXXX Account was opened XX/XX/XXXX. But also, the credit bureaus reported this information without investigating the fraudulent data given to them from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.

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 2022-04-19 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: IL

Complaint narrative:
Experian has not updated my trade line for for XXXX since XX/XX/XXXX. This is an ongoing issue with Experian. All other credit bureaus receive the updates per statement and act accordingly. Experian has failed several times with updating my balance with the correct information. Thats several violations of the FCRA. ALSO, they will not let me dispute it when I tried on their website.

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 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
THIS PROBLEM HAS BEEN GOING ON SINCE XX/XX/2022. I JUST SPOKE TO XXXX FROM THE XXXX XXXX TAX OFFICE. @ XXXX. SHE JUST CHECK FOR THE REFUND PROCESS AND NO REFUND HAS BEEN REQUESTED FROM SHELLPOINT AT ALL REFERENCE PROPERTY TAX # XXXX IN THE AMOUNT OF {$6000.00} ISSUED BY XXXX XXXX XXXX  XXXX IS THE COMPANY WHO SENT THE CHECK TO A TAX ACCOUNT THAT HAS BEEN PAID IN PULL SINCE XX/XX/2022. SHELLPOINT MORTGAGE HAS ALREADY SAID 2X SINCE XX/XX/2022 THEY REQUESTED FOR A REFUND. THEY ARE LYING 100 %. NO REFUND HAS BEEN REQUESTED AT ALL. YOU CAN CONTACT FOR YOURSELF AND PROVIDE MY TAX ACCOUNT AS WELL GO TO THE LINK AND TYPE IN THE REFUND ACCOUNT # AND THE STATUS SAYS NO REFUND CHECK ISSUED. SO WHY IS SHELLPOINT MORTGAGE LYING??????? AS WELL I HAVE BEEN PAYING INTEREST ON THAT {$6000.00} SINCE XX/XX/2022. INTEREST IS OWED TO MY ACCT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I spoke with a representative of this company and I was promised that the late payments would be removed from my credit reports if I paid the balance on time and got in good standing. I have paid off the balance and my account has remained in good standing for years but this company never honored their promise to remove the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I spoke with a representative of this company and I was promised that the inquiries made from 2021 would be removed from my credit reports This company never honored their promise to remove the inquiries that their representatives made to me on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I spoke with a representative of this company and I was promised that the inquiries made from 2021 would be removed from my credit reports This company never honored their promise to remove the inquiries that their representatives made to me on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Moiharwin Diverisfied Corporation
State: NV

Complaint narrative:
On XX/XX/2022 at XXXX am PST I received a voicemail from XXXX by an individual identifying themself as XXXX from XXXX XXXX XXXX XXXX. I've never been contacted by any debtholder that I am past due or owe a debt. XXXX asked me to call back and provide my information.

Company response to consumer: Closed with explanation