vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have requested verification in writing of the accuracy of this information for over 4 months now. All I receive is a comment stating that the info has been verified, with no details of written verification. Per 15 U.S. Code 1681s the credit reporting bureaus can not report inaccurate info! 

1. XXXX reports timely payments for XXXX, XXXX, XXXX and XXXX ; it shows it as open but is a CLOSED CARD as of XX/XX/XXXX! 
2. XXXX reports it was closed in XX/XX/XXXX 3. TransUnion shows it being closed in XX/XX/XXXX XXXX. This card was closed XX/XX/XXXX! 

Furthermore, TransUnion posts a 'Date Opened ' of XX/XX/XXXX and 150 days late, XXXX and XXXX post a Date Opened as XX/XX/XXXX and 120 days late on a card that was NEVER LATE because it was closed BEFORE the dates being reported as late! 

Dates last active, Dates of last payment are conflicting and inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please see attachment.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested verification in writing of the accuracy of this information for over 4 months now. All I receive is a comment stating that the info has been verified, with no details of written verification. Per 15 U.S. Code 1681s the credit reporting bureaus can not report inaccurate info!

1. Equifax reports timely payments for XXXX, XXXX, XXXX and XXXX ; it shows it as open but is a CLOSED CARD as of XX/XX/XXXX! 
2. XXXX reports it was closed in XX/XX/XXXX 3. XXXX shows it being closed in XX/XX/XXXX XXXX. This card was closed XX/XX/XXXX! 

Furthermore, XXXX posts a 'Date Opened ' of XX/XX/XXXX and 150 days late, XXXX and Equifax post a Date Opened as XX/XX/XXXX and 120 days late on a card that was NEVER LATE because it was closed BEFORE the dates being reported as late! 

Dates last active, Dates of last payment are conflicting and inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please see attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting 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:
I have requested verification in writing of the accuracy of this information for over 4 months now. All I receive is a comment stating that the info has been verified, with no details of written verification. Per 15 U.S. Code 1681s the credit reporting bureaus can not report inaccurate info! 

1. XXXX reports timely payments for XXXX, XXXX, XXXX and XXXX ; it shows it as open but is a CLOSED CARD as of XX/XX/XXXX! 
2. Experian reports it was closed in XX/XX/XXXX 3. XXXX shows it being closed in XX/XX/XXXX XXXX. This card was closed XX/XX/XXXX! 

Furthermore, XXXX posts a 'Date Opened ' of XX/XX/XXXX and 150 days late, Experian and XXXX post a Date Opened as XX/XX/XXXX and 120 days late on a card that was NEVER LATE because it was closed BEFORE the dates being reported as late! 

Dates last active, Dates of last payment are conflicting and inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please see attachment.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
victim of id theft. I attached police report to finally put this all to an end immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The company sent me an email stating I had to make a payment by XX/XX/XXXX in order to prevent my loan from being all due at once. Not only had a made a payment XX/XX/XXXX, I scheduled this payment on XX/XX/XXXX for XX/XX/XXXX, the default date on the website. 

When the company updated their credit reporting for XXXX, they stayed I was 30+ days past due. This was not correct as the furthest due date had been satisfied and no other payment went 30+ days. When I reached out regarding this, they ignored my emails over and over, which is ironic because they violated a cease and desist over and over before that in order to contact me. When i contacted Experian to submit a dispute, they updated my credit report to include FUTHER misinformation by stating the account was in collections in XXXX, which it obviously was not if they were demanding payment for XXXX. They are incredibly vindictive and predatory. 

Not to mention I had moved to XXXX and they had continued to allow me to use their service for a year even though it was not legal in our state.

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 2024-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Original Creditor : Exeter Finance LLC Acct # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX. 
XXXX File # : XXXX Balance : {$10000.00} You've Got Options! Pick a Plan to Settle Your Debt for a Fraction Exeter Finance LLC sold this account to this debt collector. I have asked on different occasions for Exeter to provide documentation from the sale of the vehicle no information never provided. Have asked the debt collector to provide the same documentation never received. I dont owe this debt and would like this to removed off my credit report. They refuse to provide the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
On XX/XX/XXXX I submitted the application, School Misconduct Discharge for attending a predatory school, to Navient who serviced my private loans. I attached substantial evidence along with my personal account of my experience. On XX/XX/XXXX Navient sent me a denial response to my application stating I didn't meet the requirements for loan discharge. I followed up with an email asking for details on why my application was denied, in detail, along with the requirements for loan discharge seeing as I didn't meet those requirements which doesn't seem possible. I should meet all the requirements for loan discharge and am part of the post class borrowers defense lawsuit for federal loan discharge, XXXX. My private loans also fall under the attendance requirements from the federal govt for loan discharge seeing as I was enrolled at points between XXXX XXXX, XXXX, through XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Below I will attach proof of identity and address validation along with supporting documentation so On XX/XX/2024 I XXXX submitted a dispute via certified mail to Transuion and XXXX and XXXX Im a victim of identity theft / fraud all credit reporting companies fail to protect my consumer rights and did not remove fraudulent accounts and inquiries on my personal credit report which Cause emotional distress I and my attorney now have to file a civil lawsuit in court for violating Texas penal code 605b of the fair credit reporting act my attorney have filed against all above companies in federal court as of XX/XX/2024 TRANSUION FAIL TO REMOVE ALL INQUIRIES WHICH ARE FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX did not remove the fraudulent account. 
XXXX XXXX XXXX {$710.00} Also fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not remove fraudulent accounts and inquiries that I did not authorize ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  Inquires XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2024-06-09 00:00:00
Product: Credit reporting 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXX XXXX Account number XXXX Here is the item I am asking you to verify as accurate.

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 2024-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I have three loans. I made an additional prepayment amount on one loan for {$840.00} on XX/XX/year> and my autopay was scheduled for XX/XX/year>. On XX/XX/year> I logged into my account and was notified that the two loans I had not made an additional payment on were past due. Aidvantages website indicates that prepayments will not impact a future scheduled autopay. I am concerned that my autopay was not processed as promised, causing me to miss a payment. I am also concerned that I was not proactively contacted about my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-06-10 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB Corporation
State: HI

Complaint narrative:
This collection agency USCB company is attempting to collect a debt that I do NOT owe in the state of XXXX and they have reporting this false information on my consumer report which violates both FDCPA and FCRA. I demand that they show evidence that they are justified in collecting such debt by providing all requested documents stated in the attached dispute letter. This includes a notarized signed agreement bearing my signature or an assigned agreement from creditor that also bears my signature. Last I check I did not signed anything authorizing this agency to collect on behalf of the creditor that I conducted business with. Additionally, in the state of XXXX a debt collector is required to be bonded and have a license to collect, therefore, I am demanding that they show proof that they are allowed to collect in Hawaii otherwise they would be violating the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If they can not show any of the requested documents then I demand that they cease all collection activity and delete this item from my consumer report.

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 2024-06-09 00:00:00
Product: Credit reporting 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:
I am writing to express my frustration and disappointment with XXXX lack of response regarding the removal of inquiries from my credit report. On XX/XX/year>, I submitted a formal request to have certain inquiries removed from my credit history. Despite following the proper channels and providing all necessary documentation, I have not received any substantive communication from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I received a letter just months before the wage garnishment. I called the XXXX number and the person that answered was very rude. I asked what this was about and to send me the information concerning the debt. He told me that it was too late, and the garnishment was in placed. I said that I can't afford a garnishment it would ruin me. Again, I asked what the debt was about, again he stated you should know. So, I said maybe I need to acquire a lawyer, then he being as rude as ever stated yeah, please do we have lawyers here, too. The company sent a wage garnishment to my employer and now {$680.00} is taken from each check. I can not pay my necessities bills, pay for my XXXX meds, and sometime buy food. I was working from home before XXXX because I was on a medical leave of absence. Then while on medical leave my employer sold the business and I had to receive unemployment benefits which didn't cover most of my bills. Then almost 2 years later, I found a part time job for part time paying {$15.00} dollars an hour. At this point, I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Requested origin of debt and verify, nothing was done or provided by debt collector

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 2024-06-09 00:00:00
Product: Credit reporting 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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2024-06-10 00:00:00
Product: Credit reporting 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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number XXXX DEPT OF EDUCATION/XXXX Account number XXXX DEPT OF EDUCATION/XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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