vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent my letter off on XXXX XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, Tracking # XXXX, and tracking # XXXX. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % 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 explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of Identity Theft and my plead for help has been ignored by Discover. There is a fraudulent account by Discover on my credit report that is NOT MINE. I MAILED my official Identity Theft letter, proof of ID, and supporting Police Report from the XXXX to Discover on XX/XX/22 via XXXX XXXX Mail, they have not responded or confirmed my communication and continue to report this fraudulent information to XXXX, XXXX XXXX XXXX. This is currently causing me and my family financial damage, hardship and defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. The date opened is inaccurate. It's reported on XXXX as a different date compared to XXXX and Equifax. The alledged debt shows as charged off, but another account from XXXX XXXX XXXX shows the exact same account number. Both companies have violated my rights. A debt validation letter was sent to XXXX XXXX XXXX in early XXXX. 45 days have passed and they have yet to send me proper documentation proving I owe on the alledged debt or showing that I have ever done business with them. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX XXXX has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports.

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 : 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 2022-05-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. The date opened is inaccurate. It's reported on XXXX as a different date compared to Experian and XXXX. The alledged debt shows as charged off, but another account from XXXX XXXX XXXX shows the exact same account number. Both companies have violated my rights. A debt validation letter was sent to XXXX XXXX XXXX in early XXXX. 45 days have passed and they have yet to send me proper documentation proving I owe on the alledged debt or showing that I have ever done business with them. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX XXXX has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports.

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 : 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 explanation
Consumer complaint received 2022-05-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/22 several checks from a JP Morgan Chase Bank were mailed from a USPS collection box outside the main branch of the XXXX, XXXX  post office. 

On XXXX I discovered taht the check was fraudulently altered and deposited into another account. I filed a police report, notified the US Postal Inspection Service, and Chase.

I placed a stop payment order on all missing checks from that mailing. 

Despite being alerted to fraud, and a stop payment order, A second fraudulently altered check was presented and honored by Chase. 

After the fact, Chase advised that they did not stop payment because the check number and check amount of the original check did not match the check presented. 

Since this time, Chase has refused to say if they will return the funds, and have said it is the responsibility of the depositing bank XXXX XXXX XXXX XXXXXXXX ) to return the funds. After two months I still have no idea if I will ever get any of my funds back. 

Chase 's use of " stop payment '' is deceptive and offers no protection, as I placed a stop payment and they honored a fraudulent check with an altered payee and amount. I find this outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: SC

Complaint narrative:
Experian and XXXX are reporting negative accounts on my consumer report that is ruining my reputation. In accordance with the bible a good name is above all and they are ruining other companies good faith and trust in me. In orer to provide for the common adefens promote establish justice and insure domestic tranquility and secure the liverty and posterity I demand the account of XXXX XXXX XXXX  that is being reported by XXXX and Experian be removed immediately. This account was opened in XXXX of 2020 account number is XXXX and states a balance of XXXX is owed which is fraudulent.

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 2022-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm accordance with the Fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights.

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

15 U.S.C 1681 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 non-monetary relief
Consumer complaint received 2022-05-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-05-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-05-19 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: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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

15 USC 1681 section 604 A 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 for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: MA

Complaint narrative:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}

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 2022-05-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : US SM BUS ADMIN ODA XX/XX/XXXX 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 2022-05-19 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
As of XX/XX/2007 my credit was reported for a balance {$16000.00} I did not acquire for any one to report my credit without my consent according to the law 15 usc 1692g I DEMAND to dispute and validate all debts, or any portion thereof, the debt will be assumed to be valid by the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX  Potentially negative Date opened XX/XX/2019 Balance {$0.00} Status Open.

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 2022-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My father applied for a Navient loan in XXXX. He asked me to co-sign since his credit was destroyed by his lack of employment following XXXX XXXX XXXX I agreed to co-sign following the stipulation that I am removed from the account within XXXX year of payment. Fast forward to XXXX, I asked to be removed from the account due to the fact that I was purchasing a home and it was factored in the debt-to-income ratio. He was unable to do so because the account did not have XXXX consecutive months of on-time payments. We are now in XXXX and I applied for another mortgage. In addition, paid {$180.00} per month over the years to be eligible for removal from the account. Navient denied the request because the payments were not coming from his account. 

I am an XXXX XXXX member with a XXXX XXXX. I explained that I can not stop making the payments, and just solely leave it up to him since I am on the account. I must maintain my XXXX and career outlook by ensuring the payments are made. The account has had on-time payments since XX/XX/XXXX. This is well over the one-year requirement for a co-signer to be removed from the account. However, now Navient is stating that he has to make payments on his own without my assistance. I can not risk this due to my career and XXXX XXXX Navient should reconsider this policy. Especially for individuals in the service. Or, make this abundantly clear at the beginning of the cosigning process. I feel as if I am stuck in this financial situation until the loan is paid off or I am retired from service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: GA

Complaint narrative:
I have previously disputed the public record items on my consumer credit profile with the CRAs - XXXX, XXXX, and TransUnion. Each time, the said CRAs responded with the disputed items were CONFIRMED & VALIDATED by the ORIGINAL CREDITOR and or FURNISHER and items were said to belong to me. However, I contacted the US Bankruptcy Court XXXX XXXX of Georgia via AFFIDAVIT of TRUTH to confirm the same. The Clerk of Courts responded on XX/XX/2022 via written letter and stated the US Bankruptcy Court DOES NOT furnish or validate public records items with any of the CRAs. The letter went on to say that the CRAs pull data from the PACER system. The problem is that PACER DOES NOT PROVIDE complete personal identifiers, such as complete social security numbers, in its database to provide 100 % absolute onus and accurateness. The public record information pulled from PACER is not Metro-2 compliant and does contain the REQUIRED complete identifiers required FCRA stated guidelines. The public record items on my consumer report does not comply with FCRA section 611 ( 15 USC sec 1681I ) and the subject CRAs are in direct violation of the FCRA law. I want the public record items deleted immediately.

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 2022-05-19 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My ex-wife has been using my social security number without my consent or knowledge. Upon completing in-depth research, my Social Security Number had been utilized to check ( at least ) my credit scores on XX/XX/2022 and XX/XX/2022. I have documentation of these two dates, but my SSN may have been used for more than that, as my credit score dropped significantly through one of my lenders. I know this is illegal and want to follow the correct steps to remedy this situation ( fines, cybercrime, etc. ). Her actions have detrimentally impacted my credit score, my financial reputation, and have left me feeling vulnerable, exposed, and worried about the use of my social security number.

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 2022-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
There is a collection account listed from this company called the bureaus which is unknown I do not owe them XXXX this is inaccurate. I have disputed with receiving nothing back please help

Company response to consumer: Closed with explanation