vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  Acct. # XXXX, Account Name : XXXX XXXXXXXX XXXX Acct. # XXXX, Account Name : XXXX XXXX Act. # XXXX, Account Name : XXXX XXXXXXXX XXXX Act. # XXXX, Account XXXX XXXX XXXXXXXX XXXX Act. # XXXX, Account Name : XXXX Act. # XXXX XXXX Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX. # XXXX, Account Name : XXXX XXXXXXXX XXXX  Act. # XXXX, Account Name : XXXX  Act. # XXXX, Account Name : XXXX XXXX # XXXX Act. # has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 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
Consumer complaint received 2024-05-08 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: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX Acct. # XXXX, Account Name : XXXX XXXX XXXX Acct. # XXXX, Account Name : XXXX XXXX Act. # XXXX, Account Name : XXXX XXXX XXXX Act. # XXXX, Account Name XXXX XXXX XXXX Act. # XXXX, Account Name : XXXX Act. # XXXX XXXX Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXXAct. # XXXX, Account Name : XXXX XXXX XXXX Act. # XXXX, Account Name : XXXX Act. # XXXX, Account Name : XXXX Act. # XXXX Act. # has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: NC

Complaint narrative:
My son got a message today stating that I was getting served papers. I didn't know what it was about, and we listened to the message. The person said that they are with the XXXX XXXX XXXX for XXXX XXXX, XXXX and they said that person with a birthday of XXXX was to be served in so many words. The person left a number and so I called it. The person that i spoke with was so rude and ugly about an account that I have no knowledge of. The message said that the XXXX XXXX  XXXX  has been trying to settle the balance and that they were on there way between XXXX and XXXX to serve papers to me, but I got no calls on my number, and I don't give out my son 's number at all, but they got in contact with him. She also said it was an account that was from XXXX, and i remember I also had a XXXX  XXXX credit card, but this was after XXXX. She was too busy popping her tongue and being rude. The person on the voicemail was only doing there job and said the number that needed to be called, It was like a game to the women who I spoke to. to figure out what was going on. Apparently, I am being sued for something I have no knowledge of. I filed a police report as well since I had no knowledge of someone having my information and getting an XXXX XXXX. They told me to call back if they arrive here at my home.

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 2024-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
Bank made a few mistakes in freezing my savings account caused a payment to landlord to bounce ... XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Mitchell D Bhlume and associates called my father and my brother on a medical debt for a hospital during a service date when I was out of the country. They denied to me telling my brother and father that they called regarding a collection but both of my relatives confirmed that they were trying to get in touch with me regarding a collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section XXXX681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I demand the removal of these incorrect addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. As well as the incorrect name : 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 2024-05-08 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
According to the family educational rights and privacy act ( FERPA ) states this federal law, which was enacted in 1974, protects the privacy of student education records. FERPA applies to public private elementary secondary and post school. 20 USC- 1232g ( b ). Also according to the FCRA 15 USC 1681 ( a ) accuracy and fairness of credit reporting ; 15USC 1681 ( b ) reasonable procedures 15 USC 1681 ( c ) no adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 15 USC 1681e- ( b ) accuracy reporting 5 USC 552a privacy act of 1974. So according to the laws these items shouldn't be on my credit report. All 3 credit bureaus are reporting this information on my credit report. As a consumer I have the right to privacy. Also as a consumer I have the right to opt out of these reporting agencies backed by 12 CFR 1016.7 states that a consumer may exercise the right to opt out at anytime. As a consumer I am opting out of these reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I moved into the XXXX apartment on XX/XX/XXXX, and moved out in XX/XX/XXXX. I was told I didn't have to pay the debt because of all the issues I was having. They never did any repairs after being told maintenance was coming to repair the issues. The following issues I was having are : The toilet was broken A crack in the window in my daughter 's room I had no stove for a month after moving in I had no heat during the winter tine After a month, I finally got a stove. When they came with the stove, I thought they were going to repair all the other issues, but they didn't. Because the window had a crack in it, bugs came in and my daughter was bitten. I called the office and went to the office on a daily about the problems. They kept telling me they would send maintenance. They never did. A storm came in and blew the entire window out. I called the office and they sent maintenance. I thought they were going to repair the window, but they didn't. They just put a piece of wood on the window, I stopped paying rent because they never fixed the issues. I told them I was going to move out. They told me not to worry about the debt because I wrote down all the problems I was having. Now I'm in another city and state and can't get another place because they put me in collections anyway. I called the office about the debt and they told me management was going to call. They never did. I called back to the office and the lady named XXXX told me to do what I got ta do, we can't help you. I was also told it's not their problem. They were very rude. Under federal law your landlord refuses to make the necessary repairs to make the property liveable, you are not to pay any rent. I need the XXXX Apartments removed from my credit immediately. 
This is the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I was contacted by this collection agency I informed them I don't think this debt is mine as I don't recall any of this. I asked them to verify the debt & also sent them a letter asking for a debt verification. Nothing from their part was received. All I'm asking is for the debt to be verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I had a direct deposit of {$400.00} I won from an online casino. Cash app failed my direct deposit and locked my card and wouldnt unlock it until I verified my address and then I would get my deposit they said. So that happened and then they told me while my card was locked they sent my deposit back to the originator which is not true because Ive been in contact the whole time and they even gave me tracking numbers. I asked cash app to send me tracking numbers and they closed my case saying they have no more information. This has been an ongoing back and fourth for 1 year alrwady

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The following names needs to be removed as they are inaccurate and incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX EXPERIAN XXXX XXXX The following " current addresses '' needs to be removed as it is inaccurate andincorrect XXXX XXXX XXXX XXXX XXXX, OH XXXX The following " previous addresses '' needs to be removed as it is inaccurate and incorrectXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, KY XXXX Experian XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MI XXXX The following " employer '' needs to beremoved as it is inaccurate and incorrect XXXX XXXX XXXX XXXX Date Updated : XX/XX/2023

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-08 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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Last month I received notification that my credit limit was decreased from Synchrony/Lowes. This month received noticed that they closed my account. I have an account in good standing. Payments made, credit limit not maxed out. Credit limit was {$1000.00} before they decreased to {$700.00}. They stated that they closed my account due to not having real estate, high balances on other accounts. I have a XXXX % payment history. I have been working on my credit to purchase a home and now this is going to set me back by my account being closed. I attempted to speak to them and they kept citing the reasons why my account was closed. Not understanding myself why an account could be closed with payments being made and had available credit on account and why they are citing reports from credit bureau as the reason they closed my account. My account is not in default and monthly payments are made. I have had this card for XXXX years and have not been a liability but suddenly I am.

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 2024-05-08 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: CA

Complaint narrative:
I looked at my credit report on XXXX XXXX and notice 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 the report relates. 
These accounts are listed below XXXXXXXX XXXX XXXXXXXX / XXXX Credit Card Open date is not reporting correctly, date last active, date of last payment is not correct, this account was never late, this account is not accurate. 
XXXX XXXX XXXX Creditor agree to delete this account after the last payment, this account is not accurate. 
XXXX XXXX XXXX. Creditor agree to delete this account after the las payment, this account is not 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 2024-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
THE LOAN SERVICER PUT ME ( UNVOLUNTARILY ) ONTO AN IMPOUND PROGRAM AFTER I INVOKED THE CARES ACT TO GO INTO FORBEARANCE. AFTER FORBEARANCE, THEY FORCED ME TO HAVE AN ESCROW ACCOUNT. 

THE ESCROW ACCOUNT CALCULATED THE PROPERTY TAXES WRONG. ALMOST DOUBLE. THEY CLAIMED TO HAVE MADE A PAYMENT IN XX/XX/year> TO THE XXXX XXXX XXXX TAX ASSESSOR ON MY BEHALF BUT UPON CONTACTING XXXX XXXX, THEY NEVER RECEIVED ANY PAYMENTS. 

ALL THE TIME, I HAVE BEEN PAYING MY PROPERTY TAXES ON MY OWN. I NOTIFIED THE LOAN SERVICER OF THIS MISTAKE AND THAT IT IS CAUSING ME UNDUE HARDSHIP BUT THEY DONT CARE. THEY HAVE NOT DONE ANYTHING DESPITE OVERCHARGING ME ALMOST DOUBLE ( MY TAXES ARE ROUGHLY XXXX EVERY SIX MONTH ; THEY ARE CHARGING XXXX EVERY SIX MONTHS ). 

THIS IS A BLATANT DISREGARD FOR ANY LENDING RULES. ALL THE PAYMENTS FROM XXXX XXXX XXXX FOR MY PROPERTY TAXES WERE MADE BY ME. NOT MY LOAN SERVICER.

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