vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have XXXX dealing with this problem for over a year now. This reporting agency continues to report false information on my consumer report that I clearly do not have per the courthouse and XXXX XXXX. So I'm not understanding how you are still able to report information that does not exist. At this point this is FRAUD and you are past violation my rights and the LAW. I need this incorrect information that does not exist removed immediately. There is no way possible you can say the court or XXXX XXXX furnished you this information because I have proof in writing they didn't so stop defaming my character and delete these lies you report!!! See proof attached

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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies has violated my rights. XXXX Account number XXXX  XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have ben dealing with this problem for over a year now. This reporting agency continues to report false information on my consumer report that I clearly do not have per the courthouse and XXXX XXXX. So I'm not understanding how you are still able to report information that does not exist. At this point this is FRAUD and you are past violation my rights and the LAW. I need this incorrect information that does not exist removed immediately. There is no way possible you can say the court or XXXX XXXX furnished you this information because I have proof in writing they didn't so stop defaming my character and delete these lies you report!!! See proof attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX 4.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX 5.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX 8.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9.XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone open a checking and savings account at BMO Harris Bank in my name. They mailed me a debit card obviosuly without authorization. Its basically impossible to reach anyone on the phone without getting disconncected or sitting on hold for hours. Its truly unbelievable. They are not responding to emails. There is no BMO branch closer than 3 hours away and they keep recommending I go to the closest branch. Not possible. I made a police report which I emailed to XXXX. No response. No one will give me a direct phone number. And now my identify is stolen and THEY opened the account in my name with no verification??? Its the worst customer service I have EVER received.

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 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I called Sunrise Credit Service on XX/XX/2022 around XXXX XXXX  to inform them that there was a fraudulent collections account that has been place on my credit report by them. This has occurred multiple times in the past 6 months, by various credit services. I had called to alert them to this. The man on the other side of the phone said " I don't have time for games. We are a legitimate service. '' and was hung up on. I have filed a dispute with XXXX about this, where my credit report already has a fraud alert on it. The address that is tied to the account, which also has been on my credit report ( and removed 3+ times already ), does not even exist. It is located in another state as well. 

Additionally, because this account is fraudulent and does not have an associated address with it, I have received no paper correspondence. If I could speak to anyone meaningfully at Sunrise, I would refuse to give them any additional information for fear they will just adjust the information on their end and try to serve me this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: PA

Complaint narrative:
Good evening. The XXXX  XXXX XXXX account that appears on my credit profile at XXXX XXXX and transunuin  has be disputed several times since XX/XX/XXXX for inaccuracies, incompleteness and unverifiable information. Number XXXX this account was disputed in XX/XX/XXXX and by XX/XX/XXXX the notice of dispute was never entered which is to be entered within the thirty day timeframe required by fcra guidelines. For this account to be verified as accurate Im not Understanding how all three bureaus report different information about the SAME EXACT account. It seems to me as though this count can not be verified accurately and it is my right to have XXXX percent accurate complete and VERIFIABLE information on my report. I have attached proof of the discrepancies that each bureau is reporting, such as XXXX reports status updated XX/XX/XXXX where transunuin status updated XX/XX/XXXX and XXXX reports XX/XX/XXXX. How is this possible if all three claim to have investigated this account properly? Another example is the payment history on this verified as accurate account - transunuin shows no information for payment history where XXXX and XXXX report payment history but it doesnt match. ( XXXX shows ok for XX/XX/XXXX and XXXX shows charge off for XX/XX/XXXX ) if these bureaus all verified this account as accurate then shouldnt they all report the SAME information??

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 2022-10-24 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: PA

Complaint narrative:
Good evening. The XXXX  XXXX XXXX account that appears on my credit profile at XXXX Equifax and XXXX has be disputed several times since XX/XX/XXXX for inaccuracies, incompleteness and unverifiable information. Number XXXX this account was disputed in XX/XX/XXXX and by XX/XX/XXXX the notice of dispute was never entered which is to be entered within the thirty day timeframe required by fcra guidelines. For this account to be verified as accurate Im not Understanding how all three bureaus report different information about the SAME EXACT account. It seems to me as though this count can not be verified accurately and it is my right to have XXXX percent accurate complete and VERIFIABLE information on my report. I have attached proof of the discrepancies that each bureau is reporting, such as XXXX reports status updated XX/XX/XXXX where transunuin status updated XX/XX/XXXX and Equifax reports XX/XX/XXXX. How is this possible if all three claim to have investigated this account properly? Another example is the payment history on this verified as accurate account - transunuin shows no information for payment history where XXXX and Equifax report payment history but it doesnt match. ( Equifax shows ok for XX/XX/XXXX and XXXX shows charge off for XX/XX/XXXX ) if these bureaus all verified this account as accurate then shouldnt they all report the SAME information??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello. 

I've never lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX '. 
I'm living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ', and never moved to somewhere before. 
I changed the address several times but for some reason my address keep changing to that XXXX XXXX XXXX XXXX address. 
It happened more than 5 times. 
I already contacted Chase but they couldn't resolve that problem. 
Could you please prevent changing the address to XXXX XXXX XXXX? 
I really appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: RI

Complaint narrative:
A new credit inquiry has appeared on my credit report. A hard inquiry appeared on XX/XX/22 regarding XXXX Bank. I have not applied for a credit card or loan. I confirmed with XXXX that it was a fraud case as they closed down an application for a XXXX credit card.

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 2022-10-24 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: World Acceptance Corporation
State: TN

Complaint narrative:
I am submitting this complaint because this organization is reporting inaccurate unfair information on my consumer report. On XXXX I became aware that this company furnished an account on my consumer report that has never been verified. I also do not recognize this account and I was never notified by this company that they were attempting to collect a debt. I do not know were this debt came from and it may even be fraudulent. I never gave this company consent to have my private information. 15 USC 1692 Congressional findings and declaration of purpose states that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. My privacy has been violated because my information is being shared by 3rd party companies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: FL

Complaint narrative:
This is not a duplicate complaint, and this is complaint due to the new evidence. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to the credit bureau, and I got a letter from them in XX/XX/2022 stating, '' They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit Bureau verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; XXXX XXXX Bankruptcy XXXX on Experian Credit Report MUST BE REMOVED. 
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 neighbor, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my Experian Credit REPORT. Only Experian has reported this information on my credit history. 
I have included all supportive documents that I have mention above in my support.

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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to do a verification on the negative items on my credit report. 
They stated that everything was accurate. I did a thorough research myself and found that it is still inaccurate on my credit report. 

Account- XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Account- XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX in accordance with the fair credit reporting act each account above 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 an 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 2022-10-24 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: MA

Complaint narrative:
XXXX XXXX  was notified of disputes of account ending XXXX and never resolved the issues. Account need to be deleted as in contains inaccurate/fraudulent information for which XXXX has been made aware of over 30 days ago per Credit reporting agencies claim with my disputes with XXXX, Experian, XXXX. Regardless of my efforts to try to resolve the disputes with XXXX XXXX  as I advised XXXX that this is Fraudulent account XXXX continues to ignore my request and to report this on my credit which is causing me a great deal of damages to say the least. XXXX XXXX  is being negligent in follow consumer laws and FCRA laws.

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 2022-10-24 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: AZ

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. 

Equifax XXXX XXXX XXXX sent XX/XX/XXXX & XX/XX/XXXX Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/XXXX & XX/XX/XXXX Accounts : XXXX XXXX  XXXX XXXX XXXX ( Late Payment On Closed XXXX & Paid Off Account Only Shows On Equifax Report - Late Payment Forgiveness Letter Sent XX/XX/XXXX, XX/XX/XXXX - Inaccuracy ) XXXX XXXX XXXX ( Late Payments Only Shows On Equifax XXXX XXXX Report - Inaccuracy ) XXXX XXXX XXXX - {$1000.00} XXXX XXXX - {$820.00} XXXX - {$2100.00} XXXX XXXX  - {$3500.00} XXXX XXXX  - {$460.00} 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 2022-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have to used my comenity XXXX XXXX card in almost a year every fee months my card is being charged and assure fees are being added to purchases I did not make. I am opted to receive billing notifications but I havent reciprocated any of them and I keep getting late fees for purchases I did not make. Every month they double. I have called about this issue before and all the charges were disputed and I still had to pay a fee for something I did not use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
A new credit inquiry appeared on my credit report. A hard inquiry appeared on XX/XX/22 regarding XXXX XXXX. I have not applied for a credit card or a loan with this institution so I suspect it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: AES/PHEAA
State: AZ

Complaint narrative:
I contacted FedLoan servicing at the start of XX/XX/2022 to request a refund of payments I had made during the XXXX forbearance. FedLoan acknowledged that my request had been received and that I would receive my refund within 2 to 6 weeks.

Approx 2 weeks of that refund request, all of my loan information disappeared from my account on the FedLoan website. I contacted FedLoan on XX/XX/XXXX to understand why I could no longer see any information related to my loan on their website. I was informed by the agent on the phone that FedLoan no longer serviced my loan and that it had been transferred to another servicer. They said my request for a payment refund would have to be made through the new loan servicer. 

I immediately called the new loan servicer, XXXX. They said that my loan information had not actually transferred yet and could take up to 2 months to transfer and be in their system. They could not see any info related to me or my loan as it was not yet in their system. 

FedLoan servicing knowingly made a promise of a payment refund with a 2-6 week timeline and then immediately sought to transfer my loan away from themselves. They knowingly gave fraudulent information and made no effort to process my refund request. Money that is legally my right to be refunded is now unavailable.

Company response to consumer: Closed with explanation