vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is showing up on Equifax and XXXX twice reporting 149 to 180 days past due when the account shouldve been in deferment. I had filed for deferment for six months and while I was on deferment they were reporting payments as being missed. I had them backdate my deferment and the Representative did not backdate payment. 

So I have two XXXX XXXX that need to be updated or removed from Equifax and XXXX. They need to updated the account as current or just remove it since it's from XXXX They also sent me to collections with US Department of ED/XXXX while I was in deferment or I thought I was supposed to be per their agent over the phone. The collection account is showing twice on my XXXX report called US Department of EDXXXX and XXXXhat needs to be update or remove all together Thats what caused this issue I'm having. I also filed another six-month extension on my deferment And since the last one was backdated I did not need to backdate Second deferment of my payments. Next thing I know Im being sent to collections to the XXXX XXXX XXXX XXXX XXXX. I have worked with a company and gotten most of these taken off my report but there is one in 2 XXXX XXXX and one XXXX XXXX that was paid on time. All three accounts are closed however two of the accounts are showing 149 to 180 days past due that need to be removed. Since it was in for XXXX that information is incorrect and should be removed and updated with never late/current/closed account The date that this was closed was XX/XX/2016 for both accounts. For my XXXX and Equifax Report the exact same thing is happening however on XXXX and Equifax there is only one past due account. The bank fix the other one when I disputed the account. 

There's only 2 one accounts. 1 one of them says current and the other 1 one says 149 to 180 days past due. This is the one that was closed in XX/XX/2016. Since the account was in deferment and the payments were backdated there should be no missed payments. And the status of the account should say never late/current/closed account. I did a total total of 12 deferred payments and 10 of those were backdated. For XXXX neither account shows up on this report because I had them dispute it off and the bank removed them. I dont know why the bank hasnt removed all of them from all of my reports but every time I dispute the ones on XXXX and Equifax they tell me everything is correct now. However on XXXX there are two accounts that have the student loan company put two collection accounts on my XXXX report which needs to be update to current or just deleted all together its called US Department of EDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is showing up on XXXX and Experian twice reporting 149 to 180 days past due when the account shouldve been in deferment. I had filed for deferment for six months and while I was on deferment they were reporting payments as being missed. I had them backdate my deferment and the Representative did not backdate payment. 

So I have two XXXX XXXX  that need to be updated or removed from XXXX and Experian. They need to updated the account as current or just remove it since it's from XXXX. They also sent me to collections with US Department of EDXXXX while I was in deferment or I thought I was supposed to be per their agent over the phone. The collection account is showing twice on my Experian report called US Department of EDXXXX and that needs to be update or remove all together Thats what caused this issue I'm having. I also filed another six-month extension on my deferment And since the last one was backdated I did not need to backdate Second deferment of my payments. Next thing I know Im being sent to collections to the XXXX XXXX XXXX XXXX XXXX. I have worked with a company and gotten most of these taken off my report but there is one in 2 XXXX XXXX and one XXXX XXXX that was paid on time. All three accounts are closed however two of the accounts are showing 149 to 180 days past due that need to be removed. Since it was in for XXXX that information is incorrect and should be removed and updated with never late/current/closed account The date that this was closed was XX/XX/2016 for both accounts. For my Experian and XXXX Report the exact same thing is happening however on Experian and XXXX there is only one past due account. The bank fix the other one when I disputed the account. 

There's only 2 one accounts. 1 one of them says current and the other 1 one says 149 to 180 days past due. This is the one that was closed in XX/XX/2016. Since the account was in deferment and the payments were backdated there should be no missed payments. And the status of the account should say never late/current/closed account. I did a total total of 12 deferred payments and 10 of those were backdated. For Experian neither account shows up on this report because I had them dispute it off and the bank removed them. I dont know why the bank hasnt removed all of them from all of my reports but every time I dispute the ones on Experian and XXXX they tell me everything is correct now. However on Experian there are two accounts that have the student loan company put two collection accounts on my Experian report which needs to be update to current or just deleted all together its called US Department of EDXXXX

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 2022-07-10 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account, XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-10 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: AL

Complaint narrative:
XXXX continues to harass me and fraudulently report a {$12.00} loan I never applied for. I am again telling them to stop reporting this loan to my credit report. MY FATHER opened this account without my knowledge. He had access to my phone and previous email addresses. He has opened a few other accounts in my name and these companies had no problem investigating the matter and stopped reporting. XXXX is completely ignoring the police report that was filed verifying this crime against me but for some reason, XXXX insists on harassing me by reporting this erroneous information. PLEASE review the police report, call the police department for verification and go after XXXX XXXX for your {$12.00}! Delete this account now or I'll have to file a complaint with the XXXX and XXXX Attorney General.

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 2022-07-10 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:
the folowing accounts XXXX # XXXX {$1700.00}, XXXX  XXXX # XXXX {$3600.00}, XXXX  # XXXX {$700.00}, XXXX # XXXX {$1100.00}, XXXX # XXXX {$600.00}, XXXX  # XXXX {$33000.00}, XXXX # XXXX {$1000.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$1200.00} are all unauthorized items that were opened in my name fraudulently i have filed an ftc report and police report and sent to credit agency with no prpoer response i would like for these items to be removed immediately before further litigation action to be taking thank you

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 2022-07-10 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: FL

Complaint narrative:
ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED, XXXX XXXX  XXXX. Opened XXXX ( {$150.00} ) XXXX XXXX XXXX Opened XXXX ( {$670.00} )

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 2022-07-10 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-10 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and has a current police report on file with Chex Systems dated XX/XX/2022. The following Reported Information currently listed on my Chex Systems Consumer Report ID : XXXX is unauthorized, fraudulent and not my checking account : XXXX XXXX XXXX XXXX, Account # : XXXX, balance : {$11000.00} and XXXX XXXX XXXX XXXX, the following Inquiries Viewed By Others and Inquiries Viewed Only By You, is unauthorized, fraudulent and not my inquiries : XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX, XX/XX/2022

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 2022-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: OR

Complaint narrative:
My first call to Discover was on XX/XX/22, a couple of days after I noticed that my checking and savings account was frozen. Since then, I have called a total of XXXX times, 6 of those calls being over 3 hours. I have spent a collective 20 hours on hold since XX/XX/22. After 3 hours and 2 minutes, the line get disconnected. I have tried to reach out to Discover through phone, their app, and multiple social media pages but have not been able to talk to someone who can unfreeze my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I used chime for my checking account on Thursday XX/XX/XXXX I received my check direct deposit from the company I work for chime has suspended my account and they have kept my whole paycheck for the past four days since XX/XX/XXXX I have not been able to buy food gas paid my bills my cell phone has been disconnected I cant pay my car payment my car insurance I cant do anything for my family because they said they close my account for noncompliance I gave them the original email that I wanted to use and I signed up with in XXXX since XXXX theyve been continuously getting my checks direct apposite no problem on Thursday, XX/XX/XXXX they froze my funds and they have refused to give me any money they said it was for noncompliance they asked me to send my license front and back theyve asked me to send a bill at my house in my name and asked me to send the last four of my social I have called them 8 Times and beg them for a resolution Ive sent all the information required of me two times every time I called and talk to an agent they can tell that my account is suspended my account is locked and they tell me that they visibly see the information that I sent in everything I was asked for but they wont unlock my account how do you XXXX to them Im hungry I have to get back to work I dont know what to do they tell me they see my information there they dont know why a member of supports not taking care of and unlocking my account I didnt do anything wrong I wasnt overdrawn they asked me to verify my identity every time I call and I always verify my identity I give them my name I give them the last four of my social I gave them the last transactions I was able to use on my debit card and they still will not release my funds I am financially suffering right now I cant buy my kids anything to eat I cant pay my bill that was just disconnected I cant have gas to get to work on Monday I cant do anything Ive talked to multiple agents eight different times when I call Ive even talk to a supervisor I was told on multiple occasions I would get a call back within two hours nobodys ever called me back I need them to unlock my debit card and release my funds I dont know what to do its morally wrong and inhumane to do that to a person when they can visibly see Im complying and sending all the information they sent me to text messages telling me that my email was XXXX and then they sent me another email telling me that my email was XXXX explain to them I sent them the information from the email address I signed up with and that should be on file they keep sending me these emails that they create and I cant access. Im going to include all the screenshots from 10 different emails back-and-forth with time where I have complied and I sent my information twice I originally sent it when they first asked me to on Friday to XXXX then I sent it again and forwarded all the information again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: FL

Complaint narrative:
ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED, XXXX XXXX  XXXX. Opened XXXX ( {$150.00} ) XXXX XXXX XXXX Opened XXXX ( {$670.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My checking account was hacked into about XX/XX/2022. The bank closed the account after this occurred. The remaining balance was sent by a check to the hacker. I have contacted the at fault person. I haven't gotten my check for my money from the person or the bank.

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 2022-07-10 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
To whom this may concern, I received 3 diferent credit bureaus reports with intentions of trying to improve my credit and take care of my responsibilities and noticed a few accounts that are reporting different inaccuracies to each credit bureau. I want a little more explantion on how that is possible they are legally allowed to do such a thing. There were no acoount numbers provided on my reports to submit. 

Company # 1 MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX # 2 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX # 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX I also read something called the Fair Credit Reporting Act ( 15 U.S.C Sec. 1681i ( A ) ) where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I have made several attempts by reaching out to the 2 companys, but it was with no resolve. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
the folowing accounts XXXX # XXXX {$1700.00}, XXXX XXXXXXXX # XXXX {$3600.00}, XXXX # XXXX {$700.00}, XXXX # XXXX {$1100.00}, XXXX # XXXX {$600.00}, XXXX # XXXX {$33000.00}, XXXX # XXXX {$1000.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$1200.00} are all unauthorized items that were opened in my name fraudulently i have filed an ftc report and police report and sent to credit agency with no prpoer response i would like for these items to be removed immediately before further litigation action to be taking thank you

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 2022-07-10 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: TX

Complaint narrative:
the folowing accounts XXXX # XXXX {$1700.00}, XXXX XXXXXXXX # XXXX {$3600.00}, XXXX # XXXX {$700.00}, XXXX # XXXX {$1100.00}, XXXX # XXXX {$600.00}, XXXX # XXXX {$33000.00}, XXXX  # XXXX {$1000.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$1200.00} are all unauthorized items that were opened in my name fraudulently i have filed an ftc report and police report and sent to credit agency with no prpoer response i would like for these items to be removed immediately before further litigation action to be taking thank you

Company response to consumer: Closed with explanation