vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continues to violate 18 USC section 1342 - fictitious name and address. I have complained to Experian regarding fictitious names and addresses present on my consumer report and I requested the fictitious name and address be deleted. Instead of doing so, Experian maintains the fictitious names and addresses in question on my consumer report without my consent. Also, Experian added a new fictitious name to my consumer report, adding to possible identity theft. Again, I want all fictitious names and addresses that I as the consumer did not give express consent to have on my consumer report to be deleted immediately. I also want all phone numbers deleted from my report that I as the consumer did not expressly provide to Experian. 15 USC 1681 Section 604 a section 2 states that a consumer reporting agency can not furnish an account without my express written consent ; under 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. I never consented to share any information with any non-affiliated parties, such as Experian. This is a clear violation of 15 U.S. Code 1666b - Timing of payments : ( a ) Time to make payments. This furnisher can be liable for willful noncompliance under ( 15 U.S. Code 1681n ). Experian never received any express written consent from me to furnish my consumer report with any timings of payments. I have sustained damages by Experian willfully report timing of payments negatively on my consumer report without Experian having firsthand knowledge nor having my express written consent to do so. Such damages include, but are not limited to, preventing me from obtaining credit cards and denied rental approvals. Anyone sharing my data without consent is committing Aggravated identity theft. All negative appearing items on my consumer report need to be deleted immediately. Experian also maintains the entity named XXXX XXXX XXXX on my consumer report when I have no contractual relationship with said entity. That entity needs to be deleted from my consumer report 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 explanation
Consumer complaint received 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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.

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 2023-10-12 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: CT

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Hello, I am in the process of purchasing my first home and my loan is contingent on the 3 collection accounts on my credit report not having any dispute Verbiage on the remarks. These collection accounts were disputed directly to the credit bureau over a year ago and all came back as verified, however the creditors or the credit bureau continue to put that these accounts are currently being disputed by the consumer which they are not. In an attempt to resolve this matter myself i called all 3 credit bureaus and explained the situation and they all stated they removed the dispute verbiage, however when my lender ran my credit again the dispute verbiage was still there. I then called all 3 credit bureaus again and was advised that this is being placed on my credit from the creditors when they report monthly. I call each individual creditor and they all apologized and stated they updated their records for reporting except for Fair Collections & Out, when i called them today on XX/XX/23 @ XXXX Pst I first spoke to XXXX XXXX XXXX who advised me that once the account is disputed, they always report it as disputed regardless which is highly illegal. I asked to speak to a manager in which XXXX XXXX got smart with me and refused to transfer me then i was magically disconnected. I then called back and spoke to collections XXXX XXXX XXXX who advised me XXXX XXXX was correct once account is disputed, they always report it as disputed to the credit bureau. This practice is a violation as you can not report that the consumer has an active dispute when you have no proof. this has not only costed me money it's causing me a decrease in my credit score as my lender has to repeatedly run a Hard mortgage inquiry to see if the dispute verbiage has been updated correctly or not in which is hasn't been. The credit bureaus and creditors are playing a blame game and me the consumer is paying for it. I am in the process of getting my own legal counsel to assist in resolving these issues, but I was advised by a friend to file a complaint with CFPB since I am getting the run around from the credit bureau.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
I began researching forgiveness options through XXXX once XXXX of my loans reached XXXX payments. I applied for forgiveness for those XXXX loans but during that process, I learned that if I had consolidated, I would have all XXXX of my loans forgiven with that same payment count. I did not learn this from my loan provider nor the student financial aid website. I learned this through XXXX. I did research and found out. This is actually true, but the information is not put out there. I attempted to consolidate all XXXX loans prior to the forgiveness going through on the XXXX loans, unfortunately my XXXX loans were forgiven before the consolidation was completed. Now I am left with XXXX loans that could have been forgiven in XXXX with all the others. They now still have XXXX years left on them. This is unfair because right now borrowers are constantly steered away from consolidating if they are on the XXXX program. We are told that our payment counts would start over and the student financial aid website even gives a huge disclaimer warning when consolidating. If XXXX XXXX misled, I would have forgiveness and no more paying student loans. This is very unfair. After reading the article posted by consumer finance, I realize I am in XXXX of many who are facing the same situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Im begging you plese remove this to the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: OK

Complaint narrative:
The following accounts must be deleted as they were opened without my consent. 

I have attached the ID THEFT reports for all of them. That is enough evidence proving they are not mine. 

They were opened without my physical signature. They were opened in a state I do not reside in. They were opened with an address I do not live at. 

Please delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house. 

XXXX - ACCOUNT NUMBER XXXX XXXX - ACCOUNT # : XXXX XXXX - ACCOUNT # : 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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
My XXXX XXXX Visa card was put on hold even though I have XXXX of credit limit left. Called to ask why and they told me that they needed to know how much I paid for my XXXX membership. I told them that is none of there business and they said they couldnt tell me why my account was on hold even though I provide all my personal info to prove it was me. This is the second time I have been put on hold unjustly. First time was my billing cycle would close and they would put a hold on my card for none payment before they even sent me a bill trying to make me pay online which was impossible because my account they didnt recognize when I tried. Filed a XXXX complaint and they gave me a {$100.00} credit. Now they are back at it again doing shady business practices and based o. Reviews that is there business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NM

Complaint narrative:
I have written or faxed four ( 4! ) times Elan Financial Services, operator of the XXXX credit card offered by Fidelity Brokerage about a disputed charge. This disputed charge was trans ref no XXXX, transacted XX/XX/2023 by a company identiied as XXXX XXXXXXXX for {$26.00}. Elan completely ignores these four communications with them. I will attach some of them

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 2023-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Klima, Peters & Daly, P.A.
State: CA

Complaint narrative:
In XX/XX/2023 I filed a XXXX XXXX XXXX, which included a garnishment collection. Due to federal law I'm entitled to receive funds back from XXXX days prior of the XXXX filing. After the discharge a representative from lawyers office made contact with Klima , Peters & Daly , P.A . and requested the funds. The Company/attorney from Klima, Peters & Daly . P. A. begin to not answer questions and became very allusive in communication. Upon receiving this information I tried to make contact and they again refuse to give me information about my account due to me 'having representation '. In XX/XX/2023 My lawyer again tried to communicate with Klima, Peters & Daly and talked directly to XXXX XXXX and was told a check would be cut and sent out immediately. The lawyer also advised that monies held by the sheriff office was sent directly back to my companies payroll. After communicating with my payroll and HR I was told that no money had been sent. in XXXX I again reached out to my lawyer and was told that they were having problems reaching XXXX XXXX. To this day XX/XX/2023 I have not received any payment and still getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request an investigation into potential fraudulent activities on my credit report. After reviewing my credit report, I noticed some inquiries that I do not recognize and believe to be fraudulent. 

See below : -- TransUnion -- XXXX XXXX XX/XX/XXXX -- XXXX -- XXXX - XX/XX/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 2023-10-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request an investigation into potential fraudulent activities on my credit report. After reviewing my credit report, I noticed some inquiries that I do not recognize and believe to be fraudulent. 

See below : -- XXXX -- XXXX XXXX XX/XX/XXXX -- Equifax -- XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: AZ

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15USC 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 a account without my written instruction 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 and purpose

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 2023-10-11 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: AZ

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX  has violated my rights 15USC 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 a account without my written instruction 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 and purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Inappropriately reporting fraudulent information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I didnt open theses accounts..!!

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I didnt open theses accounts..!!

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 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2023-10-11 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: CA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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