vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FREEDOM FINANCIAL NETWORK
State: AZ

Complaint narrative:
Freedom Debt Relief has been deceiving from the the start. I signed up for their program on XX/XX/XXXX and have been doing everything they advise on their welcome packet and their client website. 
As a result of that, on XX/XX/XXXX I have been sued for 2 accounts and I have the following issues.

1 ) The company promised to negotiate settlements with creditors, but the service actually required the consumer settle their own debts. In this case, I have received a notice of default from one of the lawsuits, which basically means that they have done nothing. 
It misled its customers regarding the fees they charge. The company made consumers believe they only had to pay a fee when the debt got settled. The way it works, is that they send the first check for {$25.00} and they take all their fees after that. They do not disclose this on any of their documents. I found that out by looking at the ledger, I do see other fees that don't know what they are for. 
It misled its customers regarding the extent of its services. They tell you not to answer to the lawsuit or legal documents, instead, upload everything to their website as they pass the information to their partner network. There's a disconnect there, because they have done nothing and now I'm facing an affidavit of default where I have 10 days to respond. 

Also, Freedom Debt Relief has failed to notify its customers that some of the creditors hired to settle debts with had previously refused to negotiate to settle debts with third parties even when I called numerous times to get status on my case, no one knows anything and just tell me to call next week. 

This is my second complaint filed on CFPB regarding the listed above and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX EQUIFAX Unauthorized Inquiries ( CREDITORS ) Date Of Inquiry 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 XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/10 I was approached to sell a item on XXXX XXXX. We currently are struggling with XXXX XXXX Healthcare bills so I was anxious to sell. I stated I accepted payment on XXXX, and they requested 3x to use XXXX I looked into it and felt safe because my bank offered it as a way to send money. I set it up and received an email that had BMO Harris and XXXX on it. I had the person interested in the purchase accuse me of trying to get additional funds and stated he was to send XXXX to me. 
I said no, just send what is needed. Then I get an email stating I needed to proove the account was activated by sendind XXXX to the seller. Thus that would finish the transaction. I sent XXXX because I said that is all that was due back. In the meantime... I never got my money. But the scammer still had an active email chat with me and when I asked, I was told I still needed to send the XXXX and he was going to complain to XXXX that I was fraud. So I sent XXXX dollars. I immediately get a second mail sail the transaction did not go through and to send {$350.00}. I immediately called the bank who said they could not get the transaction reversed. So I reported through XXXX nothing. I tried the bank again who said the transaction was processed through XXXX XXXX  and XXXX refused to give the refund saying I approved the transaction. I knew it didn't feel right. But again, I am selling items to make some money and felt it was safe if I was doing the transaction with my 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 2022-04-24 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: ERC
State: AL

Complaint narrative:
Enhanced Recovery Company at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount {$51.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: CT

Complaint narrative:
In accordance with the fair credit reporting act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 u.s.c 1681 section 602 states I have a right to privacy.

15 u.s.c 1681 section 604 A section 2 its also says consumer reporting agencies can not furnish account without my written instruction.

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 2022-04-24 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the fair credit reporting act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 u.s.c 1681 section 602 states I have a right to privacy.

15 u.s.c 1681 section 604 A section 2 its also says consumer reporting agencies can not furnish account without my written instruction.

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 2022-04-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Accounts # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, 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 2022-04-24 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account numbers XXXX, and 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 2022-04-24 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: IA

Complaint narrative:
On XX/XX/XXXX, I contacted Experian about the following negative accounts ; XXXX XXXX  ( Date XXXX XX/XX/XXXX, Credit Limit {$1500.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$800.00} XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX XXXX XXXXXXXX ( XXXX, Date Opened XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, Date Opened XX/XX/XXXX, Original Balance {$15000.00} ), XXXX XXXX XXXX ( XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} ), XXXX XXXX XXXX ( XXXX XXXX Date Opened XX/XX/XXXX, Original Balance {$2000.00} ), XXXX XXXX XXXX ( XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) . Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/2017 Portfolio Recovery Associates , LLC, opened a collection. 

Account # : XXXX {$610.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written any consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS ARE CLOSED AND REPORTING AS DEROGATORY ON MY CREDIT REPORT. THEY ARE NOT LIABLE TO ME AND I WOULD LIKE TO HAVE THEM REMOVED.

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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: NY

Complaint narrative:
The thirdy party Nelnet has an account open in my name that does not belongs to me I continue to dispute these 12 account that is under nelnet but the credit bureau will not removed these account that are 17years old and counting. Every year Nelnet keep reopening the account I stead of being closed and removed. Under code15us 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: MD

Complaint narrative:
Equifax Credit Reporting I have attempted twice to fix credit reporting in regards to a XXXX loan with XXXX. I have two consolidated XXXX loans which remains in good standing and was in forbearance status due to the COVID19 pandemic. Equifax continues to show the account as negative with an open balance of - ( negative ) - {$21000.00}. Equifax is showing the account as an installment with an available balance in a negative balance which directly affects my credit score. Equifax is showing the XXXX loan balance as {$37000.00}. This is incorrect. I have 2 consolidated loans with XXXX listed below : Consolidated Loan {$36000.00} in Forbearance Status from XX/XX/XXXX - XX/XX/XXXX Consolidated Loan {$21.00}, XXXX in Forbearance Status from XX/XX/XXXX - XX/XX/XXXX. My total XXXX  loan repayment is {$57000.00}. Repayment to begin on XX/XX/XXXX with monthly payments of {$290.00}. 
I began making regular payments after the forbearance as of XX/XX/XXXX. I have attempted twice to fix the issue with XXXX and also mailed, faxed, and submitted a dispute via the www.equifax.com website. I have not been able to obtain a resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/2017 Portfolio Recovery Associates , LLC, opened a collection. 

Account # : XXXX {$350.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written any consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
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 2022-04-24 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: Oliver Adjustment Co.
State: AL

Complaint narrative:
Oliver adjustment company at XXXX XXXX XXXX XXXX, WI XXXX has been sending me collection notice in {$530.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: IA

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts ; XXXX XXXX ( Date Opened XX/XX/XXXX, Credit Limit {$1500.00} ) , XXXX XXXXXXXX ( Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) XXXX XXXX XXXX XXXXXXXX : ( XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$800.00} ) , XXXX XXXX XXXX ( XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) XXXX XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Original Balance {$15000.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Original Balance {$2000.00} ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX, Original Balance {$2000.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) . Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: MS

Complaint narrative:
Please investigate the following claims versus me of which I've contested the reporter 's privilege to do so and launched challenges of the evidence supporting their claim of reportability! The information I suspect is in deviation from reporting requirements include but likely is not limited to the following so please require removal or evidence of reporting adequacy : XXXX XXXX  Account # XXXX Reporter making unverified accusations of injurious derogatoriness and or allegations of delinquencies elsewise does so without satisfying their requisite criteria to have even utilized the PRIVILEGE to report and further failed to substantiate claim 's report-ability upon my rightful challenges to demonstrate confirmed certifiably compliant reporting processes and practices such as provable absolute adherence to the mandates of reporting laws and standards including but not limited to that of the XXXX, FCRA, ECOA, applicable state regulatory requirements and or even that of the mandatorily utilized Metro2 Data-filled field formatted reporting standards. Per XXXX 'S own XXXX manual, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' alleged, thereby bringing into question reality of reporter 's actual obeyance of laws. Federal reporting regulatory requirements include a minimal compliance of reporting to a degree no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. YET, the reporter still reports deficiently despite my notifications of such and calls for them to vet their own processes and practices and abiding by the very standards deliberately designed to aid adequacy in lawful reporting. 

I can only assume the reporter was willfully noncompliant in their injurious unfair reporting or at best recklessly negligent in ignorance or purposeful disregard of consumer rights much less it's own reporting requisites to satisfy the very conditional criteria for their obviously assumed privilege to report. 
I request you to force the deviant reporting bodies involved to cease reporting at least until data alleged is certifiably compliant to mandates or else eradicate the allegations in permanence altogether!

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 2022-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS ARE CLOSED AND REPORTING AS DEROGATORY ON MY CREDIT REPORT. THEY ARE NOT LIABLE TO ME AND I WOULD LIKE TO HAVE THEM REMOVED.

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 2022-04-24 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS ARE CLOSED AND REPORTING AS DEROGATORY ON MY CREDIT REPORT. THEY ARE NOT LIABLE TO ME AND I WOULD LIKE TO HAVE THEM REMOVED.

Company response to consumer: Closed with explanation