vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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
Consumer complaint received 2023-07-21 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) like XXXX, Experian and XXXX have a responsibility to respect the privacy of consumers and only share their information with their consent. 

I am a consumer, and I have the right to make sure that my private information is not shared without my permission. 

The FCRA states that CRAs may only furnish consumer reports " in accordance with the written instructions of the consumer to whom it relates. '' ( 15 USC 1681b ( a ) ( 2 ) ). 

However, neither XXXX, Experian nor XXXX has my written consent to furnish my information. 

Therefore, I am revoking any and all consent that I have given to these CRAs, whether verbal, non-verbal, written, implied, or otherwise. 

The FCRA also states that financial institutions may not disclose nonpublic personal information to non-affiliated third parties unless the consumer is given an explanation of how to exercise their nondisclosure option. ( 15 USC 6802 ( b ) ( c ) ). 

However, the financial institution that furnished my information to XXXX, Experian and XXXX never informed me of my right to exercise this option. 

In addition, the FCRA prohibits CRAs from making consumer reports that contain " any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' ( 15 USC 1681c ( a ) ( 5 ) ). 

However, XXXX, Experian and XXXX are reporting an adverse item of information about me. 

This is a violation of the FCRA. 

Finally, the FCRA requires CRAs to maintain " reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' ( 15 USC 1681e ). 

However, XXXX, Experian and XXXX are not maintaining reasonable procedures. 

They are repeatedly furnishing my information without my consent, and they are furnishing information that is more than seven years old. 

This is a violation of the FCRA. 

I am opting out of XXXX, Experian and XXXX reporting services. 

I demand that they immediately remove my information from their databases and cease furnishing my information to any third parties.

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 2023-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: IL

Complaint narrative:
I received on XX/XX/2023 a debt collection letter from American Coradius International for a XXXX XXXX account which I have never opened. 

The initial 'debt ' was for {$66.00}, with American Coradius adding additional 'fees ' of {$230.00} for a total for {$290.00}. 

My information has been involved in several Data Privacy Leaks in the past, and because of this I have Frozen my credit for over 2+ years. I have never opened a XXXX  account, and after speaking with XXXX they informed me they are able to open new accounts with simply a First Name, Last Name and email address, and no verification. 

XXXX informed me that the account was tied to a XXXX address which is not mine. 

XXXX is enabling Fraud, and does not care how it impacts consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 
15USC 1681 Section 602 states that I have the right to privacy.

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

16 U.S. Code 1681a- Definitions, rules of construction Exclusion-Except as provided in paragraph the them " consumer report '' does not include-any report containing information solely as to transactions or experience between the consumer and the person making the report.

15USC 166B : A Creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: CA

Complaint narrative:
I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

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 explanation
Consumer complaint received 2023-07-21 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: CA

Complaint narrative:
Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX  XXXX Balance : {$0.00} & XXXX XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Account information showing as a Charge Off but I never received a 1099c and the company is still attempting to collect on the debt.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Account information showing as a Charge Off but I never received a 1099c and the company is still attempting to collect on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
Account information showing as a Charge Off but I never received a 1099c and the company is still attempting to collect on the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: Foursight Holding LLC
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I am currently a operating member of a XXXX  listed as personal guarantor for a Bank of America XXXX loan. The loan is listed as a personal joint loan on my personal credit file. I contacted BofA twice and they tell me that everything appears to be in order with my loan and that I must dispute with the credit agencies. The credit agencies ( all XXXX ) tell me the listing on my report is correct and that I need to work with BofA to rectify. I am not sure who should own this but its affecting my personal credit standing due to this XXXX loan.

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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
RE : Synchrony XXXX ending in XXXX. This bank had my mailing address wrong on my account resulting in no statement received. Specifically they listing my unit number as # XXXX when it is actually # XXXX. On XX/XX/XXXX I was charged a late fee of XXXX and on XX/XX/XXXX I was charged interest of XXXX. On XXXX I phoned the bank and spoke to XXXX. XXXX assured me that the fees would be reversed. At that time I made a phone payment to bring my balance to XXXX. On my next statement NO fees were reversed and instead I was charged another late fee of XXXX and interest of 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 monetary relief
Consumer complaint received 2023-07-21 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:
XXXX XXXX XX/XX/23 I do not recognize the inquiry

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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a payment of {$1500.00} by ACH from my account with XXXX  XXXX XXXX XXXX to my XXXX XXXX with Wells Fargo on XX/XX/XXXX, it was never posted, after 5 days I disputed it, Wells Fargo put another charge of {$1500.00} on my credit card, I have filed a complaint with Wells Fargo executive office and I have been to XXXX deferent branches talking to managers, no one is giving any solution or fix to the this issue. 
I am announcing this to be an organized fraud perpetrated by Wells Fargo as they have been doing in the past.

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 2023-07-21 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: Nelnet, Inc.
State: MI

Complaint narrative:
My student loan servicer, NelNet, is misapplying my payments to interest and not principal. I have made overpayments throughout the entire " Covid Forbearance '' period, yet my account shows that for 6 consecutive months they applied 100 % of my payment toward interest. I have called and emailed multiple times requesting they audit my account to correct the problem. On the phone, they acknowledge the apparent error and say they will refer my account for review. However, I have received zero response despite waiting months. I have also received zero response from my email inquiries. 

I need someone with the authority to force them to do a an audit of my account and correct the misapplication of payments to interest instead of principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I checked my credit report XX/XX/XXXX and notice there were hard inquiries on my credit report that I dont have permissible purpose to be on there these hard inquiries are hurting me from being approved recognize I have reach out to all credit bureaus in the fraud department and these items are still in my credit profile. My rights are now being violated under 15 usc 168 1b XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I checked my credit report XX/XX/XXXX and notice there were hard inquiries on my credit report that I dont have permissible purpose to be on there these hard inquiries are hurting me from being approved recognize I have reach out to all credit bureaus in the fraud department and these items are still in my credit profile. My rights are now being violated under 15 usc 168 1b XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-07-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 2023-07-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NE

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX my apartment was broken into and everything stolen including car, clothes, laptop, wallet and phone. I was XXXX  during this time and was only aware of money stolen frome XXXX  due to fact I was XXXX  during this time. I made the original police report on XX/XX/XXXX from inside the XXXX XXXX  with help from XXXX XXXX there. When I was released and able to access statements I saw cashapp had XXXX transactions as well during this time XXXX on XX/XX/XXXX to the amount of XXXX to an XXXX  XXXX whom I have never heard of nor do I know. I gave both XXXX  and cash app police report and contact info as well as statement from XXXX  confirming I was in XXXX  during that time. I did not give anyone password, phone code or permission to use any of my banking cards nor to take my money. All calls and correspondence from XXXX  are monitored and it is easily proven I did not authorize anybody. I have filed disputes and they have refunded the XXXX smaller transactions however refuse to refund the {$880.00} claiming no error occurred. I do not know who stole my things nor did I ask them to steal from me. Yesterday yet again claim was denied due to their claim it was completed by me while I was XXXX  and unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: NC

Complaint narrative:
I was given the amount that was to be paid when my XXXX  had the procedure done. I made sure to check/ask ahead of time what the payment would be so that I would know if I could afford it or not. Weeks after the procedure, they decided to send me another bill that was not quoted. I do not owe this. This is the second time this medical practice has tried to charge me for more than they initially quoted.

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