vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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: KS

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2023-07-18 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: NY

Complaint narrative:
These Consumer reporting agencies are reporting transactions or experiences between me and creditors making the reports but its stated in the law below consumer reports does not include transactions or experiences so I want all late payments removed from my report and and all closed accounts removed as soon as possible because they are currently giving me a hardship in my life.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; remove all closed accounts and any accounts that causes harm to my credit report now as onXX/XX/2023 this law below made by congress gives me as a consumer that right and protection from these consumer reporting agencies 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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:
These Consumer reporting agencies are reporting transactions or experiences between me and creditors making the reports but its stated in the law below consumer reports does not include transactions or experiences so I want all late payments removed from my report and and all closed accounts removed as soon as possible because they are currently giving me a hardship in my life.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; remove all closed accounts and any accounts that causes harm to my credit report now as on XX/XX/2023 this law below made by congress gives me as a consumer that right and protection from these consumer reporting agencies 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

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 non-monetary relief
Consumer complaint received 2023-07-18 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: GA

Complaint narrative:
I have a Sam 's Club Mastercard. I received an off and excepted. I had not really used the card. Within the last 8-12 I have utilized the card. My card is on auto pay and I couldnt understand how I was always over my limit. I called and was told I am being charged for a card protection plan. I never agreed to this charge. I called and told them to cancel this. I was just charged again. I contacted synchrony who issues the card. They said they couldnt do anything and I would need to contact this company. I feel this is some type of scam that they use. I have been paying this fee for I dont know how long and I want my money returned.

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 2023-07-18 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: TX

Complaint narrative:
Please see the attached documents to understand what had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I sent a message through the Webster Bank XXXX asking what I needed to do to close an account. They said just to transfer the money until it is XXXX and then send a message like I had to close it. I sent a message on XX/XX/XXXX to close the account as the balance was XXXX and the bank didnt do it. There was a recurring charge from an account that XXXX cant close and the bank paid it on XX/XX/XXXX and charged me an overdraft fee. I called them because this shouldnt have happened and they said to pay it and then call back. I requested a transfer from their own website that same day that I called which was XX/XX/XXXX to cover the charges. Then there was ANOTHER overdraft fee on XX/XX/XXXX. Again I called them because this account shouldve been closed and the money was already transferred. They told me they didnt see it and therefore, cant close my account. I again sent another transfer for {$35.00} to cover that second overdraft fee and today I called, asked the representative if she saw that my account was at XXXX and she said yes. So I asked her to close my account and she said I had to go to the center. I told her I live in Virginia and there is no banking center near here, only in New York and previous reps told me I could message or call. Then she said that my balance wasnt XXXX and that I still owed the {$35.00}. I asked to speak to the XXXX by the name of XXXX, who I had already spoken to on the XXXX and she refused. I cant close this account and they keep telling me different things and keep charging me for things when this account shouldve been closed already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sold my home XX/XX/2023. XX/XX/2023 Transunion, XXXX, and XXXX stated I closed my account and dropped points. The XXXX credit bureaus status changed to " settled for less '' and dropped my XXXX XXXX XXXX points on each bureau. I contacted the creditor XXXX Mortgage, they stated " We sent paperwork showing you paid your mortgage in full ''. I contacted The three credit bureaus and explained that I sold a house and I did not settle for less but Transunion said they can't do anything. XXXX said they will attach the document but that's it. XXXX said they cant do anything. My credit score keeps dropping.

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 2023-07-18 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: CA

Complaint narrative:
I check my credit report and saw these XXXX accounts being reported as late payments even if I always pay on time. I wanted these accounts to be investigated and delete the XXXX payment notice since I was not late and this is a violation of my rights. Below are the accounts appearing : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-18 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: KS

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-07-18 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: KS

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2023-07-18 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:
Please see the attached documents to understand what had happened.

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 2023-07-18 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 need to inform you I was the victim of identity theft. I'm disputing the account as it is opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

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 2023-07-18 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: WI

Complaint narrative:
I pulled my credit report and found that XXXX has been reporting a balance of {$510.00} on a charged off account updated on XX/XX/2023 to 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 2023-07-18 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: WI

Complaint narrative:
I pulled my credit report and found that XXXX has been reporting a balance of {$510.00} on a charged off account updated on XX/XX/2023 to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: WI

Complaint narrative:
I pulled my credit report and found that XXXX has been reporting a balance of {$510.00} on a charged off account updated on XX/XX/2023 to 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 2023-07-18 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: NH

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The account created with the XXXX XXXX services was fraud and it was reported to them, repeatedly over the last XXXX  years. 
. I submitted documentation, notarized letters and affidavits as they requested, as to verify that I did not apply for any loan. 
The loan was in my name on behalf of my daughter. Again, I never completed nor signed any application. 
I also inquired with my daughter and she submitted documents as well. 
XXXX XXXX servicing was supposed to remove this error from all public information, including my credit report, but they didn't. 
Many years later ( XXXX ) Social Security XXXX began paying funds from my XXXX check to XXXX lXXXX XXXX 
I notified Social security XXXX of this error, but they continued submitting payments to the XXXX XXXX XXXX account, this should never have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
Subject : Discharge of Debt Obligation and Request for Accounting XXXX Dear [ Debt Collection/Billing Department I have made 3 other attempts to settle this matter with ED Financials. I am writing to address the matter of the outstanding debt associated with my several accounts which I have been informed is owed to their company. Also, I am addressing the fact that ED Financials Services does not have a license to collect any debts in the state of Georgia. I must express my deep concern regarding the lack of a signed tri-lateral contract between myself, their corporation, and the relevant party mentioned in the contract, which is the Department of Education. 

Upon thorough review of my records and the applicable laws, I have determined that the absence of a valid, signed tri-lateral contract raises significant questions about the enforceability and legitimacy of the debt. Under the Uniform Commercial Code ( UCC ) and relevant Code of Federal Regulations ( CFR ), it is crucial for parties involved in a debt obligation to provide clear evidence of the existence and validity of a contract. 

Specifically, according to UCC Section 3-104, a negotiable instrument, such as the alleged debt in question, must meet certain requirements, including being a writing that contains an unconditional promise or order to pay a fixed amount of money. Without a valid, signed tri-lateral contract, it is difficult to establish the necessary unconditional promise or order required for the debt to be considered a negotiable instrument. 

Furthermore, under the CFR, specifically Title 12, Section 1026.17, which implements the Truth in Lending Act ( TILA ), creditors are required to provide consumers with written agreements that disclose the terms of the credit extended. The absence of a signed tri-lateral contract raises concerns about compliance with these regulations and the adequacy of the disclosure of terms related to the alleged debt. 

Based on these findings, I hereby request that they consider my debt obligation discharged and take immediate action to zero out all accounting related to the aforementioned debt. I expect that this discharge of debt will include, but not be limited to, the removal of any negative entries from my credit report and the cessation of any further collection efforts. This lender has no legal authority to collect and debt in the state of Georgia I kindly request that they provide written confirmation within 5 days from the date of this letter, acknowledging the discharge of the debt and the XXXX out of all accounting related to the debt. Please ensure that this confirmation explicitly states the removal of any negative credit reporting and the cessation of all collection activities. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: WI

Complaint narrative:
I received my credit report and on XX/XX/XXXX these accounts with amounts and balances XXXX XXXX  XXXX {$510.00} XXXX XXXX  {$510.00} XXXX XXXX XXXX ( XXXX XXXX {$530.00} not related to any transaction I have had. 
XXXX  XXXX ( collection ) {$540.00} not related to any transaction I have had. 
XXXX XXXX ( collection ) {$1000.00} not related to any transaction I have had. 
XXXX XXXX XXXX ( collection ) $ {$520.00} not related to any transaction I have had. 

XXXX, XXXX and Transunion have reported as recent as 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