vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED 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 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
fraud accounts on my report that i did not authorize

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 2023-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: A.C.S. Companies, Inc. I
State: KY

Complaint narrative:
I received an email from XXXX and the contact persons name is XXXX XXXX. He said I owed a debt to ACS Incorporation for {$800.00}. If I do not respond and pay within 24 hours, they will file a lawsuit at United States District Court XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX, United States Against my Name and SSN. 
They said they are in a Process to inform the Social Security Administration & major Credit Bureaus as well. 
Also that I will receive court summons at my door steps with the cost of the lawsuit around {$4200.00}. 
They said they would settle and let me pay {$400.00} today or bi weekly payments of {$200.00} until paid off and that once the full and final payment is received a receipt will be sent to me stating that my outstanding debt is paid in full with XXXX balance and i have no more debtors for the company and they will update the Major Credit Bureau.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-24 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: IN

Complaint narrative:
I have been sending documents into the credit reporting agencies to remove accounts that have come on my credit report due to fraud and identity theft. I have followed the FCRA. These documents are not being attached and sent to remove these accounts. 

The accounts are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX I am not getting copies of the verification process from the credit agencies per the FCRA. This is a clear violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors.

15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing.

15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : XXXX XXXXXXXX XXXX  - LAST 4 SS # XXXX XXXX XXXX - LAST 4 SS # XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.

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 2023-08-24 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: TN

Complaint narrative:
After reviewing my Consumer Reports and noticed that I had several late payments on accounts I've never been late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of there ability with complete accuracies. I have never been late for payments on accounts : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please investigate and provide proof by the provisions set forth in Consumer Protection Laws. That these payment were late. If proof can't be provided please update these late payments to Payed As Agreed Never Late.

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 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY

Complaint narrative:
XXXX XXXX charged my extremely high insurant rates so I canceled my XXXX Homeowners insurance. XXXX XXXX owed me a refund of {$8900.00}. They refused to deposit it into my USAA checking account and said they needed to send me a check, by-law! 10 days later I received the check. I did a mobile deposit into my checking account on XXXX XXXX USAA Banking is refusing to release {$6400.00} back to me. This money is needed in order to pay off the new insurance I had to acquire after I had to terminate XXXX  as my insurance holder. 
They are citing that I had prior returns as the reason why they will not release the money back to me however those mistakes were due to their banking errors and no fault of my own. 
I want the immediate release of my funds and I want USAA to reimburse me for late fees and interest that I am occurring as a result of the holding money that is rightfully mine. 
Since they are refusing to allow me to use my money I want sanctions and any negative action documented and reported against them as poor business practices. 
This is outrageous that they feel they can hold money that they took from me and had to return it to my by law and are now NOT allowing me to use my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Driveway Finance Corporation
State: NY

Complaint narrative:
Car loan was paid off on XX/XX/2023 and i have yet to receive a XXXX release letter from the company by which in accordance with Section XXXX of the New York Vehicle and Traffic Law specifically states : Upon the satisfaction of a security interest in a vehicle the XXXX holder shall immediately upon clearance of payment execute a release of his security interest in a manner prescribed by the commissioner and mail or deliver the release to the owner To avoid being subject to action by the Department, all regulated financial institutions financing motor vehicles sales shall release liens and deliver the XXXX release no later than XXXX business days after clearance of payment. 

Also i am owed a refund for overpayment but i keep being told it can take XXXX weeks which makes no sense as the agents i spoke with kept saying its backed up? What's backed up? Printing checks?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I am submitting this complaint to SAGESTREAM due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: AK

Complaint narrative:
My student loan that has been PAID IN FULL continues to be passed around. One company said they stopped servicing it and gave it to another. Another company said they had it for a short while and now don't know where it has gone. One company said they got it because it was in DEFAULT status, which is NOT ACCURATE. It was PAID IN FULL and I have documents showing it was paid in full. 

I am not sure how or why this inaccurate information continues to get passed around and continues to show up on my report, but it needs to stop PERMANENTLY! 

I have PAID MY DEBT IN FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: EdFinancial Services
State: KS

Complaint narrative:
I have a Parental Loan in my father 's name, but I make the payments and have been authorized on the account multiple times.On XX/XX/XXXX my loan balance was {$2200.00}, on that day I made a payment to Ed Financial in the amount of {$2200.00} which should have paid the loan in full. This is the only payment I have made since XXXX. In XXXX I got an email from Ed Financial saying my account had moved to their new billing service, my account number changed and I needed to create a new account in their new system. I didn't understand why I needed to create a new account when my account had been paid in full, but I logged in to the new account. the new account showed a balance of {$2200.00} with no payment history. I still had the ability to log into their old billing system with my previous account and saw that there was a payment received by Ed Financial in the amount of {$2200.00} dated XX/XX/XXXX. I have no account of a payment made on XX/XX/XXXX in my bank history. But my bank statement does show a payment made on XX/XX/XXXX. I called Ed Financial on XX/XX/XXXX to inquire about the payment and was told that it could take up to 6 weeks for the payment to post and to check back in two weeks. On XX/XX/XXXX I checked again and the payment has not posted. I emailed Ed Financial with the same inquiry and was told it could take 2-3 business days for a response. On XX/XX/XXXX I had not received an email response so I called again. Each time I call they ask me to put XXXX on the line for authorization even though the forms have been filled out multiple times to authorize me on the account. I was authorized and the agent put me on hold to research my account. I was on hold for XXXX minutes and then the call disconnected. I called again and was again asked to have XXXX authorize me to be able to speak to the agent even though I had been authorized less than XXXX hours earlier. XXXX was able to authorize my account and the agent again put me on hold. When she came back from the hold she said their system was not showing a payment and I could provide proof of payment and they would research it on their end. The process could take 45-90 days and in that time I would be expected to make regular payments. I provided the documentation I have, but with their system changing the date of my payment I can only imagine the response will be the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: CA

Complaint narrative:
I have sent dispute letters ( dated XX/XX/2023, XX/XX/2023, and XX/XX/2023 ) to investigate the validity of the account XXXX. They have all been delivered by certified mail. Experian has received my disputes for this account but continues to report inaccurate information ( credit report attached ) which is a violation of FCRA 623 ( a ) ( A ) ( B ) ( i ) ( ii ) AND have failed to mark the notice of dispute on my credit report after many chances to do so. This is a violation of FCRA Section 623 ( a ) ( 3 ) which is the duty of furnishers to provide notice of dispute. 

Tracking # XXXX ( XX/XX/2023 ) Experian received this on XX/XX/XXXX and sent me DISPUTE RESULTS for this account on XX/XX/2023 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 2023-08-24 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: TN

Complaint narrative:
Transunion has failed to properly investigate these accounts and to show proof Under FRCA 611 ( A ) ( 5 ) ( a ) Treatment of inaccurate or verifiable information If no account can be verified or reported accurately the items listed shall be deleted. Transunion also failed to disclose all documents and records about these accounts they have on file Under 15 U.S.C 1681g Under 15 U.S.C. 1681i all unverified accounts must be deleted quickly. For as these accounts are damaging my credit worthiness

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is a violation of 15 U.S. Code 1681 I can not get XXXX XXXX etc due 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 2023-08-24 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: AZ

Complaint narrative:
This is a violation of 15 U.S. Code 1681 I can not get XXXX XXXX etc due to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgence Legal Group, PC
State: CA

Complaint narrative:
Just received a notice stating legal actions would be taken, I called the company stating this was the first notice I received and had not gotten a payment plan option etc. was unable to communicate with the credit card company this was over XXXX and half years ago. Letter date XX/XX/23 received XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed these accounts with the bureaus on XX/XX/23 requesting verification and proof of validation for these accounts. I have not received any dispute results. 
These account have been inaccurately reporting with HIPAA violations, numerous inconsistencies within their reporting that I have provided from the reports, & one doesnt even have the name of the creditor attempting to collect & is outdated. 

Given the circumstances, I am allowing one more investigation before I take further action. 

Please supply a binding contract with my signature for all accounts attached. Failure to provide this will result in a deletion immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed these accounts with the bureaus on XX/XX/23 requesting verification and proof of validation for these accounts. I have not received any dispute results. 
These account have been inaccurately reporting with HIPAA violations, numerous inconsistencies within their reporting that I have provided from the reports, & one doesnt even have the name of the creditor attempting to collect & is outdated. 

Given the circumstances, I am allowing one more investigation before I take further action. 

Please supply a binding contract with my signature for all accounts attached. Failure to provide this will result in a deletion 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 non-monetary relief
Consumer complaint received 2023-08-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed these accounts with the bureaus on XX/XX/23 requesting verification and proof of validation for these accounts. I have not received any dispute results. 
These account have been inaccurately reporting with HIPAA violations, numerous inconsistencies within their reporting that I have provided from the reports, & one doesnt even have the name of the creditor attempting to collect & is outdated. 

Given the circumstances, I am allowing one more investigation before I take further action. 

Please supply a binding contract with my signature for all accounts attached. Failure to provide this will result in a deletion 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 2023-08-24 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: LendingPoint Holdings LLC
State: TX

Complaint narrative:
I have submitted several disputes with the credit bureaus to get removed late payments that have been put on my account. I have submitted proof of payments and now they have sent back that I am currently past due. This is so frustrating because they just took money out of my account two days ago and they have the audacity to say Im late on payments. They have no formal payment history or statements to provide to clients which is very shady from them.

Company response to consumer: Closed with explanation