vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 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: VA

Complaint narrative:
I reported an issue with Equifax on XX/XX/XXXX, one of the many issues is that EQUIFAX will send me a copy of my report but has yet to unfreeze my credit report online. This is the XXXX request. Each time I contact Equifax I am told it takes several months to lift the freeze. I removed the freeze on XX/XX/XXXX and still can not have my mortgage lender obtain my credit report. I have missed several opportunities to purchase a home because Equifax will not correct the issue on the system. It should not take XXXX  months to lift a credit freeze. I entered the dates I need but the credit report remains locked. Once the timeframe expires it resets back to freezing the credit report again. My compliant is to correct this and not keep sending paper reports as my lenders need access to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2023-06-29 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: Lendmark Financial Services
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: IN

Complaint narrative:
I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX 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 COLLECTION COMPANY NAME 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 Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
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 Experian, XXXX 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. Experian, XXXX and XXXX lack 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : 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 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was making a payment via XXXX from my checking account with US bank. For some reason an unknown persons number was on my list and I clicked that name by accident, but I did not complete transaction and tried to go back to correct it, instead XXXX, completed the transaction without my authorization and sent the money to an unknown person. I immediately called US bank and told a rep what had just happened. They said the money had already left my account, which made no sense bc I did not finish the transaction. They said I could open a claim and it would take 7 days to resolve. They reassured me it would be corrected. I waited a couple days til my XXXX XXXX went back down and called the bank again bc the money had still not been returned. They told me a completely different story this time but said the money would be back in my account by Monday. Monday came and still no money. I called again, this time they changed their story to the claim had been rejected and closed and there was not going to be any correction. I asked for the name of the person I spoke to earlier who said I would have the money back by Monday, because I know these calls are recorded and notes have to legally be made. I used to work in the banking compliance sector. They said they had no record of the calls. They kept changing the subject and making excuses and transferring me to other people and finally they just hung up on me. This is insane! I have never been treated so disrespectfully by this bank before and it was an error with their app. I never completed the transaction and it went to a recipient that should never have been in my list of recipients bc I didn't even know them. I am semi-retired and can not have the banks messing up my account and taking my money like this. They were unprofessional and unapologetic and had no desire to rectify this error that is clearly a glitch with their app.

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 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Securus J Holdings, LLC
State: WA

Complaint narrative:
XXXX XXXX OWNER OF " JPAY '' WORTH XXXX XXXX AND HIS " '' NO REFUND '' '' POLICY TO USE THE SITE TO SPEAK TO LOVED ONES AND WHEN THEY ARE RELEASED FROM INCARCERATION,, IT IS THEIVERY NOT TO REFUND,!!, WHO ALLOWED THIS?? IT HAS TO BE POLITICIANS!! ITS % UNCONSTITUTIONAL FOR PEOPLE OF POWER TO PROFIT FROM THEIR POSITION OF AUTHORITY AND WHO OWNS THESE 40 UNNAMED COMPANIES XXXX XXXX OVERSEES?? IT HAS TO BE POLITICIANS AND PEOPLE OF AUTHORITY!! LIKE I SAID, ,ITS % UNCONSTITUTIONAL FOR THESE PEOPLE OF POWER TO PROFIT USING THEIR POSITIONS OF CONGESS ETC.WE THA TAX PAYERS ALREDY PAY FOR EVERYTHING TO DO WITH JAILS AND PRISONS, UNLESS THEY PRIVATISED THEM FOR PROFIT WICH IS CORRUPT AND ABUSE OF AUTHORITY!!! CAUSE WHO RUNS THEM,,, A HINT,,, NOT THE PUBLIC PEOPLE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I m been trying to get incorrect information off my report that never give consent to reporting on. Plus all of the incorrect information are out of dates statue of limitations and the balance are wrong as well. The collection agency are not legally allowed to work in the state I live, plus I being charged more than once for the same bills of which are over 6-8 years old. Im a very XXXX person who been on XXXX for over 23 years. There is also wrong reporting of my personal health and insurance information and this wrongful reporting is costing me very stressful time unable to access insurance help caused of its miss reporting. Its causing my health care to fail and my family finances to suffer. Im really struggling to get through to the people who is involved in fixing these problems on m credit reports. One of the reporting agencies has been helpful they the proper charges for making my report accurate but has one still wrong. The show opened account that at also showing closed and the balances are wrong to. This information is not accurate because I never received any notification from the consumer reporting agency about the debit or doctor bill that they are reporting on. No verification has been provided to me yet my personal information is publicly known and accessible by any one. I can not get into my home without help. I have identity theft because of the reporting wrong information my XXXX  benefits have been stolen and the security system has failed because of the wrong information reported by these companies and agencies selling my data.

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 2023-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023 I applied for a business auto loan on XX/XX/2023 I received an email that I was approved in the email it advised me to give the company a call. 

I called in spoke with a representative who also agrees that I was approved minutes later she told me I had been denied because their 3rd party couldnt verify my current address.

I explained to her I could provide proof address she said no and sent me a denial email. I asked to speak to a supervisor she said one was not available and someone would call me back. 

I later received a call from XXXX saying the same thing but they couldnt provide me with the 3rd party who has access to my personal information I would like to know what 3rd party they are using. XXXX stated she would reach out to her manager and give me a call back later which I still have not heard anything back yet. 

I called back later that evening and I was told the 3rd party updates every 30 days and mine has not been updated since XXXX so it seem to me that is an error on the bank end not mine I would like to be given the option to provide proof of my residency so that I can proceed with my loan approval attached you will find the loan approval and the reason for loan denial this is wrong and I am asking for help. 

My address is current on my XXXX credit report which all customer service representatives I spoke with confirmed so I would like to know where they are getting their inaccurate information from. 

Thank you

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 2023-06-29 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: NY

Complaint narrative:
I have sent all 3 credit reporting agencies written disputes regarding XXXXXXXX XXXX account XXXX XXXXXXXX on the following dates XXXX XXXX XXXX and XXXX  This account was closed and charged off and reporting a balance of {$2000.00}. Despite the debt being sold to a law firm, XXXX has continued to report a balance on my credit report. This reporting is misleading and inaccurate, as the debt no longer belongs to XXXX, and they have no legal right to collect on it or report its status. The credit reporting agencies or XXXXXXXX XXXX  have not sent any proof that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: CA

Complaint narrative:
In XXXX, XXXX, XXXX and XXXX I repeatedly requested a payoff sheet and a statement from flagship credit acceptance. I have spoke to managers and staff alike and nobody can figure out why I can get the repo threat letter but no statements or any contracts that flagship received from XXXX. I wanted to confirm they had all of my documents and they refuse to produce all the documents they received from XXXX XXXX or even whatever ever documents are in my files. Nobody has been able to help me.

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 2023-06-29 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: GA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading specifically XXXX XXXX ( XXXX ) - ( XXXX ) XXXX and any non account holding hard inquiries. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on I want the incorrect information on my credit file be corrected immediately, and my rights not to be violated further.

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 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've attempted to contact Equifax asking for proof of this debt they say I owe and they continue to fail to provide proof as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: FL

Complaint narrative:
Key 2 Recovery calls incessantly every few months claiming that I have unpaid student loan debt to XXXX XXXX University of about {$3000.00}. I called XXXX XXXX University and confirmed that I have no outstanding debt and that they have never forwarded any of my information to Key 2 Recovery. I have informed Key 2 Recovery of this multiple times but still receive phone calls. They either have me confused with a different student of the same name, or are falsely claiming that I owe debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: National Credit Systems,Inc.
State: IL

Complaint narrative:
I do not have a contract with National Credit System, they did not provide me with the original contract as I requested. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: GA

Complaint narrative:
My name is XXXX XXXX. The following item shave inaccurate information. The last payment date is incorrect. Please remove this account for inaccuracy. Do not update the information, please delete it.

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 2023-06-29 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: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
The account is not mine and i never stayed at the apartments. I told them that they have commited Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

also this agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been
made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation