vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-31 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: FL

Complaint narrative:
Hello, I recently checked my credit reports an noticed several credit inquiries that I did not authorize made by the following companies : XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 This institution said I need to contact these companies and they all said I have to contact the credit reporting agency. So both are blaming the other. 

These inquiries are in violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have submitted an identity theft report to the FTC and have attached it below along with my identification info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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:
XXXX XXXX XXXX. XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX Opened XX/XX/XXXX Open balance {$150.00} High credit is lower than balance, delete for inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX Opened XX/XX/XXXX Open balance {$150.00} High credit is lower than balance, delete for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: PA

Complaint narrative:
I was viewing my consumer report and noticed accounts, names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer 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 2022-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Savings account opened. Monthly fee {$15.00}, waived if I have {$20000.00}. I deposited {$20000.00} within a matter of days after account opening, but still charged a fee. Very fraudulent marketing!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
On XX/XX/2022, Charter communications claim that the account became delinquent, and on XX/XX/2022, the account was sent to a collection agency with an owed balance of {$1500.00}. I advised them that this is not my account. They claim it is mine because payments were made. They harassed me with phone calls three or more times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Service Finance COMPANY FILE A ILLIGLE XXXX ON MY PRAVITE PROPRTY WHILE WAS ASKING FOR VALIDATION AND AFTER I USED 15 USC 1635 RESCIND ING MY SIGNATURE WHICH IS ALSO MY PRIVITE PROPERTYOF ALLGEGED DEPT BREAKING 15 USC 1691, NEVER VALIDATED THE DEPT SENT ME A PRINT OUT FROM THEIR COMPANY AND NOT Leaguer BALANCE 15 U.S. CODE 1666d Treatment of credit balances, they disclosed my information to15 USC 1681 Section 602 States I have the right to Privacy.15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX a third party without my consent 15 USC code 15 6802

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: IL

Complaint narrative:
I asked the credit bureau to do a verification and investigation of the validity of this debt and they said they did however I am claiming inaccuracies and false reporting. In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

15 U.S.C 1681 Section 602 A. states a consumer reporting agency can not furnish an account without my written instructions - 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 2022-08-01 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: AL

Complaint narrative:
Experian : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXXXX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXXXXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. Experian XXXX XX/XX/XXXX XXXX : 1. XXXX Bank. XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXXXXXX XXXX XX/XX/XXXX XXXX : 1. XXXXXXXX XXXX XXXXXX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX Bank XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 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: TX

Complaint narrative:
I sent a letter on XX/XX/2022 to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 and 15 USC 6802 ; I have the right to privacy and no financial institution is not supposed to share my information to third party people. 
These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 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: FL

Complaint narrative:
Hello, I recently checked my credit reports an noticed several credit inquiries that I did not authorize made by the following companies : Fraudulent Inquiries XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX This institution said I need to contact these companies and they all said I have to contact the credit reporting agency. So both are blaming the other. 

These inquiries are in violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have submitted an identity theft report to the FTC and have attached it below along with my identification info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
On XX/XX/2021, this account was sent to a collection agency for the amount of {$93.00}. This is not my debt. I wasn't aware of this debt until after I decided to see a new Dr .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: GSF MORTGAGE CORP
State: MI

Complaint narrative:
When Covid19 Started the company that I worked for had shut down for a few months and my girlfriend and I also both ended up with XXXX. After being off work for a couple months I called the mortgage company ( GSF Mortgage at the time ) and asked if there was anything I could do because I was going to fall behind. They informed me of a government sponsored assistance program and I could skip three months payments and they would be added to the back end of my loan with no effect to my credit. They then began reporting my payments late immediately and then, sold my loan to XXXX XXXX company. GSF found the error, reached out to me and corrected the issue. They never did however pass the forbearance info onto the new lender. XXXX then offered another forbearance program, made a signed agreement with me and then, proceeded to report every mortgage payment since then late. I have made many calls, sent letters, begged for calls back .... nothing. no response at all other than to leave me messages multiple times that everything was reported accurate and on time. Clearly with zero investigation. When I speak to the account reps on the phone. They tell me they can see I have made every payment as agreed and on time. However, my credit reports have been reporting me as 180 days late and in foreclosure for months. I signed a new agreement with them six months ago and they still haven't updated their system which continues to send me foreclosure letters and robo dialer calls. My payment amount has changed and each month I make a payment I have to explain to the representative how to find my correct amount. I have made every payment on time, I am not in foreclosure, I have not been late and the reps tell me the screen shows on time the entire time I have been with them. This is humiliating, It has destroyed my credit, I cant even get a loan for a car, I have no car. They could care less about my concern, wont correct it, wont call me back, wont look into it. They need to correct this now! I am owed an apology and compensation for what they put me through for over a year and absolutely destroying my credit, personal, life, and ability to work and get to work. They need to correct my credit file, apologize, and waive the balance of my mortgage for what they have done to me. ALL MY PAYMENTS WERE PAID AS AGREED!!! This is fraud!! Please help me clear this up so I can get back to what my life wad before XXXX ruined it. 

GSF Still wont communicate with the new lender and inform them of the previous agreement recently was told XXXX is about to sell my loan again so, The next company probably wont know what going on either My information in the computer system needs to be updated ... .ITS BEEN SIX MONTHS. 

ITS BEEN A YEAR THEYVE BOTH BEEN DESTROYING MY LIFE AND CREDIT. THIS IS FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
When Covid19 Started the company that I worked for had shut down for a few months and my girlfriend and I also both ended up with XXXX. After being off work for a couple months I called the mortgage company ( XXXX XXXX at the time ) and asked if there was anything I could do because I was going to fall behind. They informed me of a government sponsored assistance program and I could skip three months payments and they would be added to the back end of my loan with no effect to my credit. They then began reporting my payments late immediately and then, sold my loan to XXXX XXXX company. XXXX found the error, reached out to me and corrected the issue. They never did however pass the forbearance info onto the new lender. XXXX then offered another forbearance program, made a signed agreement with me and then, proceeded to report every mortgage payment since then late. I have made many calls, sent letters, begged for calls back .... nothing. no response at all other than to leave me messages multiple times that everything was reported accurate and on time. Clearly with zero investigation. When I speak to the account reps on the phone. They tell me they can see I have made every payment as agreed and on time. However, my credit reports have been reporting me as 180 days late and in foreclosure for months. I signed a new agreement with them six months ago and they still haven't updated their system which continues to send me foreclosure letters and robo dialer calls. My payment amount has changed and each month I make a payment I have to explain to the representative how to find my correct amount. I have made every payment on time, I am not in foreclosure, I have not been late and the reps tell me the screen shows on time the entire time I have been with them. This is humiliating, It has destroyed my credit, I cant even get a loan for a car, I have no car. They could care less about my concern, wont correct it, wont call me back, wont look into it. They need to correct this now! I am owed an apology and compensation for what they put me through for over a year and absolutely destroying my credit, personal, life, and ability to work and get to work. They need to correct my credit file, apologize, and waive the balance of my mortgage for what they have done to me. ALL MY PAYMENTS WERE PAID AS AGREED!!! This is fraud!! Please help me clear this up so I can get back to what my life wad before XXXX ruined it. 

XXXX Still wont communicate with the new lender and inform them of the previous agreement recently was told XXXX is about to sell my loan again so, The next company probably wont know what going on either My information in the computer system needs to be updated ... .ITS BEEN SIX MONTHS. 

ITS BEEN A YEAR THEYVE BOTH BEEN DESTROYING MY LIFE AND CREDIT. THIS IS FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: IL

Complaint narrative:
I asked the credit bureau to do a verification and investigation of the validity of this debt and they said they did however I am claiming inaccuracies and false reporting. In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

15 U.S.C 1681 Section 602 A. states a consumer reporting agency can not furnish an account without my written instructions - 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 non-monetary relief
Consumer complaint received 2022-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
A XXXX account became deliquent on XX/XX/2016, with a balance forwarded to a collection in the amount of {$840.00}. I have contacted XXXX several times and asked them to remove this account from my credit file. They have threatened me numerous of times and told me they would ruin my credit if I didn't pay the bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, SXXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX # XXXX has Violated my rights.

15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A 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 2022-07-31 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:
According to The Fair credit Reporting Act 15 U.S.C. 1681. I have the right to privacy. Also according to 15 U.S.C. 6802 No financial institution is not suppose to share my information to share my information to third party people. 

These are clear violations of my federally protected consumer rights. Also i was looking over my credit report some address and some inquiries appear on my credit report that are inaccurate. Incorrrect names too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 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:
According to The Fair credit Reporting Act 15 U.S.C. 1681. I have the right to privacy. Also according to 15 U.S.C. 6802 No financial institution is not suppose to share my information to share my information to third party people. 

These are clear violations of my federally protected consumer rights. Also i was looking over my credit report some address and some inquiries appear on my credit report that are inaccurate. Incorrrect names too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: TX

Complaint narrative:
According to The Fair credit Reporting Act 15 U.S.C. 1681. I have the right to privacy. Also according to 15 U.S.C. 6802 No financial institution is not suppose to share my information to share my information to third party people. 

These are clear violations of my federally protected consumer rights. Also i was looking over my credit report some address and some inquiries appear on my credit report that are inaccurate. Incorrrect names too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 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: VA

Complaint narrative:
In accordance to the fair credit reporting act conversion has violated my rights based on 15 USA 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 section 2 states a consumer reporting agency can not publish reporting or anything of that nature without my permission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX.

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