vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 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: TX

Complaint narrative:
In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX Account # XXXX Amount {$610.00}, XXXX XXXX XXXX Account # XXXX Amount {$650.00}, XXXX XXXX XXXX Account # XXXX Amount {$210.00}, XXXX XXXX XXXX Account # XXXX Amount {$910.00}, XXXX XXXX XXXXXXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX Amount {$800.00}, XXXX XXXX XXXX Account # XXXX Amount {$490.00}, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX Amount {$48.00}, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. I demand the accounts listed below be removed because 15 U.S.C 1681 Section 602 A. States that 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. I did not give XXXX, XXXX or Equifax permission to furnish these accounts. 

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: CA

Complaint narrative:
I HAVE DISPUTED THIS FRADULENT ACCOUNT AND STILL THIS COMPANY HAS NOT REMOVED THIS FROM MY CREDIT REPORT. 
ON XX/XX/XXXX I RECIEVED A LETTER FROM TRANSUNION STATING THAT THE INQUIRY WAS REMOVED FOR THIS NEGATIVE ACCOUNT BUT THE ACCOUNT ITSELF IS STILL SHOWING UP. I HAVE ABSOLUTELY NO KNOWLEGE OF THE ACCOUNT LISTED. I HAVE ALSO ATTACHED A COPY OF MY POLICE REPORT. 

XXXX XXXX Balance {$3600.00} Balance Updated XX/XX/XXXX Credit limit {$3000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary No payments have been reported on this account. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$3600.00} Highest balance {$3600.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Dispute resolved reported by grantor Your statement- THIS COMPANY HAS REMOVED AN INQUIRY IN REGARD TO THIS ACCCOUNT BUT DID NOT REMOVE THE FRUADLENT ACCOUNT WHICH I HAVE A COPY OF ALSO ON FILE

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 2022-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
I have a debt of over XXXX XXXX on my credit report I have no knowledge of the reason as to Why this is on my account. I have called the number that is listed on the account the lady that answered not only cursed me and was rude ( which I have witnesses to ) but refused to give me any information as to why this charge is even there because I said I was not comfortable giving my social security number over the phone. She then hung up the phone and when i called back she would pick up and hang up happened multiple times and refused to let me speak to the person above her. I have NEVER been served a paper I have NEVER had anything explaining any information that I have requested on this matter. I am asking that this debt be removed from my account due to false information and the fact I have no knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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 — Investigation took more than 30 days
Company: Reliable Credit Association, Inc.
State: OR

Complaint narrative:
DISPUTE NUMBER XXXX IM DISPUTING AN INQUIERY, AND THERE HAS BEEN NO PROGRESS, YOUR RESPONSE IS THAT YOU WILL CHECK BACK WITH THEM AFTER 60 DAYS! I NEED MY CREDIT REPAIRED AND DISPUTES RESOLVED ASAP!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I received a declination notice for an account that someone other than myself attempted to open with Bank of America. The letter was received today, XX/XX/22. I had preferably received emails indicating that someone was trying to open an account about 2 weeks ago. I spoke with a bank of America representative at that time who said there were no accounts in my name. 

All efforts to reach bank of America, via phone and messaging, have not been successful. I spoke to one person who said since the request was declined to not worried about it. I have been unable to reach the fraud department by any of the several numbers I have been provided. 

I have never, nor has it ever been by intention to set up any form of business relationship with this company. 

This letter is in my name, was received at my home address and other correspondence uninitiated by me received at my email address.

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 2022-09-26 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: NY

Complaint narrative:
I filed a dispute with Experian regarding inaccurate information ( late payments on XXXX XXXXXXXX XXXX  and a Bankruptcy ) on my credit report. 15 U.S.C 1681 section 602A States I have the right to privacy. These incorrect items are not on XXXX or XXXX ONLY Experian is reporting false information on my report. 15 U.S.C. Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I requested they provide me with methods of verification they used to verify these false items. They keep saying verified without any proof. It's been well over 45 days and I haven't received any investigation results.

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 2022-09-26 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: MO

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) ; 15 U.S.C 1681, Congressional finding and statement of purpose the credit reporting agencies Transunion, XXXX and XXXX as all violated my right to privacy under section ( a ) ( 4 ) with no regard for fairness and impartiality. 

Per 15 U.S.C 6801 ( a ) Transunion, XXXX and XXXX violated the laws of Congress by not protecting the publication of my nonpublic personal information. These three agencies all have the obligation to respect the privacy of its consumer and to protect the security and confidentiality of my nonpublic personal information. These instances of negligence as caused harmed to my Family financial well-being. 

Based on 15 U.S.C 6802 ( b ), I will opt out of all financial institution no longer disclosing my nonpublic personal information to Transunion, XXXX and XXXX that are all nonaffiliated third parties. My financial institutions never disclosed this to me at any time 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 reporting agencies. 
I should have been given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties ; and given an explanation of how I can exercise my rights. 
If the reporting agencies does not intend to ensure my privacy, due to malfeasance. I have the right to seek remedy under 15 U.S.C 1681n, Civil liability for noncompliance.

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 2022-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: NC

Complaint narrative:
XXXX sent a debt from XX/XX/2020 to collections. I received no notice that they had not received payment. I received no notice that they were sending it to collections, and I received no notice that my credit score would be affected. They have violated the FDCPA twice ( statute of limitations and disclosure of debt ). 

The alleged debt is for {$100.00} owed on a device after I switched carriers. They informed me they would have reached out to me via email. The last email I have from them is from XX/XX/2020 for a cell spot booster return. XXXX has been unable to furnish any records showing they contacted me regarding the debt. 

I have spent nearly four hours on the phone with XXXX. They would not escalate me to a supervisor. I was hung up on twice. 

I have been messaging XXXX on XXXX. They will not furnish correspondence and refuse to put me in contact with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: Ascent Holding Co
State: PA

Complaint narrative:
I signed up to be the XXXX  for a loan, servicer XXXX XXXX XXXX ( on behalf of Ascent Funding ), for career training for the primary borrower. The primary borrower declared XXXX  this year prior to the first payment of the loan coming due. The account was listed as in default in XXXX of 2022 but when asked about this XXXX stated that this was an error, the loan was in fact NOT in default and the status returned to deferment. I received a notice dated XX/XX/2022 stating that since the primary borrowers XXXX  was XXXX I would now be solely responsible for the loan. It should be noted that this is the last correspondence I received from XXXX and any further contact has been initiated by me. I was aware that this was the case so I was logging in the check the status periodically in preparation of the first payments due date. I checked in early XXXX and saw that the balance was showing as {$0.00}. I called in to inquire as to why that is and was told that the lender had decided to discharge the loan. I was not given a chance to make payments per the agreement I signed ( all cosigner related documentation attached ). They have not given me the opportunity to fulfill my obligation to pay and have reported the account as charged off on my credit report unfairly. I contacted XXXX and requested they reopen the account, allow me to make the payments and remove the report from my credit report. They have refused to reopen the account and claim that the report is just. The survivability clause in the credit agreement states that the original agreement stands even in the event of primary borrowers bankruptcy making this report unfair as they stole my ability to make the required payments. XXXX has stated that it is Ascent 's policy to charge off the account in the event of primary borrower 's bankruptcy but this is not stated in any of the loan documents that I or the primary borrower signed. They have violated the initial agreement. Proof showing that the account was never in actual default attached despite their claims when I call in that the account was in default at one time

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have sent multiple loan modifications to this company. I have sent one on or around XX/XX/2022, another on or around XX/XX/2022, another on or around XX/XX/2022 and a final one to both the attorney and XXXX XXXX on XX/XX/2022. 

They are misrepresenting the information I am sending, stating it is an incomplete package, even though I have sent all documents they have requested of me. My loan modification has been delayed for over 60+ days.

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 2022-09-26 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: MO

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) ; 15 U.S.C 1681, Congressional finding and statement of purpose the credit reporting agencies XXXX, Equifax and XXXX as all violated my right to privacy under section ( a ) ( 4 ) with no regard for fairness and impartiality.

Per 15 U.S.C 6801 ( a ) XXXX, Equifax and XXXX violated the laws of Congress by not protecting the publication of my nonpublic personal information. These three agencies all have the obligation to respect the privacy of its consumer and to protect the security and confidentiality of my nonpublic personal information. These instances of negligence as caused harmed to my Family financial well-being.

Based on 15 U.S.C 6802 ( b ), I will opt out of all financial institution no longer disclosing my nonpublic personal information to XXXX, Equifax and XXXX that are all nonaffiliated third parties. My financial institutions never disclosed this to me at any time 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 reporting agencies. 
I should have been given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties ; and given an explanation of how I can exercise my rights. 
If the reporting agencies does not intend to ensure my privacy, due to malfeasance. I have the right to seek remedy under 15 U.S.C 1681n, Civil liability for noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: MO

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) ; 15 U.S.C 1681, Congressional finding and statement of purpose the credit reporting agencies XXXX, XXXX and Experian as all violated my right to privacy under section ( a ) ( 4 ) with no regard for fairness and impartiality. 

Per 15 U.S.C 6801 ( a ) XXXX, XXXX and Experian violated the laws of Congress by not protecting the publication of my nonpublic personal information. These three agencies all have the obligation to respect the privacy of its consumer and to protect the security and confidentiality of my nonpublic personal information. These instances of negligence as caused harmed to my Family financial well-being. 
Based on 15 U.S.C 6802 ( b ), I will opt out of all financial institution no longer disclosing my nonpublic personal information to XXXX, XXXX and Experian that are all nonaffiliated third parties. My financial institutions never disclosed this to me at any time 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 reporting agencies. 
I should have been given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties ; and given an explanation of how I can exercise my rights. 
If the reporting agencies does not intend to ensure my privacy, due to malfeasance. I have the right to seek remedy under 15 U.S.C 1681n, Civil liability for noncompliance.

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 2022-09-26 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: SC

Complaint narrative:
There is an open balance for the amount of {$1500.00}. That appeared in my Equifax account on today from XXXX XXXX XXXX XXXX. The account was opened XX/XX/2022 ( 4 mos ). The report has never appeared on my credit report. I am unware of the account and believe the account was reported in error. I tried disputing the issue with Equifax and where unable to access my account, or request a password reset. Equifax and XXXX continue to stall in updating my report and consistently place old outdated accounts back onto my account under different collection agencies or are placing accounts that are not associated with me in my report. I am requesting further investigation regarding the issue and are requesting the negative mark be removed asap. I believe unfair practices are being promoted by Equifax and XXXX XXXX and I believe I am a target based on my race and belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I received an unsolicited HOME DEPOT credit card in the mail. Unsure of exact date. 
It was already activated for use according to the instructions attached to the card and no phone number to call to activate the card. 
XX/XX/XXXX I made an initial purchase of {$100.00}. Received initial statement in XX/XX/XXXX. XXXX reflected purchases and credits from XX/XX/XXXX - XX/XX/XXXX which I didn't purchase or returned for credit. Total purchases listed was {$1300.00}. Total credits was {$650.00} New balance was {$650.00}, My purchase of {$100.00} made on XX/XX/XXXX was listed and I paid this on XX/XX/XXXX. On XX/XX/XXXX I cancelled the subject card and reported to XXXX XXXX. Received confirming letter from XXXX XXXX dated XX/XX/XXXX. Received letter from Customer Service dated XX/XX/XXXX informing me not to pay charges in questions. Received decision letter from XXXX XXXX dated XX/XX/XXXX that I am liable for the disputed charges. Called XXXX XXXX on XX/XX/XXXX and they informed me that once I accepted the card by using it, I am liable for the disputed charges. Received new statement on line reflecting a new balance of {$540.00}. The new statement also reflected a " No interest for 12 month payment requested on XX/XX/XXXX '' which I did not request. I swear on a stack of Bibles that I did not purchase the disputed charges. I hope you can help me. 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 2022-09-26 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 sent letters to XXXX, Experian and XXXX on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-09-26 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: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
From or around XXXX of 2020 I sent a letter to a collection agency ( Kirscenbaum & Phillips, XXXX XXXX, XXXX, NY XXXX ) rep discovery bank pertaining to an alleged debt of XXXX. My letter stated that I never owed Discovery nor anyone else {$1600.00}. I also requested for them to send me any viable evidence, with my signature and for them to verify the alleged debt. I also informed them that a printout of a bill or itemized document does not constitute verification as per FTC opinion letter from Attorney XXXX XXXX XXXX. 

On XX/XX/2020 I sent a follow up letter to the above collections due to the fact that they never validated the alleged debt which is in volation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 ( 8 ). 

From or around XXXX of 2020 I sent a letter to XXXX XXXX XXXX XXXX requesting for immediate cease and desist from all attempts to collect from this unknown debt. Too date they have totally disrespected all laws etc and still haven't verified nor validated the alleged debt.

Company response to consumer: Closed with explanation