vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the information provided above is accurate and true to the best of my knowledge. I acknowledge that any false statements or omissions may result in legal consequences, including penalties for perjury as defined by the laws of the United States, whether conducted within or outside the country. Furthermore, I confirm my legal authorization to pursue this dispute under both federal and state legislation.I am aware that the inclusion of major factual errors or omissions constitutes a federal offense punishable under 18 U.S.C. 1001. Similarly, making false statements is prohibited by 18 USC 1621. It has come to my attention that certain items in my credit report are unrelated to any transactions I have personally conducted. I assert that someone or an organization has improperly utilized my personal identifying information without my consent to apply for goods, services, or financial resources.If you believe that I have indeed received the goods or services in question, I kindly request a senior official from your company to verify, under penalty of perjury, that I have indeed obtained them. It has been unlawful for these businesses to engage in aggressive inquiries and include unauthorized accounts on my credit report. These actions have caused significant stress and distress for which there is no justifiable reason. I want to emphasize that I did not authorize these accounts or the associated hard inquiries, as they do not belong to me. I implore you to thoroughly investigate this matter and promptly remove these erroneous entries from my credit report. These items are not showing from the other credit bureaus I implore you to please remove these items 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 2023-07-10 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: DC

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

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

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 The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: MI

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX  accounts name has violated my right. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 


15 U.S.C 1681 section 602 A. States I have the rights 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 2023-07-10 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: MI

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX  accounts name has violated my right. XXXX XXXX XXXX. XXXX  XXXX XXXX DBA XXXX XXXX. 


15 U.S.C 1681 section 602 A. States I have the rights 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: GREENSTATE CREDIT UNION
State: MD

Complaint narrative:
XXXX received from : GreenState Credit Union dated XX/XX/23. 
Report # XXXX Spoke with XXXX, XXXX XXXX on XX/XX/23. Accounts were not opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
As an XXXX XXXX XXXX in the XXXX XXXX, I obtained a VA loan through Carrington Mortgage. During thXXXX XXXX XXXX  I sought XXXX financial forebearance relief from Carrington Mortgage . I was under the impression that I received a forebearance but have now been told that I still had to make payments during the forebearance period. This was not told to me when I sought assistance from Carrington Mortgage. I have been deceived numerous times, and reported negatively to the XXXX major credit companies. Carrington customer service refuses to accept payments that Ive attempted to make, locked me out of the online payment system, and are now stating they intend to foreclose as they want all payments to be made and will not accept a payment less than the total amount due during the relief period. They have also added penalties and late fees and will not allow me to make ongoing mortgage payments. 

During XXXX  I underwent XXXX XXXX XXXX and almost died from XXXX XXXX. My wife and I also lost a mother and aunt during XXXX and my childhood home caught on fire and killed my brother. 

I have since been deemed 100 % XXXX and am at risk of losing my home due Carringtons deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: GA

Complaint narrative:
XXXX In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX, XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: GA

Complaint narrative:
XXXX In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX, XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent Acquisitions denies having any open account with me, yet debt collectors keep calling my spouse during his working hours trying to get hold of me. I tell him to give them my number but they are relentless. I called Resurgent and they deny any of this and gaslighted me over the phone as if I am imagining things. They then said call XXXX  at XXXX, whom XXXX referred me to XXXX XXXX XXXX at XXXX. I need this to stop or I am considering harassment small claims options. I was a homeless Veteran when the judge made his/her decision and I had a lawyer, but here we are. I paid the account and it is considered paid in full by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: CA

Complaint narrative:
Hello, I received a inquiry that I did not authorize from XXXX on XX/XX/29. I called her TransUnion to inquire about why I would get a random hard credit pull on my report. They told me to email the company so I emailed them but they did not respond. Please investigate and remove the credit inquiry. 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 2023-07-10 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: FL

Complaint narrative:
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 explanation
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: MD

Complaint narrative:
I dispute the inquiry on my credit report made by XXXX on XX/XX/2023. I have no recollection of authorizing this inquiry and believe it violates consumer protection laws. The Fair Credit Reporting Act ( FCRA ) guarantees accurate reporting of credit history. Please investigate this matter and provide documentation to validate the legitimacy of the inquiry. If you fail to do so within 30 days, I request its removal from my credit report. Kindly confirm receipt of this letter and update me on the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my consumer rights. Under 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( a ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on an account under an open and consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Independence Capital Recovery, LLC
State: CA

Complaint narrative:
XXXX XXXX denies having any open account with me, yet debt collectors keep calling my spouse during his working hours trying to get hold of me. I tell him to give them my number but they are relentless. I called XXXX and they deny any of this and gaslighted me over the phone as if I am imagining things. They then said call UHG at XXXX, whom XXXX referred me to Independence Capital LLC at XXXX. I need this to stop or I am considering harassment small claims options. I was a homeless Veteran when the judge made his/her decision and I had a lawyer, but here we are. I paid the account and it is considered paid in full by XXXX XXXX. 

They blamed XXXX for not closing the matter properly. XXXX denies this fact. See attached for incorrect data/information by Independence Capital LLC 's CSR

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Regional Management Corporation
State: NC

Complaint narrative:
regional finance pulled a copy of my credit report without my permission on or around XX/XX/XXXX, XXXX so i reported them to my state attorney general 's office. the north carolina department of justice. they failed to reply to the north carolina department of justice. i think that is kind of sad and bad on their part. they are not supposed to contact me anymore and have a cease and desist on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I do not have a contract with LVNV Funding LLC the debt collector does not have my express written consent or any permission to have my information, it is Identity theft LVNV Funding LLC does not have. my permission to contact me 18 USC 1028a states Knowing use without Lawful authority of Information of another person is a violation, copyright violation see attached, FDCPA state Federal Law 15 USC 1692c ( c ) states communication no consent was given to collect at all it is a violation of my right to privacy unauthorized use of my credit report card 15 USC 1602 ( p ) I did not I do not consent to this debt collection company having or using my Information without a permissible purpose 15 USC 1681b to collect on a debt see XXXX XXXX XXXX XXXX XXXX or substantiation of the alleged Debt the debt is alleged I have not been supplied proof of the debt under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo, 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

i am challenging the accuracy and integrity of the accounts as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: NJ

Complaint narrative:
I have sent numerous letters to Experian credit bureau to dispute inaccurate information on my credit report. The first letter was sent on XX/XX/XXXX, with my photo id, social security number, and proof of address. The most recent letter was sent on XX/XX/XXXX, and the bureau is not responding or updating any of the disputed information. Each time I sent a letter I waited 30 to 45 days before checking my bureau credit report. I do not understand why the credit bureau is refusing to process my request. I know there might be delays at times, and I even tried to give them the benefit of the doubt for that. There is still inaccurate information reporting on my report. I have included a copy of all of the letters I have sent to the credit bureau with this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am writing to formally dispute the validity of one collection account listed on my credit report, which were reported by JPMCB CARD ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in XXXX XXXX XXXX, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: MA

Complaint narrative:
While trying to enter the XXXX XXXX XXXX XXXX program, I was denied because of loans taken out, as I later discovered on my record, from XXXX. 
I was able to figure out these were from XXXX University. My year of XXXX is XXXX, so I know I didn't take these out. They are in default, and the agencies that held them last on record are no longer in business, and I can not contact them. 
While I eventually went to college myself, it was hard in XXXX to obtain a loan, and I believe this may be the reason. Despite keeping track of or credit, my credit has always been low, and I have not been able to purchase a house either, but the main thing for me is to get this cleared up ASAP. I have contacted the Department of Education on the matter, but after talking with XXXX about it, they suggested contacting you because there may be years of abuse of my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Fraud branch withdrawal first transaction Cash withdrawal {$3800.00}. On XXXX at XXXX #  XXXX teller XXXX XXXX XXXXXXXX XXXX XXXX  2nd transaction cash withdrawal {$2000.00}. On XXXX at XXXX #  XXXX teller XXXX XXXX XXXXXXXX XXXXXXXX XXXX  I have reported this to the Bank ( CITIBANK ) several times but Im not getting a clear answer.its been one month and a half These transactions were processed in XXXX  and I reside in 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