vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 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: OH

Complaint narrative:
According to the Fair Credit Reporting Act FCRA credit reporting agencies are required to accurately report credit information and be in compliance with E_Oscar platform protocol. All three major credit agencies ( Transunion, XXXX, and XXXX ) have reported inaccurate information on the accounts listed below : These inaccurate accounts must be deleted to be in compliance with the FCRA Account 1 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 2 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 3 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 4 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 5 : US DEPT ED XXXX XX/XX/XXXX {$3100.00} Account 6 : US DEPT ED XXXX XX/XX/XXXX {$5600.00} Account 7 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 8 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 9 : US DEPT ED XXXX XX/XX/XXXX {$3000.00} Account 10 : US DEPT ED XXXX XX/XX/XXXX {$1900.00} Account XXXX1 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 12 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 13 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 14 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 15 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 16 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 17 : US DEPT ED XXXX XX/XX/XXXX {$11000.00} Account 18 : US DEPT ED XXXX XX/XX/XXXX {$6400.00} Account 19 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 20 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 21 XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$84.00} Account 22 : XXXX XXXX  XXXX XX/XX/XXXX {$820.00} There are items such as various date opened, last reported, date last active, and date of last payment that is incorrect and inconsistent for the same accounts across all 3 credit bureaus. All of these accounts must be deleted from my credit report because it violates the FCRA and is not in compliance.

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 2022-06-06 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: OH

Complaint narrative:
According to the Fair Credit Reporting Act FCRA credit reporting agencies are required to accurately report credit information and be in compliance with E_Oscar platform protocol. All three major credit agencies ( XXXX, Experian, and XXXX ) have reported inaccurate information on the accounts listed below : These inaccurate accounts must be deleted to be in compliance with the FCRA Account 1 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 2 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 3 : DPT ED/XXXX XXXX XX/XX/XXXX {$0.00} Account 4 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 5 : US DEPT ED XXXX XX/XX/XXXX {$3100.00} Account 6 : US DEPT ED XXXX XX/XX/XXXX {$5600.00} Account 7 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 8 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 9 : US DEPT ED XXXX XX/XX/XXXX {$3000.00} Account 10 : US DEPT ED XXXX XX/XX/XXXX {$1900.00} Account 11 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 12 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 13 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 14 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 15 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 16 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 17 : US DEPT ED XXXX XX/XX/XXXX {$11000.00} Account 18 : US DEPT ED XXXX XX/XX/XXXX {$6400.00} Account 19 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 20 : DPT ED/NAVI XXXX XX/XX/XXXX {$0.00} Account 21 : XXXX XXXXXXXX XXXX XX/XX/XXXX {$84.00} Account 22 : XXXX XXXX  XXXX XX/XX/XXXX {$820.00} There are items such as various date opened, last reported, date last active, and date of last payment that is incorrect and inconsistent for the same accounts across all 3 credit bureaus. All of these accounts must be deleted from my credit report because it violates the FCRA and is not in compliance.

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 2022-06-06 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: 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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
It took place XXXX XXXX they began taking steps too secure they systems and commended a comprehensive investigation into incident. Then through the investigation on XXXX XXXX they determined certain documents stored within XXXX XXXX have been copied from or viewed on the system by an unauthorized person between XXXX XXXX and XXXX XXXX. They sent the letter because during the investigation determined that certain information related to me was present on the affected data. It included my son social birth date and medical records and contact information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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:
on. for 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 ONLINE INFORMATION SERVI : OPENED XXXX XXXX, XXXX OPEN BALANCE {$310.00} ORIGINAL CREDITOR NAME XXXX XXXX XXXX XXXX 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. 

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 any reasons.

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 2022-06-06 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: IL

Complaint narrative:
HAD MY WALLET STOLEN BACK IN 2020. BEEN HAVING PROBLEMS WITH PPL APPLYING FOR CREDIT IN MY NAME EVER SINCE.

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 2022-06-06 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:
In accordance with the Fair Credit Reporting act XXXX the below accounts, 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 Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Untitled { XXXX } XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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:
In accordance with the Fair Credit Reporting act XXXX the below accounts, 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 Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Untitled { XXXX } XXXX XXXX. XXXXXXXX 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 2022-06-06 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: OR

Complaint narrative:
Just like what happend with XXXX ( complaint XXXX ), when I checked my Equifax account on XX/XX/XXXX, I found that someone - the same person that perpetrated the fraud at XXXX - had used the same technique to get access to my credit report account at Equifax. All they had to do was register for a new account and then used my basic information, and it ripped my account from me and handed the account over to the fraudster without having to use my password. 

This type of unauthorized use of a person 's credit account is quite easy through both XXXX and Equifax 's website and the onus is on the person being impacted by the illegal activity to keep track of their account and NOT have XXXXEquifax hand it over to a fraudster. 

The attachment shows XXXX- which is NOT my email address. And the agent was able to tell me the person 's phone number, ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: IL

Complaint narrative:
HAD MY WALLET STOLEN BACK IN 2020. BEEN HAVING PROBLEMS WITH PPL APPLYING FOR CREDIT IN MY NAME EVER SINCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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: IL

Complaint narrative:
HAD MY WALLET STOLEN BACK IN 2020. BEEN HAVING PROBLEMS WITH PPL APPLYING FOR CREDIT IN MY NAME EVER SINCE.

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 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Got the XXXX credit card from Comenity Capital Bank A month ago. I try to pay my bill as they get posted. I do this with my other cards without issue. It takes at least XXXX tries to log into my account. It keeps saying : The information you entered does not match our records. Please try again. 
Ok fine. I click on reset password. I fill out the form with requested information and get : The information you entered does not match our records. Please try again. 
Ok These people can't code. Clicked on Register for Online Access. Enter information again : The information you entered does not match our records. Please confirm your information is accurate and try again. 
Information is from the paper bill. 
Each time I have tried the common tricks, clear cache, cookies use different browsers and in incognito mode. All is the same. 
They have it but won't let me in. I try to message them, but that leads me to the same useless sign-in page. 
This is leading me to believe that : A, they have programmers that need to be fired. No way you are loosing my information this quickly B. They have infrastructure that is not up to the task.

C. This is a ploy to make people via paper billing or to disallow people from paying their bill earlier. This way they can accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I have reached out to This debt collection agency regarding a debt that is not mine, i asked then to verify the debt with simple information, they failed to provide the information i requested in the debt validation letter i requested for these items listed below ; Date of Original Charge or Delinquency : ______________________________________________________________________ Was this Debt assigned to a Debt Collector or Purchased? 
______________________________________________________________________ Amount Paid if Debt was Purchased : ______________________________________________________________________ Commission for debt collector if collection efforts are successful : ______________________________________________________________________ REQUESTED INFORMATION Please attach copies of the following : Agreement with your client that grants Genesis Credit Management 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 judgments been obtained by any creditor regarding this account?

YES- NO Please provide the name and address of the bonding agent for Columbia debt recovery in case legal action becomes necessary : they failed to provide the information requested in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
1. On XX/XX/XXXX I contacted Selene Finance, LP and requested a copy of the second XXXX Escrow Analysis which alleged to have been completed in XX/XX/XXXX. Representatives with the company stated that there was not an escrow analysis completed after XX/XX/XXXX, but that they were in process and I would receive it when completed. 
2.More than 30 days have transpired and As of XX/XX/XXXX I have still not received an escrow analysis redone from Selene Finance LP/XXXX  XXXX 
3. Escrow for Tax and Insurance related to property and casualty is an annual requirement, but Selene Finance LP/XXXX XXXX has been calculating the monthly installment spread over 36 months, in contravention to regulated requirements on Escrow of Insurance and Taxes which fluctuate 12 month cycle, not a three year cycle. This process would artificially inflate a payment and drag it out over a longer period, which in turn would be fraudulently added to a consecutive year 's projection, after a new annual escrow analysis is performed. Selene Finance has not performed an accurate escrow analysis for the 12 months XX/XX/XXXX through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The company has placed a negative credit report stating I did not pay a bill when this bill was added on to account that had a XXXX balance. I called the XXXX XXXX and a representative stated that XXXX XXXX would take care of this. It has not been taken care and this bill is not due until XX/XX/2022 so I could I be delinquent? 


COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022

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 2022-06-06 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: GA

Complaint narrative:
On XX/XX/22 I sent a letter to Experian requesting that they remove an unauthorized inquiry on my consumer report. On XX/XX/22 I received the certified mail return receipt proof of delivery that my letter was received by Experian.

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 2022-06-06 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:
on. for 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 ONLINE INFORMATION SERVI : OPENED XXXX XXXX, XXXX  OPEN BALANCE {$310.00} ORIGINAL CREDITOR NAME XXXX XXXX XXXX XXXX 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.

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 any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: MI

Complaint narrative:
on. for 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 ONLINE INFORMATION SERVI : OPENED XXXX XXXX, 2021 OPEN BALANCE {$310.00} ORIGINAL CREDITOR NAME XXXX XXXX XXXX XXXX 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.

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 any reasons.

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