vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NJ

Complaint narrative:
My father XXXX XXXX and I pay this loan, and are co-signers. Just recently AES filed a report to all my credit agencies saying Im delinquent after NO attempt to collect or communicate with us. Our balance says {$0.00}. We have called them repeatedly in the past because this keeps happening. When they did this last year, it affected my mortgage interest rate when I was buying a house. They have given us absurd excuses in the past. It has been going on for years. I am so fed up and demoralized. I dont understand why they report to agencies when our balance is {$0.00}, or why they cant explain it on the phone, or why they are serial offenders. It is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX : - XXXXXXXX XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance : XXXX, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX Inquired on XXXX XXXX, 2021, XXXX XXXX XXXX Inquired on XXXX XXXX, 2021, XXXX XXXX XXXX Inquired on XXXX XXXX, 2021

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 2023-03-14 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: MD

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX : - XXXXXXXX XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance : XXXX, XXXX XXXX XXXXXXXX XXXX : {$0.00}XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX Inquired on XXXX XXXX, 2021, XXXX XXXX XXXX Inquired on XXXX XXXX, 2021, XXXX XXXX XXXX Inquired on XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting ac XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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:
In accordance with the fair credit reporting act XXXX  Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-14 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  Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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:
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. 
Account name : XXXX XXXX Account Number : XXXX, Account name XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number XXXX XXXX, Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX, Account XXXX : XXXX  XXXX Account Number : XXXX, Account XXXX XXXX XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account XXXX : 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 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 2023-03-14 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:
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. 
Account name : XXXX XXXX Account Number : XXXX, Account name XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number XXXX XXXX, Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX, Account XXXX : XXXX  XXXX Account Number : XXXX, Account XXXX XXXX XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name : XXXX  XXXX Account XXXX : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
Paid off an auto loan on the XXXX of XXXX due to finding a buyer for my vehicle on the same day. Bank of Hawaii took a very long time sending the title. They did not send it until the XXXX or XXXX of XXXX. As of today XX/XX/2023 I have still not received the title. Bank of Hawaii representatives were not able to help me or send the original because they claimed that the title of the vehicle already has been sent. I had to figure out on my own that the original title may have been lost in the mail. No options have been given to me other than finding out once again on my own that a 'Lein release letter ' was the last option. This bank was incapable of helping me on that either!

Days turned into weeks, and weeks turned into months. Just completely ridiculous for something that is simple. Meanwhile I ( The seller ) and the buyer are subjected to DMV fines in the hundreds due to neglect from this bank. I WILL be suing this Bank on the side! 

How is it that a financial institution is so quick and effective to bill and charge their customers but when it comes to things like this they are either very slow or they come up with multiple excuses and processing times .... Not professional and there is no answer that they can give that would make it right, It would probably be another run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: MI

Complaint narrative:
This is XXXX XXXX and XXXX ma submitting this CFPB complaint to request to the Credit Reporting Agencies to remove the fraudulent accounts and information off of my Credit report. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included the FTC report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). I need you to please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2700.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00}. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to remove the disputed items that resulted due to identity theft. So please comply with the law.

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 2023-03-14 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: MI

Complaint narrative:
This is XXXX XXXX and XXXX ma submitting this CFPB complaint to request to the Credit Reporting Agencies to remove the fraudulent accounts and information off of my Credit report. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included the FTC report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). I need you to please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} US DEPARTMENT OF EDU ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00}. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to remove the disputed items that resulted due to identity theft. So please comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-14 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: MS

Complaint narrative:
Im accordance with the Fair Credit Reporting. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 also states a consumer reporting agency can not furnish an account without my written consent or instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States that 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 or to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: MS

Complaint narrative:
Im accordance with the Fair Credit Reporting. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written consent or instructions. 
15 U.S.C 1681c ( a ) ( 5 ) Section States that 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 or to any consumer reporting agency if the person knows or has a 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 explanation
Consumer complaint received 2023-03-14 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: NJ

Complaint narrative:
I am writing to inform you of unauthorized inquiries on my credit report that I would like removed. As per the Fair Credit Reporting Act ( FCRA ), unverified and unauthorized items must be removed from the credit report. Therefore, I request that you remove the following items from my credit report : XXXX account that shows closed on XX/XX/XXXX XXXX  XXXX XXXX that shows closed on XX/XX/XXXX Hard inquiry from XXXX XXXX XXXX Inquiry : XX/XX/XXXX Additionally, I noticed that Experian is reporting an incorrect address on my credit report. The address mentioned is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, but that is not my address. 

Furthermore, there are inquiries on my credit report that I did not authorize, such as : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX I request that you investigate these inquiries and remove them from my credit report as they were not authorized by me. 

I appreciate your prompt attention to this matter and look forward to your reply. 

Sincerely, 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 2023-03-14 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: AZ

Complaint narrative:
I contacted this company to dispute an item they are wrongly reporting on my credit report. They said they don't have to provide verification as they are the original creditor. But their info and address are on my credit report. I have two distinct problems with this company : 1. I don't recognize the item on my credit reports, to begin with. I am asking them to verify with competent evidence, bearing my signature, that the item is being reported accurately. I contacted them because THEY are the ones on my credit reports and it's THEIR address I see. So either this company is out of line and has directly violated the FCRA and FDCPA by not verifying this alleged account following a formal dispute, or they are reporting false and unverifiable information, also a direct violation of the FCRA and FDCPA. 

2. If they in fact feel they are not subject to the FCRA and the FDCPA, and do not need to provide verification that the alleged account is mine, then they need to remove this account from my credit reports because they have no business reporting an account that can not /will not be verified as mine with competent evidence bearing my signature verifying that I am contractually obligated to pay the alleged amount. 

Both of these issues represent a very serious error in their reporting and they are unwilling to do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief