vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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:
I asked the credit bureau to do verification on everything on my credit report. They reply back to me stating that everything was accurate on my credit report. I did research myself and fought improper inaccuracies on my credit report after they did the investigation. 

XXXXXXXX XXXX XXXX : XXXX Never XXXX late XXXX XXXX : XXXX Never XXXX days late, High balance incorrect. 

XXXX XXXX Bank I have know knowledge of this account In Accordance With the fair credit reporting XXXX XXXX XXXX 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 1861 section 604A Section XXXX It also states a consumer Reporting agency Can not furnish A account without my written instruction.

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 2022-08-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is a " satisfied '' XXXX collection on my account and it's on two bureaus. 
They both have illegally re-aged it ( XXXX and Equifax ) and XXXX does not report it ( becuase it's erroneous ) Equifax reports positive payments on a paid collection which is not legal or possible. XXXX reports current date of last active status. This should not be on my report abd the bureaus continue to report incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-12 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account : 1. XXXX XXXX - The following account is not mine 2. XXXX XXXX XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information 3. XXXX  - The inquiry was not authorized 4. XXXX XXXX - Identity Theft 5. XXXX XXXX  XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit 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 2022-08-12 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

Name of Account : 1. XXXX XXXX - The following account is not mine 2. XXXX XXXX XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information 3. XX/XX/XXXX- The inquiry was not authorized 4. XX/XX/XXXXXXXX - Identity Theft 5. XXXX XX/XX/XXXXXXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to get open sky to correct a payment error for years by contacting the credit bureaus to dispute the incorrect information. Finally I got an attorney to call XXXX XXXX and I got a letter from them, but it still isn't corrected. They need to fix my credit report immediately. I have never had any late payments on any of my accounts and for years I have suffered this error by paying higher rates and being denied credit that I should have qualified for. Please see that they fix this mistake quickly. 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 non-monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to get XXXX XXXX to correct a payment error for years by contacting the credit bureaus to dispute the incorrect information. Finally I got an attorney to call XXXX XXXX and I got a letter from them, but it still isn't corrected. They need to fix my credit report immediately. I have never had any late payments on any of my accounts and for years I have suffered this error by paying higher rates and being denied credit that I should have qualified for. Please see that they fix this mistake quickly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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:
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 that a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXX Account # XXXX or XXXX Type Collection Agency/Attorney Balance {$780.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Type Collection Agency/Attorney Balance {$950.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXPhone : XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Type Collection Agency/Attorney Balance {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPhone : ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Type Collection Agency/Attorney Balance {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  Account # XXXX Type Collection Agency/Attorney Balance {$150.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXX XXXX XXXXXXXX Account # XXXX Type Collection Agency/Attorney Balance {$360.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/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 XXXXXXXX

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 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: DC

Complaint narrative:
I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections.

2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and DIVERSIFIED ADJUSTMENT SERVICE , INC . 

3 ) ALSO, DIVERSIFIED ADJUSTMENT SERVICES INC, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to DIVERSIFIED ADJUSTMENT SERVICES INC, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT ( XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding DIVERSIFIED ADJUSTMENT SERVICES INC, ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ), of the ( FDCPA ).

Any other communication going forward DIVERSIFIED ADJUSTMENT SERVICES INC, will be liable to me {$1000.00} each occurrence under 15 USC 1692k of the Civil Liability Section of the Fair Debt Collection Practices Act. 

Respectfully, Reference : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient encouraged me, as a borrower, to refinance multiple times rather than proceed with the income-driven repayment plan I had re-qualified for. 

Back in XXXX of 2021, after prequalifying for an income-driven repayment plan of $ XXXX for XXXX years and the remaining balance forgiven, Navient bombarded my email with notifications XXXX " Take Immediate Action '', " Congratulating '', and " Alerting '' me to complete the offer " before expiration ''. In my ignorance and anxiety caused by the urgency they were insinuating, I thought Navient was notifying me to begin my XXXX plan. However, after completing the process via the link they sent me multiple times, I was contacted by a representative with devasting news. Instead of encouraging me to move forward on the income-driven repayment plan I had looked into and prequalified for, Navient was actually urging me to move forward with refinancing my federal loan to a private loan that offers no income-driven repayment plan. Now, rather than the repayment plan of $ XXXX for XXXX years and the remaining balance forgiven, I am being told I owe $ XXXX for the next XXXX years. And because it's now a private loan I'm no longer eligible for any assistance based on my income. As a single mom of XXXX kids, this is completely unattainable. I've tried sharing my situation with various representatives and supervisors, I've even reached out to a lawyer and am being told my only option XXXX be to file bankruptcy! As someone with good credit and no other debts, this is both terrifying and completely unacceptable. 

Navient truly deceived and bullied me into believing I had to refinance. All I wanted to do was set up manageable payments to take care of my school loans, yet now I'm faced with this additional financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hi, I opened Citi XXXX savings account and deposited around XXXX. Out of that I transfered around XXXX later to my wife. Citi tagged is as fraud even though i called multiple times that this is a valid transaction.They blocked my account and XXXX in it. Now they wanted me to add my wife to the account to clear this. I said ok. They dont have a clear process and after multiple hourly calls of waiting and transfers they said you have to go to a bank near you. The nearest bank is XXXX hrs of flight. So this is not an option. I told them to close my account and return my money back. They said yes and we started the process we will refund you in 4-5 business days. Its 3 weeks now and multipole calls noone knows anything and they restarted the same closure process multiple times from scratch. I am running out of my money and had to take a heloc on my house to cover my expenses. I request your help to get my XXXX back from citi including interest and also a compensation to cover all the expenses I had to make to borrow the money from other bank. They are sitting on my money for no reason. Its been almost 2 months this is not going anywhere. I made atleast 25 calls and waited more than 30-40 mins each call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On Friday XX/XX/2022 I received an alert regarding my PNC Bank Savings Account in which a check was provided for payment in the amount of {$2000.00}. My savings account was over drafted due to this fraudulent activity. What is most concerning is that the check is coming from The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX and is made payable to XXXX XXXX. This check fraud because it has my savings account number on the bottom of the check. I have never in my 40 years of being a banking customer had checks under my savings account. This the 6th time that my bank account with PNC has been targeted for fraud. I have been informed numerous times that my accounts are on high fraud alert, and I just don't understand how this problem keeps happening with no consequences to these fraud thieves. I have taken all the necessary precautions to protect my credit and my bank accounts personally and the problem hasn't been solved. I am currently still waiting to get my money back from a previous dispute regarding a check that was cashed for {$2000.00} back in XX/XX/2022, and now this other fraudulent transaction happens again, and I am left with once again going through the dispute process and bank account changes. Your attention to details on this matter is crucial and needs to be properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX  XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 2022-08-12 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: OK

Complaint narrative:
I sent letters to dispute credit inquires that were unauthorized and they did not delete.

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