vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I requested XXXX, Transunion, and XXXX to verify the accuracy of these accounts : 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 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  However, they did not correct the errors and claimed that everything was complete and accurate. This is not possible because the open date, date of the last activity, and other information are incorrect. According to 15 USC 1681i ( 5 ), they are required to modify accounts that are not reporting correctly.

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 an 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.

Also, they are not following the Metro 2 credit reporting standards. I have evidence to support my claim.

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 2023-08-08 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: MI

Complaint narrative:
I requested XXXX, XXXX, and Equifax to verify the accuracy of these accounts : 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 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  However, they did not correct the errors and claimed that everything was complete and accurate. This is not possible because the open date, date of the last activity, and other information are incorrect. According to 15 USC 1681i ( 5 ), they are required to modify accounts that are not reporting correctly.

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 an 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.

Also, they are not following the Metro 2 credit reporting standards. I have evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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:
I have attached a report with fraudulent authorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: FL

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter a letter to the courthouse asking do they report bankruptcies to the credit reporting agencies and I received a letter stating They do not report any bankruptcies to anybody. So if that the case, how did the consumer reporting agencies verify my bankruptcy as 100 % Accurate. The never did a fair investigation according to the 15 U. S. Code 1681.

15 U. S. Code section 603 ( 3 ) ( E ) states : The term Investigative Consumer Report means a consumer report or portion thereof in which information on a consumers 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 consumers 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.

Also, they have violated my rights numerous times. The consumer reporting agencies have violated my rights under 15 U. S. Code 1681.

According to 15 U. S. Code 1681 section 602 A states I have the right to privacy. 15 U. S. Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, according to 15 U. S. Code 1681s-2 ( A ) ( 1 ) states 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter a letter to the courthouse asking do they report bankruptcies to the credit reporting agencies and I received a letter stating They do not report any bankruptcies to anybody. So if that the case, how did the consumer reporting agencies verify my bankruptcy as 100 % Accurate. The never did a fair investigation according to the 15 U. S. Code 1681.

15 U. S. Code section 603 ( 3 ) ( E ) states : The term Investigative Consumer Report means a consumer report or portion thereof in which information on a consumers 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 consumers 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.

Also, they have violated my rights numerous times. The consumer reporting agencies have violated my rights under 15 U. S. Code 1681.

According to 15 U. S. Code 1681 section 602 A states I have the right to privacy. 15 U. S. Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, according to 15 U. S. Code 1681s-2 ( A ) ( 1 ) states 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 2023-08-08 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: MI

Complaint narrative:
On XX/XX/2023 I have reached out the Experian, XXXX and XXXX about a bankruptcy reporting that do not supposed to be on there. With the bankruptcies showing it is causing me a hardship and will like monetary if its not removed immediately. Bankruptcy court stated they do not report to the credit bureaus which it needs to be removed, document is attached. Rule XXXX Privacy Protection for filing made with the court. 
I have previously disputed this item with you ( US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX MI XXXX ) and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit agencies for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting quirements do not comply with FCRA 611 ( 15 u.s.c. 1681 and the information must be deleted 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 2023-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: WI

Complaint narrative:
Contacted by 2 separate numbers : XXXX and XXXX multiple times now. Some of the times I did not answer. I first answered on XX/XX/XXXX and a female tried to ask for identifying information and tried to refuse to tell me where she was calling from. I threatened to hang up and eventually she told me she was calling from a supposed " Credit Corp ''. She pretended they had sent me a mailing as well prior to the call which did not happen. I told her I did not owe any debt, to stop calling, and hung up and blocked the number. I called both my bank and XXXX and verified that I do not have any outstanding debts not anything showing in collections. In fact my credit score is Excellent. 

Today I received a call and again after much pressing they said they were calling from Credit Corp. I reminded them I had told them not to contact me and she pretended it was the first time they had ever called. After again stating I did not owe anything and would be contacting the authorities they became hostile and asked who my lawyer was. I disconnected again and blocked the additional number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: PA

Complaint narrative:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT ; THOSE LISTED ACCOUNTS AREN'T MINE. Please block these informations from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

SINCERELY, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Hi, In XXXX I became unemployed and had XXXX. I filed bankruptcy and included my student loan balance in my debts. I was told it could not be discharged. 

I contacted Navient on several occasions, most recently last month to find out about any ways the loan could be discharged. 

I have been paying this loan since XXXX and presently am only paying interest on the original XXXX borrowed. It is on an income driven repayment plan. 

I recently found out that money borrowed beyond the cost of the tuition can be discharged in bankruptcy and I wanted to find out if I qualified for this at the time of my filing. 

I still owe XXXX on this loan. 

Thanks for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They have raised my interest rate to 31 % making it impossible to pay the card off and I recently called asking to waive a {$40.00} late charge as a ONE time courtesy and they refused stating because my account was closed. This courtesy is affording to other clients but I have been alienated due to my financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: CA

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. 

XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX # 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 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 non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
According to the Navient settlement, I should be filing this complaint I believe. I had a bunch of Navient loans, and I filed bankruptcy in XXXX. I was advised I could not put my loans on my bankruptcy.. I was denied consolidation and forbearance of my loans due to my debt to income ratio, that coupled with the sheer number of the loans that it took to complete my education. they also somehow kept many of my loans out of default, despite me not being able to make payments on them since the minimum monthly on each equaled more than my monthly income. I ended up with several loans registered as current, that had not been paid on since XXXX HOWEVER, several of my loans DID go into default, and the lenders consolidated with a debt collector, rather than me, and then garnished me for years, which they continued to do for MONTHS after the federal freeze on student loan repayments due to Covid they mustve garnished me an additional 4 to 6 months at least after that student loan repayment freeze. I was making XXXX an hour and paying over XXXX a month in garnishment due to both the loan repayment, coupled with their debt collectors fees, because they simply refused to consolidate for ME when I tried.. that wasnt good enough. I also should mention the entire duration of my four-year degree I was receiving Social Security XXXX, and had been since the late 90s?. Im about to file for a second bankruptcy now due to what these loans and garnishments have done to the REST of my lifes debt.. theyve impact EVERYTHING, not just themselves. Ive been denied housing, dental care, My dog has been denied medical care.. ALL because of them.. and thats just the tip of the iceberg that stuff people dont think about I cant even do scratch pay because of them..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, AMERICAN EXPRESS Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, XXXX XXXX Reported : XX/XX/2023, XXXXXXXX XXXX XXXX Reported XX/XX/2023, XXXXXXXX XXXX XXXX  Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: TX

Complaint narrative:
YOU ALL ARE IN VIOLATION OF 15 USC 1681 B BY FURNISHING INFORMATION THAT I DID NOT AUTHORIZE, NOR DOES THE ITEMS BELONG TO ME. THESE ITEMES WERE DUE TO IDENTITY THEFT/FRAUD AND THIS MATTER MUST BE RESOLVED ASAP BEFORE I REPORT THE COMPANIES TO THE XXXX XXXX XXXX AND MY ATTORNEY STATE GENERAL.

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 2023-08-08 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: TX

Complaint narrative:
YOU ALL ARE IN VIOLATION OF 15 USC 1681 B BY FURNISHING INFORMATION THAT I DID NOT AUTHORIZE, NOR DOES THE ITEMS BELONG TO ME. THESE ITEMES WERE DUE TO IDENTITY THEFT/FRAUD AND THIS MATTER MUST BE RESOLVED ASAP BEFORE I REPORT THE COMPANIES TO THE XXXX XXXX XXXX AND MY ATTORNEY STATE GENERAL.

Company response to consumer: Closed with non-monetary relief