vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am on my XXXX XXXX  account and I see a balance of {$8700.00} with JPMCB. I have never had an account with them nor inquired about opening up one. This is not me and I have not owed this money. I would like to get this off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-08-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any 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 2023-08-16 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: CA

Complaint narrative:
On XX/XX/XXXX I reviewed a current credit report and noticed several student loaned reporting to me which I have not applied for. There are a total of 4 loans opened to me fraudulently and the dates are 2 on XX/XX/XXXX which is also when the fraud started and 2 on XX/XX/XXXX and is also the last date the fraud took placed. Since then I have contacted the creditor and have made them aware of my situation which they resulted in starting an investigation, and I have even taken it as far as filing a report with my local police department to help assist fighting this fraud.

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 2023-08-16 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: CA

Complaint narrative:
On XX/XX/XXXX I reviewed a current credit report and noticed several student loaned reporting to me which I have not applied for. There are a total of 4 loans opened to me fraudulently and the dates are 2 on XX/XX/XXXX which is also when the fraud started and 2 on XX/XX/XXXX and is also the last date the fraud took placed. Since then I have contacted the creditor and have made them aware of my situation which they resulted in starting an investigation, and I have even taken it as far as filing a report with my local police department to help assist fighting this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have two Fruad accounts on my credit report. I have attached a FTC report and my current lease with my address attached. 1. XXXX XXXX {$2000.00} XX/XX/XXXX 2. 1. XXXX XXXX {$1400.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America filed delinquency garnish my credit history.

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. 

I told the XXXX and XXXX to reinvestigate these Bank of America credit card accounts : ending on XXXX and XXXX. However, they stated everything was complete and accurate. But it is the Bank of Americas fault froze my checking account which is used to send automatic payments to both of these credit cards, and then after it froze, it could not make the payment anymore. It caused the late payments. I have the same problem with the XXXX credit card, I paid the balance and closed the credit card. And XXXX is willing resolve the dispute and clear the delinquency. I paid off the remaining balance of the credit card on Bank of America and closed these credit card, but, they are not willing to solve the delinquency even though it is their fault on closing the checking account in the first place. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: TX

Complaint narrative:
I divorced my ex-husband in XXXX. At some point after our divorce was final, he opened a student loan with SallieMae and they included me on his loan without my consent. To this date I continue to receive collections correspondence for his account stating that I owe the money. I have contacted SallieMae multiple times regarding these letters and the loan. Every time I call them, they assure me that I am not on the loan and that they have removed me from their mailing list. 

Today I received another letter stating that his loan will be reported to my credit bureau for non payment. 

The customer identification number is XXXX. 
My ex-husband 's name is XXXX 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 2023-08-16 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: 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.

has violated my rights. Or list of inquiries 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 2023-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
this person is tryna collect and i was XXXX XXXX for XXXX years i dont owe any debts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: LEXISNEXIS
State: MO

Complaint narrative:
Lexis Nexis is not getting the information from the courts as the response states, they are accessing a system ( XXXX ). I contacted the courts directly and they do not report to the credit bureaus or Lexis Nexis, I also contacted XXXX who also stated they do not report to Lexis Nexis or any other credit bureau. The information is incorrect and needs to be removed since they are not getting the information from the Bankruptcy Courts. According to the FCRA, only the original creditor or the entity to whom the debt was legally assigned can report an account to credit bureaus. Upon reviewing the information on my credit report, I have reason to believe that this account was reported by a third-party collection agency that does not report to Lexis Nexis. The information is inaccurate and needs to be deleted from my credit profile. I have stated over and over that this information is incorrect. They have not investigated the information I provided. I spoke to someone at Lexis Nexis who said in a recorded call that they do not send the information to the credit bureau. They also sent me a letter stating it would be removed and that has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-16 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't 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 aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: TX

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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-08-16 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:
1 ) In accordance with the Fair Credit Reporting act, XXXX Account # 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 an account without my written instructions. 2 ) In accordance with the Fair Credit Reporting act Convergent Account, 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 an account without my written instructions.

3 ) In accordance with the Fair Credit Reporting act XXXX Account, # 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.

4 ) In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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.

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: TX

Complaint narrative:
1 ) In accordance with the Fair Credit Reporting act, XXXX Account # 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 an account without my written instructions.

2 ) In accordance with the Fair Credit Reporting act XXXX Account, 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 an account without my written instructions.

3 ) In accordance with the Fair Credit Reporting act XXXX  Account, # 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.

4 ) In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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. 

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: CA

Complaint narrative:
My identity was stolen and used fraudulently. I dispute the account and the debt attached to it. I have since filed a claim with the FTC and have the claim number to prove it. I want to inaccuracy removed from my credit file immediately. The report number with the FTC is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I called in to Westlake financial services because my car was repossessed. I was attempting to make a payment when the agent XXXX XXXX was extremely rude to me saying that if I didn't have time to speak to call back. I informed him that he was being rude and let him know that I no longer wanted to speak with him, and requested a supervisor. His response was that he didn't want to talk to me either and he placed me on hold without permission to transfer. I called back later to make the payment once more. Where an agent who I asked to explain the fees that I needed to pay responded with " How am I supposed to know? ". My response was, well you work there. She began yelling over me and said bye and hung up on me. I called back several times after that to which each agent denied me to speak with a supervisor and hung up on me. When I called back for the 5th time, I made a payment. At that time and only then was I granted to speak with a supervisor after only XXXX minutes of waiting when I was previously told they were all in a meeting. Once the supervisor XXXX XXXX got on the phone. I asked for the agent who I spoke with that hung up on me that had access to my personal information, that way I can file a XXXX complaint. His response was I do not have the right to have that agents name. I think it is despicable how this company allows their agents to treat customers just because we owe money. The culture to be rude to customers is overwhelming and disgusting. I made a payment well over {$1200.00} and was not thanked for the payment, or even offered an apology for how the agents handled me or my account. I am now skeptical of what they will do with my personal information being that they are going through great efforts to conceal the nasty behaivor exihibited by their agents.

Company response to consumer: Closed with explanation