vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: GA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Today as of XX/XX/2022, my credit score was affected by XXXX and XXXX points for applying to a credit card that I did not consent to. I already have a credit card with Capital one, I dont need another one. I did not authorize this action. I am trying to build my credit for a house and i wouldnt do anything to jeopardize lowering myself even ONE point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX and XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my witten 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 non-monetary relief
Consumer complaint received 2022-05-24 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:
In accordance with the Fair Credit Reporting act XXXX XXXX and XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my witten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received 3 emails from Bank of America regarding an application for a checking and savings account. The application was approved and the account was opened. I did not open these accounts. 

On XX/XX/XXXX, I went to a Bank of America branch in XXXX, CA near my home and they were able to pull up the account. My SSN and employer were correct on the account but the phone number and address were incorrect. The phone number listed on the application is ( XXXX ) XXXX, and my phone number begins with area code XXXX.The address on the account is a previous one. As of this date, no deposits have been made to either account. 

The bank manager notified their fraud department so they could flag and block the account. She also provided me with the direct number to their fraud department but I have been unable to get through their phone system because I do not have a telephone access ID, card, or full account number. I also received an email on XX/XX/XXXX from Bank of America that a debit card has been mailed. 

I was asked to return to the bank on Wednesday XX/XX/XXXX to meet again with the bank manager so she could finish the process.

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 2022-05-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
USAA SVG BK XXXX XXXX XXXX XX/XX/22 RE. We have disputed this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
a third letter was sent on XX/XX/14 to request the proof of securitization and the original instrument with wet signature of the contract between aidvantage and I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
XXXX and XXXX XXXX firm is trying to foreclose on my home. They say they represent XXXX XXXX  as trustee for XXXX XXXX. The master servicer who has the legal rights to the loan has reconveyed the home back to us. Select Portfolio Servicing has ignored the fact that the loan was legally reconveyed. They Hired XXXXXXXX XXXX XXXXXXXX says they represent XXXX XXXX XXXX XXXX Says the don't get involved in these things yet they have no problem letting XXXX us their name on the foreclosure. XXXX XXXX  is involved in an Illegal foreclosure and they have buried their head 's in the Sand. They are aiding and abetting SPS and XXXX in the theft of our home. XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, Utah XXXX phone # XXXX XXXX Fax XXXX XXXX Email : XXXX Select Portfolio Servicing : XXXX Fax : XXXX XXXX They need to stop, the auction is set for XX/XX/22. SPS Account # 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 2022-05-24 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: IL

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$590.00} ), XXXX XXXX - XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$650.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-24 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX JPMCB CARD XX/XX/22 RE. We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXX XXXX XXXX BRCLYSBANKDE XXXX XXXX XX/XX/22 RE. We have disputed this account.

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 2022-05-24 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: IL

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$590.00} ), XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$590.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$650.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Wrong information

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 2022-05-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX with XXXX XXXX XXXX XXXX ( original creditor 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 2022-05-24 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: DC

Complaint narrative:
Please be advised the following case # XXXX has been open since XX/XX/2022, approximately 55 days. 

I did not request a re-investigation. I requested Experian to provide a description of the procedures used to investigate /verify the following accounts, Pursuant to 15 USC 1681 i ( 7 ) Description of reinvestigation procedure. 

To date Experian has not been able to provide proof for the below accounts or provided me with a description of the reinvestigation procedures. 
XXXX XXXX XXXX XXXX Account Number XXXX As a consumer I know that pursuant to 15 USC 1681 I ( 5 ) Treatment of inaccurate or unverifiable information that is not verifiable is required to be deleted, with that being said DELETE the aforementioned accounts as it is past the 30 days DELETE NOW or I will seek monetary relief

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 2022-05-24 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX acct XXXX XXXX, have 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 non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lien Enforcement Inc
State: TX

Complaint narrative:
On XX/XX/XXXX a XXXX XXXX registered to me XXXX XXXX was sold to XXXX XXXX ( XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ) for {$250.00} by the XXXX Police Department at XXXXXXXX XXXX  XXXX XXXX, TX XXXX. This vehicle was reported stolen to the XXXX XXXX Police Department in XX/XX/XXXX of XXXX. The vehicle location and condition was never given to me by either the XXXX XXXX Police Department or the XXXX Police Department and I only known the condition and status of the vehicle by Lien Enforcement Inc. XXXX XXXX XXXX XXXX, FL XXXX when they requested payment of {$1500.00}. Lien Enforcement is threatening to report the amount of {$1500.00} to the credit bureau as an uncollected debt but I never received notification of my stolen vehicle. The sale of my vehicle to XXXXXXXX XXXX XXXX  is unlawful as there was no notification of the condition or location of my stolen vehicle. I am asking consumer financial protection bureau to work on my behalf to dismiss the debt requested by Lien Enforcement Inc and to help me avoid getting this debt reported to the credit bureau to my credit because the process followed did not allow me to work with my insurance company to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: AmeriCollect
State: WI

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Fair Credit Reporting Act ( FCRA ) is meant to ensure accuracy on your credit reports. Failing to send you notifications about your credit report or score in violation of the FCRA. Agencies fail to follow guidelines for handling disputes never giving notice of anything being investigated by mail in 5 days or more. Creditors give reporting agencies inaccurate financial information about me. 

Make sure my report is reporting 100 percent accurate, same line by line on all 3 bureaus or remove accounts, as they are violating my rights if there not 100 percent the same

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Fair Credit Reporting Act ( FCRA ) is meant to ensure accuracy on your credit reports. Failing to send you notifications about your credit report or score in violation of the FCRA. Agencies fail to follow guidelines for handling disputes never giving notice of anything being investigated by mail in 5 days or more. Creditors give reporting agencies inaccurate financial information about me. 

Make sure my report is reporting 100 percent accurate, same line by line on all 3 bureaus or remove accounts, as they are violating my rights if there not 100 percent the same

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Fair Credit Reporting Act ( FCRA ) is meant to ensure accuracy on your credit reports. Failing to send you notifications about your credit report or score in violation of the FCRA. Agencies fail to follow guidelines for handling disputes never giving notice of anything being investigated by mail in 5 days or more. Creditors give reporting agencies inaccurate financial information about me.

Make sure my report is reporting 100 percent accurate, same line by line on all 3 bureaus or remove accounts, as they are violating my rights if there not 100 percent the same

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 2022-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received a billing statement from XXXX XXXX which I don't have account with them. I contact XXXX XXXX that I never open an account with them and they ensure me that it was taking care of. Few month later, I received a debt collecting letter from Nationwide Credit and phone call. I told them it was a fraud and someone use my name and the SSN # was different. They are very rude and threaten me that if I don't pay they will take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
On XXXX XXXXXXXX XXXX SUNRISE CREDIT SERVICES added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA SUNRISE CREDIT SERVICES has violated my rights as a consumer and i'm requesting legal action to remove this account 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 2022-05-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
We are living at XXXX 's XXXX for XXXX and decided to do month to month basis because we are looking for another place to rent. It was XXXX XXXX XXXX to XXXX. We cleared everything and gave them the 60 days notice 2 months prior to our contract. XXXX from Columbia Debt Recovery the amount of XXXX is filed as a collection debt in our name. We keep calling the collection and they can't do anything about the debt. We called the manager of the property and until now they couldn't solve the issue. Now that we are need of an apartment we can not get approve because of the record that is showing as a collector. We have voice recorded line as a proof that we try and try to resolve the issues. And also the 60days notice before leaving the property.

Company response to consumer: Closed with explanation