vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: MI

Complaint narrative:
15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FAMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION YALL HAVE Violate my rights so the account I'm referring to is XXXX credit XXXX State of Michigan 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 explanation
Consumer complaint received 2022-04-26 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: MI

Complaint narrative:
15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FAMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION YALL HAVE Violate my rights so the account I'm referring to is XXXX credit XXXX State of Michigan 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 2022-04-26 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: LEXISNEXIS
State: GA

Complaint narrative:
I receive my report from Lexis Nexis and again they are still reporting all these inaccurate incorrect information on my consumer report. I received a letter stating that they have remove these XXXX { 2 } bankruptcy from my report, but it still showing on there. XXXX, XXXX and XXXX will not remove them because the are stating Lexis Nexis is reporting it to them as accurate. The court for Bankruptcy sent me XXXX { XXXX } letters stating they never give Lexis Nexis this information they receive it from XXXX  system which is a paid system.I am uploading all the letters i received from this company. 
Also to delete XXXX XXXX XXXX XXXX, that address is incorrect i update my new address so many times. 
I am demanding these incorrect information be remove from my report. these incorrect/ inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, also damaged my livelihood. 
Under USC 1681 Section 602A states i have the right to my privacy. 
So they are in violation of my privacy.They are PROHIBITED BY LAW not to furnish inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: CA

Complaint narrative:
My Upgrade cash rewards card was used back in XX/XX/2021. My card was stolen and my other cards were stolen as well along with a check that was in my purse during XXXX time and I had to change my account numbers I had to change my credit card numbers and I called and XXXX dispute they gave me a provisional credit and then they took it back and told me that I need to file a police report the police XXXX XXXX with the XXXX police department told me that I could not file a police report because it was fraud so they asked me to file a complaint with XXXX. So I submitted a complaint for XXXX purchases XXXX with XXXX and XXXX with XXXX XXXX one purchase was for {$240.00} in another purchase was for {$330.00}. After they put the money back in my account they took it out and told me to file a complaint with ftc.gov XXXX shored me that after I found a dispute with them that they will put the money back in my account which they still have not I pay my car off in the last amount left is just these XXXX purchases plus the interest that they keep charging me on these purchases with XXXX not be on there I need somebody to contact upgrade and ask them to give me my money back Ive change my checking account all my other cards I havent had this issue only this card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: VA

Complaint narrative:
in accordance with the Fair credit reporting act EXPERIAN has violated my rights. 15 u.s.c 1681 section 602 A. States i have the right to privacy 15 u.sc. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

PLEASE SEE DOCUMETS I OBTAIN FROM THE COURTS STATING THAT THEY DID NOT FURNISH ANY BANKRUPTCY ON MY REPORT. 

EXPERIAN HAS YET TO RESPOND CERTIFEID MAIL # XXXX SENT XX/XX/2022 AND DELIVERED XX/XX/2022

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 2022-04-26 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: PA

Complaint narrative:
By accordance with the fair credit reporting XXXX accounts XXXX, & XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 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

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 2022-04-26 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: AZ

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. 

XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Collections XXXXXXXX XXXX- Account # XXXX All these accounts 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 a 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 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We have mortgage thru Chase bank that began XXXX of XXXX. We have always made our monthly mortgage payments on time except in XX/XX/XXXX, I missed a payment by mistake. We were offered deferment as a payment option and accepted. It took some time to get deferment as we would fill out forms send them in by mail but chase claimed never received. After filling out multiple forms several times, we finally got the deferment. We were told it would bring our account current and would not go on credit report. We discovered chase reported weve been late consistently on credit report which is not correct. We contacted chase who then proceeded to tell us no deferment document existed and then when we explained if we were late consistently our balance would reflect that, to which they then put back all late fees associated with missing payment back on. When we informed chase we would be filing a formal complaint, they found the deferment and took off late fees but refuse to remove the late status from our credit report. Last phone conversation was XX/XX/XXXX. They claim to not show a missing payment but have a deferment document. Each time we talk to them, they tell us they will investigate but it goes no where. Now they have told me I have to submit in writing a formal request. We wanted to sell our home and buy a new one but chase has driven my credit score down and refuses to remove the incorrect status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: MD

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Please accept this letter as my dispute of late payments reported by Nelnet. I have had consolidated student loans with Nelnet since XXXX, XXXX. I have attached my payment history. ( See Exhibit 1, payment history ) Since that time I have made one payment to Nelnet for what I believed to be a consolidated loan. Each statement from Nelnet indicates one account and the balance. ( See Exhibit 2, Statement ). 
As you can see I paid for more than 18 years on a timely basis. In XXXX, I took advantage of a forbearance available due to the pandemic. I misunderstood when the payments would begin to become due again, and was late on payments in XXXX, XXXX and XX/XX/XXXX. As soon as I became aware of the late payments, I immediately begin the automatic payments I had paid for the 18 years prior. I have asked Nelnet multiple times to consider a good will deletion of the late payments and they have refused. 
Nelnet has inaccurately reported the type of loan and account number of this consolidated loan as two individual loans with different loan account numbers than what appears on my statement. This has created a decrease of over 87 points to my credit score. I have suffered damages that exceed over {$30000.00} a year, as my husband and I were not able to refinance our home when interest rates where favorable because of the inaccurate reporting. I believe Nelnets reporting to be incorrect and in violation of the FCRPA, as the late payments should have been reported as one account as stated on their monthly statements to me. In addition, the scheduled payment of {$220.00} is incorrect as well. 
I would appreciate it if you would investigate this matter and delete or correct the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This was not sent in erroXXXX XXXX XXXX XXXX  consumer by law at ang information XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
in accordance with the Fair credit reporting act has violated my rights. 15 u.s.c 1681 section 602 A. States i have the right to privacy 15 u.sc. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

THIS IS HIPPA VIOLATION AND IDENITY FRAUD I TRY REACHING OUT TO THIS COMPANY AND NO RESPONE CERTIFIED MAIL XXXX ON XX/XX/2022 SEE ATTACHMENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
Student loan PSLF forgiveness applications are handled only by FedLoan. 

I mailed in a completed PSLF application via USPS mail in XX/XX/2022, and as yet I have never received any confirmation that it was received at all. 

I have tried multiple times to contact FedLoan to request receipt confirmation or instructions, and have been unable to get any answer. 

FedLoan will not allow me to create an online account with them because my loans are serviced by XXXX and not by FEDLOAN.

FEDLOAN must process the PSLF application, so the loans are supposed to be switched to FEDLOAN on their receipt of the PSLF application. 

Today I waited 20 minutes on hold to talk to a FEDLOAN service representative about creating a FEDLOAN account, but he immediately told me he had no info and that I couldn't create an account until making FEDLOAN my servicer.

When I asked for basic confirmation as to whether FEDLOAN has received my PSLF application, the rep told me that he'd have to transfer me to a different department for that information. I waited on hold another 20 minutes, then hung up because I'm at work.

The PSLF application process is involved and time-sensitive. I have now wasted nearly three months waiting for any response for FEDLOAN, and I have now received an entirely unacceptable level of customer service in trying to contact them for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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 XXXX Account # XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2022-04-26 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:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please accept this letter as my dispute of late payments reported by XXXX. I have had consolidated student loans with XXXX  since XXXX, XXXX. I have attached my payment history. ( See Exhibit 1, payment history ) Since that time I have made one payment to XXXX for what I believed to be a consolidated loan. Each statement from XXXX indicates one account and the balance. ( See Exhibit 2, Statement ). 
As you can see I paid for more than 18 years on a timely basis. In XXXX, I took advantage of a forbearance available due to the pandemic. I misunderstood when the payments would begin to become due again, and was late on payments in XXXX, XXXX and XX/XX/XXXX. As soon as I became aware of the late payments, I immediately begin the automatic payments I had paid for the 18 years prior. I have asked XXXX multiple times to consider a good will deletion of the late payments and they have refused. 
XXXX has inaccurately reported the type of loan and account number of this consolidated loan as two individual loans with different loan account numbers than what appears on my statement. This has created a decrease of over 87 points to my credit score. I have suffered damages that exceed over {$30000.00} a year, as my husband and I were not able to refinance our home when interest rates where favorable because of the inaccurate reporting. I believe XXXX reporting to be incorrect and in violation of the FCRPA, as the late payments should have been reported as one account as stated on their monthly statements to me. In addition, the scheduled payment of {$220.00} is incorrect as well. 
I would appreciate it if you would investigate this matter and delete or correct the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: CA

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 XXXX681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

-XXXX XXXXXXXX XXXX Account XXXX : XXXX -XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX -XXXX  Account number : XXXX XXXXXXXX XXXX XXXX Account number : 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 2022-04-26 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: GA

Complaint narrative:
Never owned said vehicle finance by XXXX XXXX XXXX XXXX. Have I told them to provide proof of this information and I have not received any proof of any loan documents with my signature?

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 2022-04-26 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:
Never owned said vehicle finance by XXXX XXXX XXXX XXXX. Have I told them to provide proof of this information and I have not received any proof of any loan documents with my signature?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: GA

Complaint narrative:
Never owned said vehicle finance by XXXX XXXX XXXX XXXX. Have I told them to provide proof of this information and I have not received any proof of any loan documents with my signature?

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 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This is a follow up to complaint XXXX and XXXX. My name is XXXX XXXX XXXX social ending in XXXX. Please note got a email from XXXX XXXX XXXX XXXX representing LNLV Funding stating this isnt my debt and that they arent suing me. please find the letter attached. My added complaint is that even after recognizing this is not my debt they are refusing to still refusing to withdraw the lawsuit they summons me for at my home at XXXX XXXX XXXX XXXX Illinois XXXX. I have told them there is no XXXX XXXX but myself that has ever lived here. I am very concerned that they are going to try to get a default judgement by refusing to cancel the lawsuit. Please note they had no DOB OR SSN or middle initial on the summons. This is a different person with the same first and last name as mine. please help asap the court date is XX/XX/22 docket number XXXX and XXXX. THIS IS THE SAME CASE BUT THEYRE LISTING TO MANY ZEROES. Please help ASAP. They illlegally served me for what belongs someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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:
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 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX -XXXX Account number : XXXX XXXX XXXX XXXX  Account number : 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