vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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 Report Act conversion has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 608 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer report agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I paid off a collection account for a credit card I had with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I got they sold the collection account to XXXX XXXX  and XXXX XXXX  I paid XXXX in XX/XX/XXXX with an agreement that this account would be deleted from credit report within 30 days. XXXX no longer reports this account on my credit but XXXX  does even tho it was a pay for deletionXXXX Aldo keeps changing the charge off date of this account. It currently says it was charged off in XX/XX/XXXX even tho it was paid in XXXX of 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 2022-06-07 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my right. 
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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting an early exclusion or deletion of XXXX XXXXXXXX XXXX account from my credit report. On my Equifax credit report it is saying that the account is XXXX  years, XXXX  months and XXXX days old. Meaning that the account will fall off my credit report in XXXX  month and XXXX days. Equifax has a policy by which one can request an early exclusion or deletion of an account from a credit report if the account is within 1 to 2 months of falling off the credit report. This XXXX  XXXX XXXX account falls within such a category and I am therefore requesting an early exclusion or deletion of XXXX XXXXXXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The accounts, addresses, and inquiries was open without my permission. I have contacted experian XXXX and XXXX about this fraud issue but not resolved despite my federal trade commission XXXX and police report submitted Accounts XXXX XXXX XXXX, XX/XX/XXXX, {$15000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$510.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$15000.00} XXXX  XXXX, XX/XX/XXXX, {$2800.00} Inquiries XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX Experian XXXX XXXX, XX/XX/XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX at La XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX tx 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 2022-06-07 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: MD

Complaint narrative:
I have been attempting to get a mortgage refinance since XXXX. I believe the system has treated unfairly. My credit score was a XXXX in XXXX of this year and I owed XXXX in debt. Now I don ; t owe anywhere near that I am still being harassed. As soon as I clean up one thing the XXXX put more on. 

I have all you can see many complaints and I am tired of complaining! All it does it hurts my credit score. Whats Fair about that? 

I had planned on purchasing a automobile after I refinanced my house but the bureaus want to control when you even do that, I am a XXXX XXXX XXXX. My credit usage depends on what is going on in my XXXX XXXX XXXX. But no bureaus won't report the true activity. In this case I sold a property and have to relocate the contents of the home elsewhere. Hence, HIGH USAGE ON MY PERSONAL CARD WHICH IS REALLY USED FOR BUSINESSS! 

The house has sold and so with the proceeds I will pay the bill in full. I guarantee you if I look at my report someone will have reduced my credit limit for no reason except the but hole creditors made it appear unusual. What's Fair about that. 

I applied for a Auto Loan and got approved first for XXXX at 6.14 84 months then got quoted XXXX 9.39 interest 72 months XXXX and the last time XXXX 6.64 for 84 months XXXX. Whats Fair About that? Same Accounts different bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: MD

Complaint narrative:
I have been attempting to get a mortgage refinance since XXXX. I believe the system has treated unfairly. My credit score was a XXXX in XXXX of this year and I owed XXXX in debt. Now I don ; t owe anywhere near that I am still being harassed. As soon as I clean up one thing the XXXX put more on. 

I have all you can see many complaints and I am tired of complaining! All it does it hurts my credit score. Whats Fair about that? 

I had planned on purchasing a automobile after I refinanced my house but the bureaus want to control when you even do that, I am a XXXX XXXX XXXX. My credit usage depends on what is going on in my XXXX XXXX XXXX. But no bureaus won't report the true activity. In this case I sold a property and have to relocate the contents of the home elsewhere. Hence, HIGH USAGE ON MY PERSONAL CARD WHICH IS REALLY USED FOR BUSINESSS! 

The house has sold and so with the proceeds I will pay the bill in full. I guarantee you if I look at my report someone will have reduced my credit limit for no reason except the but hole creditors made it appear unusual. What's Fair about that. 

I applied for a Auto Loan and got approved first for XXXX at 6.14 84 months then got quoted XXXX 9.39 interest 72 months XXXX and the last time XXXX 6.64 for 84 months XXXX. Whats Fair About that? Same Accounts different bureaus

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 2022-06-07 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 XXXX  also known as XXXX  XXXX- Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: FL

Complaint narrative:
After multiple attempts to contact XXXX, Trans union and XXXX regarding credit validation of an invalid outstanding debt there has been no successful resolution at this time. There appears to have been no due diligence completed in trying to resolve the matter, nor, have I been provided with proof that this debt belongs to me and is legally able to be collected. After contacting the collection agency with a validation request no reply was given and the account was sold. The account was transferred throughout the process several times and I have contacted the credit bureau ( s ) regarding the incorrect reporting of my debt which has harmed my credit, financial reputation and has prevented me from moving forward with very important life events like making my first home purchase and qualifying for better interest rates. After my account was transferred I again requested for validation of my debt and was provided with confirmation on XX/XX/2022 that the account has been closed. Although the date of my account being closed occured prior to the date that the investigation by XXXX was completed ( attached ) XXXX still confirmed the reporting as accurate which leads me to believe no proper steps were taken to confirm the debt. Transunion and XXXX have yet to update their records as well and have also not validated my debt. Unfortunately, the difficulty of not having this matter resolved timely with proper due diligence is continuously affecting my ability to move forward with important life events and stagnating me financially. The following account has been closed as of XX/XX/2022 and is still be reported incorrectly by all bureaus According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau ( s ) is/are required by federal law to verify. Please take this formal complaint seriously as all necessary documentation has been provided to support my complaint. An immediate deletion is being requested to resolve this matter in full.

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 2022-06-07 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: FL

Complaint narrative:
After multiple attempts to contact XXXX, XXXX XXXX and Experian regarding credit validation of an invalid outstanding debt there has been no successful resolution at this time. There appears to have been no due diligence completed in trying to resolve the matter, nor, have I been provided with proof that this debt belongs to me and is legally able to be collected. After contacting the collection agency with a validation request no reply was given and the account was sold. The account was transferred throughout the process several times and I have contacted the credit bureau ( s ) regarding the incorrect reporting of my debt which has harmed my credit, financial reputation and has prevented me from moving forward with very important life events like making my first home purchase and qualifying for better interest rates. After my account was transferred I again requested for validation of my debt and was provided with confirmation on XX/XX/2022 that the account has been closed. Although the date of my account being closed occured prior to the date that the investigation by XXXX was completed ( attached ) XXXX still confirmed the reporting as accurate which leads me to believe no proper steps were taken to confirm the debt. XXXX and experian have yet to update their records as well and have also not validated my debt. Unfortunately, the difficulty of not having this matter resolved timely with proper due diligence is continuously affecting my ability to move forward with important life events and stagnating me financially. The following account has been closed as of XX/XX/2022 and is still be reported incorrectly by all bureaus According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau ( s ) is/are required by federal law to verify. Please take this formal complaint seriously as all necessary documentation has been provided to support my complaint. An immediate deletion is being requested to resolve this matter in full.

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 2022-06-07 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: FL

Complaint narrative:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-06-07 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: NJ

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILES. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED. IF NOT I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.

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 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX claims I owe them money. My account has always been on automatic payment status and to my knowledge I do not owe them any money. XXXX XXXX is terriible to disconnect service from. I paid over {$500.00} for a phone that had long been lost. When I returned my cable boxes I tried to take care of the phone while in the office but was unable to. The only way is via phone. Really!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NC

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

15 U.S.C 1681 section 1602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 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: OPORTUN FINANCIAL CORPORATION
State: MI

Complaint narrative:
Back in XXXX of XXXX I had made a consumer purchase with my OPORTUN credit card. I had purchased clothes on XX/XX/2021 at XXXX in XXXX XXXXXXXX XXXX, and due to covid I was not able to try these items on. After I returned home I noticed that all of the items ( jeans, leggings, and sweaters ) were damaged down seemliness and not sellable merchandise. I returned to the store with the items for a refund, and the sales clerk stated that they were unable to provide me with my purchase amount of {$66.00}. I called the company and explained what happened, and he said that everything would be taken care of. All I received were letters asking me to provide the same information to them that I did over the phone. That information was emailed 3 times, mailed 4 times and I have left messages with the Dispute Team and never received a call back. I then received two letters in the mail saying my dispute was closed, so I sent them another letter with all the information, only to receive the same " further information letter '' that requested the information I have continuously provided them. I am continuing to be ignored and would like to pay my balance and close the card, but am not willing to pay that transaction amount. 

Attached is my most recent compliance with the company, along with the confirmation of the fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: GA

Complaint narrative:
I applied for a loan with Greensky for some foundation work with XXXX XXXX XXXX. I was approved for the loan however the company couldn't do the job until XXXX months later. When I started to make payments I was told that my 1year no interest was about to expire and a interest rate of 9.99 % will be assessed in the next XXXX months. Greensky started the loan without me making a transaction on the loan. I asked them to consider starting the no interest on the date the work was complete but they wouldn't agree. This was the most unfair loan process I have ever experienced, I'm still making payments after almost XXXX XXXX. I'm having to pay XXXX times the payment due to pay them off ASAP. My purchase window expired XX/XX/2020 now the interest that I have to pay is XXXX I could have saved if the Greensky would have processed my loan correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: MD

Complaint narrative:
The Creditor were created to ruin the consumers LIFE and get paid.

I am so tired to complaining to you how unfairly the bureaus are. 

This time I am complaining about the number of inquiries they have tabulated for me. 

I am XXXX XXXX the person and XXXX XXXX doing business as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX How many inquiries am I allowed now? What's fair About that?

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 2022-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have tried to get information about repayment plans for many years as I was tried of having this interest baring debt hanging over my head. I have spoken to countless representatives who when evaluated me for repayment plans didn't work out one that I could afford. although I thought they were basic on income. Each time I was given the alternative information and push towards utilizing a forbearance or a deferment which have just accumulated an enormous amount of debt that I will never afford to pay off in this life time. I have sent in income verification and follow all of the guidelines only to be given payments that I could not afford. 

I now owe 6 times the money I originally borrowed. I borrowed the money form XXXX XXXX who sold the loans to Navient. I feel like I was forced to take a forbearance and/or deferment because the interest would continue to accumulated and put more money on the books for the company. However, they have made it almost impossible for me to pay these loans off. Navient has not made if feasible for me to pay these loans off. They never worked with me to get me a payment that I could afford, thereby making it impossible for me to make payment toward the principal on the loans. Now I owe more in interest than I do in principal. The have failed to offer me affordable solution for repayment for over 20 years. 

I am in a desperate situation with no workable solutions at this point. The impact of having these loans on my credit report continues to triple me and have a great impact on my ability to secure credit. I have asked them to verify my debt from my original grantor and they continuously refer me to the information listed on my account in which I can't understand and it doesn't disclose the original amounts of my loans. If they had offered affordable repayment options, I would not be in this situation.

Company response to consumer: Closed with explanation