vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2022-01-03 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: MD

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: GA

Complaint narrative:
I have been dealing with an ongoing stubborn account, XXXX. XXXX XXXX. This account is a closed account and has a late payment on it. This is a violation under the FDCPA that a closed account can not have late payments. Furthermore, I submitted a dispute asking them to send me the original signed contract with my signature on it, which they have failed to do. I then sent in a 30 Day Demand after 60 days letting them know that they failed to respond to me, and if they do not respond within that certain time frame under the FCRA my account has to be deleted. STILL NOTHING! I then sent in a complaint to the XXXX, who told me they were unable to identify my account... okay if you can't identify it... erase it!!! At this point, this is my last step before filing for ligitation.

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 2022-01-03 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint with my own free will. Please review the attached documents to assist with my complaint.

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 2022-01-03 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:
I noticed inaccurate information on my report. Please delete and update my credit report

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 2022-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
The XXXX XXXX and its Manager XXXX XXXX reported false statements to the 3 Bureau Credit Agencies XXXX, XXXX and XXXX claiming the amount of {$3600.00} for breaking an apartment lease contract. In reality both parties were well informed in writing the non renewal of the lease and the reasons why we forced to move out of the unit on XX/XX/2021 before lease expiration XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: VT

Complaint narrative:
On XX/XX/XXXX I was involved in a truck VS. bike accident. I was the bike rider. This accident required transportation to a hospital and hospital charges that were paid for by accurate billing to my accurate insurance, via a card that I provided. Over the next 11 months my lawyer and I were contacted repeatedly by Florida XXXX XXXX about an outstanding bill. Florida XXXX XXXX was provided with my accurate insurance information. On XX/XX/XXXX I was sent a " FINAL NOTICE '' from Florida XXXX XXXX for this balance as they appear to have been incapable or unwilling to update their billing information. Included with this note was a statement was a reference that the matter would be handed over to a collection agency. on XX/XX/XXXX I sent XXXX via registered mail a note that included copies of these insurance cards. I also informed them that I would be happy to send copies of that note to the collection agency, as well as my lawyer, and let them know that if I was contacted by a collection agency, I will consider that referral harassment. 
Today XX/XX/XXXX I received a letter from Gulf Coast Collection Bureau attempting to collect this outstanding debt. I'm in the process of contacting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with XXXX XXXX XXXX  XXXX XXXX. but can not produce a trust or contract. They are a third party debt collector. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by credit reporting agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed inaccurate information on my report. Please delete and update my credit report

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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: TX

Complaint narrative:
HELLO, THE CREDIT REPORTING AGENCIES ISN'T FOLLOWING THE LAW WHEN REPORTING ACCURATE INFORMATION, ON MY CREDIT PROFILES, AND IT'S HINDERING ME. 

THE 15 USC CODE 1681 ( A ). 

THE CREDIT REPORTING AGENCIES ARE GOING AGAINST THE LAWS, AND IT ISN'T FAIR. By the credit reporting agencies not reporting accurate information. 
You can check out my attachments of those snapshot of the incorrect information they have reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX a charge for XXXX and a charge for a spa was on my credit card with Bank of America. I contacted Bank of America to dispute the fraudulent charge, however I would like for you to look further into this as I have been a recent victim of 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 2022-01-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I would like information on purchasing the XXXX XXXX ( currently at XXXX miles ) I am currently leasing. I would information on the following : 1 ) If I were to purchase the vehicle as an individual, what would the purchase price be assuming I have a tax exempt status from the United States and from the State of California 2 ) XXXX XXXX XXXX XXXX XXXX XXXX If I were to purchase the vehicle through the dealership/company XXXX XXXX, what would the purchase price be I would appreciate it if I can get a breakdown of the purchase price. Thank you. 

PLEASE NOTE : I AM LOOKING FOR A 30 DAY QUOTE

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 2022-01-03 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: GA

Complaint narrative:
I've contacted XXXX/transunion over 10 times and sent in many disputes and this public record have not been deleted even after giving them the proper paper work.The Reported Negative and Defaming information starting XX/XX/2020 on my credit report. I've sent in and debt validation letter and have not received a response with the requested all investigation.They only thing they said was we verified with XXXX. I've contacted XXXX XXXX regarding this matter and XXXX seemed to removed it off my report because it was unverifiable. Now XXXX/transunion have no right to furnish this information. I've sent in all letters receive from XXXX XXXX XXXX, and the courts. They never supplied sufficient information to me in order to to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR ( d ) ( 1 ) ( 2 ) ( 3 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.

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 2022-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: NM

Complaint narrative:
Village Capital Mortgage XX/XX/XXXX Tried to log in to my mortgage account to check on taxes. Says login not recognized. I have had a mortgage with this company for over 12 years. Refinanced the loan in XXXX and went through the process of establishing the new loan on line. Now, it's a problem because- not only can I NOT login to check on the loan, NO ONE ANSWERS THE PHONE WHEN CALLING DURING BUSINESS HOURS. 

XXXX XX/XX/XXXX Same exact issue. All I want is someone to help me to be able to access my account online so I don't have to CALL. 
ALSO - you would think making millions off of their consumers, they'd do better on their hold music. I understand they probably want you to hang up, but geez. They know how long their customers wait. 

A mortgage is a very pricey and important account. If these people can't keep up they need to sell their mortgages and shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: TX

Complaint narrative:
I officially notified the Credit Reporting Company via certified letter that I had an unauthorized inquiry on my credit report in XXXX  of 2021. 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry was requested repeatedly. 
They neither provided me strict proof or DELETED the item immediately!! This is the official second notice. If they do not delete the inquiry in 15 days I will take legal action. 
Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter and submit their reinvestigation information proof. 
If they ignore this notice and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to send notice to the Attorney General for further scrutiny of this matter. The credit reporting company received my request/demand to provide proof that I have given the authorization to pull my credit on the following hard injuries that follow : XXXXXXXX XXXX XXXX FinanceXXXXPersonal XX/XX/2021 XXXX Finance/Personal XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX MiscellaneousXXXX 2021 They have not responded to my request and now are in DEFAULT. 
They must immediately remove any derogatory reporting to the credit reporting agencies because they are causing defamation of my character and I will be forced to take legal actions against this credit reporting company. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal actions against them. 
**Immediately remove any derogatory reporting or consider this as contrastive notice of impending legal action. ***

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 2022-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: IL

Complaint narrative:
I paid off my CarMax Auto Finance car loan thru re-finance from another lender on XX/XX/2021. Once paid off I cancelled my gap insurance and Carmax extended warranty plan at the Carmax dealership in XXXX, IL. On XX/XX/XXXX I was due a refund for the cancellation of {$3000.00}. The refund was applied to my closed Carmax Auto Finance instead of just giving me a check. I called a week later and 2 representatives I spoke with stated it takes 7 business days to get issued the refund because it needs to be approved by a manager. As of today my full refund have not been processed. I spoke with XXXX in the resolutions department, which she was very helpful and understanding. She was able to get a response from a manager who told her itll take 2-3 weeks. I shouldnt have to wait another 2-3 weeks to receive my refund, due to Carmax Auto Finance slowness . This refund was applied XX/XX/2021, which has already been XXXX weeks. The refund was already approved at the Carmax store. Paperwork was already signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
This is related to complaint number : XXXX XXXX XXXX has completed or I believe to have completed/ fulfilled their obligations by locating and finding the missing funds. LoanCare has not. LoanCare received the check on XX/XX/XXXX confirmed by XXXXXXXX XXXX as they provided the XXXX tracking information and delivery confirmation. That check was received by Loancare on XX/XX/XXXX. As of today XX/XX/XXXX over a month later the funds have not been credited to my account. Has Loancare just decided to keep my {$3000.00}? What takes a month to process a deposit?

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 2022-01-03 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: AZ

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau but to my surprise, I did not receive anything back as a response. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-01-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
The XXXX forbearance period ended for my home equity loan at the beginning of XX/XX/2021. However, the maturity date on my loan is, or was XX/XX/2021. I have been told by NationStar bank the balance is due in full on the maturity date. I have argued that the maturity date should be shifted according to the forbearance period, but they have refused to make accommodations, and insist that I pay the total amount due in a lump sum. 
If I had been aware that this would happen, I never would have put the loan into forbearance since it has created a greater economic hardship than making the monthly payments in the first place. If this is according to the letter of the law, it is not in the spirit of the law. I believe the bank also received federal assistance during the forbearance period, and they should be able to change the maturity date or setup an alternate payment plan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
Time sensitive letter that they have no record of No explanation of whyMortgage recast eligibility under XXXX that needs to be received by1/31/22 No address to send it to Cant discuss terms because they are unaware and nobody to escalate Supervisors and management unavailable

Company response to consumer: Closed with explanation