vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: GA

Complaint narrative:
These inquiries does not belong to meI also have no knowledge of obtaining any of the inquiries listed here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 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:
Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove them from 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 non-monetary relief
Consumer complaint received 2023-04-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent XXXX a letter over 30 days ago and have not gotten a response in regards to all of the incorrect information they have reporting on my credit. They have incorrect addresses, and jobs that I wrote to have deleted and they are still there. No response no letter no nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent XXXX a letter over 30 days ago and have not gotten a response in regards to all of the incorrect information they have reporting on my credit. They have incorrect addresses, and jobs that I wrote to have deleted and they are still there. No response no letter no nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, 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 an account without my written instruction.

15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 2023-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On about XX/XX/XXXX I took out a loan to purchase a house with XXXX XXXX XXXX in the amount of {$350000.00}. At the time I only put 15 % down which required me to get PMI on the loan. 

The plan was always to improve the subject property and I was specifically told by my lender , XXXX XXXX XXXX, prior to closing on the loan that I could have the PMI removed at any time if the then appraised value of the property resulted in an LTV of at least 80 %. This agreement is further evidenced by the specific PMI removal instructions XXXX XXXX XXXX sent me on XX/XX/XXXX. 

Sometime earlier this year Chase acquired my loan from XXXX XXXX XXXX After being made aware that my loan had been sold to Chase I contacted Chase to find out how to start the PMI removal process. On XX/XX/XXXX Chase sent me a letter outlining a completely different set of PMI removal terms which, among other things, provides that : ( a ) I am not eligible to have the PMI removed if the loan is less than XXXX years old ; and ( b ) that in order to have the PMI removed at any time the then appraised value of the property must result in an LTV of at least 70 %. 

As provided above, the PMI removal terms given from Chase are substantially different from the terms given by my original lender XXXX XXXX XXXX XXXX I have repeatedly tried to explain this to Chase 's representatives and have even sent them a copy of the PMI removal term letter I received from XXXX XXXX XXXX After over a month of back and forth Chase still refuses to honor my original PMI removal terms. 

The PMI removal terms given to me by my original lender, XXXX XXXX XXXX, were in place at least as of XX/XX/XXXX when the letter was sent to me. Chase subsequently acquired that loan and therefore takes it subject to all of the agreements and obligations of the original lender including these PMI removal terms. Therefore they should be required to honor the PMI removal terms that were given to me by XXXX XXXX XXXX in the XX/XX/XXXX letter. 

For clarity here, XXXX XXXX XXXX was not simply a servicer of my loan, they were the original named lender on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not been able to monitor my credit since Equifax makes it impossible for me to do so. Things have been added to my credit report and I have not been able to review or dispute this information since they have my profile locked. They are also reporting lots of incorrect personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Selene Holdings LLC
State: MD

Complaint narrative:
Selene Finance reported my mortgage late thirty ( 30 ) days. I have never been late since Selene Finance obtained my mortgage on XX/XX/2021. After my initial payment in XX/XX/2021, I usually pay my mortgage a few days before the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: MD

Complaint narrative:
XXXX XXXX reported my mortgage late thirty ( 30 ) days. I have never been late since XXXX XXXX obtained my mortgage on XX/XX/2021. After my initial payment in XX/XX/2021, I usually pay my mortgage a few days before the XXXX of the month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: NY

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX  HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 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: NY

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: KY

Complaint narrative:
I have reached out to XXXX XXXX and to Lockhart and morris collection company, I found an agreement with the school stating that I had to work for them for one year and that that would be resolved. I worked from them from XX/XX/XXXX up until I left Georgia in XX/XX/XXXX. After speaking with the school, they agreed at the speaking with Lockhart and Morris. They sent information to the school and then sent me a copy of the contract, which I already have, and still did not resolve the issue. my work dates for XXXX XXXX was I started school XX/XX/XXXX got my license XX/XX/XXXX from there. I did my training from XX/XX/XXXX until XX/XX/XXXX was waiting for the next part of my training and on a leave started back up and XX/XX/XXXX and was there until XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Kubota North America Corporation
State: NY

Complaint narrative:
I recently purchased a co-op apartment in XXXX. When I looked over my final closing paperwork, I noticed a lien against my name from Kubota Credit Corporation with a file date off XX/XX/XXXX and a lapse date of XX/XX/XXXX. It appears that this company is out of Texas ( XXXX XXXX XXXX XXXX TX XXXX ) and finances lawn mowers and tractors. I have never financed any such items ( I live in XXXX! ) and have no need for any such items. I believe this lien is in error or fraudulent. I contacted the company and spoke with a XXXX in the finance department at XXXX ext XXXX on Monday, XXXX XXXX. Nobody from the company could identify what this was on their end. XXXX informed me that he would look into the matter and follow up via email. He did not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Kohls refuses to apply a credit receipt to my account in the amount of {$70.00}. See attached credit receipt and the current account history. I've tried three times to have an agent assist me, to no avail. The third time, I requested a supervisor and was abruptly disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These inquiries does not belong to meI also have no knowledge of obtaining any of the inquiries listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute the incorrect reporting of my credit balance by XXXX XXXX XXXX. Within just 5 days, my credit was reported to have a balance of {$60.00} and {$310.00}, when in fact my actual reported balance was {$0.00}. I have no idea why my credit was reported in this way, as I have not made any recent purchases or payments. This error is causing me great frustration and concern, as it could negatively impact my credit score and financial standing. I kindly request that XXXX XXXX XXXX  investigate this matter and correct the error as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have an open complaint about American Express, XXXX I called XX/XX/XXXX XXXX ET asking to speak to the supervisor who left me a voicemail 2 weeks ago. I called last week and still have not received a call back. 
They once again told me someone would call me within 3 days. I asked for the department and contact for service of process as requested by my lawyer. Amex refused to give me this information. This is highly inappropriate to withhold this information and likely illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: NY

Complaint narrative:
As of XX/XX/2023 I have noticed fraudulent accounts and inquiries on my credit and consumer reports and other consumer reporting agencies. These fraudulent accounts must be removed permanently and indefinitely in my ftc reports its listed incorrect names addresses and employment this is grounds for removal!!! 

FAIR CARES ACT DISPUTE Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 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: NY

Complaint narrative:
As of XX/XX/2023 I have noticed fraudulent accounts and inquiries on my credit and consumer reports and other consumer reporting agencies. These fraudulent accounts must be removed permanently and indefinitely in my ftc reports its listed incorrect names addresses and employment this is grounds for removal!!! 

FAIR CARES ACT DISPUTE Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: NY

Complaint narrative:
As of XX/XX/2023 I have noticed fraudulent accounts and inquiries on my credit and consumer reports and other consumer reporting agencies. These fraudulent accounts must be removed permanently and indefinitely in my ftc reports its listed incorrect names addresses and employment this is grounds for removal!!! 

FAIR CARES ACT DISPUTE Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

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