vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: FL

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 explanation
Consumer complaint received 2022-05-03 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: CITIBANK, N.A.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Accounts : XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States : I have a right to privacy. 


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


15 USC 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX ( amount {$2800.00} ) XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: FL

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 XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a paid off Car loan, XXXX XXXX. It showed up on all of my reports and now it completely disappeared from my credit report. The account was paid in full and I got no credit for it. It disappeared from XXXX and XXXX credit reports. It also never showed up on equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This Complaint has been reviewed and resubmitted by an CFPB agent who agrees this is not a duplicate compliant. This new complaint is in regards to an " overcharge '' for something I did purchase. Previous complaint was in reference to a charge made without my permission, which mad the initial compliant confusing. I am NOT disputing that I rented a car from said merchant. I am however disputing an overcharge. CFPB please be advised to disregard any duplication claim made by the credit card company known as CHASE Bank as another duplicate claim will result in legal action on my part. 

I am disputing an overcharge on a purchase I made with my credit card. I was charged for a car rental while out of the country. I returned the car to the same location in the same condition that it was picked up. The car was dropped off during off hours but I went back later to ensure that the car was attended to by an employee. I was given no indication that there were any additional charges at that time. I also agreed to additional insurance which did not have to be used at the time of return. I had an eye witness who provided a sign XXXX that during the entire rental time period the vehicle in question was not involved in any major or minor infraction. This is additional information that I had not included within my initial complaint as I found it to be irrelevant at the time since NO INCIDENT or INFRACTION had occurred. I am disputing the charge that is showing as " XX/XX/XXXX XXXX  XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX X XXXX ( XXXX RATE ) " showing on my statement as such to be damage to the vehicle. With the additional insurance I purchased this would have been covered if in fact there was damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the 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 2022-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vehicle Solutions Corp
State: TX

Complaint narrative:
On XX/XX/XXXX, I traded my old vehicle in to the XXXX XXXX XXXX dealership for a new car. The old car was a XXXX XXXX XXXX. XXXX XXXX took the old vehicle and paid it off to Vehicle Solutions Corp. ( car payment company for the old vehicle ). 
A few months later, I receive a bill from XXXX XXXX stating that I owe payments for the remainder of my auto installment loan for the XXXX. I called Vehicle Solutions Corp. and told them that I traded this car in and that I do not own this debt. 
Vehicle Solutions Corp told me that they were aware of the situation. XXXX XXXX was now affiliated with Vehicle Solutions. I asked the representative why I didn't receive any information about the new affiliation. Vehicle Solutions Corp stated that the payment from the dealership was sent to them when it should have been sent to XXXX. 
The representative also stated that they were working on solving the issue and that XXXX XXXX should have received the payment from the original dealership. 
I called back about 3 weeks later and nothing has been solved. The debt still shows that I owe XXXX XXXX for the auto installment loan. I call XXXX XXXX XXXX XXXX to speak with a supervisor and each time they tell me that the supervisor is either unavailable or gone for the day. 
I was also told that Vehicle Solutions and XXXX XXXX have been in contact with each other about solving the issue with the debt. 
After all this, I end up with a debt showing on my credit report for an installment loan that I do not own. The car was traded in and paid off from the dealership and sent to the car payment company. Due to the lack of communication and predatory collections tactics, I am a victim of false predatory credit reporting from XXXX XXXX. 
On XX/XX/XXXX, I receive a Release of Interest Letter from XXXX XXXX XXXX with my Installment Sales Contract stamped PAID. 
Now, I am left with a false credit report on my credit from XXXX XXXX with proof that they receive payment from Vehicle Solutions Corp. I am currently working on building my credit back up. It has dropped XXXX points since the false report from XXXX. 
XXXX XXXX had the payment the whole time but ignored my concerns and waited long enough so they could report a " past due balance '' to my credit. I believe I have been a victim to false credit reporting by predatory credit agencies.

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 2022-05-03 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMERICAN EXPRESS ACCEPTED PAYMENT TO SETTLE DEBT THEY RECEIVED PAYMENT AND REFLECT O BALANCE BUT SETTLED. I NEED TO ACCURATELY REPORT PAID IN FULL AND TO DELETE BASE ON AGREEMENT THAT WAS TOLD TO ME WHEN SETTLING ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
XXXX XXXX XXXX has falsely reported a credit card account from XXXX XXXX as open in the amount of {$310.00}. XXXX XXXX is no longer extending credit and the account is closed. 


XXXX. XXXX  violated FDCPA 15 U.S.C. 1692e ( XXXX ) ( A ) by falsely reporting the legal status of the account as XXXX to Equifax, XXXX and XXXX consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ). 

54. Defendant violated FDCPA 15 U.S.C. 1692e ( XXXX ) ( A ) by falsely characterizing the account status as " XXXX to Equifax, XXXX and XXXX consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
We purchased a new home in XX/XX/XXXX moving to a new state ( SC ). Property taxes were determined at a high non-resident rate ( 6 % ) or ~ {$4200.00}. Application submitted and approved XXXX XXXX shortly after for resident status and a much lower resident tax rate ( 4 % ) or ~ {$1800.00}. Request submitted to XXXX for a change in property taxes being escrowed in XX/XX/XXXX. They are escrowing ~ {$350.00} per month in taxes when it should be ~ {$150.00} and we are owed a refund for all the months since XX/XX/XXXX that we have overpaid. It is now XX/XX/XXXX and no resolution has been made. I have called XXXX a dozen times with all sorts of assurances this would be completed. Each time I called they said it is going to be another XXXX days for a response. They keep opening and closing work orders for this request with no update to provide when I call on. It is now XXXX  months later after a XXXX phone calls, emails, chats on their website, and patiently waiting. The latest work order was supposed to be completed on XXXX, now another work order is open for a XXXX completion date. XXXX has dropped the ball repeatedly over these XXXX months. A resolution is needed ASAP. Can we change loan servicers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
When shopping for a car you have XXXX and only get hit with XXXX hard inquiries if you have multiple hard inquiries within a XXXX period it should count as just XXXX hard inquiry. i got hit twice in XXXX month XX/XX/XXXX and XXXX XXXX thats XXXX  days apart that should not have hit me with hard inquiries multiple times. the companies are XXXX XXXX XXXX XXXX XXXX also XXXX XXXX and XXXX XXXX same companies : XXXX XXXX XXXX XXXX XXXX. Then XX/XX/XXXX and XX/XX/XXXX more multiple hits XXXX XXXX XXXX XXXXXXXX hit twice XXXX XXXX and should not have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: World Omni Financial Corp.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX violates my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX This account debt number is incorrect as my balance has reduced significantly and they have not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: VA

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. 

XXXX XXXX Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights. The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). 

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1XXXX XXXX XXXX XXXX # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX # XXXX ) Has violated my rights XXXX ( XXXX XXXX # XXXX ) Has violated my rights XXXX ( XXXXXXXX XXXX # XXXX ) Has violated my rights XXXX XXXX XXXX  # XXXX ) Has violated my rights

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