vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have a bankruptcy reporting to my XXXX credit report. The bankruptcy is not showing on XXXX or XXXX. My name is also spelled wrong with the bankruptcy reporting to my credit report I have also reached out to the courts filed disputes and reached out to lexis nexis they also are stating I do not have any public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I called Ally Auto around XX/XX/XXXX and spoke with an agent about creating a deferment since I lost my income but have another job Im about to start. He told me that I would have a payment due XX/XX/30 of XXXX and then XX/XX/30 XXXX. He then told me to try to make a payment within ten days of XXXX. I told him I probably wouldnt be able to make the payment, but asked if it would affect my agreement if I couldnt. He said no thats fine. I then received a letter in the mail stating my agreement was canceled because they didnt receive the XXXX. So I called and told the agent that I had spoken to someone and they said it was fine if I didnt make the XXXX payment. The new agent told me that was incorrect and the first payment wouldve been required. 
I asked them to listen to the call because an agreement was made on the recorded line and they said they would call me back within 24-48 hours. Instead, I receive ghost calls where they hang up as soon as I answer. Ive sat on hold for hours but only get agents that seem to not be able to hear me or just hang up. Ive tried numerous times to handle this matter with the company directly.

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 2022-10-21 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XX/XX/2022 Dear Sir or Madam : I am writing to file a complaint against Eqifax , Inc. I have contacted Equifax multiple times to receive my free annual report including by mail, fax, online, and over the phone over the past few months. I am being told to send copies of my driver 's license, social security card, and a current utility bill to Equifax to verify my personal info, which I have done more than once now and I have the transmission reports to show. The last fax I sent to them with my documents was on XX/XX/2022 to the fax number ( XXXX ) XXXX. Each time I contact Equifax to resolve this matter I have been told to either wait more time for them to receive my documents or to try and send them again. I appreciate your help in this matter. 

XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Cell : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Informed Nissan of issues with used car purchase. Prior attempted to obtain financing with Nissan for a new vehicle. Credit denied ; although, I have a satisfactory payment history with another vehicle lender, XXXX XXXX for a period of 3+ years. The XXXX I owned started misfiring ( check engine light was on ) around the 3 year mark when lease ended. Contact XXXX to determine if this was something that was covered as XXXX XXXX XXXX covered the engine for life ; however, now XXXX XXXX XXXX is no longer known by that name. Name has since changed to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: NY

Complaint narrative:
In accordance with the fair credit act account # XXXXXXXX XXXX XXXX  has violated my rights. The late payment reporting date XX/XX/2021 is inaccurate.I never made late payments. During covid a lot of peoples info was mixed up .It needs to be deleted.also inquiries XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. During Covid the data beach has my info exposed. I put fraud alert on my report and filed a identitytheft.gov report.These inquiries need to be deleted. 
Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 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. 
15 USC 6802 b b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

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 2022-10-21 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: LA

Complaint narrative:
Equifax credit bureau/equifax stated they updated an address. I did not contact them about an address. They are not reading my complaints and sending templates once again. I reached out to delete the accounts that the investigation was pasted 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JP Morgan Chase has abused its digital relationship & misused my credit report by repeatedly misusing my informations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: OH

Complaint narrative:
Fraud complaint for XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX From XX/XX/XXXX until XX/XX/XXXX I was XXXX in XXXX XXXX. I own an XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Ohio XXXX and prior to my XXXX I had some guy living in XXXX XXXX XXXX at XXXX XXXX XXXXTo my understanding aroun
d XX/XX/XXXX he moved for none payment of rent. 

Then im not for certain because i was XXXX since XX/XX/XXXX and i didnt have any contacts with anyone on the outside. So i don't know if this unit was occupied or not but i have a bill from XXXXXXXX XXXX stating i owe them {$550.00} for XXXX XXXX XXXX at XXXX XXXX XXXX ohio XXXX for services from XXXX. 

I didn't authorization anybody to turn on any any utilities new utilities in my name. Therefore, I don't feel I'm entitle to owe this bill. 

XXXXXXXX XXXX has told me that I called them with my personally information. That's totally not true. In XXXX you can't make three way calls because the phone will automatically hang up and you have to have people on your call list approved to even talk to them. 
Along with this complaint I'm sending a copy of both my XXXX papers, my release papers to the XXXX XXXX XXXX and a copy of my police. 

I will also send a copy of the fraud report that XXXXXXXX XXXX  sent me. It States if the property is commercial or if I'm the owner they can't investigate it. When I called XXXXXXXX XXXX they knew they property was commercial and they knew I owned the unit. So i take that as if they're saying they're not going to look into this fraud account against me. 

I'm also at the point of believing cause I've told these companies I was XXXX they're holding that against me and prejudice in a different way

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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: GA

Complaint narrative:
XXXX XXXX is reporting inaccurate data to Experian : XXXX negative date is XX/XX/2016 according to their data, XXXX XXXX is reporting to Experian XX/XX/2016 as XXXX negative date. 

XXXX  stated a XXXX amount due, XXXXXXXX XXXX is reporting to Experian a balance of {$45000.00}. 



XXXXXXXX XXXX  is required to report all accounts to the credit bureaus fairly and accurately per the Fair Credit Reporting Act. Unfortunately, unless the credit mark is verified to be a result of bank error, courtesy removal requests do not align with the fair credit reporting rules and regulations. 

THIS IS A HUGE ERROR, THIS DOES ALIGN WITH THE FAIR CREDIT REPORTING RULES

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 2022-10-21 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: WA

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX advising that a new collection was reported to the credit bureau. I checked the alert and saw that a company called XXXX XXXX XXXX is reporting a collection debt under my credentials. This was a complete surprise to me since there was never any kind of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/XXXX which is fraud. 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 to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that a consumer reporting agency can not furnish an account without my written instructions.

I have been a victim of identity theft and my name and SSN have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: SC

Complaint narrative:
I have a credit card account that is not being reported on my credit profile. It is reporting on XXXX and XXXX, but missing from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD bank is reporting inaccurate data to XXXX : XXXX negative date is XX/XX/2016 according to their data, TD Bank is reporting to XXXX XX/XX/2016 as XXXX negative date. 

TD stated a XXXX amount due, TD Bank is reporting to XXXX a balance of {$45000.00}. 



TD Bank is required to report all accounts to the credit bureaus fairly and accurately per the Fair Credit Reporting Act. Unfortunately, unless the credit mark is verified to be a result of bank error, courtesy removal requests do not align with the fair credit reporting rules and regulations. 

THIS IS A HUGE ERROR, THIS DOES ALIGN WITH THE FAIR CREDIT REPORTING RULES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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 very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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: FL

Complaint narrative:
I have requested an proper investigation to EQUIFAX, XXXX AND XXXX regarding an account for 5 months since XXXX XXXX after XXXX followups XX/XX/2022 XX/XX/2022 XXXX XXXX and also XX/XX/2022 and XX/XX/2022 i still havent received the requested information. Also, i have pointed out numerous errors [ ie. billing dates, balances and etc ] regarding the charge off account showing on my credit report requesting them to be removed this has caused detrimental effect on my health and welfare [ ie. billing dates, balances and etc ].

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I feel like im being taken advantage of and being ignored of my disputes. I am not receiving adequate valid verification. I have not received any documentation to corroborate the claim for this negative listing on my XXXX and XXXX XXXX XXXX I am asking to be provided with any and all documents bearing my signature that legally binds and contractual obligation for this account. Absent of these documents you are illegally reporting this negative listing and will be liable to me for the stress this has caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2022-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
Hello, you sent me a paper that looks I owed XXXXXXXX XXXX after credits but when I check my account about this issue it shows me that the balance is XXXX. 
The issue belongs to the date of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My wife has been an authorized person on the mortgage for a very long time We have been attempting to get a loan modification and all of the assistance available for home retention. However this process hasn't been the easiest to follow through with due to the fact that Bank of America is inconsistent in communication, there is always an excuse or upon the state of almost completing the modification process there's always things missing even though documentation has been sent more ways than one. On top of that when my wife has corresponded on my behalf due to my absence with the military, assistance hasn't been accurately provided nor have viable solutions been obtained because there isn't consistent communication on behalf of Bank of America. We have never wanted to lose our home. But there are solutions available to aid in keeping the home but, no one has bothered to follow through with my wife which has placed us in an incredibly hard spot.

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 2022-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XX/XX/XXXX i received a check for XXXX from PHH mortgage company stating overpayment. I called they said they were not responsible for paying my taxes and I never paid anything in escrow towards my taxes. I have a years ' worth of their statements showing monthly escrow for taxes and Insurance. They did not pay my XXXX taxes even though I paid towards them in closing. They cancelled the check, but the money has NEVER made it back into my escrow account and they have now changed my payment from XXXX to XXXX. I have called repeatedly and spoke to multiple escalation managers, and it is still not fixed and my money is missing!!! I have a tax bill from XXXX and XXXX is due in XXXX months. I just had a Escalation manager get on the phone and tell me to shut up and if I want the call to go MY WAY I better be quite and listen to him, Employee IDs ... XXXX XXXX XXXX, XXXX. 
I need help as they seem to believe they can do whatever they want with my money and mortgage. PHH MORTGAGE HORRIBLE BUSTOMER SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Lenders are unable to pull credit report due to XXXX XXXX. I have sent Identity documents via fax and through the mail on several occasions. Error Code on online Equifax account : XX/XX/XXXX.. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have requested an proper investigation to XXXX, TRANSUNION AND XXXX regarding an account for 5 months since XXXX XXXX after XXXX followups XX/XX/2022 XX/XX/2022 XXXX XXXX and also XX/XX/2022 and XX/XX/2022 i still havent received the requested information. Also, i have pointed out numerous errors [ ie. billing dates, balances and etc ] regarding the charge off account showing on my credit report requesting them to be removed this has caused detrimental effect on my health and welfare [ ie. billing dates, balances and etc ].

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 2022-10-21 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: FL

Complaint narrative:
I have requested an proper investigation to XXXX, XXXX AND EXPERIAN regarding an account for 5 months since XXXX XXXX after XXXX followups XX/XX/2022 XX/XX/2022 XXXX XXXX and also XX/XX/2022 and XX/XX/2022 i still havent received the requested information. Also, i have pointed out numerous errors [ ie. billing dates, balances and etc ] regarding the charge off account showing on my credit report requesting them to be removed this has caused detrimental effect on my health and welfare [ ie. billing dates, balances and etc ].

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 2022-10-21 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 very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation