vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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: IL

Complaint narrative:
Hi I am submitting this 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 fico has me at a credit score over XXXXXXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive 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 n now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: U.S. BANCORP
State: IL

Complaint narrative:
There is a hard inquiry on my credit report that I ( XXXX XXXX ) did not inquire about

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 2022-07-15 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: IL

Complaint narrative:
XXXX XXXX XXXX  Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These items are in violation of 5 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: IL

Complaint narrative:
XXXX  XXXX  XXXX  Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These items are in violation of 5 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent

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 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: TX

Complaint narrative:
XX/XX/XXXX contacted Gregory Funding regarding taxes not paid and return of my escrow monies. They had not paid my taxes when they took over the loan on XX/XX/XXXX per documentation attached. There was enough in escrow at that time as the escrow was also transferred. I contacted Attorney XXXX XXXX and she had a hard time communicating with them as they were telling her she could not speak on my behalf even with me in the room giving permission. She was told in Texas that is against the law. However I did send them by fax, mail and portal a third-party authorization letter. Even with the letter they refused to talk to her. Our main thing was to get the taxes paid, find out who is my mortgage lender since Gregory Funding states they only service the loan, and return my excess in escrow funds. GF finally paid the taxes a day before legally Texas could of placed my account in foreclosure as they knew it would take a day or XXXX to process. Gregory Funding is very hard to contact. At XXXX am I am the XXXX caller. XXXX XXXX from Gregory Funding said my escrow would be in review in XX/XX/XXXX, however, that is over a year from having my account transferred to them. These people are not professional, and told me " well the taxes are paid now, everything is okay '' as if I was just to accept when they paid and be quiet. Also Gregory funding stated that XXXX held my mortgage, but they would not respond to attorney 's inquiry. Copy of attorney 's email to them is also attached. I also make additional payments to principal, but they put all extra monies into escrow and what they call an undetermined account. If I ask for monies to go to a specific place i.e. principal, then that is where they should go.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
KIA repossessed my car this morning @ XXXX on XX/XX/2022. I been on the phone with them since XXXX. I have kept in contact with them about my situations.. Ive had one request that has yet to be full filled. But the representative ( XXXX ) tells me I cant get my car back due to lack of residence but your able to find my car anywhere. I stated to XXXX the Representative I live in a XXXX XXXX XXXX & theres no physical address.. That address is confidential because you could be or know my assailant.. So I gave him the address where my mail goes.. He tells me.. Thats not good enough. Really! I asked XXXX how much I need to pay.. I have yet to get an answer. I want to speak to a manager he tells me 72 hrs is the window frame of one calling me back. So I asked him can I talk to the person who denied my request for my lack or residency. He said yes up to 72 hours XXXX call you back.. Wow! I need HELP, ANSWERS, & RESULTS!

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 2022-07-15 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: Texas Guaranteed
State: TX

Complaint narrative:
Creditor started listing student loans as in collections during period they were included in bankruptcy ( after I started voluntarily repaying them during COVID relief ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: TN

Complaint narrative:
I have a prepaid card from Netspend that was never activated. However, the card still has an active date. I can not activate the card because the company says that it belongs to someone else. I have the original packaging, the store receipt, the physical card, and an approval/authorization number printed at point of sale. I've spent several hours on the phone with multiple representatives. Each has dumped me into an automated system after I described the problem. The last representative stated that they could not help me. 
After multiple requests for supervisors and/or supervisor 's employee numbers, the representatives would terminate the call without warning. 
In summary, cash was spent on a prepaid card but the card was not activated immediately. The card has a printed expiration of XXXX. I have all necessary paperwork and the physical card. The company refuses to mitigate the problem despite receiving the funds ( prepaid ). The company refused supervisory information at my request. The automated system states that the card number is not valid.

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 2022-07-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have 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 2022-07-15 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: NC

Complaint narrative:
On XX/XX/2022, I requested an investigation into some items on my credit report that did not look accurate. At that time I requested the method of verification used to determine these account were accurate. I waited the XXXX days, but did not receive the documents as requested. I did receive a notification that some items had been verified, but was not provided the details or the documents used to verify. 

I requested a re-investigation on XX/XX/2022, and I received the same results.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2022 I submitted a letter to opt out of arbitration letter along with my personal information. As a consumer I believe it is my right to opt out. By opting out, I have a right to pursue legal matters if Experian does not obey Federal law. 

On XX/XX/2022, Experian responded by declining my request to opt out of arbitration. This a violation of my personal rights. 


As a consumer, I have the right of privacy and sue for any damages that XXXX cause me from living a life of intergrity. I believe my rights was violated based on the decision on Experian made to refuse my request of opting out of arbitration.

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 2022-07-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  # XXXX and XXXX  XXXX # 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 2022-07-15 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: NJ

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TX

Complaint narrative:
Check credit report and Equifax reaged an item XXXX  my credit report again and that is wrong. 

Per email they reported it XX/XX/XXXX and equifax reported it XX/XX/XXXX. 

Please help me get it corrected to reflect whast credit union stated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Creditor started listing student loans as in collections during period they were included in bankruptcy ( after I started voluntarily repaying them during COVID relief ).

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 2022-07-15 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  # XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

Company 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 2022-07-15 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  # XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

Company 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 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Whom It XXXX Concern, Fifth Third Bank is currently reporting to the XXXX major credit bureaus that my XX/XX/XXXX mortgage payment was paid 30 days late. I have attached a screenshot of my payment history which clearly indicates that actually XXXX payments were made in the month of XXXX. The first was XX/XX/XXXX for the XXXX payment, and XX/XX/XXXX for the XXXX payment. 

I have also attached a screenshot of Fifth Third 's reporting showing a XXXX late and " past due '' comments in XX/XX/XXXX. Since late payment reporting is for the previous month ( XX/XX/XXXX ), this is obviously an error. Because of these erroneous remarks, my credit scores were severely damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have been trying to login and pay my bill for months. They never sent me a plastic card said it was virtual that i didnt need it. Can not logon bc i dont have the card number. No one answers any if their phones. I have tried all the numbers i can find and it always says to call back later or picks up and nothing happens. Can not access my statement, account or anything else. Think fraud is happening, but can not see my balance to see whats due, login in website, or contact anyone by phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems Have used illegal practices, also this account was removed from My XXXX, XXXX, and XXXX reports then pops back up. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am filing a complaint and rude nature of the employees within America First Credit Union. Having spoken to multiple associates about a vehicle payment that this organization has refused to accept. Upon attempting to contact this organization to discuss this I have encountered rude and unprofessional people that refuse to provide information to the department heads and managers of this organization. 

On XX/XX/15 at around XXXX am I contacted America First to discuss a block placed on my account from making payments to my loan. I spoke to an individual by the name of XXXX who refused to provide information of corporate leadership at America First Credit Union. This individual lied and provided misinformation on multiple occasions during this call as well as refused to provide a supervisor and threatened to hang up on me. An unfortunate and disgusting display of professionalism by numerous employees in this organization. XXXX that obviously rewards mistreatment and unprofessional handling of its customers. Also Speaking to XXXX who instead of providing options chose to use the moment to again threaten and cause undue stress and anxiety. These employees are using their titles and positions to act as thugs and bullies of this organization. A threat to the mental well being of anyone that has to deal with their thug approach I have attempted to resolve the matter within this organization and instead have been met with threats and frustration. Instead of allowing me to work towards paying this bill the company has done multiple things to stand in the way or block me from being able to pay this bill. An absolute counterproductive resolution option

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I been trying to get this issues resolved since XXXX both credit bureaus ( XXXX and experian ) have refused to supply correct information such as original contract, original payment and dates regarding this collection account .I have sent supporting documents and they continue to allow an aged account to ruin my life. I have reached out to the original creditors with no response Per documents attached the account is from XXXX and was sold to a third party in XXXX. They re aged this account ever couple of years please see document below and resolve

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: NM

Complaint narrative:
Ive payed over XXXX for a XXXX loan in almost 3 years & theyre saying I still owe more and I cant afford this anymore its hurting me so much financially! Came to a settlement & later was told that there is no settlement & that there is still a balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Google Compare Credit Cards Inc.
State: UT

Complaint narrative:
Google pay is trying to collect a debt that was included in a XXXX  XXXX Bankruptcy a few years ago

Company response to consumer: Closed with explanation