vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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: FL

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. 

Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX XXXX  XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX 's Account # XXXX Account Name : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to dispute inquiries along with inaccuracies with TransUnion. I will be providing the necessary documents to finally close this dispute out.

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 2022-11-29 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: CA

Complaint narrative:
I mailed a letter to you asking that you remove incorrect person information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy.

Also, according to the USC 6802, No financial institution isn't suppose to share my information to third parties. 

These are clear violations of my federally protected consumer 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
Consumer complaint received 2022-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have had several issues with Capital One Auto billing over the past few years, this car has had some MAJOR mechanical issues which at this point has cost me tens or thousands of dollars just to keep the car on the road. I began reaching out to Capital one alerting them to the financial issues I was having regarding the repairs on the car and it not being able to pass emissions or get new tags in Colorado, i believe I began calling around XXXX of XXXX. At the time I was hoping for some sort of relief or help due to the thousands of dollars I was spending to keep the car on the road, at that point my loan was current and I was told that I cant get any loan assistance unless the loan was delinquent. I then had more financial stresses in XXXX of XXXX, and called back again because it made no sense that I couldn't get assistance unless I was delinquent, unfortunately I was told the same thing. In XXXX I was unable to make my payment as I planned, so I reached out again and was told that I needed to have more than one month delinquent in order to apply for assistance, BUT not to worry when I got the assistance approved then Capital One would remove the late payments the reported at this time. Well that never happened. I was able to get the loan current on my own several months later in XXXX. I again fell behind on payments in XXXX of XXXX due to having XXXX, and my father and mother both being XXXX and lots of unexpected expenses I called and worked out a modification in XXXX and yet again the payments were supposed to be added to the back end of my loan, but as I can see from my credit report they have not been and are severely damaging my credit. At this point I have been able to struggle and get the loan back current and I would love to refinance and get away from Capital one, yet I cant due to the lates they are incorrectly reporting. I have also disputed these late payments again but decided at this point to reach out to the CFPB because frankly I feel like I get told what I want to hear from Capital one to appease me then they don't follow through on their end. Can you help me get this rectified, in both of these situation 's I could have borrowed money from family to make this account current but didn't want to burden family with that request if I could have worked it out myself, and both times I THOUGHT I did the right thing only to still be dealing with incorrectly reporting late payments. I by no means have been perfect and have fallen behind on several occasions but I contact the creditor and try and work out good faith plans, i just wish I had have known they were still going to continue reporting this incorrectly before it happened so I could have made a different choice. I now feel mislead and Coerced into paying late, creating late fees and more income for the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my final attempt to supply court documentation to XXXX ( XXXX XXXX # XXXX ) and TRANSUNION ( XXXX XXXX # # XXXX ) regarding a recent lawsuit with XXXX XXXX. An ORDER OF DISMISSAL WAS GRANTED by the court. The lawsuit was DISMISSED WITH PREJUDICE ; meaning, I DO NOT OWE the debt. Proper court documents are being provided AGAIN ( see attached ). I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.

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 2022-11-29 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: NC

Complaint narrative:
I have contacted the 3 credit agencies several times about the accounts on my consumer report. The transactions are not completed by me as the consumer. These accounts are hindering me to grow. I have asked the company to delete, block, or update the account to ( XXXX  ) Some of the companies have refused my letters as well. The companies are in clear violation. The accounts are listed as followed XXXX XXXX  both accounts, XXXXXXXX XXXX, and XXXX. My report is not 100 % accurate. I have filed an FTC report also see attachment for other attachments. I will be moving forward with a lawyer if I don't get my desired results with and monetary settlement in 4 days. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC
State: WA

Complaint narrative:
In XXXX I switched phone carriers from XXXX XXXX XXXX XXXX XXXX XXXX I retained my original cell number. In order to keep my number when switching, I contacted XXXX and closed out my account with a representative to ensure I completed all steps. I paid my final months bill of {$75.00} and the representative confirmed that was it. Several months later XXXX started calling saying I owed them that money and when I challenged it they put a collection on my credit. I disputed the collection and it was removed in XXXX. Now almost three years later I am again receiving harassing calls and emails from a collector claiming to be collecting that same {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
CHASE BANK has facilitated the financing of my vehicle, with the account number XXXX and VIN # XXXX I have rescinded the transaction via 15 U.S.C. 1635, to no response from the company.

They, along with the help of the consumer reporting agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non repayment thereof. This is a violation of 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, RICO.

I have demanded they cease communication with me with regards to this debt, per 15 USC 1692c ( c ), and they continue to make harassing phone calls and threatening statements.

I have demanded they validate the alleged debt, pursuant to 15 U.S. Code 1692 ( g ), and UCC 9-210, to which they have failed to do so.

I am reaching out to your office to hold this company accountable and to uphold my federally protected consumer rights.

Thank you for your time and attention to this matter. 

Respectfully, XXXX : XXXX, XXXX on behalf of XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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: CA

Complaint narrative:
I have tried to dispute inquiries along with inaccuracies with XXXX. I will be providing the necessary documents to finally close this dispute out.

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 2022-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX my Florida home at XXXX XXXX XXXX XXXX XXXX XXXX sustained substantial damage from hurricane Ian. On XX/XX/XXXX, I was issued a first check from my homeowners insurance company for {$56000.00}, XXXX XXXX XXXX Co. The check was made out to myself, my wife and my mortgage company, Citizens Bank. I was told by Citizens bank to have me and my wife endorse the check and send it to them at Citizens XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citizens gave me a claim number # XXXX. Their phone number is XXXX. I also sent them the loss report that was sent to me with the check. Citizens Bank has refused to give me back any of the money ( {$56000.00} ) because they say that there are missing pages from the loss report. I am enclosing a letter from the Claims XXXX at XXXX XXXX XXXX company where he explains that XXXX XXXX XXXX is not permitted to send the entire report because most of it contains personal information from the insurance company. I sent this letter and email to Citizens Bank. I talked to Citizens Bank today ( XX/XX/XXXX ) and they still refuse to send me any of my money back until they see the entire insurance company report. I can not start repairs to my home until I get this money. My home needs a new roof and the XXXX will not start until he receives the amount of money that was given to me by the insurance company for the new roof. I am still paying my mortgage payments to Citizens bank although my home has sustained much damage. Can you please help me with this situation. Thank you very much!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 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:
EQUIFAX has made false statements and causing harm to my personal reputation which is a defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: CA

Complaint narrative:
I mailed a letter to you asking that you remove incorrect person information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy.

Also, according to the USC 6802, No financial institution isn't suppose to share my information to third parties. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: CA

Complaint narrative:
I mailed a letter to you asking that you remove incorrect person information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy.

Also, according to the USC 6802, No financial institution isn't suppose to share my information to third parties. 

These are clear violations of my federally protected consumer 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
Consumer complaint received 2022-11-29 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: MD

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting invalid account. I have sent multiple dispute to no positive resolution. I decided to submit the submit via CFPB so it can go quick. 
Thave a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any 'credit repair ' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old.

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 2022-11-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( 1 ) Account name XXXX account number ( XXXX ) ( XXXX ) Account name XXXX XXXX XXXXXXXX account XXXX ( XXXX ) ( XXXX ) Account Name XXXX XXXX XXXXXXXX account XXXX ( XXXX ) ( XXXX ) Account Name XXXX XXXX account number ( XXXX ) 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 states a consumer reporting agency can not furnish an account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I applied for a personal loan of XXXX through a third party website on XX/XX/2022. I was notified I had been pre approved by One Main Financial. When submitting my application from One Main Financial I was notified it would be a hard inquiry on my credit report. I submitted the application and then was told I had been approved. The website now said I need to verify my income and upload other documents to continue. The documents needed to continue said : proof of auto insurance, pay stub, photo ID front, photo ID back, and vehicle registration. The application up to this point had never mentioned a vehicle was necessary for the application of the loan. I called One Main Financial to get clarity of why vehicle documentation was necessary to receive the loan I was approved for. The agent stated I applied for a collateral loan. I let the agent know I applied for a personal loan not a collateral loan. I was told the application was for an unsecured or secured loan. But I would not be able to pick which loan I wanted to apply for. This company falsely advertised the original loan I applied for which was a personal loan. The information the agent told me was not clearly stated on the application I was submitting. My credit report was pulled without my authorization. I wouldnt have applied for this loan if it had been clearly stated that applying for this loan would require collateral even after being approved, based off my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P.
State: CO

Complaint narrative:
so as of XX/XX/XXXX me and my spouse moved out and finished making our payments as of XX/XX/XXXX. we were not notified that we were being charged for cleaning services they provided. we recently received something in our mail ( sunday, XX/XX/XXXX ) claiming we owe them {$920.00}. we also called a few days prior to our last payment to make sure all we had to pay was the remaining balance of XXXX, and someone by the name of XXXX told us that that was the remaining balance we owed and that everything is going to be settled after that.

Company response to consumer: Closed with explanation