vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : 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 2022-01-31 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : MEDICAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
I got scammed, i sent {$650.00} to XXXX XXXX on XX/XX/2021 and on the XXXX receipt for the transaction it says, this payment is to investigate my sister XXXX XXXX. I never received anything from this man so i first tried filing with XXXX but they are helping the thieves because they first said they couldn't help because it was a transaction among friends then when i pointed out what my receipt says they just ignored me. I cantacted us bank and they refused to do anything stating they had no proof that this money was for services, i sent them the receipt and called them over and over. In the end they admitted the only reason they wouldnt refund my money was because it went through XXXX and they knew XXXX wouldnt help me

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp
State: TX

Complaint narrative:
Contemporary Information Corp. ( CIC ) as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S.Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). Contemporary Information Corp. ( CIC ) is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a secured credit card account with Citi Bank about 1 year ago and sent in a {$500.00} deposit in order to have a {$500.00} credit line. Last month Citi decided to close my account due to a returned payment I had which I fully understand is well within their right. My current balance is {$590.00} and the account is now closed. I just inquired with Citi when my {$500.00} deposit will be applied so that I can pay the remaining {$96.00} and wipe my hands of them as a company. I was informed that I am required to pay the full {$590.00} balance off BEFORE they will send me my {$500.00} deposit which means for the next 6-8 months they will be making interest off my balance that Im paying AND off the {$500.00} deposit that I had given. This policy seems predatory at best and at worst illegal.

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 2022-01-31 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: TN

Complaint narrative:
Equifax is reporting 4 bankruptcies on my report that I have been dismissed a long time ago. I have sent multiple validation letters to them requesting to send me who've they verified these accounts with so I can follow up with any third parties as well. Equifax have failed to send me their method of verification process. I have sent them 8 letters since XXXX of 2021. I've included the letters I have mailed to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


SELECT PORTFOLIO SER XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This NORDSTM/TD XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

NORDSTM/TD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


OCWEN LOAN SERVICING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

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 2022-01-31 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: CA

Complaint narrative:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


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 2022-01-31 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: CA

Complaint narrative:
Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: Grain Technology, Inc.
State: GA

Complaint narrative:
YOU ARE BREAKING THE LAW UNDER THE FCRA! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that is reporting incorrectly. 
The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 
Grain Technology The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681a 2 ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( Grain Technology ). Making the report is NOT INCLUDED on my consumer report! 
Utilization is an experience with a line of credit that was extended between the consumer ( ME ) and the person ( Grain Technology ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer report! 
Grain Technology HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states in NOT INCLUDED on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the account. 



Failure to respond satisfactory with the deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings
State: TX

Complaint narrative:
CoreLogic Rental Property Solutions as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S.Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). CoreLogic Rental Property Solutions is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation.

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 2022-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland funding was collected a debt of {$2200.00} on account number XXXX. They collected this full amount through wage assignment receiving with the final installment on XX/XX/2021. They have not corrected the outstanding amount and it is negatively impacting my credit scores. I have disputed this amount but the responded that the full balance is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Westcreek Financial
State: TX

Complaint narrative:
On XX/XX/21 I called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX about the way my truck was acting and sounding, and he told me to bring it in. I took my truck to XXXX XXXX XXXX XXXXXXXX XXXX and the next day he called and said that my truck transmission needed to be replaced the total amt charged was XXXX. He told me that I needed to take out loans to cover the cost for the transmission and labor to replace the transmission. The first loan that I took out was from West Creek Financial Inc. ( lease # XXXX ) in the amt. of XXXX. XXXX XXXX stated that amt. that West Creek Financial Inc. approved was not enough, so he then told me that I would have to take out other loans to equal the total amount owed. The money from the loan went to XXXX XXXX, I never received any of the money from the loan. He never told me that he would be the one collecting the loan money from the bank, and he also didn't not mention to me that the loan information would be reported to the credit bureaus. I was not aware. My truck stayed on XXXX XXXX XXXX XXXX XXXX lot until XXXX XXXX and was never touched and no repairs had been done. After XXXX XXXX received the total amt. needed to repair my truck, he still never purchased or replaced my transmission in my truck. I never heard from XXXX in months, so I went by XXXX XXXX XXXX XXXX XXXX to inform XXXX XXXX that I wanted to come and get my truck. He then told me that in order for him to release my truck to the wrecker service that I would have to pay him an additional XXXX on top of the XXXX from West Creek Financial Inc. that he received from the loan / banks for no work done to my truck at all. The transmission was never purchased or replaced in my truck, my truck had never been touched.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. this has been a rough times during the covid 19 pandemic and its been hard

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: CA

Complaint narrative:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately.

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