vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under employers, Experian has a comment called SECOND INCOME. I have been retired for 6 years and not worked for over 7 years.

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 2022-09-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Accounts : DEPT OF ED/XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX. 
Inquiries : XXXX  : XX/XX/2021

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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax has my named spelled incorrectly. They told me to correct the problem I needed to fax a letter along with my ID and social security card. I have faxed it twice and the spelling is still not corrected. They have my name spelled XXXX and it is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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:
XX/XX/XXXX 1.Experian has on my report double information ... XXXX XXXX is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

2.Experian has on my report double information ... XXXX is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

3.Experian has on my report double information ... XXXX XXXX  is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

4. Experian has on my report double information ... XXXX XXXX is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

ALL 4 OF THE ABOVE ONLY RAN MY CREDIT ONCE IN XXXX AND EXPERIAN HAS IT ON MY CREDIT REPORT TWICE, IDENTIAL ITEMS TWICE, THEY NEED TO CORRECT THIS IMMEDIATELY! There is no reason that a double credit check would have been ran on the same month, I only purchased ONE CAR! 

XXXX want my credit report to reflect 1 CREDIT CHECK from each one below not 2. Two credit checks were not done ONLY 1 WAS DONE FOR EACH BELOW IN XX/XX/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 2022-09-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Accounts : DEPT OF ED/XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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 2022-09-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report is not up to date, Experian boost will not let me boost XXXX, I have paid XXXX since XXXX, 3 months and I want it on my Boost and I want my account up to date

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 2022-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CarMax, Inc.
State: PA

Complaint narrative:
Carmax Auto Finance Balance {$21000.00} Original Balance {$20000.00} Acct no XXXX Date opened XX/XX/2022 Type Auto Loan Monthly Payment {$480.00} Term 73 months This car account is not mine. I never financed a loan with Carmax. The car I financed is currently with another company that has nothing to do with this company on my credit. Carmax is not listed on my registration. I have tried to pay off this loan and somehow Carmax has listed as the lien holder, yet another company is listed as the register. I have contacted Carmax and they have not fixed this problem or provided documents. This report is fraud. I am not able to sell this car or get out of a loan due to Carmax negligence. Carmax stated the car was listed under a bank and the listed bank is not releasing the car or responding. Carmax has placed this car as a charge off on my credit report. Carmax has reported late payments on my report falsely. Also, this report dates are incorrectly reported, the late payments are incorrectly reported and the company is not correctly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
I currently have a collection that appears on my XXXX and XXXX credit file from Bay Area Receivables. They are located at XXXX XXXX XXXX XXXX XXXX, MD XXXX. Their Phone Number ( XXXX ) XXXX. 
I used a professional credit company to dispute this collection and they refused to remove the debt or provide any additional information regarding the original creditor. The original creditor is XXXX XXXX XXXX which I have no idea who this company is and have never had any dealings with them. When I called directly to Bay Area Receivables an gave them the account number that is listed on my credit file they asked if I was XXXX XXXX. My name has never been XXXX XXXX, my maiden name nor married name. They then proceeded to tell me that the only way they could verify the debt is for me to give them my Social Security Number! There is no way I am giving my SS # to a company that doesn't even have my name correct nor has ever sent me correspondence directly regarding this collection that appears on my credit file. The collection is from XX/XX/2016. Well past the statute of limitations. I believe I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I have been having nothing but trouble with my escrow account ever since Freedom Mortgage took over my mortgage. I know about escrow accounts, i am in the mortgage industry myself. I paid the shortage in XX/XX/2022, they adjusted the payments to reflect the change in my home insurance which i had to call them about and tell them to apply it to escrow. and now they send me another escrow statement 3 months later stating that my insurance went down, that i still have a shortage and that my payment is about to go up in XXXX. when i called them yesterday they were extremely rude they put me on extremely long hold times, when the lady came back all she did was reiterate what was stated in the escrow statement. even when i told them everything i have done since XXXX, the insurance went down the taxes never changed, and that their math was incorrect. she still argued with me and kept me on hold until i had to hang up and go to work. This is an ongoing problem and i would like to have them investigated.

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 2022-09-29 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: MA

Complaint narrative:
All this accounts was never late, please update inaccurate information and this is greatly affecting me and my personal life. I request that you update the following information. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: NY

Complaint narrative:
XX/XX/2022, I tried to make a shipment worldremit this company is locate in XXXX, but the transaction failed, no type of receipt or transaction number was generated because it was not made, however the company took the money from my credit card XXXX. / XXXX us x XXXX = XXXX us times, the customer services don't give me any options in my case, I sent emails but They always send me to the costumer service page but it is impossible to communicate with the company. My bank said they can't do anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Veros Credit, LLC
State: SC

Complaint narrative:
Car installment loan with Veros Credit and XXXX XXXX in XXXX NC. 
XXXX XXXX  sold me a car they knew was not going to work, when the check engine light came on after a week of the purchase I was told that the vehicle had patch work done and the car salesman also pressured me into getting an extended warranty. They sold me this vehicle under false pretenses, I reached out to veros credit numerous times and they are not trying to fix this problem. They have repossessed the broken vehicle 2 times, and refuse to hold the car brokerage accountable for selling me a car under a fictitious sale, they knew this car was going to mess up. It didnt even last a month after purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax wants me to send in the mail to them a copy of my Social Security Card, Drivers License and other items just to update my information as I can not remember my log-in for the online account. ARE THEY NUTS, WHO WOULD EVER SEND THIS INFORMATION THROUGH THE MAIL, WOULD YOU? I WILL NOT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: AES/PHEAA
State: DE

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Hello, I have a lawyer and will be suing USAA for wrong doing of disputes. They tried to say it's my fault but this info is nit true at all. Also XXXX will not allow my husband to transfer his VA money into his acct which us ABSOLUTELY INSANE AND NOT RIGHT! THAT VA THAT WAS DEOOSITED THIS MORNING NEEDS TO BE TRANSFERRED ASAP. WE HAVE 4 CHILDREN AND DO NOT HAVE ACCESS TO THE ACCT. I will be having my lawyer contact usaa as well to get this resolve. USAA HAS ALSO BEEN IN THE NEWS FOR TAKING MONIES FROM ACCT HOLDERS. I will make everyone aware if Usaa and don't recommend them to anyone. It's not fair how they treat there customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I was attempting to pay ahead on my monthly XX/XX/XXXX Loan payment with partial payments through out the XXXX XXXX XXXXXXXX ( smart way to reduce interest ). I paid {$220.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, and was going the pay the XXXX XXXX. I only saw my {$220.00} payment applied as principal and my XX/XX/XXXX was never applied. 

I reached out to them on XX/XX/XXXX requesting that they reapply my XX/XX/XXXX payment and advise that my XX/XX/XXXX payment was never applied. 

They told me that they don't accept partial payments ( loan is current ) and that they returned my {$200.00} payment from XX/XX/XXXX ( not yet credited to my bank account ). 

It seems illegal for a mortgage company not to accept partial payments on a current loan. 

Can you help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
Warrants were taken XX/XX/2022 without ever contacting me concerning debt that was purchased by their client who also violated proper notification. I never received or new anything about this attorney. I'm now being told that a 3rd party purchased debt for a low cost and now suing me for large amount plus interest XXXX XXXX XXXX law firm failed to properly notify me on what they were doing or debt. I received no written notices, just 5 written warrant in debt letters. I immediately contacted them but it was too late. Even now I'm being served by the sheriff after requesting to go through the dispute process. I spoke to someone who said they sent 1 letter. In which I don't believe, because his story changed after I hammered them for violating the law. They are simply taking advantage of people in horrible times. 

Additionally credit corp solution sent me ONE debt notification only! in which I properly disputed in writing. They ignored my written dispute, gave it to an attorney. The attorney immediately obtained a warrant in debt that I had no idea they they had and sent me a dispute letter 2 days later from credit corp. What??? This is horrible... the two companies are working together to hurt people bad. This needs to stop. They are running around purchasing debt for pennies and suing for large amounts as of consumers brought from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Account : XXXX # XXXX. 
Inquiries : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 2022-09-29 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: DE

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

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 2022-09-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Account : XXXX  # XXXX. 
Inquiries : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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 — Investigation took more than 30 days
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Around XX/XX/XXXX Nelnet reported during the period of student loan payment suspension to the credit bureau a balance increase of my loan and my loan was 90 DAYS past due. Nelnet never sent any documentation or notified me in writing that my bill was past due. I never received anything in writing with a date that my payments would resume and I did not agree to start making payments during this time. This has caused my Credit Score to Drop XXXX points and damaged my perfect payment history overall on my report.

Company response to consumer: Closed with explanation