vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
im in the process of starting my own business iam unable to obtain a business loan because of the bankruptcy that is on my report the bankruptcy has been XXXX since XXXX it has reached the 7 year mark

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 2024-02-11 00:00:00
Product: Credit reporting 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: TX

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : I am going through identity fraud which is why I have a fraud alert on my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting 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: TN

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

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 2024-02-11 00:00:00
Product: Credit reporting 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:
On XX/XX/ I discovered information on my credit report that was not mine some addresses and accounts I then on XX/XX/2023 sent certified mail an identity theft dispute the credit reporting agency has failed to provide accuracy to my credit report by allowing fraud to be reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
On XX/XX/2023 I initially contacted XXXX XXXX XXXX XXXX for a hardship request for my account. I then spoke to a " Collections XXXX  '' who had me email over documents and never heard anything back. I then started to receive phone calls asking why I had not paid. When I told them I filed for a hardship on my account, I was then told I was good to go. These calls continued for approximately a month until I was told there was no knowledge of this. On XX/XX/2023, I then spoke to another " Collections XXXX '' and they had me resend the documents and restart the process. It was then approved a few days later which led to me being allowed to skip the payments for XXXX and XXXX. 

Following this, I was then reported as >30 days late on my credit report. On XX/XX/2023 I filed a dispute with the two credit reporting agencies that my auto loan is being reported to regarding the reporting of a late payment for XXXX. I then received notification that my account was being reported accurately and this is not true. 

According to the FCRA : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
On XX/XX/XXXX XXXX I initially contacted XXXX XXXX XXXX XXXX for a hardship request for my account. I then spoke to a " Collections XXXX '' who had me email over documents and never heard anything back. I then started to receive phone calls asking why I had not paid. When I told them I filed for a hardship on my account, I was then told I was good to go. These calls continued for approximately a month until I was told there was no knowledge of this. On XX/XX/XXXX XXXX, I then spoke to another " Collections XXXX '' and they had me resend the documents and restart the process. It was then approved a few days later which led to me being allowed to skip the payments for XXXX and XXXX. 

Following this, I was then reported as >30 days late on my credit report. On XX/XX/XXXX I filed a dispute with the two credit reporting agencies that my auto loan is being reported to regarding the reporting of a late payment for XXXX. I then received notification that my account was being reported accurately and this is not true. 

According to the FCRA : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
From XX/XX/ to XX/XX/ my score went down XXXX XXXX. It says I must have been late on a payment. Rather than being late I paid an extra {$6500.00} on the loan. I am paid in advance. I have never made a late payment. I disputed with XXXX XXXX, XXXX and Trans union. The all responded back that I have never had a late payment and I am even paid in advance but my credit score has not been adjusted back up.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
From XX/XX/ to XXXX  my score went down XXXX XXXX. It says I must have been late on a payment. Rather than being late I paid an extra {$6500.00} on the loan. I am paid in advance. I have never made a late payment. I disputed with XXXX XXXX, Equifax and XXXX XXXX. The all responded back that I have never had a late payment and I am even paid in advance but my credit score has not been adjusted back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the reporting of my account, Account # XXXX with Avant/WebBank opened XX/XX/XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 16 CFR 313.7, 15 USC 1666a and 15 USC 1681 . I have sent the aforementioned company opt out notices and they have, and are, violating my rights by not complying with my opt out notices. Ive sent these notices to XXXX different addresses identified as Avants ' Creditor Information addresses from my credit reports. 
I have requested XXXX, XXXX and XXXX remove any and all information associated with my Avant Account # xxxxxxxxx due to violations being committed per regulations and laws under the Fair Credit Reporting Agency ( 15 USC 1681 ), The Privacy of Consumer Financial Information ( 16 CFR 313 ) and the Privacy Act of XXXX ( 15 USC 552a ) to no avail. Along with numerous other violations, XXXX reports the account with on time payments in XXXX of XXXX, while XXXX reports payments 30 days late in XXXX of XXXX and XXXX has no payment history available. Also, XXXX has the account remarked with Unpaid balance reported as a loss by XXXX XXXX, transferred to another lender, XXXX has it remarked as Purchased by another lender and XXXX has it remarked as Charged Off Account. In addition, XXXX, XXXX and XXXX each have different addresses listed as XXXX XXXX XXXX. I, once again, am formally requesting XXXX, XXXX, and XXXX the remove the XXXX XXXX Account # XXXX opened XX/XX/XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
On XXXX XXXX XXXX, I disputed the reporting of a voluntary repossession by Credit Acceptance to Equifax and requested removal from my credit, on the grounds of a class action lawsuit ( which I am also a part of ) against XXXX XXXX for purposely hiding costs from consumers in loan agreements, deceptive and extremely predatory lending practices, unfair treatment of consumers, violating XXXX code, unlawful repossessions, and abusive communication practices. Instead of investigating the dispute, Equifax denied my removal request and closed the dispute on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See attached letter to Experian Documents to identify myself will be submitted if necessary

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
im in the process of starting my own business iam unable to obtain a business loan because of the bankruptcy that is on my report the bankruptcy has been XXXX since XXXX it has reached the 7 year mark

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Conn's, Inc.
State: TX

Complaint narrative:
I just pulled my credit report and found out Conn 's has been ongoing pulling a soft inquiry on my credit. Once a month since last year. I never asked them to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2024-02-11 00:00:00
Product: Credit reporting 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
I have disputed through transunion, XXXX, XXXX. It comes back accurate for this account through GM Financial. Account # XXXX. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting GM Financial to provide documentation and or contract with my signature on this debt and they have not responded. I will attach XXXX of the letters I have sent with this complaint.. This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit badly. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: LA

Complaint narrative:
United Wholesale Mortgage Nightmare since our mortgage was sold to this company. Nearly impossible to get someone on the phone. Representatives continually over and over and over give false information. During insurance change an advisor actually told us not to pay the insurance bc we had time until next year. We almost lost mortgage and insurance bc of this. They checked call records and indeed verified that we were told wrong info. Nearly lost insurance coverage had a day to pay!! Now we were told once that analysis on escrow wasnt going to happen until XXXX and had until XXXX to correct escrow deficit. Told we would have 45 days before mortgage went up and change became permanent. Analysis was done XXXX and it took 2 months for an Escrow Payment ( portion ) to be applied to escrow balance. Took nearly XXXX more calls in XXXX- told different information each time!!! Final call spoke to rep in escalation department said dont worry I know what I am taking about. He told me that that was just an early analysis and it wouldnt affect our monthly payments until XX/XX/24 but still not to worry bc a state analysis would be done again in XXXX and we still wouldnt have an increase until XX/XX/24. Said we would get a letter again with information and we would have 45 days after letter to pay shortage before mortgage payment went up! None of this is true! Our payment went up XX/XX/24 without notification by app or mail and increase was autodrafted from our account despite being told and receiving letter re new payments would increase XX/XX/24. Hence when I called rep final time who told me not to worry payments wont increase until XX/XX/24 and we would have all of XXXX to pay deficit before Payments go up. The unexpected auto draft nearly put us in overdraft. Attempted to call today XX/XX/24 office closed after XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My loan was sold from XXXX XXXX to Mr Cooper starting XX/XX/XXXX. I had autopayments set up with XXXX XXXX. During the transfer of the loan, the automated payment date was modified which resulted in the first payment having insufficient funds. Upon notification of the problem, I called Mr Cooper XX/XX/XXXX to make the XXXX payment and the representative walked me through setting up the auto payment on their web site so that future payments, including the XXXX payment would be automated on the date of my choice. 

A few days later, I used their website to verify my manual payment, however, the auto payment was not scheduled. So I called yet again and the rep said that he saw that I had set up the autopayment but that it was not showing up on my account on the web site. He had no idea why he could see that I had set up the payment but it was not showing on my web portal. So I went through the process again. 

XX/XX/XXXX, the following month I get XXXX mail that my account is deliquent. I log back into my account and there is no autopayment. XXXX the automated phone service is MADDENing. 

ALSO, my loan was transferred in XX/XX/XXXX and in the same month I get a notice from them that there was a security breach with my personal information. I would never use this company if I had a choice. I HAVE NO CHOICE, unless I want to refinance at a higher interest rate. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******

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 2024-02-11 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2023 of an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late in the last 2 years on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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