vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: FL

Complaint narrative:
I asked the credit bureaus to do a thorough research of my credit reports and they did and stated that everything was accurate and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 15U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: MO

Complaint narrative:
In XXXX of XXXX I was in the XXXX XXXX XXXX my mortgage went delinquent. XXXX contacted me telling me i qualified for a loan modification. XXXX*THEY DID NOT INFORM ME OF COVID RELIEF OPTIONS. ******** I WAS NOT INFORMED THAT I QUALIFIED FOR COVID FOREBEARANCE OR ANY ASSISTANCE PROGRAMS. ******** ANY ATTEMPT TO SPEAK TO EXECUTIVE OFFICES OR PRESIDENTIAL UNITS WITHIN THE ORGANIZATION HAVE BEEN IGNORED. TO DATE I HAVE BEEN CONTACTED VIA PHONE ONE TIME. I WAS TOLD SIMPLY TO FOLLOW UP WITH MY ONLINE COMPLAINTS AS SHE COULD NOT HELP. XXXX is not FCRA compliant as they are violating item II ; A ; 5. " Considering the potential impact of the furnisher 's policies and procedures on consumers. " XXXX is not taking the time to investigate the situation and provide a fair resolution. XXXX to date has not researched my issue- they keep responding with the same generic responses. I was not advised of covid relief options. i was not advised of my qualification for multiple programs although XXXX was aware i was impacted by covidXXXX  XXXX was operating off of a denied modification package from fall XXXX and did not take the time to note the account accurately that i was having a second life event caused by XXXXI have XXXX discharge papers i am willing to provide as well.

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 2023-04-04 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In XXXX of XXXX I was in the XXXX XXXX XXXX my mortgage went delinquent. XXXX contacted me telling me i qualified for a loan modification. XXXXTHEY DID NOT INFORM ME OF COVID RELIEF OPTIONS. ******** I WAS NOT INFORMED THAT I QUALIFIED FOR COVID FOREBEARANCE OR ANY ASSISTANCE PROGRAMS. ******** ANY ATTEMPT TO SPEAK TO EXECUTIVE OFFICES OR PRESIDENTIAL UNITS WITHIN THE ORGANIZATION HAVE BEEN IGNORED. TO DATE I HAVE BEEN CONTACTED VIA PHONE ONE TIME. I WAS TOLD SIMPLY TO FOLLOW UP WITH MY ONLINE COMPLAINTS AS SHE COULD NOT HELP. XXXX is not FCRA compliant as they are violating item II ; A ; 5. " Considering the potential impact of the furnisher 's policies and procedures on consumers. " XXXX is not taking the time to investigate the situation and provide a fair resolution. XXXX to date has not researched my issue- they keep responding with the same generic responses. I was not advised of covid relief options. i was not advised of my qualification for multiple programs although XXXX was aware i was impacted by covid. XXXX was operating off of a denied modification package from fall XXXX and did not take the time to note the account accurately that i was having a second life event caused by XXXX.I have XXXX discharge papers i am willing to provide as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XXXX of XXXX I was in the XXXX XXXX XXXX. my mortgage went delinquent. XXXX contacted me telling me i qualified for a loan modification. ************THEY DID NOT INFORM ME OF COVID RELIEF OPTIONS. ******** I WAS NOT INFORMED THAT I QUALIFIED FOR COVID FOREBEARANCE OR ANY ASSISTANCE PROGRAMS. ******** ANY ATTEMPT TO SPEAK TO EXECUTIVE OFFICES OR PRESIDENTIAL UNITS WITHIN THE ORGANIZATION HAVE BEEN IGNORED. TO DATE I HAVE BEEN CONTACTED VIA PHONE ONE TIME. I WAS TOLD SIMPLY TO FOLLOW UP WITH MY ONLINE COMPLAINTS AS SHE COULD NOT HELP. XXXX is not FCRA compliant as they are violating item II ; A ; 5. " Considering the potential impact of the furnisher 's policies and procedures on consumers. " XXXX is not taking the time to investigate the situation and provide a fair resolution. XXXX to date has not researched my issue- they keep responding with the same generic responses. I was not advised of covid relief options. i was not advised of my qualification for multiple programs although XXXX was aware i was impacted by covid. XXXX was operating off of a denied modification package from fall XXXX and did not take the time to note the account accurately that i was having a second life event caused by XXXXI have XXXX discharge papers i am willing to provide as well.

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 2023-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
On XX/XX/2023 I called Gm financial to have my account notated to apply all future overpayments directly to the principle. 
The first customer service rep informed me that any overpayment up to {$200.00} would be automatically applied to the principle but anything over that would require a call every time. I asked to speak with a supervisor. 
The first supervisor reiterated everything the first CSR said. I asked for another supervisor.

The 2nd supervisor started out telling me that every overpayment would require a phone call to get it applied to the principle. After speaking for several minutes and informing them what i had been told by the previous customer service reps they changed their story to say that if I made 4 overpayments in a row, with calls, that on the 5th overpayment that i could call again and get them to apply all future overpayments directly to the principle... 

This seems like a very shady business practice to me. To put overpayments to the principle behind a phone call and subsequent wait time is to discourage early payoff first and foremost and secondly to misapply overpayments if the customer does not check on where the payment is applied. This puts too much burden on the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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:
I asked the credit bureaus to do a thorough research of my credit reports and they did and stated that everything was accurate and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: GA

Complaint narrative:
I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2023-04-04 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: NY

Complaint narrative:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



I am writing this letter to dispute the following accounts : XXXX XXXX - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - UNAUTHORIZED - PLEASE REMOVE FROM MY CREDIT REPORT The following names aren't mine or correct- PLEASE R This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, 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 2023-04-04 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:
" n accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-04-04 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:
" n accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Tried to cancel card and refund annual fee. Barclays insisted that I needed to pay the annual fee in full, and would incur interest if the fee was not paid in full. 

Barclays should have refunded the annual fee and XXXX  out the account. It seems to be a system issue, and one that is unfair to the consumer.

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 2023-04-04 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: FL

Complaint narrative:
I have contacted all three credit Bureaus XXXX, Transunion and XXXX to have the incorrect information on my credit report deleted due to me being a victim of identity theft. I have mailed letters, called the companies and submitted numerous amounts of financial complaints to get this issue resolved. I feel as if my rights are being violated and as the consumer my right should be protected with consumer laws such as 15 U.S.C 1681 b. I feel like I'm being treated unfairly and my credit is suffering because of it. I have multiple negative items on my credit that is inaccurate that needs to be 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 2023-04-04 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: FL

Complaint narrative:
I have contacted all three credit Bureaus Equifax, XXXX and XXXX to have the incorrect information on my credit report deleted due to me being a victim of identity theft. I have mailed letters, called the companies and submitted numerous amounts of financial complaints to get this issue resolved. I feel as if my rights are being violated and as the consumer my right should be protected with consumer laws such as 15 U.S.C 1681 b. I feel like I'm being treated unfairly and my credit is suffering because of it. I have multiple negative items on my credit that is inaccurate that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I was a tenenent at XXXX XXXX. They rented me a new apartment to me at another location. I was supposed to move in to unit XXXX at my new building but it was not ready so I was asked to take unit XXXX. 

For months after i had been emailing management at XXXX XXXX about my security deposit and received no correspondence with my security deposit for months. 

Landlord tenant law in CA provides 21 days for the landlord to provide final reconciliation or return deposit. I received nothing for months. 

I moved out XX/XX/XXXX and received a bill sometime in XXXX or XXXX of XXXX and i was informed they had beej sending mail to the unit i was supposed to take and they never updated their system. I made many attempts to contact management but they refuse to return my calls. 

Then I received a notification that a collection agency was niw reporting as debt on my credit report. They reported the address inaccurately and i was not given anytime to understand anything about this so called debt because management had an unwillingness to communicate and they provided an incorrect address to the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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:
I have a car loan with XXXX XXXX, its reporting 16 missed /late payments. I pay each car payment every month. I have not been 30-90 days reporting. I have been calling and talking to different reps, no one seems to want to help with this. I cant buy a home with 16 late /missed payments. I even called to pay whatever fees. XXXX XXXX  sold me a car for XXXX. But only will buy back for XXXX and only had the vehicle for almost 2 years. It had problems a week after I got the vehicle which caused XXXX XXXX  to get me a rental. I been dealing with a lot with this company. I just want the remarks 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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
My {$4900.00} in CashApp has been stolen by CashApp. I filed a complaint against CashApp with FDIC and yesterday FDIC responded that my {$4900.00} are held by a Financial Institution called Block Inc and that I should approach CFPB to recover my funds from Block Inc. My FDIC Case # is XXXX. Cash App is not providing the email of XX/XX/2023, which they are alleging to have sent me. Ask Cash App to send me the alleged email of XX/XX/2023, via CFPB This complaint has new information. Do not close this complaint as Duplicate. My phone # is XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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, 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 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