vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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: NC

Complaint narrative:
CFPB complaint file numbers : XXXX, XXXX It has been more than 30 days now. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general, Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I want and demand the following accounts removed from my consumer report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION 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 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
I was working for a temp to hire company that paid me through the MoneyNetwork debit card. I had lost my debit card and reported it to MoneyNetwork. I was told they couldn't issue me a replacement card or transfer the money to another account but they could send me a check. 
I had moved onto a houseboat in a marina with no mailboxes except the marina 's business mailbox. I have a po box and they informed me they couldn't send the check to a po box .

I used a friend 's address and waited. Nothing. After multiple attempts to contact MoneyNetwork I wasn't getting any results. Called customer service and still nothing.

I finally came across a number and website for you. I wasn't sure who or how to contact anyone prior. After calling the phone number a woman directed me on what to do. About 2 weeks after calling MoneyNetwork customer service sent me an email stating they had sent the check in XX/XX/2022. I replied that I never received the check and asked what address they used and if the check had been cashed. No reply. After a few more attempts to contact still nothing. 
That brings me here today. 
It has been over 18 months and I really need my money. 
Thank you for your help resolving this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: TX

Complaint narrative:
I have been a Member of XXXX XXXX Bank since XXXX. Not until I went into the Bank to inquire about a possible Loan, I was given instructions how to check my Experian Credit Reporting Credit Report and FICO Score. When I checked the information regarding my Credit Report within my XXXX XXXX Account, I noticed Experian is reporting a different Credit Score that is actually on my Experian Credit File. I have created a signed -in member Account with Experian Credit Bureau to check what has been reported on my credit file and if there has been any changes with my. current Credit Score .I am very concern about the two ( 2 ) different Credit Score showing on my Member/sign-in Experian Credit file and what's showing in my Credit Report and the FICO Score on my XXXX XXXX Account. There seems to be a vast different between the 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 explanation
Consumer complaint received 2022-10-26 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX, US DEPARTMENT OF EDUCATION these are hard inquiries on my report and I gave no one permission to pull my credit so I'm baffled of why I have any hard inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I logged in to XXXX XXXX ' website on my XXXX to purchase an airline ticket for my daughter. When I submitted the purchase, I received a " transaction failed, try again '' notice. I waited a few minutes, and tried again, with the same result. I was watching some TV, so I just continued to wait a few minutes and attempt to purchase the ticket again, for a total of XXXX attempts. All XXXX reported " transaction failed '' messages. I finally went to my XXXX computer in my office and successfully purchased the ticket. When my credit card statement came, I had XXXX charges from XXXX XXXX. I contacted XXXX to let them know of the website errors and the XXXX erroneous charges, but was told that because the flights were non-refundable, they could only issue me a partial airline credit. That was unacceptable to me, because I never believed that I was purchasing more than XXXX ticket due to XXXX 's website errors. Also, I had to use my partial credit within 90 days, which has now passed. I would never fly XXXX XXXX again after the way they've handled this. 
I filed a dispute with Citibank, my credit card company. After several months of back and forth, document sharing, etc., Citibank informed me today that they are unable to require the merchant to issue credit to my account. So I have now paid 7 times for XXXX airline ticket.

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 2022-10-26 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: MO

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

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) States I have the right to privacy. 

15 USC 1681 section 604 ( a ) section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681sXXXX ( A ) ( XXXX ) person shall not furnish any information relating to a customer 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 2022-10-26 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: MO

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

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) States I have the right to privacy. 

15 USC 1681 section 604 ( a ) section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681sXXXX ( A ) ( XXXX ) person shall not furnish any information relating to a customer 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 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am a legal aid attorney assisting a homeowner who is in foreclosure but has applied for loss mitigation and HAF, and who is also being assisted by a XXXX housing counselor. 

After the homeowner applied for XXXX and loss mitigation, I filed a Motion to XXXX the foreclosure action, providing notice to the servicer of the pending HAF application ( as Florida 's XXXX XXXX does not otherwise communicate directly to the servicers. ) The Motion to Abate is attached.

Rather than taking steps to pause the foreclosure, the servicer bank responded stating I was " deliberating [ sic ] trying to avoid answering Plaintiff 's Complaint and delay this action. '' The Response is attached. 

The servicer then forwarded approval of a Flex Modification on XX/XX/2022. Again, rather than pausing or taking no affirmative steps on the foreclosure, the servicer served discovery ( Requests for Admissions, Request for Production and Interrogatories ) on the homeowner. I was forced to file a Supplement to the Motion to XXXX, requiring additional action on behalf of the homeowner that should otherwise not have been required. The Supplement is attached. 

The servicer 's actions in court demonstrate ongoing dual tracking, with the servicer moving the foreclosure forward in court despite engaging in loss mitigation and being aware of a pending HAF application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-26 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX have been trying to work with all three credit bureaus to correct inaccurate information on my credit report for the last 6 months. After consulting an attorney and reading parts of the fair credit reporting act I found out that all three bureaus have broken the law and are in violation of several inaccuracies that are being reported on my credit report. 

The first one is that it has now been way past 6 months and they have not at all tried to correct any errors that I have disputed on my report at all! Also I read that they must temporarily delete any of the items disputed that I have disputed during the investigation and all three of the bureaus never did that in the last six months! 

Also I read the permissible purpose section of the fair credit reporting act and it clearly states that a consumer like myself must first give them permission to furnish anything on my report. Well I never once gave them permission to report any of the disputed accounts. And those accounts have never been verified the proper way like it says it should be per federal law! By investigation my relatives and neighbors and mode of living! 

I believe that these violations are sufficient enough for everything disputed to be taken off of my report or civil action may be necessary. I ask that you please help me enforce my rights as a consumer as well as enforce the three bureaus to follow federal law along with their own policies. Thank you.

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 2022-10-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This irritates me! I've already spent months sending disputes and filing complaints, but I'm not seeing any results from them. This is causing me a lot of pain and stress.

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 2022-10-26 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-10-26 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-10-26 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting account XXXX  Account # XXXX XXXX CARD, 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 XXXX : 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 2022-10-26 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: AZ

Complaint narrative:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXXXXXX XXXX XXXXXXXX {$13000.00}. 

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX & Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, XXXX & Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. The companies above has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

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