vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX  XXXX  XXXX  XXXX XX/XX/XXXX balance XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX balance XXXX XXXX XXXX XXXX {$590.00} Chapter XXXX bankruptcy XXXX Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX balance XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX balance XXXX XXXX  XXXX  XXXX  XXXX balance XXXX Has violated my rights. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account with out my written instructions. I didn't give written permission for any of this information to be on my credit reports and is a financial burden.

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 2022-05-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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

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 2022-05-28 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: GA

Complaint narrative:
I filed a complaint against Experian XX/XX/2022, XX/XX/2022, XX/XX/2022 citing Experian due to, myself received a letter from XXXX XX/XX/2022 stating they did find " '' PUBLIC RECORDS '' in 30 day time frame jthat was required of XXXX and removed " PUBLIC RECORDS '' from my XXXX credit report. 
I received a second letter from XXXX XXXX XX/XX/2022 stating they reached out to Experian requesting they remove " PUBLIC RECORDS '' from my credit report. Experian has refused. 
Experian has refused to removed " PUBLIC RECORDS '' stating they ( Experian ) received a report from XXXX " PUBLIC RECORDS '' is to remain the same and it will not be removed. 
Experian has advised myself they ( Experian ) received they " PUBLIC RECORDS '' from XXXX. It's been a back and forth battle with Experian not removing the " PUBLIC RECORDS. ''

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 2022-05-28 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account numberXXXX, 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 See Below for credit reporting account informaion : XXXX Account XXXX XXXX XXXX Account number123524X XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX XXXX Account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Transunion Account XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( 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 2022-05-28 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account numberXXXX, 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 See Below for credit reporting account informaion : XXXX Account XXXX XXXX XXXX Account number123524X XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Equifax Account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX XXXX Account XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: OH

Complaint narrative:
I have send letter numerous times to the 3 Credit Bureaus to check and to validity these account that are been reporting error, inaccurate and incomplete credit information. I been asking for Re-Investigation over again

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 2022-05-28 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: AZ

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2022-05-28 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: GA

Complaint narrative:
I want to make a complaint against XXXX, Equifax and XXXX I reached out to all the bureaus asking them to remove all the fraudulent information form my credit report and they have not responded to my efforts to resolve the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: GA

Complaint narrative:
I want to make a complaint against XXXX, XXXX and experian I reached out to all the bureaus asking them to remove all the fraudulent information form my credit report and they have not responded to my efforts to resolve the issues

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 2022-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flatonia Investments, LLC
State: CA

Complaint narrative:
On XX/XX/22 I received notice from Envoy Mortgage that my escrow account has a shortage of {$4400.00} and that my mortgage would increase to {$2500.00} for 12 months in order to pay for the shortage effective XX/XX/22. My mortgage payment previous to this shortage was {$1900.00}. 

The first time I called the company told me the shortage was due to the {$3200.00} payment of my flood insurance plus the cushion amount of {$1200.00} which is required anytime escrow has a shortage. I explained to the representative that my HXXXX ( XXXX XXXX ) pays for my flood insurance and that Envoy Mortgage made a mistake by making this payment. I was told that Envoy would work on getting the money refunded into my escrow account as soon as possible. I asked for an email regarding this dispute for my personal records and was told that this was not possible. I was instructed to call back on the XX/XX/22 to get an update. 

I called back XX/XX/22 for an update and was informed by Envoy Mortgage that a request for a refund was submitted to the insurance company and that they were awaiting a response. I asked to have my mortgage amount adjusted to the correct amount so I will not be held financially responsible for the mistakes Envoy Mortgage made. The representative explained that my mortgage could not be adjusted until Envoy receives the funds back from the insurance company and then be able to refund my escrow account. I requested documentation of this situation again and was denied again. I was told that my mortgage is not late until the 15th of the month and hopefully this issue would be fixed before that. If not, I would be required to pay the increased amount and everything can we adjusted once my escrow account is refunded. 

Today I logged in to my online mortgage payment account and saw that there is a new mortgage payment amount required in the amount of {$2100.00}. I called Envoy Mortgage to get an update on the status of this issue. I was informed that the insurance company agreed to refund the {$3200.00} by mail to my XXXX  company after the required hold of 7 days. Then my XXXX  company will pay Envoy Mortgage by phone into my escrow account. Then I could request to have my mortgage adjusted to the correct amount. I asked again to have my mortgage payment adjusted to the correct amount now since none of this was my fault. I was again told this is not possible until they get the funds back into my escrow account. 

I am very concerned that I will have to pay the increased amount to avoid doing any damage to my credit score. I usually pay over the required mortgage amount toward the principal. This hardship would not allow me to do this and would hamper my financial progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: AZ

Complaint narrative:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. 
The following items need to be removed as they are fraudulent. 

TRANSUNION XXXX : XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance {$390.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) Balance {$470.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) Balance {$1100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX  ) Balance {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX COLLECTION : XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Balance {$390.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance {$470.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) Balance {$1100.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Balance {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX COLLECTION : XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Balance {$470.00} INQUIRY : XXXX 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 2022-05-28 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX  Account # 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

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 2022-05-28 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: AZ

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

EQUIFAX INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: AZ

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2022-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
The only student loans that I took out was when I was going to XXXX XXXX XXXX XXXX, which was after I was finished with XXXX XXXX XXXX. 
in XXXX my brother XXXX XXXX XXXX must have been the person who took out {$3500.00} in my name with about {$3500.00} in interest. He took the loan out at XXXX and I don't think I was taking classes at XXXX at the time that he took out the loan. 

The loans that I did take out was 3 of them for {$3500.00} = {$10000.00} The Principal Balance of my consolidated loans is {$21000.00} Somebody took a total of {$10000.00} in student loans in my name and I'm XXXX. 
My Great Grandpa XXXX XXXX is on the XXXX Quarter, same as my Great Grandpa XXXX XXXX which makes me a XXXX. Get it. 

I just talked to XXXX XXXX at XXXX Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened up a checking account with Capital One Bank on XX/XX/2022, which they branded as Capital One 360. With the account I had with them, I kept getting hit with error messages on a frequent basis whenever I try to utilize some of my accounts features and I still get restricted on how I can utilize that account even after I sent them photos of my ID plenty of times, so that prompted me to transfer my funds from that account to other accounts I had at other banks and/or payment processors. On XX/XX/2022, I called them about their decision to close my account because of a security risk and one customer service agent told me there were 15 devices used to log into my account and she wouldnt describe to me as to what they were ; however I only used my laptop and mobile device ( app and website sometimes ) to log into my account and I also admit to linking 2 VOIP numbers to that account of mine so I could log into my account when they restricted my main mobile number for that same purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: IL

Complaint narrative:
I am filing this complaint to request that Experian delete this unverified, old and obsolete bankruptcy, Reference # XXXX off my credit report. I have previously disputed this bankruptcy record with Experian and they have verified the item as accurate several times, stating that Experian had verified the information with the court. 

On XX/XX/2022, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX Illinois via certified letter. On XX/XX/2022, I received the attached letter response from the U.S. Bankruptcy Court.

According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my Experian report and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy Court, XXXX XXXX XXXX Illinois. 

This unverified bankruptcy is apparently being reported by third party record provider XXXX XXXX without any validation or verification that the bankruptcy information is accurate.

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 2022-05-28 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I reached out to CB Indigo Bank XX/XX/XXXX, I advised CB Indigo Bank I haven't applied for any products or services with their company, they advised myself to reach out to Credit Bureaus and it would be removed. 
I contacted XXXX, I advised XXXX that I haven't authorized anyone to performed a credit check on my credit report, XXXX advised I call CB Indigo Bank, I explained to XXXX, I contacted CB Indigo Bank once again.They advised I submit this request in writing, so I sent XXXX a certified letter XX/XX/XXXX, XXXX received the letter XX/XX/XXXX, but is stating they haven't. 
XXXX is refusing to remove this inquiry from my credit report and XXXX has violated my rights as a consumer. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I reached out to XXXX XXXX XXXX XX/XX/XXXX, I advised XXXX XXXX Bank I haven't applied for any products or services with their company, they advised myself to reach out to Credit Bureaus and it would be removed. 
I contacted XXXX, I advised XXXX that I haven't authorized anyone to performed a credit check on my credit report, XXXX advised I call XXXX XXXX Bank, I explained to XXXX, I contacted XXXX XXXX Bank once again.They advised I submit this request in writing, so I sent XXXX a certified letter XX/XX/XXXX, XXXX received the letter XX/XX/XXXX, but is stating they haven't. 
XXXX is refusing to remove this inquiry from my credit report and XXXX has violated my rights as a consumer. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting

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