vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account Number # XXXX has violated my rights XXXX Account Number # XXXX has violated my rights XXXXXXXX XXXX Account Number # XXXX has violated my rights XXXX XXXX  Account Number # 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 reports by more then seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account Number # XXXX has violated my rights XXXX Account Number # XXXX has violated my rights XXXX XXXX Account Number # XXXX has violated my rights XXXX XXXX Account Number # 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 reports by more then seven years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a loan with XXXX, one of two that were not consolidated. I have been on a XXXX for several years. in 2019, XXXX closed one account as a charge off. Now each year they re-report the same account as charge off and closed with a new close date. This will never drop off my credit if they keep this up. I have tried to dispute it with the reporting agency, and with XXXX and have gotten no where. This loan is over 16 years old.

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a loan with XXXX, one of two that were not consolidated. I have been on a XXXX for several years. in 2019, XXXX closed one account as a charge off. Now each year they re-report the same account as charge off and closed with a new close date. This will never drop off my credit if they keep this up. I have tried to dispute it with the reporting agency, and with XXXX and have gotten no where. This loan is over 16 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a loan with XXXX, one of two that were not consolidated. I have been on a XXXX for several years. in 2019, XXXX closed one account as a charge off. Now each year they re-report the same account as charge off and closed with a new close date. This will never drop off my credit if they keep this up. I have tried to dispute it with the reporting agency, and with XXXX and have gotten no where. This loan is over 16 years old.

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 2022-04-21 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 XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, 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 my account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank continues to try to have a debt collection company sue me for a debt when they have violated FCRA laws by reporting inaccurate information to credit reporting agencies. I have advised the company that there representatives have misrepresented statements and lied to me to deceive me into entering into a payment arraignment via phone. The representative told me as long as I paid a specific amount each month my account would remain in good standing. When I learned that this was not the case was when the account began to report delinquent. The account should never have been reported delinquent in accordance to what the representative promised on a recorded line to me. 

I have requested the call records as well as requested a supervisor review the calls and provide me with their findings and confirmation of the conversation that has taken place. They have never honored that. They have denied me my rights to discovery and have also continued to damage my credit while they refuse to investigate the information to make the proper updates to my credit report. This has been far more damaging than what they are trying to allege I owe.

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 2022-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
I am trying to save my house from forclosure and have been mislead by my mortgage company since XX/XX/XXXX. I completed all paper work and was accepted by loss mitigation department, received a forbearance plan and made all my payments and was told that I was doing everything right paper work was already back from under writers in XX/XX/XXXX and once I made my final payment in XXXX the paper work would be sent out to sign the restructure of the loan and begin my account out of foreclosure. I then check back in XXXX and was told due to covid things were running behind. I made another payment as they requested. I called back in XXXX and they said they would request an update and made another payment and was told they would have someone review. I got a call back and was told all my paper work was ready to come out to me and sign would be with me in 7-10 days. I did not receive this paper and called back again made another payment and was told they would check into this. I then received a call back saying I had to fill out the packet again and send in and then a decision would be made. I completed all this paper work but have received paper work from an attorney that this was now in foreclosure. I called back today to the company and stated everything I was told was noted on the account and was mislead and stated I was going to be looking into an attorney and if calls were pulled they would show I was greatly mislead by the company not just by 1 or 2 but by 8 to 10 people and now my house is in danger. She even stated today that they wouldn't even need to pull the calls as everything I have said was notated on the account and they messed up big time and action would be taken with those employees.

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 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: MI

Complaint narrative:
On XX/XX/21 I wrote a check, in the amount of {$1100.00}, to XXXX XXXX for my Mother 's room & board at their facility. The check did process through my bank, which is Comerica Bank, until XX/XX/21. Which is also the day my mother passed. Then on XXXXthe check was cashed again and processed through my bank. This caused an overdraft on my account. I notified my bank of the error. They refunded the money back to my account, and later reversed it out of my account, causing another overdraft. I called XXXX XXXX to try and resolve this issue to no avail. They claimed the didn't cash the check twice. Mind you XXXX XXXX switched accountants during this time period. I have copies of the check that was cashed twice by them through XXXX Bank. I then went to XXXX and asked them to investigate this issue. When I contacted them, after giving ample time for an investigation, I was informed that they could not give me information regarding XXXX XXXX 's account. All I wanted was for them to let me know this check was cashed twice so that I could prove to XXXX XXXX of their error & be refunded my money. I had to close our account with Comerica Bank, because of accumulated banking fees and pay these fees. My Mother has had this account before it became Comerica. I was XXXX yrs old when she opened this joint account, am now XXXX XXXX XXXX and wanted to keep my account. 

I would appreciate any help the Consumers Finance Protection Bureau can provide in resolving this matter. 

Attached are copies of Information regarding this issue. Thank you very much, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2022-04-21 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: KS

Complaint narrative:
in accordance with the fair credit reporting and convergent accounts has violated my rights ; XXXX XXXX account number ; XXXX XXXX XXXX account number ; XXXXXXXX XXXX  account number XXXX rise account number XXXX XXXX XXXX account number XXXX XXXX  account XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX  account XXXX XXXX 15 u.s.c 1681 section 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 instruction

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On or about XX/XX/XXXX I opened an account with Affirm, Inc for a personal purchase loan of {$450.00}. The account went to collection agency XXXX XXXX. On or about XX/XX/XXXX I paid the balance to XXXX XXXX. As of now Affirm is still reporting a balance and collection or negative account to all three credit agency 's. I have filed three disputes through XXXX and Affirm is knowingly providing false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: AL

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 Acct # XXXX has violated my rights. 
XXXX XXXX NA -Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2. It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: CT

Complaint narrative:
In the month of XXXX XXXX. I was contacted by lexington law who informed me about a discount for service I gave them my debit card number. When I check how money was token off my account it was the full price. I immediately contacted lexington law and decline service. Another month pass by. I contacted lexington law and made a inquiry and found out they didn't provide me with any services and inform me they will refund me in a check because the debit card number on my account changed. Months went buy I contacted them on XX/XX/XXXX, and decline the refund saying the money was sent to the debit card number that was changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
dept of telnet is on my credit report multiples times same amount. I have sent XXXXXXXX XXXX XXXX.a written letter to please provide proof with original contract.i have given them over 7 years.they failed to do so. and refused to take it off I also sent them letters regarding fair credit action.they still refused to remove it. with no proof I would like this off of my credit report please it has put damage on my credit report for years I have been sending letters asking them to send proof they never do.i just want my life so I can buy a home. there also credit inquires I've been disputing as well. I send letters out every day fighting for what's right please please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had a Macy 's ( Citi Bank ) card. A purchase was made in XX/XX/XXXX. I never received an e-mail, call or a statement in the mail until XX/XX/XXXX. They ended up charging {$160.00} in late fee 's. They said they are only allowed to remove XXXX and wouldn't remove all XXXX. I paid the bill in full when i realized that it was not paid. They are still trying to charge me for {$80.00} when I never received anything as a payment due. They should not be allowed to charge late fee 's when they never tried to collect the debt or let me know that a payment is due. I paid the charge and would pay the interest but the fee should 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 explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
XXXX of XXXX I were XXXX and missed work and later upon returning I lost my employment, I communicated to mortgage lender USBank and were greeted with forbearance program. In speaking with them i shared i am responsible for insurance and taxes. USBank representative stated they will take care of taxes to protect their own investment and shared i will need to keep insurance. Time continued and I had job challenges and continued with hardship with myself or XXXX  of my XXXX  children and XXXX difficulties but with blessing of forbearance I were able to keep bills caught up besides mortgage and property taxes. I became gainfully employed at a much better job in XX/XX/XXXX and in XXXX of XXXX I called USBank to reestablish mortgage payment and were given three options.

# 1 pay full amount of monies owed during forbearance.

# 2 pay half of monies owed and agree payment of remaining attached to mortgage payments.

# 3 wait till XXXX for forbearance to end and file XXXX to request putting monies be added to end of mortgage. 
XXXX I sent XXXX and it were denied due to incomplete. I called and gained information needed to complete XXXX. Now we are at the end of XX/XX/XXXX and I Re-Submit XXXX and mailed Certified mail. I received notification of denied due to no records of it being sent. 
I then Call and am told XXXX XXXX to them, XX/XX/XXXX I did so and USBank stated not received. 
I XXXX XXXX to XXXX Indiana to USBank facility and loan officer emails XXXX. This were denied due to bank statements too old. 
I drive back to XXXX and XXXX XXXX with updated bank statements and this were accepted XX/XX/XXXX. I call numerous times and speak asking info and typically transferred or drop call and continue to follow up on XXXX. 
I get a call from USBank on XXXX  XXXX telling me I have two choices # XXXX pay XXXX in full by XX/XX/XXXX # XXXX short sell. 
I am baffled. I have had hardship after hardship and kept in communication with USBank. I am a single father of twins in school and have become injured at work and needed two XXXX  with one being rather XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know the monies are my responsibility but if put at end of mortgage I would have no issues. I am told credit report isnt good and USBank can not assist. My credit has a payed off issue from USBank credit card that is not being removed. I do have income that can meet my financial responsibilities yet USBank will not speak to me of it.

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have a loan with Navient, one of two that were not consolidated. I have been on a XXXX for several years. in 2019, Navient closed one account as a charge off. Now each year they re-report the same account as charge off and closed with a new close date. This will never drop off my credit if they keep this up. I have tried to dispute it with the reporting agency, and with Navient and have gotten no where. This loan is over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below is violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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