vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
XX/XX/XXXX My Loan went into default about XX/XX/XXXX. I hired an Attorney ( XXXX XXXX ) to address my foreclosure case. My Attorney abandoned my case in State Court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. failed to provide NOTICE OF JUDGEMENT HEARING DATE TO THE BORROWERS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX obtained Foreclosure Judgement on XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX Schedule Foreclosure Sale without providing the NOTICE OF SALE TO BORROWERS/OWNERS ( failure to notice of a prejudice inducing event such as Sale ; generally raised violations ( XXXXXXXX XXXX XXXX XXXX XXXX ) of due process. In XX/XX/XXXX, I STOP the FORECLOSURE SALE & REMOVAL CASE FROM STATE COURT ( BAIS ) THEN TRANSFER TO FEDERAL COURT. ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). The Federal Judge stated to me that my defense should have been raised in State Court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX extinguished ALL MY LEGAL RIGHTS to defend myself in State Court. Since XXXX, the law firm of misconduct has not change as XX/XX/XXXX. Hundreds of Minority Homeowners property rights were extinguished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I recently obtained data that my property was sold at public auction On XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX took title to my home without following the due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I am a living man bringing a complaint against your company for the damages caused to me. Your company is reporting an incomplete account to my consumer report. You claim to have verified this information but it is still incomplete and inaccurate on my consumer report. You are reporting an account with an abbreviated name XXXX TRANSUNION is reporting a date last active of XX/XX/22, XXXX is reporting XX/XX/22, and XXXX is reporting XX/XX/22. How can this happen if the consumer reporting agencies claim to maintain maximum accuracy? I have told you about the payment history being incorrect and you still did not fix it. I have never been late on this account. The payment history should be updated to all dates paid as ok.

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 2023-01-13 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: PA

Complaint narrative:
Today I disputed an incorrect address on my consumer report with Experian. Firstly, I had to get transferred to three different people because the first people were not trying to allow me to dispute information that I can prove is inaccurate. The last representative allowed me to initiate the dispute, a few hours later, the information came back verified.. Accordingly, I can show a judge that this address is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate the information. Using the EOscar system is not a proper investigation! Using the same information, that the furnisher of information has provided to you without doing your own investigation is not a proper investigation. Experian is not providing method of verification because it will prove they did not do a proper 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 explanation
Consumer complaint received 2023-01-13 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 was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kovo
State: NC

Complaint narrative:
In accordance with the Fair Credit Report Act Kovo inc has violated my rights. Allowing a late payment reporting on XX/XX/22 XX/XX/22, XX/XX/22. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-01-13 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: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/14 Balance : {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: MN

Complaint narrative:
I disputed XXXX fraudulent accounts on my credit report. XXXX XXXX # XXXX and XXXX XXXX XXXX XXXXXXXX. While I provided a police report and FTC report Experian has refused to remove these fraudulent accounts on my credit report. They claimed the account was verified and I replied back to Experian requesting proof of the validation to which they ignored. By my FCRA rights, I have the right to request evidence items verified on my credit report. And Experian furthermore has failed to respond to me within 31 days. I will be seeking legal actions against Experian for Defamation, Negligent of Enablement of Identity Fraud, and Violations of the Fair Credit Reporting Act.

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 2023-01-13 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I am a living man bringing a complaint against your company for the damages caused to me. Your company is reporting an incomplete account to my consumer report. You claim to have verified this information but it is still incomplete and inaccurate on my consumer report. You are reporting an account with an abbreviated name XXXX XXXXXXXX is reporting a date last active of XX/XX/22, EXPERIAN is reporting XX/XX/22, and XXXX is reporting XX/XX/22. How can this happen if the consumer reporting agencies claim to maintain maximum accuracy? I have told you about the payment history being incorrect and you still did not fix it. I have never been late on this account. The payment history should be updated to all dates paid as ok.

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 2023-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
car was repossessed in XXXX  due to late payments during the XXXXXXXX XXXX. I communicated with the company that I was not able to work due the XXXX  and would only be able to make below the minimum payment. I never received a notice of repossession prior to the car being taken and now I am still being contacted about the past due loan balance by debt XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
In accordance with the Fair Credit Report Act Affirm has violated my rights. Allowing a late payment reporting on XX/XX/22 on two accounts. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: FL

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
The following accounts are being reported by the following bureaus XXXX & XXXX! XXXX XXXX XXXX invalid account never verified BRIDGECREST XXXX invalid account never verified XXXX XXXX invalid account never verified for the record They are invalid and have never been verified for the record nor the record have they shown me any legal tangible instrument via mail or email. I have requested this several times, I have been violated with the damages both BRIDGECREST, XXXX XXXX, & XXXX are legally liable for the following illegal behavior and actions : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy. 5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal. 7 ) violation of 15 U.S.C. 1692g Validation of debts The following accounts below are in error because of identity theft ( please refer to the attached FTC Identity theft report within the mailing packet ) According to 15 U.S.C. 16811c 2 - Block of information resulting from identity theft a police report isnt required and isnt needed at all. I also do not know the name of the person or how this identity theft occurred sadly, and this is also not a requirement to submit documentation. XXXX XXXX, BRIDGECREST, and XXXX are now in violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal. This information has never been verified for the record via mail or email and once never as a legal tangible instrument. CAN THE FOLLOWING COMPANIES EXPLAIN TO ME WHY MY RIGHTS KEEP BEING VIOLATED? ALL INFORMATION SUCH AS FTC ID THEFT AND OTHER SUPPORTING DOCUMENTS etc. HAS BEEN ATTACHED TO SEVERAL PAST COMPLAINTS.

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 2023-01-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN is reporting an account XXXX XXXX XXXX XXXX with an abbreviated name and account number. This is incomplete information which is forbidden by the FCRA. In addition EXPERIAN continues to claim this account is verified however I never received cash or a loan so there can be no debt reported to my consumer report. Lastly EXPERIAN is reporting a balance of {$6900.00} on a closed account and they are reporting marks of a charge off on my payment history when the account is closed. These are all willful 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 explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Freeway Funding, Inc.
State: CA

Complaint narrative:
I am filing a complaint about the bad business practices and inaccurate reporting from freeway funding. Living in a FEMA state of emergency in the XXXX zone due to fires. This company is known for despite repossession not honoring customers who then pay all past due and fines to get their vehicle back and freeway funding not giving it to them. 
They have even several complaints from XXXX  which talk about even if you pay they will not return the vehicle and not communicate with them. Failure to communicate about files and how to resolve and missing documents as well. I am providing two ways they were reporting on my credit report with false dates and numbers all over the place. So I want my entire file up to my last payment, including all communication with them that should have been noted as they advised during our conversations. If they can not provide this crucial information as it damages my creditworthiness and has prevented me to acquire credit based on false and inaccurate reporting it should be deleted immediately. Freeway Funding has proved they do not follow the laws in order to protect the consumer resulting in damaging their credit profile. I want them to supply proof then I will counter them with the proof that I have in order to prevent them to adding any false adjustments to my file in order to correct their reporting mistakes. I want them to provide CFPB information or email it to me. Do not mail me anything.

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 2023-01-13 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:
You're in violation of the law! 

Until you can show me that you gave XXXX XXXX XXXX and XXXX XXXX XXXX, I demand that this data be removed. According to HIPPA, the health insurance portability and accountability act of 1966. I reserve the right to preserve my medical records, personal information, and privacy from all outside authorities. Send the proof to the address you have provided for me, please. The letter I'm asking to be delivered serves as confirmation, and I ask for all the information you got from the provider regarding the purported debt. 

FCRA is broken if you keep reporting this supposed medical debt without properly confirming it and showing me proof of my consent. You just have 30 days to delete this material, and if you don't, I'll start legal action.

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 2023-01-13 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: LA

Complaint narrative:
Please attached document This item is inaccurate because the CARES Act provided protection to consumers who were affected during the COVID-19 pandemic.

Company response to consumer: Closed with explanation