vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
In accordance with the Fair Credit act. The List of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 
These accounts below have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 crime 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 2024-02-05 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
In accordance with the Fair Credit act. The List of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 
These accounts below have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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 crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
Several different Inquires are on my report that I have absolutely no knowledge of at all. I know for a fact that these Inquires are a result of Identity Theft. I have filled reports for several fraud accounts opened up in my name as well. Alot of these Inquires are repeated several different times on my credit report. I have attached a Federal Trade Commission Affidavit that has all the Inquires listed, as well as copies of these Inquires from the varies Credit reporting Agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting 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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX and Reporting Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681 section 602 states I have right to privacy.

15 U.S.C. 1681 section 604 Section A states a consumer reporting agency may furnish a consumer report 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 items of adverse information, other than records of conviction 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 2024-02-05 00:00:00
Product: Credit reporting 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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX and Reporting Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681 section 602 states I have right to privacy.

15 U.S.C. 1681 section 604 Section A states a consumer reporting agency may furnish a consumer report 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 items of adverse information, other than records of conviction 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 non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX and Reporting Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681 section 602 states I have right to privacy.

15 U.S.C. 1681 section 604 Section A states a consumer reporting agency may furnish a consumer report 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 items of adverse information, other than records of conviction 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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint against XXXX located in XXXXXXXX XXXX ; EXPERIAN located in XXXXXXXX XXXX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2024-02-05 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act 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 I t also states a consumer reporting agency can not furnish an account without my written instructions..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act 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 I t also states a consumer reporting agency can not furnish an 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 2024-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I believe the servicing of my mortgage has been handled improperly, with several violations which could be illegal. 
Payments have been posted late, after the late charge date in spite of the payment being mailed with enough advance to ensure it reached PHH on time. I have complained in the past about this but always get the run-around. 
Payments sent were rejected by PHH and not applied, and were returned. 


Summary of events : XX/XX/XXXX : Due to several XXXX I requested a forbearance, which was granted, for payments due XXXX, XXXX and XXXX. 
The agreements atated the next payment due would be XX/XX/XXXX with the total amount due of {$1500.00} XX/XX/XXXX : Received the statment due for XX/XX/XXXX, with the payment amount due of {$1500.00}, which includeds a {$10.00} late charge, even though the statement states the late fee is {$6.00}. I thought one of the points of a forebearance meant there would be no late fee 's. 
I sent 4 money orders to make the total payment of {$1500.00}. ( Note : The business I purchase money orders from has a maximum amount of {$500.00} per money order. ) Money order # XXXX -- {$500.00} Money order # XXXX -- {$500.00} Money order # XXXX -- {$500.00} Money order # XXXX -- {$20.00} XX/XX/XXXX I received a Notice of Default letter dated XX/XX/XXXX stating the next payment due was XX/XX/XXXX, and the total amount due was {$100000.00}, which included another {$10.00} late charge. 
I immediately called PHH to question why I received the notice of default since I had mailed in the total amount due. I was told that PHH could only handle one payment at a time so the other three money orders were not applied and would be returned.. This is a complete abuse of the system. To not accept legitimate forms of payment is illegal. 
I received the statment for the payment due XX/XX/XXXX, the total amount due of {$1500.00}, which includeds a {$10.00} outstanding late charge and an assessed expense amount of {$20.00}. The statement shows a suspense balance of {$140.00}. 
- My guess is that PHH applied one money order of {$500.00} leaving a balance of {$120.00}, yet suspense shows a balance of {$140.00}. 
- Did they apply XXXXXXXX XXXX from the 4th money order of {$20.00} to suspense, which completely refutes their statement of only allowing one payment to be processed, and if so what happened to the remaining XXXX cents? 
I mailed in another payment for XXXX, and accoding to the XXXX statment it has not been applied. 

I am now being threatened with foreclosure. 

The bottom line is I am currently out over {$1000.00} and racking up late charges and fees by the day due to the criminal mis-handling of my mortgage by PHH. I would very much like to know what recourse I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance
State: TX

Complaint narrative:
I am writing to file a formal complaint against Concorde Auto regarding the purchase of a vehicle on XX/XX/year>. The car has had to be towed to the repair shop twice due to the inability to drive it, with the most recent incident leading my child and I to be stuck in the middle of the street, in harms way. Unfortunately, the vehicle in question has proven to be a lemon, as it has spent an entire month in the repair shop due to a persistently faulty engine. Currently, the vehicle is still in the repair shop. 

This situation not only violates the trust I placed in Concorde Auto but also raises concerns about the quality of their vehicles. I kindly request your intervention and investigation into this matter, taking into consideration the Texas lemon laws. As I have still been expected to make car payments in addition to incurring rental fees. The rental fees are exceedingly expensive, and I was often unable to go to work as expected due to not having my car. In addition, after complaining about the excessive amount of time my car has been in the repair shop, I was told that I could no longer call to receive repair status updates. 

Your prompt attention to this matter is crucial, as the prolonged repair period and the repeated issues with the engine are not only inconvenient but also a clear violation of consumer rights. 

I am asking for the immediate removal of this vehicle from my credit, in addition to refund on fees incurred on a vehicle that should not have been sold. 

Thank you for your immediate assistance in resolving this matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
According to Ssi XXXX a direct deposit of {$620.00} was posted XXXX XXXX  to my chime account ( XXXX  )... However I have yet to receive my funds..I provided chime with the trackung number and date which I received from SSi XXXX of the Posted direct deposit... Chime is stating they have no records of my funds..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate 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 are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) 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 if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XX/XX/1924 Dear to whom this may concern, I am writing in response to the request for The FDCPA thus prohibites debt collector LVUV funding Llc, from among other things using any false, deceptive, or misleading representation in connection with collecting a debt. Id. 1692e.

In addition, the Act provides consumers a means to dispute and request certain information about an alleged debt. Under 15 U.S.C. 1692g ( a ), a debt collector generally must provide consumers with certain information about the debt and about their right to dispute the debt, either in the initial communication with the consumer or shortly thereafter. This information is typically provided in a written notice that is commonly.

Company response to consumer: Closed with explanation