vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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: SC

Complaint narrative:
this report is for the private administrative process on the behalf of first progress the Experian report XXXX south Carolina XXXX police report 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 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
My account was overdrafted because initially one the claim the claim was already of, why is the company the was supposed to fix my XXXX XXXX, halfway fixed it, I was having this problem with my insurance company for XXXX XXXX, for a couple of claims, the in particular part that they needed to fix they never fix it, so I made a claim with my bank Wells Fargo, because it was still was not fixed, and it's still not fixed, the bank returned the money, after receiving a, state tax on the XXXX of this month, they said they reversed it back,

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 2022-06-03 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 XXXX  XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX 
Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # 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 2022-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have XXXX XXXX XXXX Loans which were originally serviced by XXXX XXXX but were transferred over to Aidvantage in XX/XX/XXXX. I have been assured by Aidvantage that repayment on my XXXX loans are on pause until XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX debited my checking account for monthly payment amounts per each loan account without my authorization. I have reported this to my credit union as a nonauthorized ACH debit withdrawal and requested that I be reimbursed immediately. Furthermore, I requested that XXXX be blocked from making any further ACH debit withdrawals given that they no longer service my loan accounts since XX/XX/XXXX. XXXX did not provide me with any prior notification that they would initiate ACH debit activity beginning XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: OH

Complaint narrative:
An accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  loan # XXXX has violated my rights. 
Hard Inquiries by : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have right to privacy.

15 U.S.C1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account with out 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 2022-06-03 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: AL

Complaint narrative:
Experian failed to update my bankruptcy case status accurately. My XXXX XXXX bankruptcy plan was paid in full and closed without discharge. A case closed without discharge is not dismissed, and it is not discharged. It can happen in several ordinary circumstances. My XXXX XXXX XXXXankruptcy was filed closely after I received a XXXX XXXX discharge will not be discharged. Experian has my bankruptcy status shown as dismissed which is inaccurate and causes a negative impact to me as a consumer because creditors assume the plan was not paid in full. In my case there is no debt owed that my past creditors can come after me to collect.

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 2022-06-03 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: NY

Complaint narrative:
In accordance with the Fair Crediting Act XXXX  Account NameXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
This company is no GOOD!! This company is all about money and doesnt care about anybody elses well-being! Some of the reps are actually rude! 

I bought a XXXX XXXX XXXX  back on XXXX XXXX, 2020 and everything was going fine when I pay XXXX every month on-time for {$370.00} until Ive started having problems with XXXX XXXX and trying to setup a payment online. Last year when I got behind my payment no thanks to XXXX, XXXX calls me when Im on the clock at work. Im not gon na stop in the middle of what Im doing to talk to talk to them about a payment arrangement! Thats harassment! When they ask what my reason is for me not paying on-time, I tell them Im dealing with XXXX XXXX XXXX theyve been charging everybody to pay high energy bills. Im not lying! I also told two of the associates to please put that in their system so therefore they wont ask me the same question whenever I make a payment over the phone. When I wanted to make a payment with XXXX, XXXX XXXX turned the lights off at my house since I didnt pay enough and I was forced to pay more to get the power turned back on last year during the late fall and early winter time. This happened twice and it pushed me back even further. 

Now back on XX/XX/XXXX, I was making a payment with XXXX over the phone and this rude lady was asking me did the towing company get the car yet and I told her no. So then she wants to argue with me and was upsetting me even more since I was already having a bad day at that time. I told her we could go back and forth all day if we have to! Its also like theyre working against me rather than working with me. Its like they want most to all of my money to pay this debt off! They cant get what I dont have! At the same time, I have other bills to pay, food to buy, a mortgage to pay, things to get repaired in the house just as much as they do! Theyre not making things any better, theyre making things WORSE with late fees -- {$60.00}, then {$90.00}, and {$100.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/2022 I used my credit card as defined under 15 USC 1602 ( a ) ( L ) to extend myself credit through the company called, '' PenFed Credit Union '' and I was denied. I received an adverse action letter from their company attempting to explain why I was denied. This was clearly an act of discrimination pursuant to 15 USC 1691 ( a ) ( 3 ). I in good faith exercised my right to extend credit as a consumer, and as a creditor I was denied for no specific reason. PenFed Credit Union also violated 15 USC 1602 ( a ) ( p ), by using my credit card with no apparent authority, and I the cardholder and consumer received no benefit. Furthermore, they are civilly and criminally liable under ( 1 ) 15 USC 1611 ( 2 ) 15 USC 1640 ( 3 ) 15 USC 1691 ( e )

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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
on XXXX XX/XX/2022 around XXXX XXXX, I received an email from captialone stated that " Thanks for applying for a Quicksilver credit card '' and they need me to upload copies of some documentation to continue the process. I did not apply for any credit card, I also received an emails from XXXX, XXXX XXXX, XXXX as well as XXXX XXXX all stated that my credit report has been changed due to a new hard inquiry on my credit report, which I am not aware off. Please be advised that in the past I was a victim of identity fraud and all been reported to the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: LA

Complaint narrative:
sent out letters on XX/XX/2022 and XX/XX/2022, to the three bureaus trans union, XXXX, and XXXX and still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 




1. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report.

2. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report.

3. Validate Account XXXX XXXX  Account Number : Please remove it from my credit report.

4. Validate Account XXXX  Account Number : Please remove it from my credit report.

5. Validate Account XXXX XXXX  Account Number : 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 non-monetary relief
Consumer complaint received 2022-06-03 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC
State: CA

Complaint narrative:
During process of closing XXXX XXXX, XXXX was aware and still proceed3ed with closing that property conflict with title ... being title of said property showing commercial and loan ( XXXX loan ) attached to said property XXXX XXXX would only be valid for residential properties. Initial delay in gaining access to property purchased XX/XX/XXXX XXXX due to unforeseen matters : tenants that refused to leave, covid, Hud advisor allowing XXXX to start work without permit verification then once tenants left covid over we process ( hire company ) to pull plans and permits city says NO on conversion of 100 % resident for property making XXXX XXXX void. XXXX mortgage delaying and refusing answer what comes of funds not used, to add XXXX XXXX loan to principle or allow usage to rehab. XXXX XXXX, XXXX was aware of trouble, emails sent no valid replies and closing was able to commence adding to trouble/delay. XXXX XXXX ALLOWED CLOSING OF DEAL KNOWING TROUBLE WITH TITLE. We have XXXX received NOTICE OF DELINQUENCY on XXXX tax notice which should have been caught and advised to all parties at closing. I should have never received this notice unknowing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies/accounts have 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 an account without my written instructions. 

Proceeding, below are the accounts in which have violated my rights. All of which took hard inquires on my credit on ( XX/XX/2021 ) XXXX XXXXL Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX number ( XXXX ) XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies/accounts have 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 an account without my written instructions. 

Proceeding, below are the accounts in which have violated my rights. All of which took hard inquires on my credit on ( XX/XX/2021 ) XXXX XXXX  Address XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXXXXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX number ( XXXX ) XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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, the following accounts XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the rights 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 written instructions. 

I have reached out several times to the credit bureau regarding the following account with professional debt mediation, because they provided me with a bill including someone else 's name but have this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, my wife made a payment at XXXX on the last day before the XXXX payment would be considered 30 days past due. My wife and I were tending to a medical emergency on that day and the days preceding when this occurred, and while payment should have been made much sooner than the XXXX hour, it was an extraordinary circumstance that has now affected both our credit reports. We've worked hard to pay our bills on time and to maintain credit reports with excellent credit payment history. We've been customers with XXXX for nearly 5 years and have always paid on time. This is the first time this has occurred, and it was only an hour past the deadline. We called Nissan XXXX and were told there was nothing they could do and for us to file a dispute via a letter. We are flabbergasted and just disheartened because we've worked so hard to make sure our bills are always paid. We are planning to buy a house, as we've lived in the same apartment since XXXX and this is just devastating to our credit report and score. 
We are submitting this letter to get this late payment removed from our credit reports. Weve been loyal customers, as weve paid off two vehicles and this our third through XXXX and own another XXXX financed through our bank. 
We are humbly requesting that you review our case and help remove this late payment from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I've sent over an investigation request letter to XXXX Transunion and XXXX via Certified mail with proof of delivery and signature. Signed by XXXX XX/XX/2022, signed by Transunion XX/XX/2022 and signed by XXXX XX/XX/2022. I haven't received any letter about a completed investigation or haven't had any deletions based on the inaccurate info regarding the accounts listed in my letters to them. It has been over 30 days so they have violated FCRA and FDCPA laws also by not deleting the accounts reporting inaccurate data. 

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. They haven't notified me of any results nor was it properly investigated if so, because how would that be possible if " Last Updated '', " Worst Delinquency '', " 2-YEAR PAYMENT HISTORY '', " 30 days late '' section, " 60 days late '' section, " 90 days late '' section, " closed date '', " last activity '', " terms '', " payment status '', " balance '', are all showing inaccuracies. 

Those are MANY inaccuracies and HIGHLY damaging my credit, it has hurt and is hurting my ability to obtain credit. 

I provided my letters to them and then proof of my credit report pulled XX/XX/2022 circling ALL of the errors and inaccuracies on these accounts. I want to make it clear I XXXX XXXX am submitting this myself and not being represented by anyone. 

After multiple FCRA and FDCPA laws being broken I demand these accounts be removed IMMEDIATELY. 

Account Name : XXXX XXXX Account Number : Ending in XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : 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