vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 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: AL

Complaint narrative:
I asked the credit bueros to do a verification on my credit report and they stated they did and everything was accurate. I also did thorough research as well and found improper inaccuracies on my credit report even after they did their verification and stated everything was accurate. 

XXXXXXXX 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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act, these companies have violated my rights.

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1691 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
Prosper Credit card sends me statements showing balance of around {$1700.00}. I never had this credit card neither did I ever applied for it. Card ending number on statement ( XXXX ). 
I tried calling prosper credit card but seems like they not ready to resolve my issue. 

In the statement there are so many out of country transactions, I haven't traveled out of country since XXXX of 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 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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. 

Account name : XXXX  XXXX Account XXXX has violated my rights. Or list of inquiries 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 2023-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am filing a new complaint, because One Main has provided inaccurate information in their response. 

1. I immediately notified One Main of my termination from my then employer in XX/XX/XXXX, not XX/XX/XXXX like One Main stated. The reason the claim took so long was because of their high turnover of branch managers. As I previously stated, I notified the employee XXXX. He insured me that my entire balance would be covered, just as the Branch Manager XXXX XXXX told me when I added the insurance, but XXXX never processed my claim. I kept following up, and it wasn't until the Branch Manager XXXX finally processed it, which is why it wasn't done until XXXX. XXXX XXXX also assured me that my claim would be paid in full. 

2. One Main is being untruthful about XXXX XXXX yelling at my wife. Other employees were present and witnessed when it happened. One of them being XXXX. 

3. One Main was deceptive in that three different employees ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) all deceived me by telling me from their own mouths that my claim would be covered in full. This is bad training and practices on behalf of One Main Financial. 

4. One Main was careless breaching another customer 's information to me, and should be held responsible for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
In XXXX, I requested an auto insurance QUOTE from the XXXX XXXX of XXXX XXXX XXXX XXXX XXXX in XXXX, TX. 

Relatively after, I was notified of a credit collection account that was opened in my name for an XXXX policy, from the office of XXXX XXXX XXXX XXXX XXXX, that I never created nor approved. 

The office of XXXX XXXX XXXX XXXX XXXX informed me to submit an Auto Policy Declaration, proving that I had active auto insurance during the time that the policy was incorrectly opened for me. 

I submitted the declaration on XX/XX/XXXX and was informed that they had moved forward with submitting the documentation and were awaiting a response from corporate. 

This is a HUGE mistake of the XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX - to open an insurance policy for me, that I never created nor approved - as the only contact I had with this office was to get a QUOTE. This mistake is impacting my credit, which has yet to be resolved nor have I received an update from the office of XXXX XXXX XXXX XXXX XXXX, as of yet. 

As of today, XX/XX/XXXX, I am still awaiting a follow-up response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CarMax, Inc.
State: GA

Complaint narrative:
I am getting daily robo calls from XXXX. I informed Carmax XX/XX/2022 to remove me from the call list. I get calls from them around the same time daily. I have attached examples of the calls from this number. 

According to 15 U.S. Code 1692d - Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

The past few weeks have been unbearable due to the constant harassing debt collector calls. Despite explaining my financial situation and requesting a payment plan, the collector continues to call multiple times a day, and threatening legal action. This has caused immense XXXX and XXXX, making it difficult to focus on work and daily activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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. 


Account name : 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 XXXXXXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The company is in violation of furnishing my information without my written consent within to require time frame to make me aware also XXXX aware that reports containing solely on transactions between a consumer and a PERSONS are illegal. 

And on the XXXX major reporting agencies I find inaccurate reporting in my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
I received a bill in the amount of {$1500.00}. from a company called ERC stating that they are trying to collect a debt owed to XXXX XXXX XXXX. I have never had any account or accounts with XXXX XXXX XXXX. The reference # XXXX was provided by ERC, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: Convergent Resources, Inc.
State: SC

Complaint narrative:
Convergent Client account# XXXX Convergent account# XXXX  

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian keeps reporting inaccurate names and addresses on my credit file I have asked several times for the removal of those names and addresses. I have also provided the ID numbers attached to those fraudulent names.

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 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 2023-06-16 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my Transunion Credit report on XXXX, It was showing negative pay status by XXXX XXXX XXXX for {$1400.00}, It was transferred from company called XXXX XXXX XXXX XXXX XXXX they claim that on XXXX some one lease XXXX  for {$1400.00} and made one payment of {$63.00} and stop making payment, so they reported to Trans union credit co under my name . I don ; t know any XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I don, t lease phone, I contacted both company they giving me runaround, and they don, t help me I have enough income that i can by my own phone. please fix this problem and clear my credit report. 

Thanks.

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 2023-06-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RENT DEBT AUTOMATED COLLECTIONS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My husband and I applied for a mortgage with Chase bank. Our loan officer was XXXX XXXX out of Washington. We were approved. In the end we chose to go with another mortgage company because chase payment was to high. XXXX XXXX did not cancel our mortgage and for three days we got emails and phone calls from title company, underwriter and our own real estate agent saying the loan was moving forward and we were good to go. Our realtor knew this was untrue and we contacted the title company and underwriter ourselves to give them that information. He then was a sore loser and withheld the appraisal that we paid for saying we did not pay for an appraisal. I have proof directly from him that says our XXXX deposit went to our appraisal. He still refused to transfer the documents saying that is never done. If it wasnt chases policy to transfer then he should have let our new mortgage company know that. Instead the only word he used in his response email to them was NO. I have proof of all of this. This man is obviously upset we chose not to go with Chase and has made us pay for it. I had to spend XXXX to get another appraisal instead of using the one we paid XXXX for. I have proof he said our money paid for appraisal. I have proof he told new mortgage company we did not pay for appraisal. There were several other things that he did that should not be the behavior of anyone dealing in financing and mortgage. What he did is dishonest, immoral and against the law if we paid for appraisal ( I have proof ) then appraisal belongs to us. I contacted his manager several times by leaving a message and sending email. No response. I am making this complaint so maybe other people will not have to experience the same thing as us. Please contact me. I am happy to provide documentation, dates, times or anything that is needed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Mortgage due XX/XX/XXXX our bank withdrew and posted on XXXX. Making XXXX payments in XXXX month. I unaware, until we received foreclosure notice XXXX stating we were delinquent. Freedom Mortgage did escrow analysis- I did not know that meant late payment. Our payments went up and I was not paying correct amount unknowinly our payments were going into suspended state. 

Once I became aware of this, I was able to come up to correct amount. The process of notification and reporting to credit report is my complaint. I spoke to agent she explained they called me and notified me via email. I did not received any voice mails stating XXXX was unable to contact me. I did received change in status which again, I did not know that meant late payment. 

They automatically notified credit report and reported XXXX days late on mortgage. Other creditors automatically lowered available credit. We have no emergency funds and can not apply for new credit now due to this. 

Thank you for your assistance 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 2023-06-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/1963 EXPERIAN CREDIT BUREAU RE : Request for Investigation and Correction of Discrepancies on My Consumer Credit Reports Dear Sir/Madam , Upon meticulous examination of my consumer reports, I discovered reported late payments and charge-offs on certain accounts which, to the best of my knowledge and recollection, have always been paid punctually. This information is, therefore, inaccurate, and I am writing to request urgent rectification. 
Under the Fair Credit Reporting Act, Consumer Reporting Agencies are entrusted with the significant responsibility of maintaining the utmost accuracy in reporting consumer information. To that effect, any discrepancy in my credit report is not only misleading but also breaches the mandates of the FCRA. The negative items that are listed have been updated due to the CFPB Breach. Please remove it immediately.

This is in violation of code 15 USC 1681 i. 
Should you not be able to furnish substantial proof of these late payments, I hereby request compliance with the FCRA and Truth in Lending Act ( TILA ) guidelines, that these late payments be amended to reflect their true status ( On Time ). This is imperative as I have never, to my knowledge, been late on these accounts. 
Please remove this account and update this account immediately as you are in violation of several laws under The Fair Credit Reporting Act. 

Thank you, 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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to address fraudulent personal information and inquiries associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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