vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 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 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 Experian to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance {$260.00}.

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 2023-04-29 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 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2023-04-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Advised equifax and XXXX that I have no knowledge of these accounts. Requested that they be removed within 30 days. The credit company 's failed to remove them. I spoke with XXXX on XX/XX/2023 and they removed the accounts as they were determined inaccurate accounts. I will attach a screen shot showing they were removed off my XXXX account. The other credit bureaus have failed to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: TX

Complaint narrative:
" First American Title Company - Unethical Practices '' Today XX/XX/2023, during closing on the purchase of a new " XXXX '' house, First American Title Company required us to sign a document captioned " Acknowledgement of Receipt of Keys. '' Unfortunately, after we signed the documents and submitted wire transfer for {$20000.00}, First Title Company did NOT deliver any keys to us. Instead, the Notary instructed us to return to First American Title to pick up keys on Monday XX/XX/2023. 
Effectively, we have been DENIED possession of the house that we closed on today. 
We notified XXXX XXXX that First American Title did not release the keys to us and we requested that XXXX " cancel '' the mortgage/loan. XXXX XXXX informed us that that Loan was " already Funded. '' The Closing Disclosures/Settlement Statement had multiple discrepancies which were identified PRIOR to Closing. I informed XXXX XXXX and First American Title about the discrepancies and requested that the errors be corrected PRIOR to Closing. We requested copies of the documents that we signed at Closing, but First American Title refused to provide us with the requested documents during Closing. First American Title said they would email us copies of closing documents, but they have NOT. Is this practice legal or ethical?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: IL

Complaint narrative:
I had my purse stolen with all my personal info, that i beleave was used to open up some of these accts and also placed a large amount of hard inquires on my report. I have been trying to get this address for a couple years now i have contacted all 3 credit companies and the other party, I have spent XXXX of dollars in certified mail send letters to both parties to be back at square one and nothing is being down. I also reported a car being stolen and having my personal thinks inside durning a move. I been suffer from idenity issuses since i was younger with a friend of the family was using my name ate a younger child age. Im now at a stand still stuck with all this stuff on my report and still no answers on how to fix them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
US DEPT OF EDUCATION Last reported XXXX XXXX, XXXX {$17000.00} US DEPT OF EDUCATION Last reported XXXX XXXX, XXXX Reported balance {$4800.00} XXXX XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$2200.00} XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX  XXXX XXXX Last reported XXXX XXXX, XXXX XXXXXXXX XXXX Last reported XXXX XXXX, XXXX Reported balance {$490.00} XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX VOLATIONS 15 U.S. Code 45 15USC 1681b ( a ) ( 1 ) ( 2 ) 15 USC 1681a ( 2 ) ( b ) 15 USC 1681e ( b ) 15 U.S.C. 1692g

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 2023-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
I was sent an email on Thursday XX/XX/2023 at XXXX XXXX  with the following information detailed below : Important Notification From CashNetUSA Customer ID : XXXX Past-Due Balance : {$25.00} XXXX, We are informing you that your debt ( s ) listed below will be sold to a third-party debt buyer on XX/XX/2023 unless you contact our Collections Department to set up an acceptable payment arrangement by XX/XX/2023 at XXXX XXXX  XXXX. All payments must be received by XX/XX/2023. 

XXXX - {$25.00} Please also note that if any payments are returned or canceled and not rescheduled and received before XX/XX/2023 your debt ( s ) will be sold. 

To schedule your payment : Call us at XXXX or Email us at collections@cashnetusa.com If you have already set up your payment or believe that the information above is inaccurate, please contact us at the phone number below. 

CashNetUSA Collections Team Monday Friday XXXX XXXX XXXX XXXX, Saturday XXXX XXXX - XXXX XXXX, Closed Sunday Phone : XXXX collections@cashnetusa.com I made a phone call to the collection phone number linked in the email. XXXX at XXXX. I spoke to a representative that verified that there was debt collection in the amount of {$25.00}. She verified my debt by looking me up in the system with my first name, last name, and last four numbers of my social security number. She informed me if I felt this was a fraudulent transaction that they would have to file a police report with me on the phone. She used this statement in an aggressive manner and as a scare tactic. I told her I had no hesitations reporting this activity to the police. But I first wanted to see the original agreement and transaction terms. I then told her that I wanted a copy of the original documentation and loan agreement. She then informed me she was not able to access that information. Then transferred me to a collections rep even though I had called the collections extension from the start. The collections representative then informed me she could not access the loan agreement or the original documents that pertained to the over due loan transaction. She told me she would have to have her manager email the information I requested. She then asked for an email address to send the information. I gave her my current email address. This email was not the original address used to email me the message listed above. She then asked if I wanted to move forward with filing a police report with them. I declined and told her not until I have the original loan agreement information in hand to verify the legitimacy of the debt collection claims. We then concluded our call and she told me as soon as a manager got her request they would email me my requested documents. I have not received the documents in any of my email mail boxes or folders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: FL

Complaint narrative:
This is my twelve endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXXInquiry : XXXX XXXX, 2021 ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance {$950.00} XXXX XXXX XXXX Balance {$2200.00} 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 Balance {$1500.00} ; XXXXXXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX Balance {$4500.00}.

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 2023-04-29 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: NC

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 Account # XXXX Account name : XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct. XXXXXXXX XXXX XXXX XXXX  Acct . XXXX, XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX  Acct, XXXX, XXXX XXXX XXXX XXXX Acct. XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Bankruptcy Discharge Acct # 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 2023-04-29 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: IL

Complaint narrative:
I have been trying to correct my inaccurate information on my credit report. I pulled my credit report on XXXX  and notice my personal information was incorrect. I then sent my dispute letters certified mail with proof of my identity & proof of residency by providing a bank statement on XX/XX/XXXX  to all three credit bureaus XXXX, XXXX and Experian to fix the inaccurate information. I even called on several occasions neither credit bureaus wanted to fix the inaccurate information even though I verified my identity over the phone. Its been a headache the way the credit bureaus handle consumers its like they get a kick out of not helping people fix the inaccurate errors. I will like if they stop violating the FCRA by reporting inaccurate information on my consumer credit file. My name should only be reporting just like my ID as XXXX XXXX XXXX and only ONE address XXXX XXXX XXXX and only ONE city, state, Zip code XXXX XXXX IL XXXX, MY DATE OF BIRTH XXXX should be corrected as well XXXX REFUSE TO CORRECT MY BIRTH YEAR. This correction should be easy to correct just like my dispute letter stated. XXXX feel as though due to me trying to correct my inaccurate information that XXXX working with a third party credit repair company. XXXX XXXX the supervisor of XXXX was the most disrespectful person to deal with consumers. He really argued with me that Im working with a third party company the amount of time he put in to go back and forth with a customer is ridiculous. I pray he find another profession that fit his need because he constantly insists on not correct the inaccurate information.

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 2023-04-29 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: NJ

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I am reaching out for additional assistance as this false reporting is ruining my reputation and life. I have reached out to have this account removed from my credit account as this is not my account however the action item is still listed. 
I placed NUMEROUS PHONE CALLS & disputed this with the credit bureaus and to no avail has anything changed ( see attachment below ) During the time that this account was opened ( XX/XX/2022 ) FRAUDULENTLY with XXXX XXXX  who then sold this account to XXXX AND AXXXX 

I was undergoing treatment with a XXXX  during this time ( which I have attached ) due to a bad car accident ( police report also attached ) where I was unable to complete basic tasks let alone work out at a gym!! 

I am a law abiding hard working citizen looking to purchase a home and can not because of the way I am being discredited. I have a great relationship with creditors that I have AUTHORIZED accounts with. 

My information has been stolen before in my younger age and I have been having issues with fraudulent accounts ever since. I have tried freezes and currently to this day pay for credit monitoring. ( I have attached my previous police report for THEFT ) Per the consumer laws as well ; the one listed below specifically. 

15 U.S. Code 1681a - Definitions ; rules of construction When investigating a consumer report it means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

This agency has violated me in every way. I only want to get this removed as this damage is ruining my life and this is not how I operate with creditors who I authorize and do business with. 

PLEASE 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 2023-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2023 I was informed of a virtual assistant job opportunity through my XXXX XXXX email from XXXX XXXX XXXX, a law professor. XX/XX/2023 I responded and forwarded my resume to XXXX XXXX. XX/XX/XXXX I was officially hired by XXXX. XX/XX/XXXX I was sent instructions by XXXX that included making a donation on behalf of herself to XXXX XXXX XXXX for XXXX dollars. I was emailed a check and informed to mobile deposit it. XX/XX/XXXX Truist made the funds available and I was informed to purchase XXXX XXXX gift cards and send the codes to the foundation. Before purchasing the gift cards a called the Truist branch at the XXXX XXXX and informed them of what I had been asked to do and questioned if the transaction would be okay. I was told there didnt seem to be any issue with making a purchase of this manner. I made the purchase and sent the gift cards later that day. I was then instructed to deposit a second check for {$1400.00} in order to make a second donation. The funds for this second check were never made available. XX/XX/XXXX I was informed by Truist that both checks were fraudulent. XX/XX/XXXX I went to the Truist branch I had originally called to dispute the transaction since they had wrongfully advised me. I spoke with the branch leader and he said that his bankers were new and this was why they had advised me poorly. XX/XX/XXXX my dispute was denied. XX/XX/XXXX I returned to dispute the transaction for the XXXX again. I also asked to dispute the overdrafts fees of more than XXXX dollars that had been applied to my account. XX/XX/XXXX I was denied again.

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 2023-04-29 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the del accounts listed IMMEDIATELY!

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 2023-04-29 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: FL

Complaint narrative:
Advised XXXX and experian that I have no knowledge of these accounts. Requested that they be removed within 30 days. The credit company 's failed to remove them. I spoke with XXXX on XX/XX/2023 and they removed the accounts as they were determined inaccurate accounts. I will attach a screen shot showing they were removed off my XXXX account. The other credit bureaus have failed to remove them.

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