vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$9400.00} XX/XX/XXXX XXXX XXXX {$5200.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$3600.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 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 2023-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have filed 3 credit disputes, I have requested information from NCB and the documents that they provided didnt match my driver license number. XXXX XXXX filed a complaint to have the account removed and I filed 2 with credit bureaus. I also called the agency directly and it took them over 30 days to provide me with information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
I received a call from Rocket Mortgage XXXX, a lady name XXXX, dont remember her last name started the conversation as if we have already talked regarding a mortgage loan. She asked for my SSN to run a credit and I gave her the information. 
I then realized that she wasnt from the company I am working with and questioned her, then I called the agent I am working with, and she explained that since most of the information is published, other mortgage companies do try to sell people mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: AR

Complaint narrative:
I had 2 reportings on my credit report the month of XXXX for XXXX XXXX bank and XXXXXXXX XXXX  that are incorrect. I did not reach out to either of these banks for anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: NJ

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute and request a correction to the data on my account with XXXX, account number XXXX. It has come to my attention that there are inaccuracies in the reported information related to late or past due charges on my account. 

I want to emphasize that my account has always been in good standing, and I have diligently made all my payments on time. Despite my consistent efforts to ensure timely payments, it appears that the data being reported does not accurately reflect the positive payment history associated with my account.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute and request a correction to the data on my account with XXXX, account number XXXX. It has come to my attention that there are inaccuracies in the reported information related to late or past due charges on my account. 

I want to emphasize that my account has always been in good standing, and I have diligently made all my payments on time. Despite my consistent efforts to ensure timely payments, it appears that the data being reported does not accurately reflect the positive payment history associated with my account.

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 2023-08-01 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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 2023-08-01 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: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX and XXXX sent a letter verifying that the US Bankruptcy that was being reported on my credit reports was unverifiable and the bankruptcy was deleted. XXXX, Equifax and XXXX has continuously verified the Bankruptcy as " Updated or Remains '' and the bankruptcy does not belong to me. I have provided all three credit reporting agencies with the DELETION LETTER from XXXX and it has not been removed. The lack of investigation has cause me much pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX and XXXX sent a letter verifying that the US Bankruptcy that was being reported on my credit reports was unverifiable and the bankruptcy was deleted. Experian, XXXX and XXXX has continuously verified the Bankruptcy as " Updated or Remains '' and the bankruptcy does not belong to me. I have provided all three credit reporting agencies with the DELETION LETTER from XXXX and it has not been removed. The lack of investigation has cause me much pain and suffering.

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 2023-08-01 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: NC

Complaint narrative:
I am writing to TRANSUNION with this complaint. I sent them a letter with respect to the errors in my report, for example, date of last action, date opened, date revealed, installment status and so on. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. Anyway when I checked my report, I saw no progressions made by any stretch of the imagination. The false information are still being reported. My privileges have been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. 15 U.S.C 1681 segment 604 A Part 2. It likewise expresses a shopper revealing organization can't outfit an account without my composed guidance

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX account XXXX and XXXXXXXX XXXX account XXXX is still showing on my credit report. This account is more than XXXX XXXX XXXX. every time I try to call or mail a letter to get it removed all I get is that it has been verified. I have asked for proof this account is not XXXX XXXX XXXX and never get a response. I have written several letters and made phone calls with XXXX assistance. Debt over XXXX XXXX XXXX must be removed or they must show proof to validate it can legally still be reported. XXXX and transunion refuse to remove old debt. The next step will be having my attorney file a lawsuit.

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 2023-08-01 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: IL

Complaint narrative:
I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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:
I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.

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 2023-08-01 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
You are in direct violation of the Fair Credit Reporting Act ( XXXX, XXXX XXXX XXXX ) 15 USC 1681 ( a ) Clearly states that I have the right to privacy.

15 USC 1681 ( a ) section 602 Clearly states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B section a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NE

Complaint narrative:
as stated in my XX/XX/XXXX complaint, select portfolio services ( SPS ) is a predatory loan service and foreclosed on my deceased parent 's home during the covid19 federal mandate NOT to foreclose on ANY homes! SPS claims that because they " started '' foreclosure proceedings " before '' covid19 federal mandate was approved, SPS are in the clear to foreclose on any homes. My deceased parent 's home was foreclosed, the excess proceeds are being held by a non-disclosed 3rd party instructed by SPS. 
XXXXper SPS instructions regarding XX/XX/XXXX complaint, Supposedly the foreclosure attorney ( which SPS did NOT give contact info ), was to " help '' explain where the rightful heirs could obtain their proceeds from the illegal foreclosure sale that happened on XX/XX/XXXX, I called ombudsman at SPS spoke to a XXXX # XXXX and she gave a very inexplicable response as to where the excess proceeds are located and how the rightful heirs can obtain them, SPS also referred me to the XXXX XXXX XXXX 's office and they confirmed there are NO excess proceeds at their offices XXXXI called SPS ombudsman office back spoke to a XXXX XXXX and she refused to allow me to speak with a supervisor in order to escalate the issue further, furthermore SPS refers me to a non-existant foreclosure attorney PHONE NUMBER meaning as soon as you confirm the acct # they transfer to a dead phone line/vmail system that will NEVER answer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
On XX/XX/2023, I applied online for a line of credit. Cardinal Financial immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The following letter sent to Capital One describes the fraud : XXXX XXXX : XXXX dated XX/XX/2023 This is in reference to the above mentioned claim files for my stolen credit card and used by someone else for more than {$10000.00}. 
I have received your letter for denying my claim for these transaction stating not enough evidence to support. Please undewrstand if someone loses credit card, what proof is he supposed to give you to prove that it was used by someone else? Also i would like to put forward the following for your reference to prove that it was not used by me. 
XXXX. In the history my credit crd for last more than 5 years, m my card is only used at not more than XXXX locastions on weekly basis. So your system should have detected unusual acivity right at the first instance when it was swiped at XXXX shop in different location. 
XXXX. It is business card, so any activity other than businesses should have prompted by your system anmd styopped the transaction, but it did not happened. Also it was never used at the night time in my purchase history. 
XXXX. I have attached my XX/XX/XXXX Timeline to prove my activities on XX/XX/XXXX all day for your reference. 
XXXX. Also filed a report with XXXX XXXX police department case XXXX on XXXX XXXX, 2023 to prove my innocense. 
XXXX. I will request you to escalate the case with npolice department as they can check the camera at places where the card was used. XXXX XXXX, XXXX XXXX XXXX all have camera 's to prove my innocense and find out the person who has done this fraud. 
Your response has made a big question mark on my safety of using your card for future puirchases. If I lose it again and someone swipes it for {$50000.00} than will I be responsible for those fruad?? 
I will request you to review the case again and credit my account for those charges. Thank you XXXX XXXX ( Phone XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Goodleap was the financing partner of the solar company we chose to provide and install our solar panels ( through XXXX and XXXX ). While we were surprised at the high installation cost vs. product cost, we decided to proceed as we could see the overall benefits of having solar energy collection. Our interest rate was 1.99 % over a 25 year term, which we found favorable. After 10 months of {$230.00} per month payments, I checked on the website to see what our new principal amount was, as I wanted to consider paying off my debt. I was shocked to see that the principal reduced only {$1000.00}, after submitting {$2300.00} in payments. I reached out via email, and was provided an answer that my rate is distributed daily, equalling {$4.00} per day. Basically what they are doing is front loading the interest, which decreases according to the remaining principal. So out of a {$230.00} payment, less than half was being applied to my principal! This was never disclosed to me, as they provide a sum for the total interest paid over the loan as well as the rate and payment, but no disclosures regarding how it is amortized. 
I can see why there are so many complaints here, as well as across the internet, about Goodleap 's shady practices. My only hope is to find the means to pay them off and warn everyone I know about them. Being a XXXX with a far reach, I hope to avert this same situation to occur for others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed I have addresses on my credit profile that I never lived at. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never lived at the following addresses XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX Please investigate and provide Proof with statements on how you verified the listed addresses as mines on my credit file. 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