vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Please do a full search on my report It's spring oaks capital llc of a balance of XXXX XXXX  last reported on my report was XX/XX/XXXX XXXX I'm asking please to remove this off my credit profile on my XXXX an on XXXX it's reporting on my XXXX XXXX profile. Also I have 4 hard inquiries on my XXXX XXXX that need to be remove I didn't not authorize anyone to pull my report, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX An XXXX XXXX XXXX XXXX XXXX XXXX Derogatory mark on my report XXXX XXXX  The same two hard inquiry on my XXXX XXXX account is on my XXXX report XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Please delete these errors off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: U.S. BANCORP
State: TX

Complaint narrative:
U S Bank Improper Use of Reporting In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on consumer account under an open end consumer loan/ credit plan as late for any purpose

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 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: IL

Complaint narrative:
In XXXX, 2019 our loan was sold to Gregory Funding from XXXX. At the time of the sale of the mortgage our payments were made timely. Since Gregory Funding assumed the loan, there have been significant issues for which we have contacted Gregory Funding in writing and have not been able to reach a conclusion on our concerns, which include : - After assumption of the loan in 2019 Gregory Funding indicated that we owed over {$5000.00} and we have not received documentation as to why - Gregory Funding increased our loan payment by {$1000.00} creating a payment we could not afford - We have had to pay homeowners insurance on our own because Gregory Funding will not pay this from our escrow - Our payments to Gregory Funding in XXXX, 2019 and XXXX, 2019 were made to interest only causing us to consistently be 2 months in arrears on payments- We continue to accrue late payment charges every single month because of Gregory Fundings lack of response While we acknowledge that some of our payments were late, most at the beginning when we were trying to get the payment corrected, which never happened. We ended up continuing to payment the previous payment amounts. We have attempted almost monthly verbally and several times in writing on getting this issue rectified to no avail. We are hoping to get some help in getting our mortgage to a good place so that we do not constantly have this issue hanging over our head. Any help you can provide to us to act as a liaison with Gregory Funding to understand the status of our loan and an amenable resolution would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Account is stating incorrectly by TransUnion and XXXX. I have disputed this account as account is reported as a charge account type with a derogatory account status collection charge off payment status with date opened as XX/XX/XXXX by TransUnion XXXX XXXX Report stayed open as XX/XX/XXXX. Date last reported is stating as XX/XX/XXXX by Trans Union while XXXX report state last reported as XX/XX/XXXX, XX/XX/XXXX. Date last active reports as XX/XX/XXXX by Trans Union while XXXX reports XX/XX/XXXX. Date of last payment reports as XX/XX/XXXX by Trans Union while XXXX reports XX/XX/XXXX, XXXX payment history is reporting payment from XX/XX/XXXX through XX/XX/XXXX as OK as agree with one charge off on XXXX XXXX if payment history is reporting consecutive OK as agree. How is it possible that just suddenly XX/XX/XXXX theres charge off? Now, there is no possible way that account can be reporting payments up to XX/XX/XXXX and have date of last payment recorded as XX/XX/XXXX with Trans Union and XX/XX/XXXX with XXXX. This is a total mistake itself dates do not make sense.

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 2022-10-11 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: EQUIFAX, INC.
State: IA

Complaint narrative:
Account is stating incorrectly by XXXX and Equifax. I have disputed this account as account is reported as a charge account type with a derogatory account status collection charge off payment status with date opened as XX/XX/XXXX by XXXX XXXX Equifax Report stayed open as XX/XX/XXXX. Date last reported is stating as XX/XX/XXXX by XXXX XXXX while Equifax report state last reported as XX/XX/XXXX, XX/XX/XXXX. Date last active reports as XX/XX/XXXX by XXXX XXXX while Equifax reports XX/XX/XXXX. Date of last payment reports as XX/XX/XXXX by XXXX XXXX while Equifax reports XX/XX/XXXX, XXXX payment history is reporting payment from XX/XX/XXXX through XX/XX/XXXX as OK as agree with XXXX charge off on XXXX XXXX if payment history is reporting consecutive OK as agree. How is it possible that just suddenly XX/XX/XXXX theres charge off? Now, there is no possible way that account can be reporting payments up to XX/XX/XXXX and have date of last payment recorded as XX/XX/XXXX with XXXX XXXX and XX/XX/XXXX with Equifax. This is a total mistake itself dates do not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: IA

Complaint narrative:
Account is stating incorrectly by XXXX and XXXX. I have disputed this account as account is reported as a charge account type with a derogatory account status collection charge off payment status with date opened as XX/XX/XXXX by XXXX XXXX XXXX Report stayed open as XX/XX/XXXX. Date last reported is stating as XX/XX/XXXX by XXXX XXXX while XXXX report state last reported as XX/XX/XXXX, XX/XX/XXXX. Date last active reports as XX/XX/XXXX by XXXX XXXX while XXXX reports XX/XX/XXXX. Date of last payment reports as XX/XX/XXXX by XXXX XXXX while XXXX reports XX/XX/XXXX, XXXX payment history is reporting payment from XX/XX/XXXX through XX/XX/XXXX as OK as agree with one charge off on XXXX XXXX if payment history is reporting consecutive OK as agree. How is it possible that just suddenly XX/XX/XXXX theres charge off? Now, there is no possible way that account can be reporting payments up to XX/XX/XXXX and have date of last payment recorded as XX/XX/XXXX with XXXX XXXX and XX/XX/XXXX with XXXX. This is a total mistake itself dates do not make sense.

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 2022-10-11 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: SC

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. 

XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX : # XXXXXXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, DEPT OF EDXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NY

Complaint narrative:
I have no knowledge about those hard inquiry and account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: PRESTIGE FINANCIAL SERVICES INC
State: NY

Complaint narrative:
I have no knowledge about those hard inquiry and account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: SC

Complaint narrative:
There are several inaccuracies on my credit report. These account are negatively impacting my ability to live my everyday life. The banking system is dependent upon my score being fair and accurate. These accounts are not accurate or fair to me as the consumer. I cant extend my credit as I need to with these account directly impacting my credit worthiness. I entered into consumer credit transactions with these companies privately. I never gave consent for a consumer reporting agency to furnish anything on my consumer report. 15 USC 1681- Permissible Purpose a consumer report may be furnished with the written instructions of the consumer. Experian I demand that you remove all of these negative accounts and provide a contract where I gave you written consent to furnish anything on my behalf. With the failure of such evidence all accounts listed shall be removed. Please remove all accounts attached in the letter.

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 2022-10-11 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:
Hi I am submitting this 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 XXXX  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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX continues to report to Equifax wrongly. I have paid {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, and {$1500.00} on XX/XX/2022 ; however, they are not reporting my current balance, which is {$7400.00} as of XX/XX/2022. However, they have sent me a monthly statement verifying that. 

On XX/XX/XXXX, XXXX XXXX reported my balance as {$12000.00}, according to Equifax. Falsely lying about the fact that I have reduced my balance by over {$4900.00}. When I called them on XX/XX/2022, number:XXXX, they told me they report monthly to the credit bureaus on the XXXX. 

I have called Equifax directly, and they stated they had not received any report from XXXX XXXX since XXXX. I have obtained my free yearly credit reports as of XXXX XXXX, and all the credit bureaus have a report from XXXX XXXX which shows a {$12000.00} balance instead of {$7400.00}. 

This impedes my chance of buying a house and showing my real debt to income it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regional Acceptance continues to report to XXXX wrongly. I have paid {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, and {$1500.00} on XX/XX/2022 ; however, they are not reporting my current balance, which is {$7400.00} as of XX/XX/2022. However, they have sent me a monthly statement verifying that. 

On XX/XX/XXXX, Regional Acceptance reported my balance as {$12000.00}, according to XXXX. Falsely lying about the fact that I have reduced my balance by over {$4900.00}. When I called them on XX/XX/2022, numberXXXX, they told me they report monthly to the credit bureaus on the XXXX. 

I have called XXXX directly, and they stated they had not received any report from Regional Acceptance since XXXX. I have obtained my free yearly credit reports as of XXXX XXXX, and all the credit bureaus have a report from Regional Acceptance which shows a {$12000.00} balance instead of {$7400.00}. 

This impedes my chance of buying a house and showing my real debt to income it.

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 2022-10-11 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: CA

Complaint narrative:
I have provided each credit bureau ( XXXX, XXXX and Transunion ) with a deletion letter for XXXX # XXXX, this account is reporting late payments that are inaccurate for the following dates XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have provided them with the deletion letter twice and each time the investigation come back with the lates still reporting.

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 2022-10-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have provided each credit bureau ( XXXX, Equifax and XXXX ) with a deletion letter for XXXX # XXXX, this account is reporting late payments that are inaccurate for the following dates XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have provided them with the deletion letter twice and each time the investigation come back with the lates still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NY

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Amount charged {$2500.00}, XX/XX/XXXX Original with guardian veterinary was {$5600.00} pending for XXXX. XXXX never done. But double charged. Eventually they gave me credit for one charge {$5600.00} and a partial credit of {$3100.00}. 
My dispute is for another charge of {$2500.00} on XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Paperwork from my vet was sent to guardian. They charged me foXXXX XXXX XXXX XXXX {$220.00} ; and XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$250.00} ; XXXX XXXX XXXX {$310.00} and {$400.00} chemistry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Avid Acceptance, LLC
State: NY

Complaint narrative:
I never applied for any car loan and when I call they told me the dont know anything I have to call credit bureaux.

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 2022-10-11 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: MECHANICS BANK
State: NY

Complaint narrative:
I never applied for any car loan and when I call they told me the dont know anything I have to call credit bureaux.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless 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 explanation