vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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:
On XXXX XXXX, XXXX I filed a complaint with your agency on XXXX XXXX XXXX ( XXXX ) regarding the recurring issue of reporting of my Auto loan as delinquent although I have sent payments to the po box address I have been sending payments since XX/XX/XXXX. Late last night, I received notification from Experian of the results of my dispute filed ( Report # XXXX ) and learned that XXXX reported my account 60 days delinquent XXXX XXXX. I did receive your agency email stating that XXXX had responded that it was working on my issue and indeed they are as they have reported and additional delinquency even though I sent them a copy of two money orders totaling {$900.00} to their national call center email on XXXX XXXX indicating the payment was mailed XX/XX/XXXX. Since early XXXX, XXXX has blocked online access to pay on this auto loan forcing me to mail in payments or use their call in system which charges nearly {$13.00} as a fee just to simply swipe a debit card. I have experienced a long history of lack of due diligence with this institution as on or about XXXX XXXX, over $ XXXX was added to my loan to cover premiums on GAP insurance supplied by XXXX XXXX  XXXX I changed my full coverage auto insurance from XXXX XXXX  to XXXX and this was added to my loan even though there was no lapse. XXXX stated a letter was sent to an old address in XXXX  -even though I moved out of that address in autumn XXXX and listed my XXXX  address with all my creditors. Clearly XXXX 's lack of due diligence has escalated to a point of maliciousness and this recent action was executed in retaliation. I'm retired after 29 years of Active military service XXXX XXXXXXXX ; however, NO ONE deserves to be treated in the matter that I have been by this financial institution

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 2022-02-17 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: NY

Complaint narrative:
1. XXXX XXXX is reporting the following accounts removed which clearly is not true. XXXX XXXX is reporting accounts removed but the accounts are still listed on my XXXX XXXX Transunion and XXXX profile : XXXX XXXX and XXXX XXXX 2. XXXX XXXX is fraudulently reporting XXXX XXXX with remarks updated and added. There are no remarks and no updates

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 2022-02-17 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: NY

Complaint narrative:
1. XXXX XXXX is reporting the following accounts removed which clearly is not true. XXXX XXXX is reporting accounts removed but the accounts are still listed on my XXXX XXXX  XXXX and equifax profile : XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX is fraudulently reporting XXXX XXXX with remarks updated and added. There are no remarks and no updates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I applied for a refinance mortgage with XXXX XXXX on XX/XX/XXXX and as part of the application process I provided my social security number, and a copy of my monthly mortgage statement from my current lender Flagstar Bank. On XX/XX/XXXX, the day of closing, I was made aware that there were {$180.00} of fees assessed by my lender for payoff statements obtained by XXXX XXXX. After further inquiries of Flagstar Bank, I learned that my personal information was used by XXXX XXXX ( without my authorization or consent ) to impersonate me to obtain these statements through Flagstar 's IVR phone system. Each time XXXX XXXX  did this I was assessed a fee of {$30.00}. Mailed payoff statements are FREE. I informed Flagstar Bank that I did not authorize XXXX XXXX to impersonate me in order to obtain payoff statements via their IVR system nor did I authorize them to incur expenses on my behalf. I emphasize 'impersonate ' as the IVR system is quite clear in the use of pronouns to clarify that the system is intended for use by the mortgagor ( e.g. enter the last four of " your SSN '' and enter " your loan number '' ). It is also stated by the system that there will be a {$30.00} fee assessed for providing the statement. In total my personal information was fraudulently used by personnel at XXXX XXXX  to obtain SIX payoff statements for a total cost of {$180.00}. In addition, many of these payoff statements had effective dates which overlapped suggesting that the duplicate statements may have been maliciously obtained in order to incur these fees. I complained to Flagstar Bank indicating that the fees were not authorized, and they removed {$120.00} for the statements which had overlapping effective dates. However, Flagstar Bank refuses to remove the remaining {$60.00} over my objections as they were the result of unauthorized fraudulent activities. In addition, these actions fall within the purview of FL Statute 817.568 ( 2 ) ( a ) Criminal use of personal identification information which states " Any person who willfully and without authorization fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning another person without first obtaining that persons consent, commits the offense of fraudulent use of personal identification information, which is a felony of the third degree ''.

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 2022-02-17 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: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I need to report NC FINANCIAL for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late on XX/XX/2021 to XX/XX/2021 but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-02-17 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX and XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account WELLS FARGO BANK. I contacted the data furnisher and CRA requesting a to review my account. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties.

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 2022-02-17 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: GA

Complaint narrative:
I XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurate accounts on my credit report. I then proceeded to reach out to the credit reporting agencies to seek remedy of the situation but would not help me correct these fraudulent an inaccurate accounts. 
1.XXXX  account # XXXX date open : XX/XX/XXXX balance : {$440.00} 2. XXXX XXXX account # XXXX date open : XX/XX/XXXX balance : {$320.00} 3.XXXX XXXX  ( original creditor:XXXX XXXX account # XXXX date open : XX/XX/XXXX 4. XXXX XXXX ( original creditor:XXXX XXXX ) account XXXX XXXX date opened : XX/XX/XXXX balance : {$100.00} 5. XXXX XXXX ( original creditor : XXXX  ) account # XXXX date opened:XXXX balanced : {$380.00}

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 non-monetary relief
Consumer complaint received 2022-02-17 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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:
XXXX has VIOLATED my Federally Protected Consumer Rights under the FCRA, by repeatedly reporting an inaccurate account on my consumer report. XXXX 's correspondence is sayin, the creditor has verified the information and the information was updated without sending me verifiable proof of names and addresses of whom they spoke to that's knowledgable of such 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 explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
* XX/XX/XXXX - primary borrow ( finance was murder and all her money that she just obtained to pay this up came up missing. Notified lender same week. Thats when they advised I can do an extension if I paid 700 and produced a death certificate of the primary borrow ( melynda bown ) could not obtain the document. Kept calling lender to see if there was any other documentation I can provide proving her death. The told me the account was on hold. Had me assuming they are pausing the charge off *involved in accident on XX/XX/XXXX. Reported claim to insurance same day. Insurance company XXXX XXXX XXXX XXXX contemplated total loss all the way up until first week of XXXX. There was a delay in the claim leaving me uncertain about when they will pay the loan. They took 2 months to open and XXXX this case. And there was no valid reason why it took that long they just werent doing their job. My car was charged off in the middle of the claim and in the middle of an exstension / hood amaerican credit promised me that they did not apply to my account. They didnt tell me my account was a charged off until XX/XX/XXXX. 10 days later and when I asked why I wasnt informed so that I can prevent it I was told they did not have to tell me that information. I have no problem with paying the remaining balance but I was not allowed a fair chance to make this right after the primary died. I was doing bad at the time after catching XXXX and getting laid off 30 days. I tried to do everything I can to make things right. Please help me. American credit Acceptance abounded me and my insurance company ( XXXX XXXX ) strung me along for 2 months. Im only disputing the charge off. Yes American credit Acceptance will show u documents but they are not telling the whole truth. Its not fair that companies get to lie like this. I have never filed a credit dispute up until now. This is important because its the truth

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 2022-02-17 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
XX/XX/XXXX, I filed CFPB XXXX against Carrington MS . They agreed that they made a clerical error by stating on my credit reports, from the credit bureaus, that my account # XXXX was in a XXXX bankruptcy. They said that they would correct this with the credit bureaus. I recently applied for a home loan with XXXX XXXX, the report that they sent me shows that Carrington hasn't removed this information. I called Carrington XX/XX/XXXX and spoke with a rep that stated that the information about the bankruptcy was verified and correct. I explained to him that it was wrong and should be corrected. He refused to remove it or investigate further. This would place Carrington MS in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: OH

Complaint narrative:
Capital One has NOT provided any meaningful response. I challenged XXXX XXXX unauthorized credit card charges on my Capital One credit card account by disputing the charges and requesting verification documents ( invoice ) from the creditor, XXXX. I never received a product or service from XXXX. There are no documents that exist for this transaction, other than the charges on my Capital One account. Furthermore, there is no cancellation or return policy that is relevant here.Capital One needs to credit my account for {$210.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
i have XXXX XXXX XXXX new unauthorized inquiries on my report asking for immediate removal

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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