vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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: NY

Complaint narrative:
Consumer Financial Protection Bureau To Whom It May Concern : I am writing to file a complaint against Experian. 

I recently disputed some inaccurate and damaging information on my credit report. First of which being XXXX XXXXXXXX XXXX account number # XXXX I contacted the original creditor which told me I don't have a account with them. This Account doesn't report to any of the other bureaus Experian is solely report this inaccurate information. 
Only Experian is reporting it this way no other of the XXXX major reporting bureaus. 
Experian is also reporting my two open XXXX XXXX XXXX  accounts, account numbers # XXXX & # XXXX as closed. These accounts are open and the creditor has sent proof of such to all XXXX major reporting agencies only Experian are reporting the accounts as closed. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # 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 2022-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Trying to do a settlement on my mortgage because Oc wen/PHH would not modify my loan. 
I made an offer of $ XXXX with a IRS XXXX if needed. we worked on the Settlement from XXXX we had one appraisal in XXXX and one appraisal in XXXX. 
They told us we had to XXXX XXXX, we must get another appraisal. 
All of this is ok but we realized there is a Sale date schedule for XX/XX/XXXX while we are working on the Settlement. 
The first Appraisal was {$200000.00}. ( XXXX ) The Second Appraisal {$220000.00} ( XXXX ) The house needs {$190000.00}. in repairs listed in the appraisal. 

We need time to finish the Settlement. Please stop the foreclosure Sale. 

We never received a notice of the sale from the bank or the bank 's attorney. 
We found out through a person trying to get me to hire them to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE

Complaint narrative:
I've been trying to close my 5/3 checking account for several months now. Every time I call, they come up with a different reason why I can't. I've been told, alternately, that I have to close it in person ( I live several XXXX miles away now ) or that I can't close it until the balance is {$0.00}. I finally drew down the balance, and they hit me with a service charge, overdrafted the account, and now I can't close it until I pay off the shortfall. The {$11.00} service charge isn't a lot of money, but the frustration of trying to close an account only to hear one excuse after another is immense. I hope to never do business with 5/3 again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: IN

Complaint narrative:
In CFPB complaint number XXXX against XXXX XXXX for selling inaccurate data about me to other companies was closed with company response on XX/XX/2022. In that response both bankruptcy records they sold to Experian, XXXX and possibly XXXX XXXX was indeed inaccurate and erroneous, in turn they removed both records. On XX/XX/2022 Experian responded to my dispute of these items that the supplier of the information ( XXXX ) CERTIFIED that the data was correct and belonged to me. I am wondering if these items were removed by XXXX from their records how could they certify these same items to Experian 9 days later? It is clear Experian is WILLFUL in the neglect of the inaccurate data on my credit report. I want it removed immediately! They have 10 days before I file 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 explanation
Consumer complaint received 2022-04-12 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act the following inquiries XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights.

15 U.S.C. 1681 account section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 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 2022-04-12 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act the following inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights.

15 U.S.C. 1681 account section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
capital one - XXXX  ending XXXX this card was open without my permission a fraudulent account i didnt notice until i settled the amount for less then the original amount because it was harming my credit. 
i contacted capital one about this issue and they told me that this account appears charge off and writing off so they couldnt do anything unless i settled the debt which i found weird, because of my situation they say the only way i get this removed and deleted and to get my information updated i had pay for deletion or pay for delete which since i have XXXX accounts with them capital one for a long time, i trust them and settled the amount! 
i dont know if the debt collector wanted the settlement and denied the issue at hand the reason why i call was because this not my account!!!! it was a fraudulent account!!!!! and they straight denied me, and when on settling they debt. also i verify they was going delete the inaccurate information before i pay them and they say yes over the phone which they never did and honestly i just want to fix this issue which is affecting my life and i dont want this to happen to anybody else because i love banking with capital one but they didnt hear my issue out when ahead and did whatever they wanted and did a horrible job at the time of this call all i want is for them to fix this issue thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-12 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: NC

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX acct # XXXX, XXXX XXXX  acct XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, original creditor monthly payment acct # XXXX, XXXX acct # XXXX 120 day late payment, XXXX XXXX XXXX XXXX 30 and 60 day late payment have 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 to the Fair Credit Reporting act XXXX account XXXX XXXX acct # XXXX, XXXX XXXX  acct XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, original creditor monthly payment acct # XXXX, XXXX acct # XXXX 120 day late payment, XXXX XXXX XXXX XXXX 30 and 60 day late payment have 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 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 2022-04-12 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: MS

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  # XXXX - has violated my rights. 

15 U.S.C 1581B 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

DID I GIIVE YOU WRITTEN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT? 

FUTHER MORE THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a - Definitions ; rules of construction- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 I HAVE NOT GIVING TRANSUNION, XXXX, XXXX ANY WRITTIAN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT. 

This Agency is in violation of 15 U.S.C 1681

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 2022-04-12 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: IN

Complaint narrative:
In CFPB complaint number XXXX against XXXX XXXX for selling inaccurate data about me to other companies was closed with company response on XX/XX/2022. In that response both bankruptcy records they sold to XXXX, Equifax and possibly XXXX XXXX was indeed inaccurate and erroneous, in turn they removed both records. On XX/XX/2022 XXXX responded to my dispute of these items that the supplier of the information ( XXXX ) CERTIFIED that the data was correct and belonged to me. I am wondering if these items were removed by XXXX from their records how could they certify these same items to XXXX 9 days later? It is clear XXXX is WILLFUL in the neglect of the inaccurate data on my credit report. I want it removed immediately! They have 10 days before I file lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management seems to have initiated a Pre-legal notification. I am disputing said information and would like for them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Someone used my information to open accounts in my name I want to dispute this immediately. I am a victim of identity theft and the following accounts are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Someone used my information to open accounts in my name I want to dispute this immediately. I am a victim of identity theft and the following accounts are fraudulent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00}

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 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I checked my capital one account and noticed that 2 of my accounts said that funds cant be withdrawn and I didnt know why. I had just deposited {$1100.00} into a joint account that belongs to my daughter and I a couple days before. When I contacted the bank they said that someone had disputed a XXXX  transaction that was sent to my daughter over 6 months ago so they froze the account. The money wasnt sent to either of our joint accounts. My money is being held because the bank said they have to do an investigation and they dont know how long it will take to complete it. I really need my money as I have XXXX kids. The bank has since closed my daughters accounts and ended their banking relationship with her although an investigation hasnt been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NY

Complaint narrative:
I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me. Please reference the attached files.

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 2022-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On or around XX/XX/2022 I submitted a dispute to TransUnion about incorrect information on my credit report. Instead of processing my dispute as ordered by the FCRA, they threw my dispute away. They sent me a letter stating that it looked like a third party or credit repair company sent it. SO WHAT!!!! It is NOT illegal to have someone assist you are fighting the credit agencies and errors they report. It is NOT illegal to hire a credit repair company. They needed to process the dispute I sent in, I'm sure they see it was mailed from my zip code!!!

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 2022-04-12 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-12 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-12 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation