vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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: TX

Complaint narrative:
I sent this letter to all 3 Major Credit Bureaus on XX/XX/XXXX requesting an investigation for several inaccurate reporting on the Date of last activity date, High credit amount, date of last payment, last reported date are all inaccurate from one Bureau to another. This is affecting my credit score and my ability to make major purchases. 


To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX XXXX XXXX XXXX XXXX on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX XXXX XXXX  {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : XXXX XXXX XXXX  Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Unpaid balance reported Charged off account Profit and loss write-off as a loss by the credit Unsecured grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-07-08 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: TX

Complaint narrative:
I sent this letter to all 3 Major Credit Bureaus on XX/XX/XXXX requesting an investigation for several inaccurate reporting on the Date of last activity date, High credit amount, date of last payment, last reported date are all inaccurate from one Bureau to another. This is affecting my credit score and my ability to make major purchases. 


To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX XXXX XXXX XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, Experian is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Unpaid balance reported Charged off account Profit and loss write-off as a loss by the credit Unsecured XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-07-08 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: TX

Complaint narrative:
Experian : remove these inquiries I did not authorize these inquires

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 2022-07-08 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: TX

Complaint narrative:
On XX/XX/2020 ( Equifax ) and on XX/XX/2020 ( XXXX ) and on XX/XX/2020 ( XXXX ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, thus account is reporting inaccurately on all credit bureaus including wrong dates and I am not responsible for this account. Debtors nor the credit bureaus did and could not verify this Inaccurate XXXX XXXX Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately because i reached out to the court system and they verified they are not the one reporting this Derogatory the credit Bureaus are acting on their own In Accordance with the fair credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TX

Complaint narrative:
On XX/XX/2020 ( XXXX ) and on XX/XX/2020 ( XXXX ) and on XX/XX/2020 ( Experian ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, thus account is reporting inaccurately on all credit bureaus including wrong dates and I am not responsible for this account. Debtors nor the credit bureaus did and could not verify this Inaccurate XXXX XXXX. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately because i reached out to the court system and they verified they are not the one reporting this Derogatory the credit Bureaus are acting on their own In Accordance with the fair credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my right 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-08 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: AR

Complaint narrative:
XXXX XXXX XXXX My accounts with XXXX have been closed and paid in full as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/2022. I have never been late or missed any payments with XXXX. I have numerous letters from XXXX stating this fact. 

I have had over a dozen phone conversations with XXXX regarding getting my credit reporting updated since XX/XX/2022, in reference to correcting reporting to all three credit bureaus to indicate that this is fully paid off with a XXXX balance, closed and all payments on time. Instead of my credit bureaus being corrected, all three credit bureaus are receiving incorrect information from XXXX ( for the second month in a row ) stating that I am 90 days late with four missed payments and very high balances on both XXXX accounts which are closed. This has severely impacted my financial status from being able to conduct financial transactions to possibly impacting my credit with any current creditors. 

I am requesting that all three credit bureaus be corrected to show I am in good standing and on time with no late or missed payments and that the balances with both XXXX  accounts are closed and XXXX  out.

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 2022-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
I sent letters to the following agencies requesting information on XX/XX/2022 : XXXX. MOHELA DEPT of ED Student Loans 2. XXXX 3. XXXX 4. XXXX For all the agencies I requested the following : 1. provide proof by affidavit or declaration, sworn by wet-ink signature signed under the penalty of perjury 2., produces all relative commercial instruments and/or notices, declarations, publications, with clearly and unambiguously delineate that claimant, was fully and completely apprised of all rights, duties, obligations liabilities, costs, fees in advance or subsequent to the alleged incurrences of the alleged debt, and where there has been full disclosure of all relevant terms and conditions within twenty-one ( 21 ) calendar days of the receipt of the Notice It has been close to 2 months and MOHELA and XXXX has not responded yet. XXXX and XXXX responded but did not produce the information requested. 

I will upload all the letters to all the agencies for more details

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: AR

Complaint narrative:
My name is XXXX XXXX a federally protected consumer. I am making a complaint against Experian, XXXX, and XXXX for committing identity theft. I never gave Experian, XXXX, nor XXXX, any permission to use any of my identifying information to furnish my consumer report. On this date XX/XX/2022, I certified a mail letter of validation to each credit reporting agency. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving each of the bureau Experian, XXXX, nor XXXX consent to furnish this information on my consumer report. 

Please see attachments

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 2022-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
Sallie Mae personal loan has been raising my student loans I been paying them off since I got to college XX/XX/2021, I currently couldnt afford college no more and had to drop out, I had emailed sallie Mae twice stating I couldnt afford the payments right now, I have too many bills and sallie Mae is affecting my credit,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: PA

Complaint narrative:
I'm asking for a investigation on my credit file I have fraudulently accounts that were obtain in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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:
To Whom It May Concern : 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. I am not asking for an update, but I am demanding for this account to be deleted from my consumer report immediately because of these violations. 
XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please see screen shot below of inaccurate information being reported on my consumer report. 
Account Status for all three bureaus are not the same. High credit for all three bureaus is not the same. Credit limit for Equifax is missing but the other two bureaus have a number. Last reported date is all different across all three bureaus. Date of last activity are all different between XXXX and XXXX and Equifax last active date is missing. Date of last payment is missing for XXXX and Equifax but is being reported for XXXX. If you are getting the same information from the same creditor, why is the reported information on my consumer report all different or missing. High credit limit is vastly different across all three bureaus. These inaccuracies and incomplete missing information are a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ). I am demanding a complete deletion of this account off my consumer file immediately. 
Please see screenshot of inaccurate and incomplete reported information below : if the creditor is furnishing the same info why is the information different and/or missing. Please delete. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: AL

Complaint narrative:
Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/2022 a dispute about deceptively misleading marketing was brought to Synchrony Financial, XXXX Synchrony Bank, XXXX PayPal Credit. Creditor continues to post derogatory comments to XXXX and other credit reporting agencies while the dispute remains unresolved to date. 

Recent research of CFPB resources find that Synchrony Financial has a long history of deceptive business practices. My personal experience with them over the last six months has been most distractive and damaging to my credit report as reflected by XXXX. 

Please find attached correspondence with creditor.

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 2022-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I scheduled an ACH transfer on Ally bank side, to pull fund from my XXXX XXXX account on XX/XX/2022. The amount is XXXX, is the saving for my home down payment. Fund was pulled from the XXXX XXXX account on XX/XX/2022 and never arrives my Ally account! And now this transaction record was removed from my Ally online account. I lost access to this large amount of saving, never expected I can lost my money on an ACH transfer. 

Ally customer service keep telling me to dispute this transaction from XXXX XXXX account. But this fund was scheduled by myself and fully pulled away by Ally bank, there is no way the other bank could dispute it. Ally is the side pulled the fund and should return the fund to 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 explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We are eligible for PMI removal on our current loan through PHH Mortgage. We submitted payment for {$150.00}, on XX/XX/2022, for the appraisal fee, as the service center confirmed we met all requirements to have it removed. Once the appraisal came in, that would determine/ confirm we were over 20 % in. They cashed our check, and have been ignoring our calls/ emails in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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:
To Whom It May Concern : 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. I am not asking for an update, but I am demanding for this account to be deleted from my consumer report immediately because of these violations. 
XXXX  XXXX Account # 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please see screen shot below of inaccurate information being reported on my consumer report. 
Account Status for all three bureaus are not the same. High credit for all three bureaus is not the same. Credit limit for XXXX is missing but the other two bureaus have a number. Last reported date is all different across all three bureaus. Date of last activity are all different between Transunion and XXXX and XXXX last active date is missing. Date of last payment is missing for XXXX and XXXX but is being reported for Transunion. If you are getting the same information from the same creditor, why is the reported information on my consumer report all different or missing. High credit limit is vastly different across all three bureaus. These inaccuracies and incomplete missing information are a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ). I am demanding a complete deletion of this account off my consumer file immediately. 
Please see screenshot of inaccurate and incomplete reported information below : if the creditor is furnishing the same info why is the information different and/or missing. Please delete. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

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