vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: CA

Complaint narrative:
EQUIFAX continues to report the attached XXXX XXXX account without a date of last activity. 
Remove account, after verification, the XXXX  is still not reported. That is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TX

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. 

XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED 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 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. 

These accounts are inaccurate in their reporting. I have brought these inaccuracies to the attention of the credit bureau mentioned. There are multiple errors throughout my credit report from all three credit bureaus and it is my right to have these accounts reported accurately under the fair credit reporting laws. As a resolution I want these accounts UPDATED : Paid as agreed on time, I was never late back in 2019 this is inaccurate. Please update to 100 % on time on my credit report immediately. 

Consumer financial protection bureau XXXX XXXX XXXXXXXX XXXX DC 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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED 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 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. 

These accounts are inaccurate in their reporting. I have brought these inaccuracies to the attention of the credit bureau mentioned. There are multiple errors throughout my credit report from all three credit bureaus and it is my right to have these accounts reported accurately under the fair credit reporting laws. As a resolution I want these accounts UPDATED : Paid as agreed on time, I was never late back in 2019 this is inaccurate. Please update to 100 % on time on my credit report immediately. 

Consumer financial protection bureau XXXX XXXX XXXX XXXX DC 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 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX act 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

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 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting 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

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 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Case Number # XXXX Me and wife open a joint account with HSBC bank on XX/XX/XXXX On XX/XX/XXXX i deposited XXXX checks thru my mobile app but prior to that i also deposited a previous check to which i not sure of the date. 
On XX/XX/XXXX i received a call from HSBC Fraud department asking question about the checks and why the address on the checks was different then the address on file. After explaining to them i just moved and started a new job which explains the change in address i was told it would take up to five days to verify the checks. Much after the fives days has passed on the XXXX of XX/XX/XXXX my wife who is on the account went into the branch to inquire about account and make another deposited was told that the account was close and a check was sent in the mail with the balance that was in the account. The bank manager did not provide any information as to why the account was close. I thought that was strange so i called the HSBC Fraud department that same day and was told that the checks could not be verified by the company and they were bad checks ( fraud ). I contacted my employers and the told me that the checks were cashed and deposited by the bank. I called HSBC again on XX/XX/XXXX and was told that something different from the previous calls. I was told that the checks was deposited and because my account was being close and was in pending it would take up to 90 days to received a letter explaining why my account was being close and the remaining balance from the joint account. I was connected to manager during that same call and told we needed that money fro rent and 90 days with no explanation about the account was unacceptable. The manager Name was XXXX and she said to her a couple of days to reach out the back office and provided us with our case number XXXX. Two days later XXXX XXXX informed me that she did not receive any information from the back office and i would just have to wait. Can you please help me get a explanation and our money back we have bills and still recovering from Covid 19 financially. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
To whom it may concern, I purchased my car at the end of my lease and BMW through XXXX offered me an extended warranty. This warranty was {$1200.00} and It was represented to me as if would covered wear and tear mechanical items for the car for an additional one year and a half from the contract date. Now the car after six months was totally fine and now has a faulty vent valve and it turns out that the warranty was only through a year of the Maintenance service date, which meant only six months of coverage from the contract date. This fact was misrepresented to me. Based on insurance I have purchased, the risk of something going wrong with the car worth more than {$1200.00} was very low in XXXX months even a year, but I purchased it for peace of mind for within the year and a half I was told. This was a very bad misrepresentation of an agreement and I would have never bought it if I knew It was going to only be good for XXXX months not XXXX months as I was led to believe. I have asked the company to produce the recording of the call, but I find this outrageous and extremely unethical. One point to note, the contract I signed ( see attached ) never established the contract end date and it only has the very technical language about the months after the maintenance service date. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
I have requested XXXX and equifax to look into the XXXXXXXX XXXX  collection on my report. XXXX deleted both of these accounts due to being unable to verify but these two are refusing to properly verify. I had all three times requested VALIDATION of these accounts. By law I am entitled to see how they validated these accounts as well as to have fair and accurate data reported. To date both companies respond verified which does not show how they validated. I want to see a contract with my signature on XXXX letterhead showing I owe them. On top of this both companies report different information on the account XXXX vs XXXX. My second XXXX account of XXXX shows individual owes but yet if they would of validated as I requested they can see it was NOT my debt ever! 

I am including a copy of last correspondence to show proof of inaccurate information being reported. 

XXXX already deleted BOTH accounts due to no validation. Follow suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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 — Investigation took more than 30 days
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX, I filed a dispute through concerning my loans with Sallie Mae. My credit report states that the loans closed back in XXXX but the balances are still showing up. I filed a dispute that the accounts are closed. According to the Fair Credit Reporting Act, I should have heard back concerning this matter from XXXX - XXXX days in which I have not heard anything yet ; it has been over four months now. I want the loans removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
I have repeatedly requested a full accounting of all payments and charges for this account from its Inception to verify the amount owed is correct the company has refused to respond for over 9 months now. The next step is to file a civil lawsuit in small claims court in XXXX Missouri against all board members and directors for the above company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: SC

Complaint narrative:
I completed school on XX/XX/2022. Shortly after, my Sallie Mae account said I had a grace period of 3.5 years to pay back my loans. I was never goven a reason of why it said this, or any sort of explanation. I tried contacting Sallie Mae through their website chat feature as well as directly calling them. Both options said the line is busy and they can't help me. There was no way for me to contact them, and they were offering false information on an account which is illegal. I submitted a complaint to the CFPB, to which they responded giving no explanation or resolution for the matter. The problem was not even changed until months later, when my account was corrected saying the actual 6 month grace period. Now, when I open my account, the grace period has been changed again, and it now says I have until XXXX until my repayments start. Again, I tried to contact Sallie Mae using both of the methods they provide, and yet I was stuck with the same issue as last time. I am unable to contact this company, and they continue to illegally provide misinformation on my financial account. This is a huge issue and not something that can keep happening. The first time it was a mistake, the second time its a problem. If no resolution is offered, I will be taking this matter to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
The company Indigo called my place of employment and told my employees that they have legal documents for me and that they need to get in contact with me. They left a number with the attendant to have me call them back. When I called the person switched me to my case manager who tells me that in XXXX I applied for a card and stop making payments and asked what was the reason. The person then continues and says that I defrauded this company for {$740.00} and that legal actions is being taken against me. He ask me what actions do I want to take to resolve the account. I responded to him that they are not supposed to be calling my place of employment. I requested his name which was XXXX XXXX. His number which was XXXX. I told him Im documenting the day of XX/XX/XXXX as the day this happened. I also documented the name given to my attendant which was XXXX and the number is XXXX. I told the man on the phone that Im going to take legal action. They called my place of employment as a scare tactic to force me to pay. In doing so, now have my employees gossiping about my legal issues which damage my reputation as a manager. Im hoping I still have a job after this. All for {$740.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
Convergent Outsourcing contacted me through a letter stating that our XXXX bill went to collection ( through them ) and would be late as of the end of XX/XX/2022. They claim I awe {$650.00} in debts. I called XXXX to find out more and my name and account number that the letter gave me wasn't in the system. 
The account number that was given was # XXXX This is now on my credit report and is effecting my credit score in a negative way. 
Covergent Outsourcing address and phone number .... 
XXXX XXXX XXXX XXXX XXXX, WA 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 2022-06-08 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: TX

Complaint narrative:
I am XXXX XXXX and I am filing this complaint because I have been reporting the unknown informations in my consumer file but I get no response. This has been multiple times that I have submitted a dispute letter yet they failed to notify me nor fix the issue.

Company response to consumer: Closed with explanation