vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 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: MN

Complaint narrative:
Delete Late Payments from XXXX XXXX XXXX XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Your company is in clear violation of the law under 15 USC 1681B-Permissible purpose of the consumer reports the law Clearly states.

( b ) In General subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstances and not other. ( 2 ) In accordance with the written instruction of the consumer whom it relates. Did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( perse ) 2.Negligent Enablement of identity fraud 3.Fair Debt collection practices act 15 USC1692g violations 4.Fair reporting act 15USC1681 violations willful noncompliance-616. Civil liability for willful noncompliance 15USC1681n Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
During Covid. I wasn't able to pay my mortgage on time. I reported to the Bank. National Mortgage ( Mr. Cooper ). and worked ok. 5 months later I went back on track and the Bank only offer was a modification. 
I applied for it, but at the end, they charged me the 5 payments with the modification, and double my debt. I had 20 years left on it at 4.75 % when rates were at 3.0 %. And they double the time to 40 years now with same 4.75 % rate, claiming that the 3 % was not an option for me. I think that they took advantage of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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:
Equifax response does not meet the reporting requirements, they have increased the amount I actually owe in student loans due to their in accurate reporting of my student loan accounts. XXXX are NOW reported under XXXX  - instead of having each loan reported under XXXX correctly, Equifax has kept ONE XXXX  account which is already reporting under XXXX as it should. My actual balance owed is {$10000.00} as shown within the attachment uploaded, which Equifax has refused to review. Equifax is reporting I owe {$13000.00}. The duplicate loan reported is highlighted in red and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was going through my credit reports ( XXXX, XXXX, and EQUIFAX ) and I'm just wanting to request that the late payments be updated as on time payments. To be perfectly transparent, I recently got a divorce and my ex-husband was in charge of the accounts. I noticed afterwards that he missed some payments during the divorce preceding 's. I'm just trying to start this new part of my life over and these late payments are hindering my ability to move on. If you look through my credit report, I have been making my payments on time regularly up until recently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also, there are some addresses that I've never lived at that I seen on my credit report and I request them to be deleted also please. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello this is now my 3rd attempt of having you investigate Equifax for allowing inaccurate information to remain on my credit report which is adversely affecting my daily means of living. there is a XXXX XXXX account number ending in XXXX on my Equifax credit report that is not only reporting a past due balance of {$1400.00} but is also listed as charged off and reports as such every month. As you know according the FCRA a charged off account can not list a past due balance. i HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO EQUIFAX REQUESTING THEM SHOW ME PROOF THAT THEY HAVE THOROUGHLY INVESTIGATED this matter and they always ask for more information. This seems like a stall tactic to not fully verify the validity of this account. which still remains on my report. Please review this matter and have EQUIFAX delete this account please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: IL

Complaint narrative:
factual dispute Equifax has continued to allow XXXX to report inaccurate information even after several disputes this year alone. this account is reporting a {$0.00} amount for last payment on account credit reporting when by XXXX on response document states {$43.00} actually was last payment on XX/XX/XXXX as of XX/XX/XXXX XXXX  certified in accordance with the FCRA laws was reporting correctly in fact the account has not been reporting accurate information violating my consumer rights to accurate reporting I have attached three document 1 ) EQUIFAX PAYMENT HISTORY REPORT 2 ) XXXX RESPONSE LETTER STATING THE ACTAUL LAST PAYMENT AMOUNT 3 ) XXXX RESPONSE LETTER STATING THEY VERIFIED THEY ARE REPORTING LAST PAYMENT INFORMATION ACCURATE when in fact they have not and closed out another complaint with a statement they are attempting to buy the debt back from current debt owner why is this if everything is lawful. MAY I REMIND YOU XXXX & XXXX HAS REINVESTIGATED THIS ACCOUNT AND HAS DELETED THIS ACCOUNT FROM THIER REPORTING FILE AND FURNISHER ( XXXX ) IS ATTEMPTING TO BUY THE DEBT BACK IN HOPES OF ( DAMAGE CONTROL ) COVERING UP UNLAWFUL ACTS MAD ON ACCOUNTN BEFORE DEBT WAS SOLD TO CURRENT DEBT OWNER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under 15 U.S Code 1691b Permissible purposes of consumer report. I never gave you any written consent to report anything on my consumer reports. No consent is identity theft.

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report. These accounts below are in violation.Any credit transaction supposed to be excluded from a consumer credit report. if a Social Security card was used in the transaction.

15 U.S.C 1681S-2 ( A ) ( 1 ) ( E ) ( I ) Rehabilitation of private education loans, These loans below has completed the rehabilitation process, DELETE NOW 1. U S Department of Education XX/XX/XXXX all 12 accounts for different amounts. 
2. XXXX  XXXX has 10 accounts XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 U.S Code 1691b Permissible purposes of consumer report. I never gave you any written consent to report anything on my consumer reports. No consent is identity theft.

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report. These accounts below are in violation.Any credit transaction supposed to be excluded from a consumer credit report. if a Social Security card was used in the transaction.

15 U.S.C 1681S-2 ( A ) ( 1 ) ( E ) ( I ) Rehabilitation of private education loans, These loans below has completed the rehabilitation process, DELETE NOW 1. U S Department of Education XX/XX/XXXX all 12 accounts for different amounts. 
2. XXXX  XXXX has 10 accounts XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the FCRA code 15 US 1681 my rights have been violated as a US citizen and a Consumer. Specifically Under code 1681i- ( reporting containing information solely as to transaction or experiences between the consumer and the person making the report. ) This is listed under the code as an EXCLUSION. Therefore any information regarding payment history by law appearing on my credit report is UNLAWFULL and should be removed or corrected. The following under UNITED STATES LAW should be corrected on my credit report immediately and updated to PAID AS AGREED or removed immediately XXXX - XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I'm getting emails about a balance owed on a card that was opened in 2016 that I didn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC
State: LA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX account # XXXX, has violated my rights.

15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I paid in full a charged off affirm account that I had. The balance was XXXX. Made the full payment on XX/XX/XXXX. A month later I submitted a dispute with XXXX so that affirm could reflect the account as being paid in full. I got a message that affirm would not make changes because the account is being reflected correctly. Yet, its still showing that I have a balance of XXXX. I have pictures showing proof of payment directly from the affirm app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/XXXX : Contacted cardmember service at ELAN with the number provided on my credit report. They passed me to " XXXX '' She does not see any card number associated in their card services department. They handle companies like, " XXXX XXXX XXXX XXXX She does not have record of a card number in my name or my social. Please remove this from my credit report. Here is the info on my XXXX Credit Report today : -- -- -- -- -- -- -- -- -- -- -- - ELAN FINL SVCS This account is currently under dispute under dispute Account info Account name ELAN FINL SVCS Also known as ELAN FINANCIAL SERVICE Account number XXXX Account type Credit Card Responsibility Authorized user Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$14000.00} Balance updated XX/XX/XXXX Recent payment {$47000.00} Monthly payment {$42.00} Credit limit {$25000.00} Highest balance {$18000.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Additional info Between XXXX XXXX and XX/XX/XXXX, your credit limit/high balance was {$25000.00} Contact info : Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MO 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 2023-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We have REPEATEDLY provided proof of both Flood and Home Owners insurance, and Freedom Mortgage refuses to acknowledge it, and is charging us for both. Furthermore, the process to confirm insurance is very difficult, and on their website where youre supposed to be able to submit proof, you can only buy insurance.

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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
They're saying that this is my debt that I owe them I didn't have a capital one card at that time I had just gotten a capital one credit card and intend to use it it's in the right name and address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
IN accordance with the fair credit reporting act. You guys have violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account Name XXXX XXXX XXXX XXXX Account Numbers # Has violated my rights. 15 u.s.c 1681 section 602 A. 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 instruction. 15 u.s.c.1681 C. ( A ) ( 5 ) section state : 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 conviction of crimes which antedates the report by more that seven years. 15 u.s.c. 1681 s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. Iam a natural person, Iam a living human being I have the right under 15 u.s.c 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided with and may possibly be relatives addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also, these phone numbers that aren't mine and should be deleted from each credit reporting agency. 
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 non-monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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:
The Name on the report has been notified as incorrect and Experian as well as, XXXX has continued to place the incorrect name by excluding the Suffix and/or entirely place the incorrect or a fraudulent name on my report. 

I have recorded calls as proof and am willing to take it to court and/or the hire level when necessary. 
I have called them over and over again to wit, has led me to start recording these calls after encountering a rude representative that wanted to tell me the incorrect information ( s ) is " Correct '' ... when i notified her the info is not correct she/he went on to continue asking me what on my report is not correct ....? I had to enforce them confess, Who's report is it .... Mine or theirs... They then hung up after I made them confess it is my report and not their report.

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 2023-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc.
State: OK

Complaint narrative:
I seen that I had an amount owed to advanced collections. I had originally paid {$300.00} to the landlord, the landlord said it was applied to my move out charges, yet I am being charged for the entire amount of {$300.00}. It is Paid. They are falsely applying this to my credit, they are unwilling to help Me since I am turning to you for help. I shouldn't have anything on my credit report as this has been settled before it was even sent over to collections. XXXX XXXX manager XXXX XXXX is the one that I have spoke to about everything.

Company response to consumer: Closed with explanation