vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The CRA 's ( XXXX, Equifax, and XXXX ) have refused to communicate via phone, letters, or internet on why my account is frozen. I have sent in paperwork without getting a response. I have called ... each CRA has refused to rectify this situation. My credit report has not been updated in over 9 months. I have creditors calling me about accounts I have not opened. I need this situation to be corrected. I need help. Please reach out to me @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The CRA 's ( XXXX, XXXX, and Experian ) have refused to communicate via phone, letters, or internet on why my account is frozen. I have sent in paperwork without getting a response. I have called ... each CRA has refused to rectify this situation. My credit report has not been updated in over 9 months. I have creditors calling me about accounts I have not opened. I need this situation to be corrected. I need help. Please reach out to me @ 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 2022-07-19 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: PA

Complaint narrative:
IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY ....

15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES I DIDNT AUTHORIZE. 
______________________________EXPERIAN XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX ( Miscellaneous XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX AND XXXX COLLECTION BELOW : XXXX XXXX XXXX Original creditor : XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$320.00} XX/XX/XXXX XX/XX/XXXX, _______________________________________ Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount 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 2022-07-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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. 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 non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my cell was blowing up with inquiries on my credit there were approx 10 i had to call 10 they were not mine i immediately placed a freeze on all my credit reports. Than i was notified XX/XX/XXXX that a new open loan was on my credit report for XXXX i called them right away all they did was say mail docs to claims @ upgrade.com i did not i try to call them no response i called the police and filed a report. They tried to call because we have a suspect no one calls back. This loan was given with a freeze on all three bureaus and also my phone number to call if they have any questions they ignored the the freeze and opened a line a credit and it was maxed out immediately. They don't call back and don't even call law enforcement back so i know the status of this fraud account. This should have never been open with a freeze none of the information matched my credit report all the other 9 denied the application due to suspicious activity and not matching my report upgrade inc XXXX XXXX XXXX XXXX floor XXXX XXXX ca XXXX phone number XXXX or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: OH

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 XXXX XXXX, has violated my rights. 
Open Account May 23,2022 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 15 U.S.C 1692 ( E ) It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

15 U.S.C 1692 ( A ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX on XX/XX/XXXX The companies in question XXXX XXXX Transuion All credit agencies Had 30 days to delete or remove the fraudulent items below also had 4 buisness days to remove the Fraudulent items within 4 buisness days after acknowledgment of the items confirming and identifying identity theft according to Section 605 B of the FCRA! XXXX have violated my consumer rights My attorney have sent XXXX a certified representation letter and Faxed proof of identity theft information they have not responded or removed the fraudulent items from my credit report XXXX - Collection ( XXXX XXXX XXXX XXXXXXXX $ Inquiries XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Also Transuion and XXXX blocked me from viewing or logging in to dispute online XXXX have not updated any information or deleted fraud inquiries or Accounts XXXX had 30 days to remove BELOW ACCOUNT XXXX XXXX XXXX $ collection And any accounts thats showing late payments Ive also sent a certified letter to XXXX Verifying Drivers license Proof of address XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone XXXX Police Report FCRA letter section 605b they have not removed the fraudulent accounts according to ftc! These companies have not provided me any proof of the original contract nor they provided me proof as to how these accounts are mine with that being said all comps murd above had 30days to resolve my dispute they all have failed to protect my consumer rights as of XX/XX/XXXX Im taking legal action in federal court to recover emotional distress And violations of my consumer rights!!!

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 2022-07-19 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/XXXX on XX/XX/XXXX The companies in question Experian XXXX XXXX All credit agencies Had 30 days to delete or remove the fraudulent items below also had 4 buisness days to remove the Fraudulent items within 4 buisness days after acknowledgment of the items confirming and identifying identity theft according to Section 605 B of the FCRA! XXXX have violated my consumer rights My attorney have sent XXXX a certified representation letter and Faxed proof of identity theft information they have not responded or removed the fraudulent items from my credit report XXXX - Collection ( XXXX XXXX XXXX XXXXXXXX $ Inquiries 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 blocked me from viewing or logging in to dispute online XXXX have not updated any information or deleted fraud inquiries or Accounts Experian had 30 days to remove BELOW XXXX  XXXX XXXX XXXX $ collection And any accounts thats showing late payments Ive also sent a certified letter to Experian Verifying Drivers license Proof of address XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone XXXX Police Report FCRA letter section 605b they have not removed the fraudulent accounts according to ftc! These companies have not provided me any proof of the original contract nor they provided me proof as to how these accounts are mine with that being said all comps murd above had 30days to resolve my dispute they all have failed to protect my consumer rights as of XX/XX/XXXX Im taking legal action in federal court to recover emotional distress And violations of my consumer rights!!!

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Late payment that is reported on XX/XX/2019 and XX/XX/2019 is inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and must continue to review and correct my credit file due to fraudulent accounts reporting within my file. The fraudulent accounts are XXXX XXXX accounts and a XXXX account. I also have several inquiries that were not authorized by me and are fraudulent. The fraudulent inquiries are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/22 and XX/XX/22 )

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 2022-07-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX Accounts # XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U. S. C. 1681 section 602 A States I have the rights 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 2022-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
Received an XXXX alert and XXXX ID theft alert regarding a credit inquiry using my information. The attempt was made on XX/XX/2022 through XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). It was suggested to file a complaint to FTC, which passed me to this website. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and must continue to review and correct my credit file due to fraudulent accounts reporting within my file. The fraudulent accounts are XXXX XXXX accounts and a XXXX account. I also have several inquiries that were not authorized by me and are fraudulent. The fraudulent inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22, XX/XX/22 and XX/XX/22 ), XXXX ( XX/XX/22 and XX/XX/22 )

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 2022-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient refuses to forgive my loans based on the Navient Attorney General Settlement agreement. I meet all the settlement requirements that have been provided to the public. 

They continue to have predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Late payment that is reported on XX/XX/2019 and XX/XX/2019 is inaccurate data.

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Late payment that is reported on XX/XX/2019 and XX/XX/2019 is inaccurate data.

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 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My complaint is about Capital One 360. 
On XX/XX/2022, I noticed two unauthorized transactions on my account. These transactions were XXXX transfers to a certain XXXX XXXX amounting to {$130.00} + {$300.00} = {$430.00}. 
I immediately called and alerted the bank, which took note and promised to reinstate a temporary credit to my account. 

Meanwhile, on XX/XX/2022, the bank credited my account with {$430.00} but denied me access to the funds. Several calls I made with them couldn't give me access to my money. 
At some point, I was told that I should expect a check in the disputed amount and any other balance in my account and that Capital One 360 had resolved to close my account and discontinue doing business with me in the future. I won't be allowed to bank with them going forward. 

On XX/XX/2022, the credited amount of {$430.00} was reversed by Capital One 360 and deducted from my account. 


Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have a 20 year mortgage with PHH Mortgage. I am having trouble in resolving an incorrect tax payment issue made by them for XXXX XXXX and XXXX XXXX. Here is the summary of the problem : 1. They incorrectly paid property taxes for XXXX XXXX and XXXX XXXX to a different county ( I am from XXXX XXXX XXXX XXXX XXXX XXXX and they paid to XXXX XXXX XXXX XXXX XXXX ) 2. As a result, my taxes were delinquent for 2 qtrs and I was notified by my county. 
3. When I contacted them in XX/XX/XXXX with the issue, they took 3 months and finally made the payment on XXXX XXXX for the delinquent taxes. 
4. They were trying to collect the incorrect payment but were following up with the wrong county. 
5. After failing to recover the amount, they are now trying to recover the amount from me as additional escrow payments citing negative escrow balance. The negative balance was created by their mistake of making payments to the wrong county 6. As a result, my mortgage amount will go up by {$180.00} per month from XX/XX/XXXX 7. I am trying to resolve and reverse the increase as their failure to collect and recover the money is not my problem and I should not be victimized for the same 8. I am been calling them up every week for last 6 weeks and getting no resolution at sight. Need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Possible Financial Inc
State: OH

Complaint narrative:
I received a loan from possible inc in a form of a revolving small credit line and for the past three months, this company has drafted out {$50.00} each month. And as I seen this amount being drafted out my account, the balance in the loan hasnt changed. In addition to that each month they have reported on my account 30, 60, 90 day delinquency marks to my credit report. As the result of this, I have been denied credit card approvals, denied access to car loan and deem ineligible for mortgage and other possible renting situations. At this point can these delinquencies be removed from my credit report. I would greatly appreciate it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
there are inquiries on my account and i have spoken to the bureaus and still nothing happens

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 2022-07-19 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: IN

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account XXXX : XXXX Please remove it from my credit 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 non-monetary relief