vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Called XXXX XXXX 3 different times after spending 30 to 45 min on phone and asking to explain to me why they are reporting 30 60 30 day late payments. After going over the accounts I was put hold on while they looked into it and was hang up on each time. In XXXX I tried to dispute the accounts and they came back verified. I paid and closed Both accounts the same day XXXX XXXX Account XXXX also Account XXXX. Experian also XXXX are reporting inaccurate information. 
As of XX/XX/XXXX is being reported Account XXXX *Updated : XX/XX/XXXX ( Inaccurate ) *Last Payment of {$0.00} ( how can they report {$0.00} payment ) ( Wrong info ) * *Date ClosedXXXX ( waited two months to report the account closed ) *Last Payment Made:XXXX ( The date of last payment made ) Account XXXX Updated XX/XX/XXXX Payment received : {$120.00} ( I haven't made a payment to this account since I closed Accouts. ) Last payment made : XX/XX/XXXX Date ClosedXXXX also reporting history XX/XX/XXXX This is completely against FCRA and has caused hardship to me and my family by these credit Bruals doing frivolous acts to consumers knowingly and I want this to be off my report. Next I will be contacting a consumer law attorney if this is not taken care of in a timely manner

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 2023-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Adjustment Services of Harrisburg, Inc
State: IN

Complaint narrative:
Credit Adjustment Services of Harrisburgh INC. dab Cash-Pro INC. has Falsely reported a trade-in on my credit report. They are a third-party Debt collector, who have violated my rights under the FDCPA. They were given my personal information under false pretenses and has now damaged my credit report. I Feel ashamed and personally violated that they would commit such act against me and my reputation. I demand that they delete the trade-in that furnished on my credit report immediately or I will take action to sue them under FDCPA. they are demanding I pay them immediately as if I ever done any type of business with their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Netspend Corporation
State: AL

Complaint narrative:
DISPUTED CLAIMS Unauthorized Claim ID : XXXX Claim Closed Claim Received XX/XX/23 Under Investigation XX/XX/23 date reported Credit : ATM Cash Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 - {$200.00} Credit : ATM Cash Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 - {$200.00} Credit : Signature purchase from XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XX/XX/23 - {$10.00} Credit : Signature purchase from XXXX XXXX XXXX XXXXXXXX AL XXXX XXXX XX/XX/23 - {$39.00} Credit : Signature purchase from XXXX XXXX XXXX XXXX XXXXXXXX WI XXXX XXXX XX/XX/23 - {$10.00} Credit : Signature purchase from XXXX CXXXX XXXX XXXX XXXX WI XXXX XXXX XX/XX/23 - {$10.00} Credit : Signature purchase from XXXXXXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XX/XX/23 - {$10.00} Credit : XXXX purchase from XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 - {$17.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have previously disputed the account with XXXX XXXX XXXX XXXX and TransUnion stating the account is being reported inaccurate. The account is being reported past due, but the account was closed on XX/XX/2023. Per the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 section 623 subsections ( 7 ) ( A ) ( i ), I am to be notified, in writing, of the furnishing of negative information to the consumer reporting agencies by the financial institution. XXXX XXXX XXXX XXXX did not provided me, in writing, the notice of furnishing negative information to the consumer reporting agencies before or 30-days prior to furnishing the information. I have ask TransUnion to investigate this issue but the consumer reporting agency have failed to do so. The account is not past due and no written noticed of past due account was sent to my home address. My home address is shown on my credit report and is shown in the attached document provided.

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LoanCare, LLC
State: PA

Complaint narrative:
I claimed XXXX  XXXX bankruptcy in XX/XX/XXXX. I excluded my mortgage and continued to pay on my mortgage which XXXX current with through todays date XX/XX/XXXX. The mortgage company is failing to report my current payments to the credit bureaus and have not reported any payments since XX/XX/XXXX. They claim that my bankruptcy attorney never filed a reinstatement agreement and therefore its the lawyers fault. Regardless I have been making timely payments for the last two years and its not fair that my family is being harmed when current payments are being made. They should be reported to the credit bureaus so my credit reflects my mortgage. They send me mortgage statements every month and I pay on time. Theres no reason its going unreported. My fico score can not go up because my mortgage is not reflected even though Im current on all payments. Please help!

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 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
Debt Collection Law Firm in over 14 FDCPA and FCRA and CFPB violations. 

Have filed a frivolous lawsuit without answering and proving they are the holder in due course, have a signed contract with my name on it or have a contract to collect on behalf of Citibank, NA.

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: WA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-20 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH ANOTHER VIOLATION UNDER THE FCRA.

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 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Wednesday XX/XX/XXXX I got card activated. Used it a couple of times then on XX/XX/XXXX I called back and they say they cant verify my phone number. XX/XX/XXXX called back again same thing I cant verify your phone number call from a different phone. How is that gon na help you want me to verify the phone Im using but call from somebody elses phone. I want my XXXX out but they want let me touch it to withdraw

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 2023-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am writing to dispute the presence of a paid and closed mortgage loan account on my consumer reports. As per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( a ) ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is not included in a consumer report.

Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This includes my social security card, drivers license/ID, and license plate, which were used for the extension of credit.

By including the paid and closed mortgage loan account on my consumer reports, you are willfully noncompliant under the civil liability section of the FCRA 15 USC 1681n and the TILA 15 USC 1601.

Furthermore, the GrammLeachBliley Act 15 USC 6802 states that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information without clearly and conspicuously disclosing to the consumer, in writing or in electronic form, that such information may be disclosed to such third party. Specifically, GLBA Section 6802 ( a ) requires that a financial institution may not disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of the Act. GLBA Section 6802 ( b ) ( 1 ) also requires that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

I have not received proper notice from your company nor have I been given an opportunity to opt-out of the disclosure of my nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: NE

Complaint narrative:
Back in XXXX on the XXXX of XXXX, I requested that they no longer contact me. I called them up and have it recorded that they agreed to no longer email, call, or send letters in the mail. I had an agreement set up through a third party to pay off the loan. They sent a letter out in XXXX on XXXX XXXX  stating that I owed them Money. They then sent out another letter in XXXX on XXXX XXXX. This resulted in someone in my family seeing this letter and sending them over {$2500.00}. The amount that I owed them through an agreement was {$990.00}. I tried to call them again and demanded that they repay the money back. They refused to do anything about. I called again last Wednesday on XX/XX/XXXX  and talked to someone about it. They assured me nothing was sent out after the XXXX of XXXX. When I started telling them that I am still getting letters and causing problems in my family they assured me someone would be calling me by last Friday, XX/XX/2023. I just called them up again and they still have no answers or anything on what is going.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I've signed up for this account with the promise of a high APY of XXXX. My money stayed there for 6 months and I receive 0.5 % interest for all this time. Tried to contact them, and I was told they would deposit the correct interest but they didn't again. No explanations at all. Looks like it is a scam and I see other complaints about the same problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: NC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: FL

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 XXXX 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 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.

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 2023-03-20 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: FL

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 XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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.

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 2023-03-20 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: FL

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, XXXX, 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items listed on my credit report. Upon reviewing my credit report, I noticed two negative items that require immediate attention. 

Firstly, I found an inquiry by XXXX XXXX , XXXX on XX/XX/XXXX, which was not authorized by me. I have no recollection of authorizing this credit pull, and therefore, I demand that it be removed from my credit report immediately. 

Secondly, I noticed an account listed under the name of XXXXXXXX XXXX XXXX XXXX XXXX XXXX with an account number of XXXX. I do not recognize this account and kindly request that you investigate whether it belongs to me. If it does not belong to me, please delete it from my credit report. 

I understand the importance of maintaining a good credit score and I am taking the necessary steps to resolve these issues as soon as possible. I would appreciate your prompt attention to these matters and the removal of these negative items from my credit report. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: IL

Complaint narrative:
XXXX, XXXX and TRANSUNION is continuously reporting inaccurate information to my consumer report, they have taken a vital role in myself and my childrens lives. They are practicing identity theft since I have never given any written authorization to share any of my personal information to any third-party entities which is a VIOLATION OF MY RIGHT TO PRIVACY. WHERE IS YOUR AUTHORTY? These companies have willingly and knowing reported inaccurate information after I have made several attempts to save my family from the malicious intentions we have endured. I have attached a response from a past complaint showing that XXXX did not reinvestigate after I provided information that this account was sold to another lender, how did they not know this information BEFORE ME and play such an important role in my life? TRANSUNION closed my recent dispute without providing a reason. This negligence has prevented me from purchasing a home, made insurance rates more expensive and has caused trouble in my marriage. I expect this false information to be removed from my report IMMEDIATLY this is ABUSE. Who is XXXX XXXX? WHERE IS A CONTRACT BETWEEN MYSELF & XXXXXXXX XXXX? I have never heard of this company why are these companies allowing this?

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