vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 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: AL

Complaint narrative:
I informed Equifax that XXXX has removed XXXX XXXX XXXX collection account. That they are reporting I owe. Yet, they have not investigated nor sent me any information on the dispute. Ive tried several times by disputing this collection without anything being done. XXXX has sent me information along the way of my dispute with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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:
EQUIFAX MORTGAGE SOLUTION ( EQUIFAX MORTGAGE SERVICE ) labeled Miscellaneous meaing of various types or form different sources. I did not give any authorization for the process of that, different sources unknown using my XXXX information for applications etc. I applied for mortgage loan with XXXX this is an Act of an Privacy Breach, there is no reason i shall have inquiry from EQUIFAX based on mortgage service. Resulting in other mortgage services having inquiry on my credit file as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: AZ

Complaint narrative:
In XX/XX/XXXX of 2021 we entered into a contract to build a home XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX. 

The home we were building was at XXXX XXXX XXXX XXXX. 

During our initial phone calls I was asked income, assets and gave credit for approval. We were told that we are approved to move forward based on a conventional loan with over {$500000.00} in assets required which we did not have but they proceeded anyway saying that credit and assets can changed over the time of the build. 

Not once over the 12 months was anything requested. Income, assets, job information etc. I have included the internal Underwriting approval letter dated over a year after our contract was signed showing as much. They had not reviewed income, assets, earnest money, nothing besides my credit. 

I also included an email from the lending representative and the contract that states within 45 days the lender ( also Taylor Morrison ) is to provide a notice of conditional approval. The contract clearly states that if the affiliated lender doesn't not provide in that time frame all deposits will be returned. 

At this time we were unable to qualify and ultimately lost the home. Taylor Morrison has refused to return our {$65000.00} deposit and has also recently sold the home for over {$50000.00} more than we had in agreement for our contract. 

We are simply asking that this predatory behavior be reviewed and just want our earnest money back. We are a young family and this has caused major strain and hardship. 

Multiple attempts have been made to the seller, lending officer, Vice President to which we have not got any resolve and as of late will not return any phone calls. 

This has been an extremely emotional time for us and are just asking to do what is right and the return our deposit. 

Thank you, XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Complaint regarding Defamation, Fraud, Deceitful Business Practices has happen to me , where someone has tried to open credit cards, loans , please remove , help , fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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:
I have attached additional documents for case # XXXX. 

CFPB XXXX closed this account without resolving this with Equifax. Equifax is NOT releasing me from this account even though it has been resolved and closed, with a zero balance. I want your help on how can this matter that has been resolved be active. The following agencies, XXXX and XXXX ( see attached credit reports ), have updated the information correctly with a zero balance, and they are not defaming my credit, only Equifax. This doesn't seem to be good on credit, and I am asking you to do the right thing, so the information is cleared with a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: OK

Complaint narrative:
The following account are reporting as charged off, an I havent received my XXXX C form for other account. An because of that fact the account is inaccurate and has to be removed. The account are XXXX XXXX XXXX, AND 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 2023-02-25 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-02-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-02-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 



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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: WA

Complaint narrative:
So I sent a letter off on XX/XX/2022, to remove personal information that I do not want on my credit report. Here is my tracking # XXXX. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected 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 2023-02-25 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: MI

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 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  bankruptcy discharged : 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 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 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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have unrecognized inquires on my credit report, I would like the following inquiries to be removed. 


XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX and public record XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have unrecognized inquires on my credit report, I would like the following inquiries to be removed. 


XXXX XXXX XXXXXXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - non specific XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX and public record XX/XX/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 2023-02-25 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: VA

Complaint narrative:
XXXX. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount XXXX. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount XXXX. XXXX XXXX Account # XXXX {$1000.00} Wrong Amount XXXX. XXXX XXXX Account # XXXX {$330.00} Wrong Amount XXXX. XXXX XXXX XXXX Account # XXXX {$450.00} Wrong amount XXXX XXXX XXXX XXXX Account # XXXX {$800.00} Not Mine XXXX. XXXX XXXX XXXX Account # XXXX Paid and was suppose to be removed XXXX. XXXX XXXX XXXX Account # XXXX Paid and was suppose to be removed XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account XXXX XXXX {$430.00} Wrong amount XXXX. XXXX Account XXXX XXXX {$430.00} Wrong amount XXXX. XXXX Account # XXXX Paid and was suppose to be removed These accounts has violated my rights : 15 U.S.C 1681 Section 602 A - 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681s2 ( A ) ( 1 )

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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive already sent a dispute letter requesting Equifax to remove inaccurate information from my consumer report. Unfortunately, going over my consumer report again, I have found that the derogatory items still remain. I want them to REINVESTIGATE the inaccurate information on my consumer report. I know for a fact that they are not allowed to agree with Furnishers, and that Equifax actually needs to come to their own conclusion to the accuracy or validity of these items. Wheres the proof? Where is the evidence? What certified documents were used to complete their investigation? I would like to know what their METHOD OF VERIFICATION was. Please provide verifiable documentary proof, show me the original consumer contract bearing my wet ink signature on it, show me proof of ownership, show me the certified document for written PERMISSIBLE PURPOSE where I gave permission to furnish accounts or any other information on my consumer report. Please send a detailed description of the procedure used to determine the accuracy and completeness of the accounts I am disputing, as well as the name and contact information of the agent conducting the reinvestigation, send me the paperwork that proves that Equifax did an independent reinvestigation, and further, send me a mailed copy of my consumer report with the updated changes as a result of this reinvestigation and send notices of corrections. I have attached the accounts that need to be reinvestigated. Equifax has no later than 15 days to reply or remove the items specified and to correct the items specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have sent XXXX multiple disputes and an FTC ID Theft Affidavit. I chatted with a representative on XX/XX/23. He stated that they rejected my FTC ID Theft Affidavit on standards that do not meet FCRA 605B. XXXX is in violation of FCRA by having not blocked the fraud within 4 days of receipt. 

I have sent the same disputes to Equifax and they also have violated FCRA 605b by not responding with the 4-day requirement as indicated the law. Equifax also refuses to remove a duplicate erroneous account despite multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO has failed to VALIDATE this debt they only send paper statements under FDCPA thats violating my rights as a consumer. They are also attempting to collect a debt that is past the statue of limitation. They have not provided me with the original contract bearing my wet signature. I have no contract with PORTFOLIO. I have the right to privacy. I never gave consent to report this account on my consumer report. This account needs to be removed/ deleted/ blocked from my consumer report. You told me to contact this company and I have done so.

FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. Delete this now.

Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate.

I have also filed and Identity theft report and this account is included. Its been over 4 business days and this account still hasnt been blocked under FCRA 605B 15 U.S.C. 1681c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 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: VA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
I have reached out several times and even included the XXXX and they never could get the to respond including XXXX XXXX XXXX. No one has ever been able to reach anyone or get a response. I have been trying to let the company know that I am unable to work due to medical issues and have been placed on XXXX XXXX XXXX by my work due to my XXXX orders. I was informed by Citizens Bank ( which can not do anything bc the Citizens Pay dept is a separate company they explained ) said they do have some kind of program for people who have this exact issues and can even charge of remaining balance with benefit protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Someone opened a visa platinum credit card with Wells Fargo in my name without my consent I don't know how they got my personal information nor do I know who opened it. On XXXX I ran a credit check with XXXX credit reporting agency and they confirmed that the credit card was opened on XXXX of XXXX and the balance owed is XXXX. I received a bill in the mail by Wells Fargo in XXXX and they are billing me for this payment as well. I also discovered that some also attempted to run my credit with other banks but we're rejecting however my credit score is extremely low because of these illegal identity theif actions. Also I discovered on my credit report that companies I never worked for is noted that I'm employed by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-25 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: WA

Complaint narrative:
So I sent a letter off on XX/XX/2022, to remove personal information that I do not want on my credit report. Here is my tracking # XXXX. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected 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 2023-02-25 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: WA

Complaint narrative:
So I sent a letter off on XX/XX/2022, to remove personal information that I do not want on my credit report. Here is my tracking # XXXX. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I closed my account due to overdrafts and them paying auto drafts that had been canceled by myself. They were paying XXXX even tho they had been canceled because I had moved out of state. Charges of approx XXXX a month plus overdrafts of XXXX per week. I'm on SSI and get paid once a month. This was in XXXX XXXX. I moved from XXXX to 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