vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # ending in XXXX THE HOME DEPOT/CBNA, has violated my rights. 

15 USC 1681 section 602 States I have the right of privacy.

15 USC 1681 section 604 A section : 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 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 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hi, This is an official complaint regarding the handling of my student as a doctoral student. I am at the end of my coursework and working on my project. This has never happened to beforehand, and the person handling my appeal is be negligent. I have sent documentation and also explained my circumstances. She insists on getting a credit report, but there is fraud on it and other incorrect stuff. I start school on XX/XX/28. I am tired of explaining and her denying my school loans because of XXXX collections of accounts that need to be corrected. 



That is incorrect. My stuff is under investigation for fraud. So that is only possible once they are done fixing everything. So, I need to reach out to someone myself. You are holding up the process and making it difficult for me to complete or complete anything. I explained the situation, and you need to be helping. I don't need payment arrangements on balances or information that is correct or fraudulent. Plus, the medical bill is coded wrong and should be covered under my insurance. I called XXXX, and they told me to call XXXX and XXXX, which must be corrected. My charge card from XXXX was just closed because of identity theft. You can not get a credit report when it is under investigation. So, this is my formal complaint to the CFCB and the Federal Trade Commission, and I also forwarded it to XXXX University. 



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 2023-08-24 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Hi, This is an official complaint regarding the handling of my student as a doctoral student. I am at the end of my coursework and working on my project. This has never happened to beforehand, and the person handling my appeal is be negligent. I have sent documentation and also explained my circumstances. She insists on getting a credit report, but there is fraud on it and other incorrect stuff. I start school on XX/XX/28. I am tired of explaining and her denying my school loans because of XXXX collections of accounts that need to be corrected. 



That is incorrect. My stuff is under investigation for fraud. So that is only possible once they are done fixing everything. So, I need to reach out to someone myself. You are holding up the process and making it difficult for me to complete or complete anything. I explained the situation, and you need to be helping. I don't need payment arrangements on balances or information that is correct or fraudulent. Plus, the medical bill is coded wrong and should be covered under my insurance. I called XXXX, and they told me to call XXXX and XXXX, which must be corrected. My charge card from XXXX was just closed because of identity theft. You can not get a credit report when it is under investigation. So, this is my formal complaint to the CFCB and the Federal Trade Commission, and I also forwarded it to XXXX University. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Hi, This is an official complaint regarding the handling of my student as a XXXX XXXX. I am at the end of my coursework and working on my project. This has never happened to beforehand, and the person handling my appeal is be negligent. I have sent documentation and also explained my circumstances. She insists on getting a credit report, but there is fraud on it and other incorrect stuff. I start school on XX/XX/28. I am tired of explaining and her denying my school loans because of 3 collections of accounts that need to be corrected. 



That is incorrect. My stuff is under investigation for fraud. So that is only possible once they are done fixing everything. So, I need to reach out to someone myself. You are holding up the process and making it difficult for me to complete or complete anything. I explained the situation, and you need to be helping. I don't need payment arrangements on balances or information that is correct or fraudulent. Plus, the medical bill is coded wrong and should be covered under my insurance. I called XXXX, and they told me to call XXXX and XXXX, which must be corrected. My charge card from XXXX was just closed because of identity theft. You can not get a credit report when it is under investigation. So, this is my formal complaint to the XXXX and the Federal Trade Commission, and I also forwarded it to 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 explanation
Consumer complaint received 2023-08-24 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: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 my student loans were transferred from Nelnet to a different servicer, XXXX. These loans are still showing as being active with a balance due to Nelnet on my credit report but they are not, as they have been transferred to XXXX and as a result were fully paid on Nelnet 's end. Nelnet had not reported any updated information to XXXX credit reporting since then. I filed a dispute with XXXX and contacted Nelnet, Nelnet stated to me that this information was correct and they would send updated information to XXXX that would remove these loans from my credit report. They did not, instead they reported the balances as being higher than the last report and that they are still actively due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: DISCOVER BANK
State: NY

Complaint narrative:
This discover credit card was opened with out my knowledge. 
I didn't utilize the credit for any personal purchases. 

Please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: VA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-24 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-24 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am submitting this complaint to INNOVIS due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: VA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-24 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To Whom It May Concern : Capital One sent out billing statements to the credit bureau for the billing statement ranging from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. There was an interest of {$8.00} that accrued on my credit card that was interpreted by the credit bureau as a missed payment. Now showing as a delinquent mark on all three credit bureaus. 

I never had a missed payment of {$8.00} with Capital One. Capital One should not have sent automatically my personal billing statements to the Credit Bureau for additional information that was not specific in relation to a missed payment late at the 30-day mark that is by standard reported late to the credit bureau XXXX 

I spoke with XXXX, Manager at Capital One on XX/XX/, to try to resolve this issue over the phone and was informed, I would need to send a letter in writing to their Credit Bureau Dispute Department to have this matter resolved even though the error is with Capital One and the additional information they provided the Credit Bureau agencies. 

This is an infringement on my privacy and the good faith standard of what information is sent over to the Credit Bureau agencies. 

I would like this matter investigated, and the correction made to retract inaccurate information concerning late payments that were never payments only interest accrued on my credit card with Capital One. 

Due to this incorrect delinquent mark on my credit report, I have not been able to take out a personal loan for a matter that was important for me and my household even though I have a credit score of XXXX as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I knew approximately 60 days I was going to be out of a job and completely out of income. I was also rapidly depleting savings. I started to reach out to my servicer, Carrington, as quickly as possible to advise them of my situation and to request a forbearance or deferral in order to help preserve my credit while Im aggressively pursuing new job opportunities. 

For the last several weeks, i have submitted documentation, i have submitted letters of explanations and Im now officially late by two weeks. All I had were sporadic emails telling my loss mitigation request was missing documentation. The department REFUSED to talk to me, hear my case and I was forced to talk to 7 different customer service reps who had a variety of different versions of my assistance request. They called me to demand payment today. I told them i had repeatedly provided loss mitigation everything they needed. The rep then put me on hold spoke to the department and then came back and said that they closed my case and stated that i just default, tarnish my credit before theyll even start to consider working with me!

The VA service rep tried to help as well and they were essentially told, no assistance would be provided. Trying to be a responsible debt holder has been painful to say the least and Im in desperate need to guidance and help to have their loss mitigation stop ignoring my calls for help.

Please help me bring direction to this. I do not want i lose out home and am just asking for temporary assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: IN

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

This is account needs to be investigated and deleted immediately from my file. 
Please send me confirmation once complete. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. This needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: IN

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

This is account needs to be investigated and deleted immediately from my file. 
Please send me confirmation once complete. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. This needs to be done.

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 2023-08-24 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
They said they was going to remove the inquiries, but they never did inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-08-24 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: Open Dealer Exchange, LLC
State: OH

Complaint narrative:
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 700 CR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Fraudulent 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 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

Company response to consumer: Closed with explanation