vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 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:
I am requesting the following items should be remove asap. Please provide the documentation of the verifying process. 
The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX, XXXX # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX acct # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I the consumer, After discovering an obscene number of errors on my consumer report contacted Transunion to dispute these errors and to validate all accounts from all furnishers with documentation. I sent in my evidence for how these accounts and their reports from the furnishers were all inaccurate due to fradulent contracts. 
After the reinvestigation the agency sent me the results with nothing on the report changed. The reports/claims from the furnishers did not include any documentation to validate the furnishers claims and if so they were not received at my request from Transunion. After my attempts I went over my credit report once again to discover over 50+ errors on my credit report, some I had not found prior to the dispute. I wrote an affidavit of truth and notice of intent to sue since Transunion has clearly revealed they can not report correctly and accurately on my credit reports, continue to add transactions and interactions with the furnishers, and all full account numbers for these reports as well as the dates opened are not correct. Their reports are unfairly doing me harm as a consumer and are defaming my character. 
In the notice of intent to sue I referenced all violations they are committing against me and what is to be done to cure the situation. I have been met with no communication since sending the notice of intent to sue via registered mail to the agency and I am getting ready to move forward in US district court if no resolution is offered to me including the deletion of the accounts with these inaccuracies and compensation for the emotional and financial damages I have suffered from their 30+ violations.

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 2023-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX, XXXX # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXDisputed before yet still remains XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: NY

Complaint narrative:
I have notified Experian about them updating the XXXX XXXX charge off each month as an active payment. HOW IS A CHARGE OFF AND UPDATED PAYMENT? Experian is falsey manipulatting the statute of limitations.

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 2023-02-12 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: CA

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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : # XXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 an 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 or 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 2023-02-12 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: CA

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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 an 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 or 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 2023-02-12 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: NJ

Complaint narrative:
I am requesting the following items should be remove asap. Please provide the documentation of the verifying process. 
The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : ACCT XXXX XXXX-Disputed before yet still remains XXXX INCACCT XXXX XXXXXXXXDisputed before yet still remains XXXX XXXXXXXX ACCT # XXXX before yet still remains XXXX  XXXX ACCT # XXXX before yet still remains XXXX XXXX XXXX ACCT XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX ACCT XXXX XXXXXXXXDisputed before yet still remains XXXX XXXXXXXX ACCT XXXX XXXXDisputed before yet still remains XXXX ACCT XXXX XXXXDisputed before yet still remains XXXX XXXX, XXXX XXXX XXXX-Disputed before yet still remains XXXX XXXX XXXX XXXX XXXX-Disputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX ACCT # XXXXDisputed before yet still remains XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXXXXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX-Disputed before yet still remains XXXX XXXX XXXX  ACCT # XXXXDisputed before yet still remains XXXXI acct # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  ACCT # XXXXDisputed before yet still remains

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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Hello- I filed XXXX XXXXXXXX XXXX with XXXX WA XXXX XXXX XX/XX/23. After filing, i was served foreclosure papers from my PHH Mtg. With an auction date of XX/XX/23. 
I am also working on getting a modification and have submitted the application for HAF to XXXX and received courts approval to pursue HAF at the XXXX XXXX meeting. 
I can not afford an Attorney as i try to save my home so i am turning to you to ask if i am safe from foreclosure on the XXXX of this month? 
Why did they pursue this after being notified of my Bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
This debt collector is XXXX. They started off by calling my parents nonstop. My father has the same name as me since I'm a XXXX. So they kept calling my dad telling him he owed them for a debt. Until eventually they gave him my social security number and realized he was the wrong person. This Thursday I was with my dad when they called him again twice, then immediately called my phone XXXX in a row from a different number. My father has already told them he is not the XXXX XXXX theyre looking for since it's not his social security number. But they keep calling him everyday nonstop to pressure him to have me call them. So they called both of us Thursday non stop until I finally answered. I was in court when they called. I told them I was in court and couldn't speak and their response was- " Are you at the XXXX XXXX XXXX? Were on our way there right not to file fraud charges on you. The company checksmart has evidence that you've intentionally defrauded their company and they're seeking a judgment. So we're on our way to you at the courthouse right now we'll see you there ''. So they're telling me they're coming to were I'm at, and that they're going to file fraud charges on me, and they're calling me and my parents non stop while we're at work, and threatening both of us. I've never in my life seem a debt collector act like this, knowingly calling my parents after my parents told them to stop, just to put pressure on me. And threatening to come to we're I'm at, and threatening to press charges on me. And this is for a debt they claim is from 2012. The Fair Debt Collection Practices Act prohibits this behavior. Especially since they're calling non stop, to both myself and my parents

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
XXXX was my server and Inputed my income base payment information. In to syetm wrong amd made my account 180 days late which posted to my credit.. I had to taken off credit because of information. was incorrect now with new server nelnet it's back on credit report and come to find out XXXX I have asked many times from nel if I could get this info and they will not give me hard copy or email of anything of my account... well fed never fixed my loan so now it says I wad late in 2018 which messes with my investment and my income repayment vecaue it restarts it is I didn't pay which I did becauw my payments then and still now are still XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: NY

Complaint narrative:
according to this account XXXX account # XXXX. There seems to be serval inaccuracies on this account between the three credit bureaus reporting. The credit bureaus stated my account was accurate but how could that be possible if the data last active is inaccurate, date last reported ins not accurate, and the length of the alleged delinquency is in accurate. This is grounds for removal. According to 15U.S.code 1681i- procedure in case of dispute accuracy. Also The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to highlight that a consumer reporting agency that does not implement reasonable internal controls to prevent the inclusion of facially false data, including logically inconsistent information, in consumer reports it prepares is not using reasonable procedures to assure maximum possible accuracy under section 607 ( b ) of the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In my credit report it shows a different name that is clearly not mine legal name.my legal name is XXXX XXXX and the name that appears as my second name in my credit report is XXXX XXXX which is ridiculous beacuse theres no prove of me ever using that name ever or any identification or utilities bill with such name.

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 2023-02-12 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: CT

Complaint narrative:
On XX/XX/2022 I contacted Experian about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/2022, Balance : {$380.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-02-12 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: CT

Complaint narrative:
On XX/XX/2022 I contacted Equifax about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XXXX/XXXX/2022, Balance : {$380.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
first was my account was false about me having late payment history on my secure card with citi, so after citi received my filed claimed, my other card with citi Bank which was a unsecure credit card with an amount of {$3500.00} limit was lowered to {$900.00} for no given reason when i contact Citi card bank they said they can do this if they want at any time so now they have closed my unsecured account for no reason, so now I want to filed a complaint for unjustified and retaliation because of my previous complaint filed with CFBP, PS I have never been late on this account

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 2023-02-12 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: ME

Complaint narrative:
Transunion is illegally reporting XXXX  months of late payment history on my credit report for a XXXX  XXXX account. Late payments are illegal to report on my credit report according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions as transactions or experiences between myself and the person or credit reporting agency making the report should be excluded from my credit report. I filed a dispute online on XX/XX/XXXX requesting them to remove the illegal late payment history information or the account altogether in my dispute and in less than 5 days they stated they completed my dispute investigation, however, the late payment history and the account still remain on my Transunion 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
Consumer complaint received 2023-02-12 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: NY

Complaint narrative:
according to this account XXXX  account # XXXX. There seems to be serval inaccuracies on this account between the three credit bureaus reporting. The credit bureaus stated my account was accurate but how could that be possible if the data last active is inaccurate, date last reported ins not accurate, and the length of the alleged delinquency is in accurate. This is grounds for removal. According to 15U.S.code 1681i- procedure in case of dispute accuracy. Also The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to highlight that a consumer reporting agency that does not implement reasonable internal controls to prevent the inclusion of facially false data, including logically inconsistent information, in consumer reports it prepares is not using reasonable procedures to assure maximum possible accuracy under section 607 ( b ) of the Fair Credit Reporting Act ( 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