vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 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: TX

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 acct. XXXX Account name # XXXX XXXX acct. XXXX Accountname # XXXX acct. XXXX 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 2022-10-12 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: TX

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 acct. XXXX Account name # XXXX XXXX acct. XXXX Accountname # XXXX acct. XXXX 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 2022-10-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had a CapitalOne XXXX sliver and my spouse passed away and I was unable to make to payments alone. It from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
It's XXXX again, I reached out to Westlake Financial Services regarding the Charge-off account and the Stature of Limitation of the XXXX Loan. XXXX XXXX XXXX send me a copy of the yhe entire payment history of the XXXX XXXX which identified the amount of the loan from XXXX XXXX XX/XX/XXXX never changed. XXXX on my last credit report I received in XXXX stated the amount of the monthly payment was reduce from the original monthly payment o {$400.00} to {$300.00} a month as of XX/XX/XXXX. Apparently XXXX has decided to collect money for XXXX XXXX XXXX that XXXX has no authority to ask XXXX to do according to the on going investigation being conducted by the California State Attorney General XXXX XXXX XXXX. I asked the State Attorney General to investigate possible Fraud by XXXX, since the Corporate office is located in XXXX XXXX, California. Westlake Financial Services has denied asking XXXX to collect money for them as a XXXX XXXX. XXXX has stated to me that the original loan was never re-finance for the monthly payments to be lowered from {$400.00} to {$300.00} as of XX/XX/XXXX. XXXX XXXX has stated if asked by the California XXXX Attorney XXXX XXXX has XXXX ever been told to collect money, it will be denied by XXXX XXXX XXXX is responsible for selling the loan to a collection Agency and XXXX is not a Collection Agency. I will know within the next 45 days what the outcome will be on the California State Attorney General decision. Since I have received the entire payment history from XXXX, I can proceed with legal action against XXXX since their is no Collection Agency been assigned by XXXX to collect on a Closed Charge-off account Stature of Limitation has expired .Westlake Financial Services XXXX XXXX XXXX as Charged-off and account closed. XXXX and XXXX has already removed he XXXX from XXXX XXXX XXXX. According to Westlake Financial Services has never asked XXXX XXXX to keep the account on my credit file beyond the 7 year Stature of Limitation which is against FCRA Policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX Account Number : [ ] XXXX Reason : [ need it remove been to long ASAP PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
NAVIENT is willfully failing to comply with the law and if they do not DELETE the account and stop reporting it and other information on my consumer report that I did not give them permission to do they will be held liable to me the consumer according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. 
They are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, for failing their responsibilities and for not deleting inaccurate information from my consumer report. 
They are in violation of 15 USC 1681b ( 2 ) - Permissible purpose of consumer reports, I did not give them written permission to report anything on my consumer file. 
They are in violation of 18 USC 1028A, they knowingly transferred, possessed, and used my identity without my consent. 
They are in violation of 15 USC 1681e ( e ) ( 1 ), they must produce the permissible purpose, they must also certify it and send me disclosures. 
They are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly says that transactions and experiences are not to be included in a consumer report. 
They are in violation of 15 USC 1681 ( a ) ( 4 ) they have invaded my right to privacy. 
They are in violation of 15 USC 6801 - Protection of nonpublic personal information. They are obligated to respect my privacy and to protect my security and confidentiality of my nonpublic personal information. They have not done that. My information is not a matter of public records. 
They are in violation of 15 USC 6803 ( a ) ( 1 ), ( 2 ) & ( 3 ) - Disclosure of institution privacy policy, I was not given three clear and conspicuous disclosures of their policies and practices. 
They are in violation of 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) & ( C ) - Obligations with respect to disclosures of personal information. I was not given three clear and conspicuous disclosures on the option to opt-out. 
NAVIENT is in violation of 14 violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
FREEDOM MORTGAGE encouraged me to do a forbearance due to financial hardship. The mortgage company encouraged me to do loss mitigation to help with the past due amount. The process began in XXXX of 2022. The representative told me not to make payments during this process. Every time I would submit paperwork required by the mortgage company, they would always be missing something. I would send the missing documents and check back the next week. Then, they would say the paperwork expired. I would have to start over. So I did. Many times. On XX/XX/XXXX I sat on the phone with a rep to make sure all paperwork was received because I received a foreclosure notice. The rep told me not to worry about the foreclosure, they will extend it. I made sure all paperwork was sent. The rep said the next step is the paperwork is sent to underwriting and to check back in a couple weeks. I checked back on XX/XX/XXXX and was told paperwork was missing again. I sat with the rep and went through all of the paperwork. She said nothing was missing. She didn't understand. She told me to hold on for a few minutes. When she returned, she said she discovered a check stub was missing. I think she was lying to cover for the mortgage company. Once again, I sent in all paperwork asked of me and verified everything. She said she submitted it for review. I was never notified of any missing paperwork after XX/XX/XXXX. I thought everything was OK, like the representative stated. The representative from the XX/XX/XXXX call told me to call back the following Monday. Meanwhile I have been working with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I was approved and XXXX XXXX was trying to pay the past due amount in full so I didn't lose my house. Regardless of that, they proceeded to foreclose on my property. When I called that Monday they said I had to pay XXXX to avoid foreclosure. They knew I was doing XXXX XXXX XXXX XXXX But they didn't care. XXXX XXXX  tried to intervene but was unsuccessful. After the auction, XXXX XXXX discovered that Freedom Mortgage in fact purchased the property. She called Freedom Mortgage and they said if she paid the past due amount and I paid the foreclosure fee we could keep the house. Now they are not returning calls to me or XXXX XXXX XXXX. They tried to lie to me and say they didn't purchase the property. According to the XXXX XXXX XXXX XXXX XXXX XXXX, they did. They told XXXX XXXX that a supervisor would contact her and myself but that has never happened. So I'm sitting her not knowing if I have just lost everything or not. They act like they are doing everything possible to stop me from keeping my home. I have XXXX kids and we are about to be homeless thanks to Freedom Mortgage scamming people into losing their homes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In XXXX of XXXX I received an online offer from CITIZENS bank to have {$300.00} deposited to my account if I make a direct deposit of {$500.00} or more with in 60 days. The XXXX was completed on XX/XX/XXXX. I have still not received the promised funds. When calling them they are telling me they do not see this offer at all. This is false, the only reason the account was opened was because of the promotion offered. 

Citizens bank is not honoring their promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12 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: AZ

Complaint narrative:
I disputed the inquiry with TansUnion. No response The below named company that accessed my report via TransUnion was contacted and reported not having an authorization from me. 
XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX Phone ( 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