vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TranUnion is dragging there feet # XXXX XX/XX/XXXX Registered Letter I supplied them three forms of ID and supporting Documents Court Letter and asking them to change the XXXX Filing Date SUPPLIED THEM A LETTER WITH CONTACT TO GET ACCURATE DATES I also supplied them corespondences XXXX XXXX as XXXX XXXX XXXX XXXX QUALIFYING IT TO BE IMMEDIATELY REMOVED FROM REPORT the bureaus have a unique way to drag on and and extend and reopen disputes my letters attached to them and in CFPB Complaint # noted above copied you as well THESE DOCS ARE STRONG EVIDENCE TO IMMEDIATELY BE REMOVE my question is how can they say VERIFIED when my on going registered letters to the creditors direct GO UNANSWERED this is proof THERE CLIENTS NOT MINE ONLY HAVE TO SEND A ELECTRONIC RESPONSE WITH NO SUPPORTING DOCS OR EVIDENCE in my letters it clearly states how these illegal tatics to collect IAM NOT RESPONSIBLE EVEN IN A MARRIAGE FOR A SPOUSE COMMITMENTS THIS LAW WAS CHANGED YEARS AGO bottom line proof of contract bearing my signature not estabilished as far XXXX XXXX XXXX MY LETTER AND UNANSWERED COMPLAINT GO UN ANSWERED FOR MONTHS also my proof and registered letters to both fact included THIS HAS TO GET CORRECTED IMMEDIATELY NO 30 DAY FROM NOW OVERDUE I have become homeless denied leasing options as well unqualified mortgage loan and tend to hold TransUnion Liable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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 XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions Permanently Delete the Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-01-27 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:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-01-27 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-27 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit Acceptance continue to report inadequate information on my report, The car was a lemon only drove the car for two day and the engine locked up at XXXX XXXX  i was having new tires placed on it. I had a warranty and they refuse to repair the car. they wanted me to pay out of pocket for XXXX shop broke down the engine and tell them why the engine transmission locked up. XXXX told me that would cost more than the car is worth to do that. i gave them the car back in may they picked it up from XXXX XXXX were i had it tow to. The dispute department XXXX called me and tell that there was nothing they could do and she also Statement if this will make me feel better they have stop using XXXX XXXX. this the place i bought the car from 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 2023-01-27 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I closed my XXXXXXXX XXXX credit card on or about XX/XX/XXXX however my account is not completely accurate under the Metro 2 and FCRA mandatory requirements as the account data fields do not report my account as CLOSED BY CONSUMER with the required DATE CLOSED which is XX/XX/XXXX. To wit, my XXXX credit report of XX/XX/XXXX continues to inaccurately report my account as OPEN. XXXX XXXX  and every CRA are NOT Metro 2 Compliant as the CLOSED account status with the date closed was required to be submitted electronically promptly upon closure to every CRA, not piecemeal or never, so that the inconsistency and prohibited Facially False Data was required to be caught by every CRA to assure maximum possible accuracy. Inadequate Internal controls at every CRA and XXXX constitute a violation of the FCRA as set forth in the XX/XX/XXXX advisory of the Director of the CFPB. Delete my account permanently.

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 2023-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I closed my XXXX XXXX credit card on or about XX/XX/XXXX however my account is not completely accurate under the Metro 2 and FCRA mandatory requirements as the account data fields do not report my account as CLOSED BY CONSUMER with the required DATE CLOSED which is XX/XX/XXXX. To wit, my XXXX credit report of XX/XX/XXXX continues to inaccurately report my account as OPEN. XXXXXXXX XXXX and every CRA are NOT Metro 2 Compliant as the CLOSED account status with the date closed was required to be submitted electronically promptly upon closure to every CRA, not piecemeal or never, so that the inconsistency and prohibited Facially False Data was required to be caught by every CRA to assure maximum possible accuracy. Inadequate Internal controls at every CRA and XXXX constitute a violation of the FCRA as set forth in the XX/XX/XXXX advisory of the Director of the CFPB. Delete my account permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have already opened an inquiry with Comnety bank about fraudulent hard inquiries, however now there is a {$450.00} limit express credit card on my account that I do not have any knowledge of. I need that account closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I mailed to have this fraud alert removed off of my credit report and it is still not removed Remove the fraud alert on my credit report. I have attached my license for identity Remove this statement asap " XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT XXXX XXXX XXXX XXXX  XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27 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: CA

Complaint narrative:
Experian has many open complaints XXXX XXXX and more PLEASE NOTE FINAL LETTER WITH SUPPORTING DOCUMENT " LEGAL DOCUMENTS '' sent regestered letter on the XXXX this month THE DOCUMENTS ATTACHED QUALIFIED FOR IMMEDIATE REMOVAL in my request I asked for XXXX XXXX XXXX to XXXX removed from all and re assign to another legal advisor also in my complaint/dispute I asked for personal statement PLURAL to be removed as well SHOWING NONE also I asked all creditors showing included in XXXX XXXX record to be suppressed and not showing debtor information this is a tactic Experian uses to the advantage of THERE CLIENTS as far as my dispute Public Record I supplied XXXX with XXXX XXXX Letter with XXXX direct contact to correct the filing date but all good I have my court discharge letter also in my disputes with Experian I will admit I got confused with a XXXX report I am XXXX XXXX  and denied mortgage loan lease establishments for the errors on my reports as far as XXXX he took my errors and XXXX it to a advantage to make me look stupid I suffer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or comprehend his replys I best XXXX  him to be removed

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 2023-01-27 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: FL

Complaint narrative:
Experian please remove off credit report this account does not belong to me XXXX XXXX XXXX XXXX This Collection company is reporting fraud/identity theft to my Credit Reports : Name XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX Phone number ( XXXX ) XXXX Please Close and Remove Account Off Credit Reports

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 2023-01-27 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: PA

Complaint narrative:
XXXX is the card company XXXX uses to offer financing for their services. XXXX is out of compliance with their card postings. As you can see, my payment was made on XXXX XXXX at XXXX, but the submission to the credit bureau was made on XX/XX/XXXX. According to the CARD Act of XXXX, which is a federal regulation/law, card payments made by XXXX must be posted on the same day. XXXX is breaking a federal law with how their payments are being posted to accounts. 

I am submitting XXXX documentation of my payment history, along with my time stamped payment, which should have been applied on XX/XX/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 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased XXXX acrylic prints for my wife for our anniversary. I paid through XXXX using my credit card. When I received the prints they were damaged and I requested a refund through XXXX. This went nowhere, so I contacted Citi to step in and resolve the matter. I submitted images to Citi showing the damage and their 'investigator ' resolved the dispute and is holding me accountable. How is this possible? I paid good hard earned money for an item, and I received something not as advertised. They had damage, so much so that you can not hang them on a wall or look at them. I am requesting that Citi do the ethical thing here and resolve this dispute in my favor for paying for and receiving damaged items. If the merchant wants the damaged items back, they can send me a prepaid shipping label and I will gladly send them back, but I refuse to come out of pocket to mail these things back to XXXX. Thank you

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 2023-01-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Did a Modification loan in XXXX with XXXX. The first one they did in XX/XX/XXXX they raised the payments about a XXXX more than the the original XXXX. I made that payment in good faith. They had to go back and redo the loan. At the time the balance was XXXX..0n XX/XX/XXXX XXXX was wavied.. the share wavied XXXX on XX/XX/XXXX of shared wavied XXXX. XXXX XXXX took over the loan servicing in XXXX XXXX XXXX bought it in XXXX at XXXX. With XXXX Waived XXXX They took the Wavied and turn into Defferred ... because they say payments was late in XXXX the modification was 2 years not XXXX and have been charged so many fees it's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: DE

Complaint narrative:
TRANSUNION IS REPORTING 2 LATE PAYMENT ON MY LOAN WITH ROADRUNNER FOR XX/XX/XXXX AND XX/XX/XXXX. I HAVE NOT MISSED MY XXXX PAYMENT AS I HAVE PROOF THE PAYMENT WAS MADE EARLY ON XX/XX/XXXX. LASTLY I CONTACTED XXXX IN REGARDS TO XX/XX/XXXX PAYMENT BEING REPORT LATE AND THIS ALSO CORRECT DUE TO A BILLING ERROR. MY PAYMENTS ARE DUE ON THE XXXX OF EACH MONTH. A PAYMENT IS NOT REPORTED LATE TO CREDIT BUREAUS UNTIL IT IS 30 DAYS LATE. I MADE MY XXXX PAYMENT AND XXXX PAYMENT BOTH ON XX/XX/XXXX IN THE AMOUNT OF {$500.00}. I AM AWARE THAT THESE LATE PAYMENTS ARE 100 % INACCURATE AND I WANT THEM REMOVED IMMEDIATELY AS THEY DONT REFLECT A HONEST REFLECTION OF MY PAYMENT ABILITY. ACCORDING TO 15 USC 1666 CORRECTION OF BILLING ERRORS I AM AWARE THAT BOTH LATE PAYMENTS MUST BE REMOVED AND PROPERLY INVESTIGATED.

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