vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 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: NC

Complaint narrative:
According to North Carolina Law ; General Statute, Section 1-52.1 of the North Carolina Rules of Civil Procedure, The Statute of Limitations that governs the debts that are being reported to my credit file by XXXX XXXX XXXX validate the fact that these debts being reported have expired and fallen outside of the statutes of limitations. You can reference XXXX XXXX with the link below, but at this time I demand that all entries on my credit file be removed from all credit bureaus under the guidelines set forth by the State of North Carolina Law. 

Please remove all entries by XXXX XXXX XXXX from my credit files immediately as the expirations of these collections expired a considerable amount of time ago. 

XXXX XXXX XXXXXXXX

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 2022-10-17 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: MS

Complaint narrative:
Your company, XXXX XXXXXXXX XXXX is reporting inaccurate and incorrect information to my consumer reports TransUnion, XXXX, and XXXX. Your company reporting past due amounts for an account you labeled as charged-off. Your company did not have written permission from me to report any of the negative information to my consumer reports. 

Please see attached letter to understand the specifics and violations from your company. My mode of living has been affected and my ability to obtain credit to be able to take care of my family along with my children 's ability to pay for college.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Your company, XXXX XXXX Bank, is reporting inaccurate and incorrect information to my consumer reports XXXX, Equifax, and XXXX. Your company reporting past due amounts for an account you labeled as charged-off. Your company did not have written permission from me to report any of the negative information to my consumer reports. 

Please see attached letter to understand the specifics and violations from your company. My mode of living has been affected and my ability to obtain credit to be able to take care of my family along with my children 's ability to pay for college.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: MS

Complaint narrative:
Your company, XXXX XXXXXXXX XXXX, is reporting inaccurate and incorrect information to my consumer reports XXXX, XXXX, and Experian. Your company reporting past due amounts for an account you labeled as charged-off. Your company did not have written permission from me to report any of the negative information to my consumer reports. 

Please see attached letter to understand the specifics and violations from your company. My mode of living has been affected and my ability to obtain credit to be able to take care of my family along with my children 's ability to pay for college.

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 2022-10-16 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: NC

Complaint narrative:
According to North Carolina Law ; General Statute, Section 1-52.1 of the North Carolina Rules of Civil Procedure, The Statute of Limitations that governs the debts that are being reported to my credit file by XXXX validate the fact that these debts being reported have expired and fallen outside of the statutes of limitations. You can reference XXXX XXXX with the link below, but at this time I demand that all entries on my credit file be removed from all credit bureaus under the guidelines set forth by the State of North Carolina Law. 

Please remove all entries by XXXX from my credit files immediately as the expirations of these collections expired a considerable amount of time ago. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: NC

Complaint narrative:
According to North Carolina Law ; General Statute, Section 1-52.1 of the North Carolina Rules of Civil Procedure, The Statute of Limitations that governs the debts that are being reported to my credit file by XXXX validate the fact that these debts being reported have expired and fallen outside of the statutes of limitations. You can reference XXXX XXXX with the link below, but at this time I demand that all entries on my credit file be removed from all credit bureaus under the guidelines set forth by the State of North Carolina Law. 

Please remove all entries by XXXX from my credit files immediately as the expirations of these collections expired a considerable amount of time ago. 

XXXX XXXX XXXXXXXX

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 2022-10-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: KEYCORP
State: NY

Complaint narrative:
this corporation bank is mad e up of the most supreme huxters i have ever dealt with in my entire life! ( and im an ex paypal victim- and yes, they even have managed to exceed XXXX  in their levels of deceit and banking corruption! 

i have spent the last 4 or 6 months trying to get into my account online. 

and they refuse ... .. tp send me a copy of my statements from inception [ appros XX/XX/2020 up antil now ]. i have requested repeatedly they make me go thru all these fake hoops to order " all statements since account inception,. and they still... refuse to produce them! and lie that theyve been sent.

its impossible to access the online dash board they keep changing their url designation point/name they keep you on the fone for XXXXhours to reset your account to get back in. 

they lie about where the url site name is. 

and they refuse to take complaints what so ever to process them expeditiously or process them at all! 

i have called several times about that my card needs to be closed because all of the money is missing. 

and had they granted any of their clients on this mass account normal access i would have caught this LONG .... ago. but they purposely make sure that no one can access the accounts, so no one can move their money out. 

and furthermore related to the above issue they do not allow any one to add an external account. to also not let one be able to move their money easily out. the only bank on earth that bars their clients from adding and merging their other bank accounts. 

they dont even let you change your address when you move unless you contact a state dept. yet it says on the dashboard that XXXX clients can do this themselves according to their banking public displayed banking bi laws. 

on my last call to customer service i asked them to close my card and reverse all charges as the card was charged out of all of its funds but they said i needed to call a series of fone numbers. all of the fone numbers are bogus and fake. 

one of them is their alleged insurance company. 

when you reach this company number they say yes they are key banks insurance company but for their real estae division! 

and .... they told me this insurance hasnt been paid/ ofr 5 years now. 

and that they are deceptively sending all the nys dol claims calls to them, such that they get such an excess of intentionally misdirected fone calls funneled into them that they had to hire extra staff to man their real fone calls. i will furnish a copy of these bogus fone numbers in my next transmission to you. or ammend this later to add them. 

the name of this bank is key bank aka XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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:
I have sent letter to the credit bureaus and company and have yet to get any response. I would like the accounts attached in letter deleted asap 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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I value CREDIT BUREAU 's help to remove a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT BUREAU is expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX 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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I value your help to remove a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act DEPT OF ED/AIDVAnt 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 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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: AL

Complaint narrative:
I received a copy of my credit report recently as noticed a few things that was being reported might not be correct. I have asked both Credit bureaus and the creditor to start an investigation and send information on this account and they have failed to do so. I also read the FAIR CREDIT REPORTING ACT it stated that I have the right to challenge anything Im not sure is accurate on my report. They are reporting things on me that is not accurate and will not provide proof or accurate reports that match.

Im also familiar with 15 U.S.C. Sec. 1681i ( a ). It stats that you cant provide proof these account are 100 % accurate they must be deleted. I have disputed this account for almost a year and they only I get back is verified with no information changing. This is a clear violation of my consumer right and its defamation of character as well. The lawyer I spoke with said I should contact you guys before taking legal actions. I noticed one for the credit bureaus deleted the account because the information reported was not accurate. I know by law I have to give you 30 days to investigate so please investigate this issue and delete the accounts for false and inaccurate reporting. After this investigation report please send me an updated copy of all three reports Name of account : XXXX Account number : XXXX Issues : charged off open date closed date reported balance last payment Please provide proof that this account is being reported 100 % accurate or delete this account from my credit profile 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 explanation
Consumer complaint received 2022-10-17 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 Fair Credit Reporting act 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 has violated my right .

15 U.S.C 1681 section 602 A states I have the right to privacy..

15 U.S.C 1681 section 602 A Section2 : it also a Consumer reporting agency can not furnish a account without my written instructions..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: TX

Complaint narrative:
In accordance with Fair Credit Reporting act 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 XXXXXXXX has violated my right . 
15 U.S.C 1681 section 602 A states I have the right to privacy..

15 U.S.C 1681 section 602 A Section2 : it also a Consumer reporting agency can not furnish a account without my written instructions..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: AL

Complaint narrative:
pursuant to the FCRA and The FDCPA these inquiries constitute misrepresentation because i do not recognize them listing as : 15 USC 1692, 15 USC 1681O ( A ), 15 USC 1692K they as in XXXX XXXX, XXXX, XXXX, and TRANSUNION are all in default of these {$1000.00} violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
pursuant to the FCRA and The FDCPA these inquiries constitute misrepresentation because i do not recognize them listing as : 15 USC 1692, 15 USC 1681O ( A ), 15 USC 1692K they as in XXXX XXXX, EXPERIAN, XXXX, and XXXX are all in default of these {$1000.00} violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: OneMain Finance Corporation
State: MO

Complaint narrative:
I contacted One Main Financial in XX/XX/2022 to inform them that a statement they have on my credit report is causing me to be denied credit. They have the following comment on my credit report " Loan modified but not under a federal government plan ''. I called on two different occasions in an attempt to get them to either remove the comment or add dates to the comment so that it is clear that the loan is not currently being modified. 

This statement on my credit report is vague and misleading. One Main Financial has a duty to report factual information. The statement is misleading because it is causing other 'lenders to believe I am currently under a loan modification when I'm not. I requested that the supervisor contact me and no one ever did. I also requested that they send another copy of a letter that they sent saying the modification ended. They said that they would email it and never did. 

I spoke with their customer service department and their credit department. Everyone I spoke with kept referring me back to customer service. The customer service agent understood the issue I was having and the credit department refused to work with her to correct the issue. The credit department at One Main is the only one that is allowed to make changes. My loan was never modified. I only had a payment deferred. There were no changes made to my payment amount or to my interest rate. The statement on the account is misleading and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
In XX/XX/2022 I switched home insurance companies which I pay through an escrow account with my mortgage company Carrington Mortgage. The former insurance company sent a check to my address for a refund of canceling my home insurance. I needed to deposit that money back into my escrow account. On XX/XX/2022, I called Carrington and asked what is the best way to deposit that money back into my escrow. I did exactly what they said to do and that was to make a payment and include in the memo ' to be deposited into my escrow account ". It was never applied back into my escrow account by Carrington, it was applied to my monthly payments on XX/XX/XXXX, an error on Carrington mortgages part. On XX/XX/XXXX as soon as I was alerted to this I called Carrington mortgage to get this straighten out only to be told they would put a work order in for this and call back in two weeks. I have contacted Carrington Mortgage every two weeks from XX/XX/2022, until XX/XX/XXXX and it is still not corrected. On XX/XX/XXXX I talked to a supervisor who said it should be corrected, but I now have a letter from Carrington mortgage dated XX/XX/XXXX stating that my house has an " intent for foreclosure '. I have been making my monthly payments on time or before time, so I do not have any missed payments or late payments. On XX/XX/XXXX when I talked to the Supervisor, I told him I should not have any late payments or missed payments as everything on my end was done correctly. This should not have taken 3 months to be corrected. Also now my monthly mortgage payment went up, but this should not be because my property taxes and my home insurance payments did not go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: GA

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$1000.00} ; XXXXXXXX XXXX XXXX Balance : {$60.00} ; XXXX XXXX XXXX Balance : {$140.00} ; 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 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