vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 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: MO

Complaint narrative:
The XXXX, XXXX and Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be CORRECTED. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or FIX this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: MO

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and also the inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX ; XXXX CT XXXX, MO XXXX ; showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2022-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
my father processed a transfer of his home loan back in 2020 from the company mr. cooper to his current bank ( XXXX ). his bank processed the payment to mr cooper correctly and sent them the check to pay off his balance with mr cooper. the company mr cooper then cashed the check and mis applied the funds to the wrong account. from that point my father has been paying XXXX for his loan and mr cooper sold the loan to another company ( XXXX  ) because they did not catch the mistake they made. now my fathers house is being foreclosed on by XXXX  he has receipts for the last 2 years of paying his loan to XXXX. we have written documentation from mr cooper that these funds have been mishandled and have attached the relevant email to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: CA

Complaint narrative:
Im victim of identity theft, and somebody opened multiple credit cards accounts and used under my name, after finding out problem, I got police report and FTC report, and notify to all credit bureau, they removed all negative items, buy only Experian didnt remove XXXX XXXX account starts with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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: AL

Complaint narrative:
So I sent a letter on XX/XX/2021. To remove personal information that i don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No Financial institution is not suppose to share my informant ion to third party people,

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 2022-06-10 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: AL

Complaint narrative:
So I sent a letter on XX/XX/2021. To remove personal information that i don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No Financial institution is not suppose to share my informant ion to third party people,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I'd like to remove my credit card which is no longer valid ending in XXXX XXXX off Google pay and it will not allow me to remove the card I need to have the card removed as soon as possible thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i got it you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I made an overpayment in the amount of XXXX through my XXXX XXXX XXXXXXXX bill pay on XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX. and informed them of my mistake along with a request for a refund. I was told to send them a fax with my bank statement and once it cleared they would send me a refund, which I did everything requested on XX/XX/XXXX. 
I have called each week since that time and they will lie and tell me its on the way. It will be deposited tomorrow. We don't do ACH deposits, we can only cut you a check. Well we'll deposit it the next day. I was disheartened with the lack of honesty and the fact they will tell a customer anything.

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 2022-06-10 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: FL

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts

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 2022-06-10 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts

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 2022-06-10 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: NV

Complaint narrative:
In accordance with the fair credit reporting act the account below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681. XXXX XXXX XXXX account # 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 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 then records of convictions of crimes which antedates the report by more then 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer 15 USC 1692 section 805 A section 3 states at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TX

Complaint narrative:
On XX/XX/2022 I sent a letter to credit reporting agencies Experian and XXXX. Explaining that information reporting on the credit report is inaccurate. 

XXXX XXXX XXXX Amount {$8900.00} because reporting compliance of consumer credit claims of deficiency and or derogatoriness mandates that any item removed and or modified from one repository shall also have " CARBON COPIES '' of that action forwarded to any and all other repositories from which the reporting data furnisher reports. 


1 ). e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DF 's ) and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes.

2 ). CRAs include XXXX, Experian, XXXX, and XXXX their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies e-OSCAR also provides for DFs to send " out-of-cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated University Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management, and reporting. 
3 ). ACDVs Initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF 4 ). The ACDV is returned e-OSCAR web-based, Metro 2 compliant, automated system ..... 
CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or Independent Credit Mortgage Reporting Companies.

ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Date Furnisher The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history.

5 ). If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship

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 2022-06-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2022, the company received a dispute from me telling them to remove information that I did not explicitly consent to be furnished to my consumer report. my information was obtained without my written consent, which constitutes fraud. the credit reporting agency has no proof, and can not and did not verify any of the information. The company did not respond, it has been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have called and emailed repeatedly asking Chase to honor the terms of the balance liquidation agreement. Each time I speak to them I receive a different answer. They are reporting my account as 30 and 60 days late even tho payments are not over 30 days late. I have repeatedly requested to be sent the terms of this agreement which they have refused to mail and when then attempt to send it in the message center they send a corrupt link that can not be opened. I have been attempting to clarify this for over 90 days with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Upon calling Procollect XXXX XXXX used offensive language and rude tactics, refused to provide payoff options, and attempted to force me to pay the debt100 % in full refusing to provide and information about the debt owed. He stated that he didn't give a XXXX about my circumstances or divorce and hung up on me. Upon calling back and for 2nd time asking to speak with some one in management, XXXX then told me I was asking to many questions. Stated he's not hear to answer my questions and to pay the XXXX debt. He then hung up on me a 2nd time. Ultimately. XXXX blocked my ability to pay the debt. Upon calling back the receptionist stated she could no longer see the file and insisted that the only I could talk to someone about the debt would be to email 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 2022-06-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US BUS ADMIN ODA , 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

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 2022-06-10 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: CA

Complaint narrative:
On XX/XX/XXXX and again XX/XX/XXXX, The Credit Bureaus stated that a Public record of a Bankruptcy on my XXXX  account number XXXX and reporting 2 Bankruptcies on my Transunion report account numbers XXXX and XXXX these public records are not be shown on my XXXX report. I have contacted of theses public record and the courts have provided me proof of not having any record in there system. Also they stated in letter that they don't provide information to the credit bureaus. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well. I have sent them certified letters on the dates listed above.

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 2022-06-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2022, I sent a letter to Experian via certified mail with tracking number : XXXX in regards the inaccurate information on my report. I have not yet received any updated information regarding the investigation into the account. 

Experian is the only credit reporting agency with inaccurate information about the account in question. If each credit reporting agency is getting their information from the original creditor the account should be in good standing across the board. 

So why has Experian reported inaccurate late payments to the account. I have never been late, as the loan was and still is in forbearance. Please delete the late payments and update the account and credit report. This tells me that Experian obtain it's information elsewhere, not from the original creditor. 

This is a clear violation of my right to have all information on my consumer report be % 100 accurate according to the FCRA, or the inaccurate information must be deleted. I only want the late payments deleted not the 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 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent EQUIFAX via certified mail on XXXX, XXXX XXXX  a request to investigate the inaccuracy of these accounts that show up on my consumer report. I pointed out that their also several violations of Fair Credit Reporting Act ( F.C.R.A ) and Non compliant with The Gramm- Leach-Bliley-Act ( GLBA ) to this date i have not heard back from Equifax of any updates. 

15 U.S.C. Sec. 1681i ( a ) 15 U.S.C. sec. 6802 ( b ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Account # XXXX XXXX XXXX XXXX  ), Account # XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXXXXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

THERE HAS NOT BEEN ANY PROOF FROM THE FURNISHER THAT THESE COLLECTIONS BELONG ME TO. IF THERE IS, I NEED TO SEE THE PROOF IN WRITING.

Dept of Education XXXX does not have anything in writing with MY PERMISSION to anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BUS ADMIN ODA , 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

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 2022-06-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BUS ADMIN ODA , 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

Company response to consumer: Closed with explanation