vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-06-01 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. 

The letters are stated with items and issues.

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 2023-06-01 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: NJ

Complaint narrative:
I reached out to the department of Education back in XX/XX/XXXX I was told if I submit documentation that I was having extreme financial difficulties to send in my paperwork and they would remove the late payment from XX/XX/XXXX. I sent all the necessary paper work and a letter to explain I was having a XXXX XXXX XXXX  during XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was back and forth in the emergency room because they had no idea what was wrong with me. In XX/XX/XXXX my XXXX XXXX  were in a terrible car accident my youngest XXXX  almost lost her XXXX  and needed XXXX  XXXX. I explained this to them I sent in my XXXX XXXX XXXX and a copy of the accident with my XXXX  names listed and copies of their birth certificate as proof I was their XXXX. The department of education still refused to remove the late payment from XX/XX/XXXX. 
I also sent a dispute letter to Transunion, XXXX and XXXX for the following violations : CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
MY RIGHTS HAVE BEEN VIOLATED! FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT to be included on my CONSUMER 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 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
On XX/XX/2023 XXXX notified me that Convergent Outsourcing flagged my report. This company is a debt collector who stole my identity and have be reporting false and inaccurate information on my consumer report. I have never done any business with this company nor do they have any contract that I have sign with them. I have never given Convergent nor XXXX permission to furnish any false and inaccurate information on my 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 2023-06-01 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: WA

Complaint narrative:
XXXX XXXX XXXX This account is NOT MINE. I am a victim of Identity Theft. I have disputed this account with the credit bureaus and XXXX and the account has not been 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 non-monetary relief
Consumer complaint received 2023-06-01 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: WA

Complaint narrative:
XXXX XXXX XXXX This account is NOT MINE. I am a victim of Identity Theft. I have disputed this account with the credit bureaus and XXXX and the account has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: WA

Complaint narrative:
XXXX XXXX XXXX This account is NOT MINE. I am a victim of Identity Theft. I have disputed this account with the credit bureaus and XXXX and the account has not been 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 2023-06-01 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: FL

Complaint narrative:
I filed a dispute with Equifax XX/XX/2023 for a debt listed on my credit from XXXX XXXX XXXX. I asked the company to verify this debt and they failed to do so. Equifax closed my dispute as verified. How could this debt have been verified when it was deleted from both my XXXX and XXXX credit reports as unverified? Both credit reports are attached to this complaint. Also no documents of proof showing verification from Equifax or the company. Equifax is failing to do a fair investigation according to the 15 USC ******* *** **** section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.They also violated my rights numerous times.The credit bureaus violated my given rights under 15 USC ****.According to : 15 U.S.C **** section 602 A. States I have the right to privacy. According to : 15 U.S.C **** Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. ****s-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. Delete this account immediately before further action is taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this action constitutes a direct violation of the FDCPA and FCRA. I urgently demand that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to rectify this matter.

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 2023-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Caribou Financial, Inc.
State: GA

Complaint narrative:
I applied for my auto loan refinance. However, I was rejected because of my status in the United States. I provided them with my latest XXXX which is my status to study in the United States which states I am studying and my graduation is XXXX, 2024. They rejected me for the fact that I don't have the status after XXXX, 2024. 

I can provide you my XXXX. 

I contacted the lender and this is what he said back in an email. 
" lending partners underwriting criteria requires that a student visa be valid for the length of the loan ; unfortunately, your student visa expires in XX/XX/ 2024 before the term of the loan would end. The lending partner will be sending you an Adverse Action Notice within 30 days detailing the specific reasons your application was declined. The notice will also include specific instructions on how you can obtain a copy of your credit report. '' I feel this is discrimination based on race and status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: LEXISNEXIS
State: PA

Complaint narrative:
Please see the attached documents as it contains my complaint and my identification. No need to send out letter stating you can not identify me, as My identification and proof of address is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Portfolio Recovery has been calling me from several different phone numbers almost daily. On XX/XX/XXXX they were asked to stop contacting me. I told them I would refer them to CFPB and the FTC if they did not stop using robocallers to dial me from unblocked numbers. They threatened me with legal action and continued calling. Additionally, they refused to provide a name when asked and failed to substantiate a debt listed as " XXXX Bank ''. I have never held any account with XXXX Bank XXXX. I have attempted blocking their phone numbers and they call me from new ones. 

XX/XX/XXXX - Called from XXXX. Asked them to stop calling me. 
XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: FL

Complaint narrative:
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX In accordance with the fair credit reporting act 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 that a consumer reporting agency can not furmish 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 2023-06-01 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numbe # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: IN

Complaint narrative:
I SUBMITTED SEVERAL DISPUTES WITH ALL THREE CREDIT REPORTING AGENCIES IN XX/XX/2023 AND XX/XX/2023, I NEVER RECEIVED A REPONSE BACK FROM THE CREDITORS.

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 2023-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Hello. I called Global Lending Services to make an arrangement to pay my car note. My XXXX  had lost his job and weve been struggling. However, I said I can pay one payment of XXXX on the last day of the month. That would be XX/XX/XXXX. I wake up, pay the note at XXXXXXXX XXXX pst. This company comes and repoed my vehicle at XXXX XXXX. Now they are giving me the run around telling me it was rightful and justified and theyre quoting me the east coast time. I am on the west coast. Please help! This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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 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. 

The letters are stated with items and issues. 

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 non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My XXXX  sister and I noticed that our identities are mixed up in all three credit bureaus ( XXXX, XXXX and Equifax ). We've been Trying to clarify this mix up for past Two years now and have gotten no where. I am hoping the CFPB can help us resolve this issue. I am in the process to purchase a home but because of this identity mix it seem impossible! Thank in advance! 

My Identity is : Name : XXXX XXXX DOB : XX/XX/1995 SSN : XXXX My Twin 's Identity is : Name : XXXX XXXX DOB XXXX XX/XX/1995 SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My Twin sister and I noticed that our identities are mixed up in all three credit bureaus ( XXXX, Experian and XXXX ). We've been Trying to clarify this mix up for past Two years now and have gotten no where. I am hoping the CFPB can help us resolve this issue. I am in the process to purchase a home but because of this identity mix it seem impossible! Thank in advance! 

My Identity is : Name : XXXX XXXX DOB : XX/XX/1995 SSN : XXXX My Twin 's Identity is : Name : XXXX XXXX DOB XXXX XX/XX/1995 SSN : 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 2023-06-01 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:
I'M SUBMITTING ANOTHER COMPLIANT REGARDING ISSUES I HAVE WITH THESE ACCOUNTS REPORTING ON 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 non-monetary relief
Consumer complaint received 2023-06-01 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: CA

Complaint narrative:
I'M SUBMITTING ANOTHER COMPLIANT REGARDING ISSUES I HAVE WITH THESE ACCOUNTS REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
My mortgage payments have sky rocketed in the last 5 years. my homeowners insurance was increase to $ XXXX in the last many years i had two claims in XXXX for roof damage due to storm and water damage to my basement. i have just received notice that my new mortgage will be {$5600.00} starting XXXX XXXX my mortgage company is SELECT PORTFOLIO SERVICING AC XXXX XXXX My home owners insurance is by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a feeling they are robbing me blind. i am XXXX yrs old and i am worried i will loose my home. i been living in my home i purchased in XXXX and i still owe {$350000.00} despite paying mortgage since XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: MS

Complaint narrative:
i got account an inquiries that are inaccurate and need to be removed from my report asap!

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 2023-06-01 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: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
ACH transactions, mortgage & bills, were duplicated causing an overdraft and subsequent lock-out of access to funds. Unable to get through to bank for assistance or explanation as recordings and postings simply state " working on the problem ''. I am concerned that this issue will be swept away. Wanted to make sure regulatory agencies were aware. 

I realized this may be an error, but I would expect an expedient resolution and or measures that would prevent this from ever happening in the first place. A similar occurrence happened to me in the past with another back. 

Given the current financial climate, one would expect a high level of concern for depositors. I will investigate alternative banking solutions as BOK has severely downgraded my opinion of their competence. 

XXXX

Company response to consumer: Closed with explanation