vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: IL

Complaint narrative:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX : XXXX... 
U S DEPT OF EDXXXX : [ NO ACCOUNT NUMBER XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF ED/XXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF ED/XXXX : XXXX XXXX : XXXX... 
USDOE/XXXX XXXX XXXX... 
XXXX XXXX : XXXX... 
XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX... 



I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-02-10 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Deposits of checks and cash on several occasions inside the bank with the teller and I was not provided a receipt with the total deposit information. When I requested the slip with the total, I was told by the teller it would take a day for the money to be reflected in the account. I understand that the total should be on the statement and it also should show that estimate of the total even if I will not have the access to the money until checks have been cleared which usually takes a couple of days but the total should be on the receipt but the teller told me that was not the case. 

I have contacted the back because when I access the statements online it did not reflect the totals that I have deposited which I think was a mistake. I when directly to the back and talked to the teller and the bank manager and they stated that they could not access the account. I had my daughter come to the bank with me to help but they did not provide us with the statement right away. The back manager told us that he could not access the account and would call us back the next day because he would have to contact the main office. The system was not down but gave him the benefit of the doubt. The statement he provided 24 hrs later did not match what I deposit and the cash total was not recorded. I ask if he can provide us with the information on the cash deposit and what type of bills were deposited and he did know how to. I am asking to get a video or an investigation to find out what happened to the cash that was deposited as this happen several times both in my savings and checking accounts that are connected.

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 2023-02-10 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: NV

Complaint narrative:
Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages under the name of XXXX XXXX XXXX IN THE AMOUNT OF {$2800.00} and XXXX XXXX XXXX in the amount of {$390.00} on my credit report. According to the 15 USC 1681 law these damages are defamation to my character. I have attempted to reach out to this company 3 times starting from XXXX if 2022 prior to this complaint to resolve this error and have only received a system generated correspondence. No proper investigation or proof/method of validation was provided.

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 2023-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: OK

Complaint narrative:
Dovenmuehle and XXXX XXXX XXXX XXXX XXXX are engaging in fraud and a scam on me and the VA. I have been trying for close to one year to have them review my documentation for a loss mitigation option. The VA has options available, but every step of the way they obstruct, lie, misplace information and repeatedly request information that has already been sent. I have been submitting my paperwork via email so there is a digital trail to back up my claims ( attached ). I call in to see what documents are needed for review and they tell me and I send them. They gave me a list in mid XXXX, claiming they never received my signed tax returns ( i sent them in XXXX ) so I sent them again. They also wanted the 2023 VA award letter and a one year profit and loss and the XXXX bank statement. All were sent. I have called in three different times to check on the status of my file. Each time the agent has told me that they can see the documents in the system -- -but each time they tell me that the underwriter is still saying the file is incomplete and asking for the same paperwork again. I have sent the same paperwork multiple times to them in this situation, but nothing changes. When I ask to speak to a supervisor there is never one available. The agent verifies that the paperwork was received and they can see it, but nothing changes. I called in today to follow up on the paperwork that I sent late XXXX. I was told last week there were no notes when I called and that the file was dormant even though all documents were received. When I called today I was told there were notes from XX/XX/XXXX stating that I was still missing the documents that I sent on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. These same documents were again verified to be present by the agent I spoke with. 
I believe that Dovenmuehle and XXXX XXXX XXXX XXXX XXXX are intentionally putting up road blocks to obstruct veterans from access to programs they are required to provide. This is fraud and I am working with my Congressman and the VA to launch an investigation into this company. I have the resources to make my mortgage payment, I just need a path forward to deal with the missed payments during the pandemic. they are required to work with me and provide a path forward but this has gone on for close to a year. it is NOT a coincidence. Dovenmuehle is not qualified to service government loans and your office needs to investigate their business and servicing practices. I served my country proudly and when my career dried up due to Covid I started my own XXXX  and now am back on my feet. It is horrifying that this company would treat me like this and I am now suffering health complications as I fall further and further behind because of their lies, fraud and incompence. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My husband and I recently decided that we wanted to purchase a home and knew we needed to pull copies of our credit report before starting. We both noticed items on our reports that shouldnt be there. We did our due diligence and researched consumer laws and our rights under the Fair Credit Reporting before starting. We mailed our disputes to XXXX, Transunion and XXXX. Our dispute letters both included our Drivers License and an Identifying piece of mail with our current address. Weve both recently received letters from Transunion stating that they will stop ANY efforts in addressing our disputes because they didnt think the letters came from us. Im an educated, professional African American woman who works in the medical field. What was it about me or my letter that would make them think Im incapable of writing it? Especially after including 2 forms of identification with my letter. Its obvious that they are clearly trying to discourage us from moving forward. I have no choice but to believe that after seeing a photo of me this is racially motivated. I understand my rights under The Fair Credit Reporting Act and know its their job to ensure what they report about me is accurate and fair. Stalling and hindering me from disputing is a direct violation of my rights. Im filing this complaint to bring attention to others about what Transunion is doing. We are considering a lawsuit next.

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 2023-02-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I mailed out letters to all 3 credit bureaus that prompted them to respond within 30 days. Inside the letter was proof that there is incorrect information being reported on my profile and a request to have deleted if not validated within the legal time limit. 

On XX/XX/2022, I mailed out letters to all 3 bureaus stating that I did not receive a response and again to remove the error and incorrect information being reported. 

This is BEYOND the time frame allowed for them to respond, this is devastating to my credit profile and is preventing me from purchases.

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 2023-02-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I mailed out letters to all 3 credit bureaus that prompted them to respond within 30 days. Inside the letter was proof that there is incorrect information being reported on my profile and a request to have deleted if not validated within the legal time limit. 

On XX/XX/2022, I mailed out letters to all 3 bureaus stating that I did not receive a response and again to remove the error and incorrect information being reported. 

This is BEYOND the time frame allowed for them to respond, this is devastating to my credit profile and is preventing me from purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CJA Auto Sales, Inc.
State: AZ

Complaint narrative:
I was served a civil complaint for a debt for an auto loan by CJA Auto Sales, INC. around XX/XX/XXXX. 
I had cosigned an auto loan with my now ex-wife. We were divorced in XXXX. 
The court documents states that the loan was breeched/default on XX/XX/XXXX. 
( Ex-wife told me she paid it off, thats null ) In Arizona, that statue of auto collections in 4 years. I should never have received this. 
I contacted CJA Auto Sales, INC. and they explained that they did not know where my ex-wife was, so they are going to get the amount from myself. 

In good faith and not knowing any better, I verbally agreed to pay {$250.00} on the XXXX  per month. 
CJA, Auto Sales, INC does not allow online payment. You must call in to make a payment. Only one person can take the payment, somedays they aren't there etc. So it forces you to be late making the payment.

Each month, I have called, I have asked for a receipt. I have been told the receipt is the payment on my bank account. They do not issue receipts.

Each month, I have requested a statement. I have been told no, or its in the mail.

It now has been one year, and I still have not received a statement. I do not know how much is owed? I do not know what has been paid, or what " fees '' I have accrued.

I have requested the paperwork and documentation of what the car was sold for, the original loan and the documents I signed. I was told they do not give that out. 

I just requested an End of Year Statement in XX/XX/XXXX, still has not come. 

I have now made a total of 12 payments at {$250.00}. Based on the court documents I owe {$5500.00} I have not been told my account number or loan number. 

I understand my responsibility as a cosigner, I also have the right to the documents I am requesting. I am requesting receipts, original loan documents, current the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
On XX/XX/2023 at XXXX, XXXX XXXX XXXX XXXX XXXX ) filed a notice of limited appearance for court case number XXXX in the Seventeenth Judicial Circuit in and for XXXX XXXX XXXX FL. A Notice of Service Court Document was delivered to myself ( XXXX XXXX ) and to representatives of XXXX XXXX Modlin and associates at XXXX, XXXX, and XXXX. 

On XX/XX/2023 at XXXX, I received a phone call from Modlin and Associates at phone number XXXX at my cell phone number XXXX. 

Persuant to the Fair Debt Collect Practices Act 15 USC 1692d, " if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: ID Analytics, Inc.
State: KY

Complaint narrative:
When I checked my credit report I found out XXXX XXXX XXXX is incorrect and unverifiable. The balance, the dates tagged as late and other information are all incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX # XXXX # XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : 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 2023-02-10 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: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX # XXXX # XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : 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 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 2023-02-10 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: PA

Complaint narrative:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM TRANSUNION AND XXXX. XXXX HAS BEEN REMOVED AS FRAUD. SENT THE COMPANY IDENTITY THEFT REPORT, POLICE REPORT, AND PROOF OF RESIDENCY, AND STILL WILL NOT REMOVE IT. PLEASE ASSIST.

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 2023-02-10 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: TX

Complaint narrative:
I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 

Sincerely, 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