vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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:
When I review my credit report, I see that the same accounts were erroneous. XXXX and Equifax are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below : XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: AL

Complaint narrative:
Due to my to being deemed 100 % permanent and total XXXX by the XXXX, I received a XXXX XXXX  for my federal student loans administered by Mohela more than 3 months ago. I am currently homeless and attempting to raise my credit score enough to qualify for a VA home loan. My credit report still shows that I owe more than {$110000.00} for my student loans, so I filed a dispute with all three credit reporting agencies, only to have the debts confirmed. Please assist me in ending my homelessness by admonishing Mohela for this egregious, negligent, willful misconduct. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: CA

Complaint narrative:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$3100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$5300.00} XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$910.00} 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX I am writing to dispute several delinquencies that are currently reflected on my consumer credit report. According to my records, these delinquencies are inaccurate and should be removed from my credit report. 
The delinquencies in question are as follows : XX/XX/2022, Confirmation Number XXXX, {$250.00} XX/XX/2022, Confirmation Number XXXX, {$250.00} XX/XX/2022, Confirmation Number XXXX, {$220.00} These delinquencies are inaccurate, and XXXX XXXX XXXX has claimed responsibility for the mistake verbally. 
I am requesting that these delinquencies be removed from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires that credit reporting agencies investigate any disputes within 30 days, and I request that you complete your investigation within this timeframe. 
I have provided supporting documentation such as confirmation for payments to support my dispute. Please let me know if there is any additional information that you need from me to complete your investigation. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: TX

Complaint narrative:
I have been trying to dispute incorrect invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureau Equifax regarding this matter. I been trying to purchase a Home and it seems like i am not getting no where with Issues on my Credit report, 15 USC1681 section 604 A section 2 : It also states that consumer reporting agency can not furnish a account without my written instructions. Please correct these accounts XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I appreciate you making the effort to delete and repair some of the data on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXXXXXX XXXX account 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 2023-03-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
didnt provide completeness, accuracy, statements, or contract of debt ... The debt collector also Has Fake address and phone number... i sent a letter to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX sent my letter back as undeliverable and the number ( XXXX ) XXXX they have for contact is not theirs!!! 
Furthermore the address po box XXXX XXXX  XXXX, XXXX XXXX is also a false address for mailing and they didnt provide a phone number for that address ... this debt collector company has false information to contact them to resolve my issues!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I, the consumer and natural person, was denied credit by Bank Of America when I applied for a auto loan in the amount of {$30000.00} on XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Bank Of America is in violation of 15 U.S. Code 1642, U.S. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.

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 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have disputed this debt three times and this company has not presented any proof or signed contract that this debt is mines. I have not seen any documents stated I signed up for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2023-03-21 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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 XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 XXXX  Account accounts listed bellow have violated my rights ; XXXX XXXX XXXXXXXX Account ID : XXXX Account Number XXXX XXXXXXXX XXXX XXXXXXXX Account ID : XXXXXXXX XXXX Account ID : XXXX Account Number XXXX Collection agency XXXX XXXXXXXX Account ID : XXXX XXXX 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 explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account 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 2023-03-21 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. I'm looking forward that the following items will be repaired or removed ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2023-03-21 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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$130.00} XXXX XXXX  XXXX Balance : {$320.00} XXXX  XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 i wrote complaints to the 3 credit bureaus with no success of them correcting their fraudulent practices. They have put out {$60000.00} of fraudulent information on my credit. They violated 15 U.S Code & 1681b.

I am writing to you about my rights that have been violated by the credit bureaus. In closed are the codes that have been violated, and included in this package are the letters that I sent to each bureau. I deserve my protection by law. They have caused me many problems with the misinformation and fraud that they reported. I was waiting on a responds from them 60 days ago and I got nothing. I am seeking help with these issues. I await your response 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 non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 i wrote complaints to the 3 credit bureaus with no success of them correcting their fraudulent practices. They have put out {$60000.00} of fraudulent information on my credit. They violated 15 U.S Code & 1681b.

I am writing to you about my rights that have been violated by the credit bureaus. In closed are the codes that have been violated, and included in this package are the letters that I sent to each bureau. I deserve my protection by law. They have caused me many problems with the misinformation and fraud that they reported. I was waiting on a responds from them 60 days ago and I got nothing. I am seeking help with these issues. I await your response thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
I took out a loan for my new car through Toyota Financial Services. I registered for auto payments but they never deducted the payments. My car was repossessed and I had to pay through the nose to get the car back and bring the account current but it is now virtually impossible to get information about my local from XXXX. Its difficult to get anyone on the phone and when you do, they cant provide accurate information about the account. Its also impossible to set up payments on the web. Please help me. All I want to do is pay my bill on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I recently filed a complaint against synchrony with you. The letter I received back stated the payment for XXXX will be back to XXXX and it was not. I was charged XXXX again. Im so frustrated. Please help get this corrected 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 2023-03-21 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: MD

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX XXXX, XXXX  XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022.

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 2023-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have been asking phh mortgage to reinstate my mortgage payments 6 times. Have applied for modification for 5 or may be 6 times. No help. Even as they say in they LOGO. We are here to help. They never help. I call and I talk to XXXX he is a special agent in the company the phone call fell. I left him 2 phone numbers. Left many messages. Never call back. Im behind on my mortgage. Went through hell during Covid. Trying to get back on my feet. There is a modification for a mortgage extension to 40 years. Why havent they offered me that extension. Why are they telling me to file bankruptcy. Is that help. What are they getting by doing that. Whats going on with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Amount payed off. I request this account removed from my credit

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