vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-12 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: QUALITY ACCEPTANCE LLC
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 USC1681 Section 602 i have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: Essential Lending Inc
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 USC1681 Section 602 i have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: OR

Complaint narrative:
XXXX XXXX sent an email stating that my " TransUnion credit score went down. '' See attached. I logged in to my XXXX XXXX account and noted that my score had dropped approx XXXX points and XXXX XXXX wanted me to " make a payment before XX/XX/XXXX. '' See attached. I immediately contacted the retailer from which I made an online purchase on XX/XX/XXXX. The retailer, XXXX, authorized the purchase on my XXXX account that date. The retailer notified me the items were available for pickup at the local XXXX store in XXXX, Oregon, on XX/XX/XXXX. I picked up the purchase. The closing date of my XXXX account billing is the second day of the month. Previously had a XXXX balance. The current purchase of {$150.00} was billed this cycle. The payment IS NOT DUE UNTIL XX/XX/XXXX. That's right. XX/XX/XXXX. TODAY is only XX/XX/XXXX. That's right. XX/XX/XXXX. I pointed this out to the XXXX XXXX Department supervisor " XXXX '' ( ID XXXX. XXXX ) who agreed the account was completely current and he agreed to look into how any negative information from XXXX XXXX have been given to TransUnion or XXXX 's " usual '' reporting agency, XXXX, to lower my score, as XXXX has NO adverse credit information on me including no late payments EVER - had this account since XXXX -- XXXX  years. Could not contact XXXX XXXX, no phone or email given for contacting XXXX XXXX on its website. TransUnion and XXXX XXXX are apparently is trying to fraudulently lure people into making credit card payments via the XXXX XXXX website with scaring people via a false claim that their " credit score has gone down '' WHEN THERE IS NO ADVERSE CREDIT INFORMATION WHATSOEVER. XXXX agreed to contact TransUnion and XXXX and send me a letter confirming my credit is PERFECT and lowering my score ( from previous checking, it was lowered by approximately 40 points ) without any reason to do so.

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 2022-05-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX De, 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 account with 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 2022-05-12 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:
In accordance with the Fair Credit Reporting act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX De, 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 account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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:
Hi I would like to report identity theft on the accounts below and I would like them to be remove asap. ( Identity theft police report number XXXX ) according with the fair credit reporting act XXXX  Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX  Account number 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 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 2022-05-12 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:
Hi I would like to report identity theft on the accounts below and I would like them to be remove asap. ( Identity theft police report number XXXX ) according with the fair credit reporting act convergent Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX  Account number 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2022 a charge was made on my Chase XXXX card for {$1300.00} to XXXX XXXX XXXX XXXXXXXX. On XX/XX/2022 an identical charge was made for the exact same amount to XXXX XXXX XXXX XXXXXXXX. I looked through my credit card statements when I received a notification from XXXX that a shipment was on its way to my home address that I did not recognize purchasing. The XXXX tracking showed the same company name, XXXX XXXX XXXX  XXXX, as my credit card account. I immediately called Chase to close out my credit card, and report the charges as fraud. I then also called XXXX XXXX XXXX Photo to make them aware that there were two unauthorized packages heading my way. The customer service rep was able to look up the orders by the credit card number used, and flagged both orders as fraud. I also requested the company have XXXX intercept the delivery, which also required signature. I also told the employees in the leasing office of my building, who are responsible for signing for packages, to deny signing for any packages coming to my address. On XX/XX/2022 I received a notice from Chase bank that only one of the purchases was deemed fraud, because one of the packages was signed for and " delivered '' to my address. Upon looking at the signature, it was signed for by a XXXX XXXX. There is not an employee in my building by the name of XXXX XXXX, nor are there any tenants of the building with the last name XXXX. I do not know anyone by the name of XXXX XXXX. It seems the purchaser intercepted XXXX 's delivery of the product by signing for it at my address. I do not have knowledge or possession of this product that was fraudulently charged to my account. Chase will be adding the balance of {$1300.00} back onto my credit card within 1-2 billing cycles, and I will be responsible for full payment of this fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-12 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 notified Experian credit bureau of an account that someone had opened in my name. I informed them that this was the result of Identity theft and that the account is unjustly hurting my credit rating and ability to obtain credit. 

I asked them to investigate the account and provide me with information and documentation as well as names of representatives that they spoke to at the company that reported the account and to block and delete the fraudulent account from my credit report as required by law and outlined in the FCRA section 605B. 

They failed to accurately investigate the account. They did not send me any information on how they supposedly investigated the theft of my identity and they failed to block or delete the account on my credit report. I have notified them that I will now be seeking legal action to demand the removal of the fraudulent account under Section 616 & 617 of the FCRA.

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 2022-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
Sofi 's financial practice is deceiving and impossible to complete. We started the home refinance loan process XX/XX/2022. After locking the rates and submitting all the paperwork for our rental properties and my tax information, I didn't hear anything regarding the application process until Mid XXXX. Mid XXXX, we were notified to perform a home appraisal for our home to assess the value. We paid and the home was finally appraised on XX/XX/2022. Since then, the application has been in " underwriting process '' with the occasional documentation requirements that we would submit the same day. It's been 3 months since the appraisal and 5 months since the start of our home refinance process and yet we still don't know when the loan will be finalized. I tried to call and email various people in charge of my home loan including the financial officer and the processor, but I would infrequently get a response from my voicemails or emails. I am really hoping to just finalize this refinance process after 5 long months of not knowing what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC
State: HI

Complaint narrative:
Someone claiming to be from XXXX has been calling constantly for about 2 months- most recents are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I've called their number ( XXXX ) XXXX ) several times, and just get a voice menu to pay now or set up a payment plan. I visited their website, and it lists a debt of {$1300.00} to XXXX XXXX, and a immediate payoff of {$390.00}. I've never even heard of that company! After having visited their website this morning ( XXXX ), I've gotten 3 text messages saying they noticed that I visited their website ( XXXX XXXX and didn't select a payment option. On top of that, for the last 2 months, they have also been contacting my relatives!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I recently checked my credit report and noticed a few accounts I have no idea what they are or, why they are on my report. I sent a debt validation letter to CMRE, XXXX, XXXX, and XXXX on XXXX to validate the debt and send me some type of paperwork contract or something with my signature because I dont know what that debt is nor do I believe its my debt. XXXX updated my account said the debt was verified and updated a few errors so on XXXX I sent another letter to CMRE again asking for the debt to be validated and to delete it off my account and even after 60 days I havent received a letter of validation, HIPAA release form, or any form of communication from CMRE as if they are ignoring my request and acting as if they havent received it. On the same day I sent another letter to XXXX, XXXX, and XXXX asking to reinvestigate because I still dont know what that debt is and to delete it off my account. On XXXX XXXX sent me a email stating they can only verify and not validate. This is harming my credit score and can not get a reply from CMRE and would like for the collection to be DELETED due to inaccuracies, not my debt and failure to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: NRA Group, LLC
State: VA

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. 

XX/XX/2022 XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX A XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2022-05-12 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 realize I'm a victim of identity theft. My personal information on Experian is incorrect It stated my name as XXXX XXXX XXXX and incorrect address of XXXX XXXX XXXX XXXX, Fl XXXX and I have 2 unauthorized inquiry XXXX XXXX  XX/XX/2021 and XXXX XXXX XX/XX/2021

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 2022-05-12 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: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I placed a formal request to place a security freeze on my consumer disclosure report with the company. as per FCRA, 15 U.S.C. 1681, et seq. FCRA 602, 604A ( 2 ), 605A ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the payment history is inaccurate, and date last reported is not accurate, there are so many errors on my credit report & they also violated my rights under 15 U.S.C. 1681 602 A. State I have the right to privacy.

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

I have attached my credit report with all the inaccurate errors thats currently being report by all three ( 3 ) credit bureaus as proof.

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 explanation
Consumer complaint received 2022-05-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I had recently reviewed my credit report and i found several discrepancies in the below accounts. I wrote to each bureau to please fully validate the reported information and remove anything that they couldn't provide signed, original contracts that correlated to the accounts in question. They didn't even look into it they just reposted the discussion from before that again wasn't looked into nor did I receive the information. 


XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$510.00} written off. {$510.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX XXXX  XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$620.00} written off. {$620.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$620.00} Balance updated XX/XX/XXXX XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$220.00} written off. 
Status updated XX/XX/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 2022-05-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I had recently reviewed my credit report and i found several discrepancies in the below accounts. I wrote to each bureau to please fully validate the reported information and remove anything that they couldn't provide signed, original contracts that correlated to the accounts in question. They didn't even look into it they just reposted the discussion from before that again wasn't looked into nor did I receive the information. 


XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$510.00} written off. {$510.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$620.00} written off. {$620.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$620.00} Balance updated XX/XX/XXXX XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$220.00} written off. 
Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I financed a vehicle with Exeter at a XXXX location in XXXX, Indiana on XX/XX/22. My fianc and I put down a downpayment of {$4000.00} and was told that itll be applied to the overall car. We traded in a XXXX which had negative equity of about XXXX. Looking over the contract, I do not show this being deducted from the pricing of the cars value itself. This is now resulting in the contract being null and void.

Company response to consumer: Closed with explanation