vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 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: OH

Complaint narrative:
I Recently noticed I was a victim of identity theft because of the various data breaches. I sent in the proper documentation but the credit bureaus ignored my documents and failed to remove all of the inaccurate, fraudulent and unauthorized accounts. therefore, I sent in a letter to each bureau asking for the steps the took to verify the info but I never heard back from them and they continue to furnish inaccurate items on my report when I know they are supposed to only report 100 % accurate items. its been more than 30 days since I sent my documents! this is ruining my reputation and I need these accounts remove expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
On Monday XX/XX/2023, I indirectly received a Summons from the Court of Common Pleas of the State of Delaware for XXXX XXXX. The serving of the summons was unacceptable. This is regarding the Comenity Bank account ( account number ending in # XXXX ) Comenity Bank sold the original debt to debt collection agency XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX is now trying to sue me, the consumer, for the debt that has already been paid and accounted for. That is a violation. 

There are more violations : 1. I did not receive a written notice of debt from XXXX XXXX XXXX XXXX XXXX ; 2. With the summons I received, there is no conspicuous statement from XXXX XXXX XXXX XXXX stating that I have the right to dispute this debt ; 3. I have not received enough information to verify this debt ; 4. XXXX XXXX XXXX XXXX influenced a Special Process Server/Clerk of the Court ( State of Delaware ) to indirectly speak with a third-party about this alleged debt, as the information was delivered without an envelope and given to someone outside of the person of interest and ; 5. This summons/lawsuit was my first time receiving notice of the debt. I did not receive written notification of debt prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX FCU Account Number XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-06-02 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
This is to dispute the baseless erroneous delinquencies reported to the credit bureau when the balloon mortgage I had with Citizens for 15 years matured, effective XX/XX/2022. Since filing two earlier disputes on this same issue, I have received additional information to support my contention that my account wasn't managed as it should have been once it matured, and I applied for a loan modification. Prior to the loan maturity date, I received XXXX letters reminding me of the maturity date and the options that were available to me to satisfy the balloon payment. The letters stated that the only payment Citizens would accept would be the balance of the balloon payment unless alternative arrangements had been made. The letters offered XXXX options. The option I chose was to apply for a loan modification. I timely submitted all required paperwork XX/XX/2022, and the modification was finally issued XX/XX/2022. The delay was due to citizens receiving a XXXX party valuation which was out of my control. While, the delay was pending, Citizens continued treat my account as if it were still active and sent me delinquency letters even though I tried to make the payments they said they would not accept, did not accept -- payments I tried to but were returned. I was also informed by Citizen employees that once I applied for a loan modification certain protocols should have been put in place but were not. The delinquencies were based on system generated letters not applicable to the true status of my account. Citizens has also stated that the delinquencies were based on my not paying the balloon in full. If this is the case, why did the 4 letters state that the balance was due unless an alternative arrangement was made and I timely applied for a loan modification as an alternative arrangement. Again, the delinquencies were based on a false narrative that my account was active, and I abruptly stopped making payments. In addition, as you will see in the attached documentation, the alleged delinquencies were based on the {$770.00} monthly payments on the mature loan for the 4 months my loan modification was pending, and not on my failure to pay the balloon on XX/XX/2022. They fail to acknowledge or even consider I made an alternative arrangement to satisfy the balloon payment and they did not accept the monthly payments, even returned the payments went on to state the payments were delinquent. I learned that once I applied for the modification, credit reporting should have been put on hold as they could not accept them, and records/documents should have been updated to show the true status of my account. Rather, my account was mismanaged, and Citizens continues to promote this false narrative that I did not pay this account for 4 months. ( Please see attached supportive documents. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
A scam charge I paid for products never received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am a victim of identity theft and I have filed a Identity theft report regarding personal and credit information appearing on my consumer report that are not transactions done by me nor to which I received any benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: NJ

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. 

Account name : XXXXXXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated m

y rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681
c. ( 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 2023-06-02 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: NJ

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. 

Account name : XXXX XXXX XXXXXXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other 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 explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CO

Complaint narrative:
Supposed to close on the XXXX but the company keeps coming up with meeting one more document. Send the documents in immediately now cant get anything any communication from them they made the closing on the second now cant get any return calls emails nothing Have made several purchases for the new house supposed to be all delivered and we havent closed yet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: CA

Complaint narrative:
According to my recent review of the credit report provided by your agency, there are items that I believe are incorrect and require immediate attention. I kindly request that you investigate and rectify these errors as per my rights 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 non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am writing to request that you remove the fraudulent account that was opened using my identity from my credit report. I recently discovered that someone had stolen my personal information and used it to open this account without my knowledge or consent. 

I have already taken steps to report the identity theft to the appropriate authorities, and I am working to dispute the fraudulent charges associated with the account. However, I would also like to request that you remove the account from my credit report as it is damaging my credit score and financial well-being.

I understand that you may require additional documentation or information to verify my claim, and I am willing to provide whatever is necessary to support my request. I would also appreciate your prompt attention to this matter, as I am eager to resolve this issue as quickly as possible. 

Thank you for your understanding and cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX To Whom It May Concern : I am writing to complain about the illegal repo, improper reporting of credit, and other violations of the law that I have experienced at the hands of [ name of finance company ]. 

On [ date ], my car was illegally repossessed by [ name of finance company ]. I had made all of my payments on time and in full, and I had not violated any terms of my loan agreement. I contacted [ name of finance company ] to inquire about the repo, and I was told that it was because I had missed a payment. However, I had not missed any payments. 

I disputed the repo with [ name of finance company ], but they refused to return my car. I then filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB investigated my complaint and found that XXXX XXXX had violated the law by illegally repossessing my car. 

In addition to the illegal repo, XXXX has also improperly reported my credit. They have reported that I have made late payments on my loan, when in fact I have made all of my payments on time and in full. This inaccurate reporting has damaged my credit score and made it difficult for me to obtain loans and other forms of credit. 

I am also concerned about the predatory lending practices that XXXX has used. They have charged me high interest rates and fees, and they have made it difficult for me to understand the terms of my loan agreement. 
False advertising Deceptive practices Unfair and abusive lending practices In 2019, the CFPB issued a consent order to XXXX XXXX requiring the company to pay {$1.00} XXXX in consumer redress and to make changes to its business practices. The order found that XXXX XXXX had engaged in a number of unfair and deceptive practices, including : Making false and misleading statements about its products and services Charging excessive fees Failing to provide consumers with accurate information about their loans The FTC has also filed a lawsuit against XXXX XXXX alleging that the company violated the Truth in Lending Act and the Fair Debt Collection Practices Act. The lawsuit alleges that XXXX XXXX made false and misleading statements about its loans, and that it harassed and threatened consumers who were unable to repay their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX To Whom It May Concern : I am writing to complain about the illegal repo, improper reporting of credit, and other violations of the law that I have experienced at the hands of [ name of finance company ]. 

On [ date ], my car was illegally repossessed by [ name of finance company ]. I had made all of my payments on time and in full, and I had not violated any terms of my loan agreement. I contacted [ name of finance company ] to inquire about the repo, and I was told that it was because I had missed a payment. However, I had not missed any payments. 

I disputed the repo with [ name of finance company ], but they refused to return my car. I then filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB investigated my complaint and found that XXXX XXXX had violated the law by illegally repossessing my car. 

In addition to the illegal repo, XXXX has also improperly reported my credit. They have reported that I have made late payments on my loan, when in fact I have made all of my payments on time and in full. This inaccurate reporting has damaged my credit score and made it difficult for me to obtain loans and other forms of credit. 

I am also concerned about the predatory lending practices that XXXX has used. They have charged me high interest rates and fees, and they have made it difficult for me to understand the terms of my loan agreement. 
False advertising Deceptive practices Unfair and abusive lending practices In XXXX, the CFPB issued a consent order to XXXX XXXX requiring the company to pay {$1.00} XXXX in consumer redress and to make changes to its business practices. The order found that XXXX XXXX had engaged in a number of unfair and deceptive practices, including : Making false and misleading statements about its products and services Charging excessive fees Failing to provide consumers with accurate information about their loans The FTC has also filed a lawsuit against XXXX XXXX alleging that the company violated the Truth in Lending Act and the Fair Debt Collection Practices Act. The lawsuit alleges that XXXX XXXX made false and misleading statements about its loans, and that it harassed and threatened consumers who were unable to repay their loans.

Company response to consumer: Closed with non-monetary relief