vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These are ALL the UNAUTHORIZED HARD INQUIRIESON MY REPORTS that were NOT AUTHORIZED BY ME NOR DONE BY ME ; XXXX  XXXX-Inquired on XX/XX/XXXX XXXX  XXXX-Inquired on XX/XX/XXXX XXXX  XXXX-Inquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX-Inquired on XXXX XXXX, XXXX XXXXInquired on XX/XX/XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXXInquired XXXX XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX FI-Inquired XXXX XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX-Inquired XXXX XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXXXXXX XXXXInquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXXXXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I had switched XXXX Insurance carriers, provided Freedom with a certificate of insurance and they still are saying they don't have it when it was downloaded to their site by my agent and provided by the carrier as well.

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 2023-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
I requested that all payments be refunded that were made after XX/XX/XXXX, as per the Covid 19 law. However, I asked Mohella to process it in late XXXX of XXXX, and there were no changes. Therefore, I am unsure that the request has even been submitted to XXXX by Mohella. My loans originally came from XXXX XXXX servicing. In writing, XXXX said my requests would be passed along to Mohella. This was in XX/XX/XXXX. This was not true, according to Mohella. I attached a screenshot of the email correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is EXPERIAN 's duty pursuant to the FCRA to be reporting correct and accurate information to my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. These include a 30 day late payment posted XX/XX/2023 and a 60 day late payment posted in XX/XX/2023. These are incorrect and supposed to be reported PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-02-21 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: FL

Complaint narrative:
I tried repeatedly with documentary evidence that XXXX unethical predatory practices including credit reporting violates law. XXXX gets revenue for reporting false information and refuse to to look into the documents support my position that the error on my credit report is wrong. I sent XXXX letter with their company letter head proving the information on my credit is wrong and XXXX refuses to delete it. I voluntarily gave my son vehicle back the end of XXXX beginning of XX/XX/2016. There tow truck driver used the vehicle for 6 months in my name and made payments. It wasn't until I inquiring about the auction date that for over 1 month XXXX stated I did not return the vehicle. The account close date is not XX/XX/2016 and the balance should be XXXX not XXXX. That keeps increasing while charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I received a legal letter from my county court that they will collect from my wages and Ive called multiple times on this debt and never call back. I rather deal with this on my own thats collecting from my work wages I will attach legal forms sent to me today XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XXXX of XXXX I was advised from LVNV Funding LLC also known as XXXX & XXXX, of a very old account in which was closed and no longer relevant. 

I had to create a new complaint cause in my previous complain statement ; I got confused, I thought they were talking about XXXX. But today I am totally 100 % that the account is a Credit Card for XXXX XXXX that LVNV Funding is claiming I owe. 

This account was opened on XX/XX/XXXX first of all in the State of Florida. 

According to the Statute of Limitation on Debt Collection practices for Open Ended Contract in the State of FL is 4 years since the last payment ( year XXXX ) to the Owner of the Account. This is no longer valid to collect, also they purposely altered the date on the credit as reported this XX/XX/XXXX, also said that the account was opened in XXXX. This is a lie and it's also illegal. I am going to make sure, this company gets what they deserve ; cause they were frivolous with bad intentions towards me. 

They keep claiming I owe that money in which I don't. A Sheriff from XXXX XXXX in which I live, my current State is Georgia. The XXXX came to my house with court papers on XX/XX/XXXX from this Collection Company. I disputed that, and that this account was in another state ; they have being persisting on my credit report after they sued me on XX/XX/XXXX. 

I am writing with a copy of the letter attached I've received from the XXXX XXXX XXXX XXXX XXXX Making this email short, LVNV Funding failed to appear in court on XXXX XXXX and the case was dismissed without prejudice by the court. So meaning LVNV Funding needs to erase the debt, remove the credit inquiry from the XXXX and also don't ever send letters about this account anymore. In that year we were also in the middle of the pandemic, economic hardship, and problems with everything around us. My brother also passed, and I had to invest in a lawyer service because of this company harassment and not being willing to cooperate. I have all the proof at my favor to show, I am only uploading 2 documents. Appreciate any help the CFPB can provide, and thank you. XXXX : I also notified the XXXX on that date too, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt for ONEMAIN FINANCIAL GXXXX XXXX that was written off and a 1099c issued by Onemain financial. XXXX XXXX  is reporting the debt incorrectly to XXXX XXXX and XXXX credit reporting agencys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX 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 an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights. 

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

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

15 U.S.C 166b A Creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2022 received email from Capital One that they are inexplicably closing my accounts & returning funds via check within XXXX days. 
This time frame has passed & when I called they said account was under " review " and suspended indefinitely. We simply want Capital one to honor their word & return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report is being send to my mothers email and I have never given any consent to allow for that.

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 2023-02-22 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: MD

Complaint narrative:
Delete these inquires accounts 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 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 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 2023-02-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX  was scheduled to come to my home to install floors in 2 bathrooms. As part of the terms, I agreed to a one day install and to purchase the materials. The installer took the last material to be installed, stating he had something that would look better, and that he would return the next day. Since this was my second install with XXXX, and the installer had been to my home before, ( trusted him ) I did sign for completion. The installer never returned to complete the work and never returned the materials I purchased. I contacted the company and the installer directly until XX/XX/XXXX and then I filed the dispute. As of XX/XX/XXXX, the work remains incomplete. 

The work was to be financed by Fortiva Credit services. On XX/XX/XXXX, I opened a dispute with Fortiva. On XX/XX/XXXX, Fortiva denied my dispute stating I signed the certificate of completion, despite the fact that Id sent pictures showing the work was incomplete. Fortiva has now added this to my credit report for a total of {$1500.00}, for work and materials not provided as agreed. I disputed this on XXXX XXXX on XX/XX/XXXX and was advised today that the item would remain on my credit report. 

Last XXXX, Fortiva opened a second account in my name, without my full legal name on the card. When I realized this in XXXX, they insisted I opened the account by applying for credit online in XX/XX/XXXX. This is also inaccurate. I was able to close that account after multiple transfers with customer service. 

Fortiva recently sent my husband, at same address, a credit offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my rights to privacy and confidentiality under 15 U.S.C 1681. 

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  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 reparation 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 containin any of the following items of information. Any other adversed 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 the person knows or has reasonable cause to believe that the information is accurate.

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 2023-02-22 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right 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 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2023-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc.
State: NJ

Complaint narrative:
Pulte sold me a house promising incentives if I use Putle Mortgage. They assured me that their rates are competitive and that ofcourse they would want people to buy their houses. They pre-qualified me with a reasonable rate that was in line with other banks and took a down-payment. Now it's time to close and Pulte is not giving me a fair rate or mortgage option. My credit score and income have only gone up since pre qualification and yet Pulte 's rate offer to me is 43 % higher than quotes from other major national lenders. This will now potentially lead to closing delays for me to get the rug pulled in the last minute by Pulte. 

My problem above doesn't even go into high pressure sales tactics used my pulte loan consultants who have given a myrade of reasons why I should pay them points worth XXXX 's of XXXX XXXX XXXX and if I don't do it now, rates may even go higher. This was in XX/XX/2023, when rates are already at 7 %. Overall I feel like every step of the mortgage process was trying to take advantage of a first time home buyer.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Theres are multipe hard inquires on my credit report that I did not authorize. I have called each and every creditor in an attempt to get them removed. Some have advised to me get in contact with the bureaus, and other said they would have them removed on their end, but they are still showing on my reports. They are the following below. 

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 explanation
Consumer complaint received 2023-02-22 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: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
Cavalry Portfolio, a debt buyer, is reporting two items to my credit bureau, lowering my score. The original creditor, who I had history with and on time payments at one point, sold my account. Cavalry then placed this on my credit as a chargeoff, as if I never had any positive payment history. This is false and misleading. They did this for one reason, to get paid! This is infair and unjust! I have worked out an agreement, but this should be removed immediatley. to use my credit bureau against me, like a weapon should be illegal and moving forward prohibited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: TX

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-02-22 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: FL

Complaint narrative:
I sent out a letter to XXXX on XX/XX/2023 disputing two accounts reporting late payments and also disputed online. They have investigated and results came back verified and updated. However, the late payments were not removed. 

In accordance with the Fair Credit Reporting Act, both : XXXX account ending XXXX XXXX XXXXXXXX account ending XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right 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 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for a 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