vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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.

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 non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
TransUnion purposely reported outdated information such as employment history, inquiries that make no sense/ non banking agencies such as auto insurance, and random numbers/ garbled to anger customer

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Greetings, tried to find out why my credit score drop more than XXXX XXXX  I have no late reports no collection and my utilization is excellent and my payment is excellent. The credit bureau. Cant give me a reason at all this is not fair.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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.

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 2023-10-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
The midstate company keeps calling about debt that was erased n 2020 then they adding it back on then I dispute it then they put n collections then o dispute again email them ask for itemized bill n XXXX they still call send no bill and then I tell them n XXXX and then they say they will send bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
EQUIFAX IS NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION. I submitted disputes XX/XX/XXXX and have not heard anything yet. Tomorrow, XX/XX/XXXX makes 45 days and they are violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I don't have any specific dates but {$600.00} overdrawn on my account

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 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have problems making payments with Department stores XXXX XXXX becouse the covid 19 pandemic also I been trayig to negotiate to make payments with them and maybe they can anderstand I loss my job for the covid 19 Pandemic but the company didn't want negotiate so they send my to collection with portfolio Recovery company and this affect m credit score very badly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
On XXXX XXXX I re submitted an online dispute for a second time asking TransUnion to please update the late payments to paid as agreed never late.Between XXXX my student loans was in forbearance and deferment during the years TransUnion has listed as being late, I also asked for proof of statement showing late payments which I never received. I also asked how can I be in good standing in XX/XX/2017 and XX/XX/2017 Im 90 days late?. But instead for the second time XXXX XXXX results they investigated the information I disputed and updated : Date Updated; Last Payment Made ; Maximum Delinquency ; Rating. Which wasnt what I disputed even thought the dispute process online is difficult. I made sure to put in the comment where they ask why I am disputing this item again what I was disputing and the 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 explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent all three credit bureaus my police report, my ftc report and letters provided by the creditors that the accounts was never paid late and they dont belong to me : I havent heard from the credit bureaus ; on XX/XX/XXXX I submitted my information : XXXX XX/XX/XXXX; XXXX I submitted my information :, on XX/XX/XXXX ; XXXX I submitted documents : XX/XX/XXXX and XX/XX/XXXX I submitted documents. No results the items remain the same.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been contesting for XXXX years with both XXXX and transunion about inaccuracies on my credit report with my upstart loan. Everytime I submit a dispute they say it's been " investigated '' and the information is accruate. I have emails, letters, and phone calls with upstart saying that they havbe not reported ANYTHING late, and they have no record of either credit agency contacting them for an investigation. I want the late payments removed from my credigt but they refuse EVEN WITH DOCUMENTATION from the creditor.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
i would like to have some inquiries removed because I do not recognize them. and I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR

Complaint narrative:
i would like to have some inquiries removed because I do not recognize them. and I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting 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: IL

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 XXXX USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
Delete hard inquiries In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidenciality under 15 USC 1681.

The accounts below have violated my rights. 15 USC 1681 section 602A.

States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it olso states a consumer reporting agency can not furnish and account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the fallowing item of information. Any other adverse item of information other than records of convictions and crimes which antedates the report by more than 7 years.

15 1681 s-2 ( A ) ( a ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable couse to believe that the information is inaccurate.

Delete accounts below. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2022 XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting 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:
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.

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 2023-10-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In the past I complained about being a victim of Wells Fargo and nothing was done and we are still homeless as a result of their wrong doing. I need justice I am an elderly person with XXXX that has been took advantage of I need justice this matter needs to be addressed

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 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Aspire Visa Customer Service Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Fraudulent Account from Credit Report I am writing to inform you that an account listed under my name with your institution has been opened fraudulently. I have recently discovered this unauthorized account on my credit reports from XXXX, XXXX, and XXXX. 

The details of the fraudulent account are as follows : Account Number : XXXX I have not authorized the opening of this account and have taken immediate steps to report this identity theft to local law enforcement and the Federal Trade Commission ( FTC ). I have attached copies of these reports for your reference. 

I kindly request that you investigate this matter promptly and remove this unauthorized account from your records. Additionally, I ask that you contact each of the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) to inform them that this account was opened fraudulently and should be deleted from my credit reports. 

I understand the seriousness of this situation and am eager to cooperate fully in this investigation. Please let me know if you require any additional information or documentation from my end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AMERICAN INTERNET MORTGAGE
State: CA

Complaint narrative:
1st Issue : For two years, since the creation of a Deferment, which I did not ask for and was derived without my knowledge or consent, in the amount of {$8700.00}, I have been asking for a complete payment history that includes the column showing the Payment and Transaction ID numbers. 

However, after prolonged delays, all I have received are handmade spreadsheets derived from a second set of books/ledgers that XXXX XXXX XXXXXXXX , the third-party vendor for AIM Loan, derived during the period my loan was in forbearance during the Pandemic. 

I now have a case open with the Dept. of Financial Protection and Innovation and am hopeful a resolution can be met soon. 

Issue # 2 : The second and most pressing issue is that sometime near the end of XXXX of XXXX, my account payment portal became locked. I have been denied access to make any online payments. 

Upon my initial inquiry about this, I was told that it was part of protecting my account while it was in transition from XXXX to AIM Loan in-house servicing. 

When my account was not released I asked again and I was told that my account was delinquent, and once I paid my XXXX payment, it would be released. And so after my XXXX payment was made payments were paid, it still remained locked. 

Now, four months later, the company is telling me that because I have been approved for mortgage relief assistance, my account will remain locked until the second mortgage is paid off. 

It is a different story every other week. 

Although I have been informed I can mail in a payment, I am reluctant because now that I have uncovered a second set of books/ledgers, I have reason to believe the curtailments payment I included with my checks and money orders, early on in my loan, between the months of XX/XX/XXXX through XXXX of XXXX, were not properly credited to my account. 

Whenever I request a copy of my 1098 forms, the bottom half of XXXX, XXXX, and XXXX arrive blank. While XXXX onward contains my payment history. 

Something is not right with the way my mortgage has been handled. I do not trust AIM Loan and I will send my payments until I can do so and receive a proof of payment and transaction ID # that I can immediately print out and keep for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2023 I identified inaccurate items on my credit report and filed a dispute with Equifax and XXXX, asking them to verify the account. The items in question relate to XXXX XXXX XXXX 
Account Number. Despite providing all the required documentation and following up on XX/XX/2023, I received no response, demonstrating a lack of due diligence in investigating the matter. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) of the F.C.R.A., the credit bureau is obligated to conduct a reasonable reinvestigation and remove unverifiable items which have not been adhered to in this case. 


XXXX took XXXX letters for them to verify the account as accurate but failed to advise the description of the procedure used to determine the accuracy and completeness of the information under the 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) or proof of this alleged item, specifically the contract, note or other instrument bearing my signature, demonstrating a lack of due diligence in investigating the matter, The items in question relate to XXXX XXXX XXXX also I would like to point that XXXX validated a debt and the debt collector has not validated the debt with me The incorrect items and the subsequent refusal to validate or remove them from my credit report have precipitated a cascade of detrimental financial and emotional consequences for me. My credit score has been unjustly reduced, resulting in loan rejections and subjection to exorbitantly high-interest rates for essential credit facilities, such as my mortgage and car loan. Furthermore, the inaccurate credit report has necessitated higher security deposits for utilities, exacerbating my financial strain. 

The emotional toll has been equally devastating, inducing consistent stress and XXXX as I navigate through the quagmire of resolving these inaccuracies. The mental strain from dealing with persistent calls from debt collectors, coupled with the fear of additional erroneous entries tarnishing my credit report, has been overwhelming. This has not only usurped countless hours that I could have devoted to my work and family but has also sown discord in my personal relationships due to the perpetual worry and financial instability.

The culmination of these issues has also necessitated the incurrence of additional costs, such as legal consultation fees and costs for sending certified mail to various entities in an attempt to rectify my credit report. These financial and emotional burdens are direct results of the inaccuracies in my credit report and the subsequent lack of adequate action to rectify them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Advantage LNS Inc.
State: PA

Complaint narrative:
I'm NOT liable for this dept with XXXX XXXX PA ( XXXX XXXX ), I do NOT have a contract with NATIONAL CREDIT AUDIT CO, no paper work signed, no agreement for any amount of payment has historical value or legitimacy, also there has not ever been a COPY of the original contract as requested to prove my debt, as this DEBT with XXXXXXXX XXXX is a charge off, therefore the account is closed and has been sold to a collection agency NATIONAL CREDIT AUDIT CO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with non-monetary relief