vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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: CT

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.

The letters are stated with items and issues.

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 ite
ms 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 2023-06-13 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: LA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
All XXXX credit bureaus have refused to remove false debts off my report I have sent over XXXX letters explaining why and which XXXX on XXXX ally XXXX is reporting I owe thousands of dollars for a car that was a total loss and paid off in full by my insurance company and I almost had gap and all I got was back and fourth fingers pointed. Also XXXX XXXX is false reporting that want get removed off my report

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 non-monetary relief
Consumer complaint received 2023-06-14 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: WA

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I have written numerous letters including, an identity theft report over the past two years and still XXXX is reporting incorrect information on my consumer report. I have attached my consumer reports for SANTANDER CONSUMER USA for XXXX, XXXX, XXXX, and XXXX. On each report the year XXXX reports different things each year and each year the terms change. Each year XXXX continues to report inaccurate information and its defamation of my character. The information is entirely inaccurate and incomplete, and as such represents a very serious error in reporting. 
The generated report for XXXX XXXX no repossession and XXXX to XXXX of XXXX says data unavailable, terms 58 months, and balance {$21000.00}. 
The generated report for XXXX XXXX charge off from XXXX to XXXX of XXXX, terms 58 months, and balance {$22000.00}. 
The generated report for XXXX XXXX no data available for XX/XX/XXXX, terms 56 months, and balance {$13000.00}. 
The generated report for XXXX XXXX no data available for XXXX and XXXX of XXXX, terms 56 months, and balance {$13000.00}. 
As of now there are XXXX negative charge off on this XXXX account and a repossession in XXXX which none of is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: MD

Complaint narrative:
I have a mortgage serviced by Flagstar bank. I paid all my mortgage due on time before pandemic. This property is my rental property which is located near XXXX campus. My tenants usually are XXXX fellows. Since the pandemic, I lost the rental income due to the school closure. My tenants went home and studied remotely. I also lost my job due to pandemic. So I applied for forbearance at the beginning with the hope the covid situation would be squared soon. But as we know it took longer than expected and also students got used to virtual study and even after school reopened in 2022, there were much fewer come back to campus. But on the other side my forbearance period ended and a large lump sum of outstanding balance due. I talked to housing consultant and was suggested to contact my lender for deferment or loss mitigation. I contacted Flagstar then the nightmare started. They first asked me to submit loss mitigation application, which I did. Then they told me they needed additional documents, I submitted, but they never really reviewed my documents and repeated asked the same thing once for a long time. I repeatedly resubmitted the documents, but they still continued to ignore it then told me the application expired my house would be foreclosed. I kept calling them for resolution, everytime a random person picked up my call after a very long holding time, and told me a different story. I had been asked to resumbit the application forms at least 4 times. I always called them to follow up and they kept telling me it was under review and I had nothing else I could do than waiting for decision. Then at some point, instead of a decision, I received foreclosure letter. Then I called them, they would say the loss mitigation application expired, again and again, due to their ignorance and delay than anything else. Now I tried to file another one but their system is not working at all. It seemed they purposely created the difficulty so they could foreclose people 's house. They are predator than anything else. They crafted a case to foreclose people 's house. I am single mom with XXXX XXXX XXXX XXXX. I am very struggling with my life already. They made my life very stressful. What should I do?

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 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: FL

Complaint narrative:
In XX/XX/2021 I request a telephone service with XXXX XXXX XXXX Which was an account opened under postpayment With my social security number paying a monthly payment Of the telephone service plus the equipment equipment Team which disappeared while sleeping in a shelter called XXXX XXXX in XXXX Florida, The account was opened in XXXX XXXX XXXX but after a few days I moved to XXXX due to the pandemic I was left homeless I only had about a month with the phone equipment when it disappeared though. Yes, however, assuming my responsibility and contract with XXXX, I called to report the stolen phone and report that I would continue to pay the debt for it Once in XXXX I went to an office directly from XXXXXXXX XXXX XXXX in XXXX XXXX .They notified me that there was a debt of approximately {$800.00}, which indicates that this was not the amount since I had barely a month with the account and that amount to debt was not possibleIn the store, they told me that the equipment was still active, something that I never understood because I reported it as stolen and apart from them, services such as television and others were still lined XXXX the store they literally ignored what I was saying and my hands were tied because I had no way to communicate with the company since I didn't have a phone and I didn't have money to buy another.After that telephone equipment was lost, I lost access to many things, such as my social security account, my ucis account, my bank account and many more, which has resulted in the, XXXX account XXXX account and Gmail account by then that was installed on the same phone but I was left totally incommunicado And if the access to all those accounts that were already included and open within the telephone equipment.Today a little more stable and with a little more access to my information I am seeing under my report behind and union that there is a collection account under AFNI # XXXXEntered by the same XXXX company under cable and cellular services for an amount of $ XXXXAnd I can honestly tell you that both personally at the XXXX XXXX XXXX I asked for a verification of it since I only had about a month with the service the phone at the time I tried and communicated the fact of what was happening .Having this information, I have tried to communicate with the company but it is impossible. It is always busy and there is no way to be able to communicate with it for that very reason. Well, I am writing to you and ask for advice or how to resolve this situation that really it has me worried Because apart from all this situation, I believe that my data was disclosed since online as

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
There are multiple errors on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Upon finding in XX/XX/XXXX that I was delinquent on monthly payments due to the increase in Escrow from the previous XX/XX/XXXX, I immediately coordinated with Nationstar Mortgage/dba Mr. Cooper to determine exactly how much was needed to become in " good standing ''. I immediately paid this amount in the first week of XX/XX/XXXX. I continued to follow up with Nationstar Mortgage/dba Mr. Cooper to see when they would change my status from " delinquent '' to now " good standing ''. I was told that they only make changes at the end of the month. However, you could plead with their " researchincoming '' department to see if they would do it sooner. " ResearchIncoming '' is nothing more than an automated response so no action was taking place. I made sure to continue calling and sending messages to Nationstar Mortgage/dba Mr. Cooper pleading with them to ensure they made the necessary changes from " Delinquent '' to now be " Good Standing ''. 

The end of the month ( XX/XX/XXXX ) came and went and now I'm in the middle of XXXX and we just pulled my credit again only to see that my account status has not changed. This is truly affecting my status and ability to sell my house and pay off my bills. I am a single parent and it is imperative that I get this resolved as soon as possible. I am trying to do the right thing but Nationstar Mortgage/dba Mr. Cooper is too big to care about their own constituents/members.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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. 
XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion, XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXX XXXXXXXX XX/XX/XXXX Transunion, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Delete this account. 


5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 


7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I mailed a dispute with Capital One on XXXX I had sent negotiable instrument for payment and it was not credited in violation of UCC 3-104, UCC 3-603 , 15 USC 1666, 12 CFR 1026-13, 15 USC 1693, 16 CFR 433.1-.2-.3 while under dispute and without sending notice that I had sent a dispute and the requested full accounting they closed my account which violated the Fair Credit Billing Act.

To dispute a charge, you need to mail a letter that includes your name, address, account number and a description of your billing error, and send it to your creditors billing inquiries address. You should also include copies of anything that backs up why youre disputing the billing error ( like a receipt showing a different purchase amount than what was billed, for example ). The letter must reach your creditor within 60 days after you receive the billing statement that contains the error.

The creditor must acknowledge receipt of your complaint within 30 days of receiving it, unless they resolve the issue first. And no matter the outcome, the creditor must resolve the dispute within two billing cycles after receiving your letter.

While you dont have to pay for the disputed transaction during the dispute, you do have to make payments related to all other purchases. The creditor is not allowed any actions related to the dispute that might ding your credit, but they can note the dispute.

If after receiving the results of the investigation you disagree with the decision, you can dispute that, too. You have 10 days ( beginning from when you received the results ) to do so, and you can note that you will not pay the disputed amount. At this point, the creditor can begin trying to collect on the amount owed and report you as delinquent if you fail to pay the amount owed. That said, creditors must also report that youre disputing the amount owed when reporting the payment delinquency.

If the creditor fails to meet any of the timelines required by the Fair Credit Billing Act during the investigation process, they cant collect the amount in dispute, regardless of whether the bill was correct or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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:
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. 

The letters are stated with items and issues. 

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