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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called XXXX and let them know they ran my Equifax credit three times on multiple days XXXX, and XXXX. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked XXXX to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my Equifax credit report.They need to train the staff on how to handle things over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Prizm Financial Company, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX I sent a complaint via Consumer Financial Protection Bureau ( XXXX ) .The complaint was about consumer violations among other things that prizm had violated .Prizm company response was that they were sorry that I was struggling on my payments and that XXXX, XXXX, XXXX, the consumer signed a contract for the financing of the vehicle with prizm financial company llc.They stated that they did not purchase this contract from a third party.A copy of the contract has been provided to the consumer.Prizm is willing to work with the consumer on his payments, however prizm records show a lapse in insurance coverage starting XX/XX/XXXX...... Everything that they responded back to your agency with the CFPB is a lie, misleading, and heartless the way they do there consumer.I requested that they send me a copy of there accountant ledger meaning revealing who was the original creditor, whom the debt was purchased from, etc.On XX/XX/XXXX I sent a request for debt validation which clearly, stated what was the money you say I owe is for, show me how you calculated what you say I owe, provide me with copies of any paperwork that show I agreed to pay what you say I owe, provide a verification of any judgement if applicable, Identify the original creditor, prove the statue of limitation has not expired on this account, show me that you are licensed to collect in my state, and provide me with your license numbers and registered agent or agent of service.I have not received any of the requested information from prizm financial.As of Friday XXXX XXXX it would be 30 days since the legal document I sent via next day mail was signed for at Prizm office location.They lied when they said this contract was not purchased from a third party.My investigation reveals that they purchased this debt from XXXX XXXX ( which makes them a third party purchaser ) They also stated that They are willing to work with the consumer on bringing the debt current i have proof to show the consumer attempted to make a payment arrangement for the next week but they refused it.This company not only lies to me but lies to a federal agency like the CFPB.Wow.I also sent a second validation letter, an notary signed affidavit ( statement of fact ), a conditional acceptance letter stating all consumer violations they violated with evidence to go with it, and a payment invoice to go with it.I gave Prizm 15 days to respond before i move forward with my court proceedings.As of XX/XX/XXXX they had not reponded back to my conditional acceptance offer.So note that i have taken all steps to remedy this situation without pursuing a legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: NC

Complaint narrative:
Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( Experian, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX. 
As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract like I requested before, the information should be removed from my credit report within 15. 

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor there any such debt in fact therefore exists. 


I was reviewing my credit report and seen some inaccuracies on my file. XXXX deleted XXXX XXXX XXXX XXXX./ XXXX XXXX XXXX XXXX XXXX to not being able to accurately verify it so how did you? Obviosly, you did not properly conduct an investigation on this account. DELETE THIS ACCOUNT IMMEDIATELY!!! 


I have a right to bring a lawsuit! 

I need this deleted ASAP!

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 2023-06-01 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I mad a {$1700.00} payment in XXXX through my XXXX  XXXX XXXX the mortgage company Mr Cooper sent it back to the bank. I resent it again. They said they have not received it. I sent another payment {$1700.00} through XXXX XXXX XXXX they have not yet been able to find that payment either. I had the banks talk to them and let them know the money was sent on time and funded. Mr. Cooper has yet to find either payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was in a marriage with a XXXX for over 26 years I was broken and lost as to what to do. One night I gained the courage to leave and was taken in by family and still am in the process of healing. In order to begin my next steps I gained copies from all 3 credit bureau and was devastated to what was on it. I had checked my credit around XX/XX/XXXX and it was a XXXX. So when I got the most recent I cried and almost just gave up. But I couldn't do that not to myself or family. I called all 3 credit bureau and asked for incorrect information to be removed and gave all 3 new address and phone number. To my surprise I wasn't allowed to remove some of them because the credit bureau said they were tied to my name. There are 2 Social Security numbers on there. And a mans name!!!!! From there I just sat idle I started a business for myself and just continued to make ends meet because I spoke with my bank and was told with my score it would be near impossible. I did some research and decided to do what I could. I paid my fingerhut account in full and through nerd wallet was able to get a small line of credit through XXXX. On my credit report there is one collection agency that is adding fines, fees, something to its balance monthly. I have no idea who these accounts are. I would like to share XXXX XXXX XXXX there are 4 files they have added on my report. I am going to list them now same agency XXXX XXXX XXXX. XXXX ) XXXX XXXX from XXXX XXXX XXXX one amount is XXXX the other is XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX one amount is XXXX one is XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX one amount is XXXX one is XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX  one is XXXX one is XXXX. 
I have closed accounts from over 9 years ago on my report. And to date there are 25 hard inquiries. I am lost as to what to do so I begin here thank you for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: TN

Complaint narrative:
I was in a marriage with a XXXX for over 26 years I was broken and lost as to what to do. One night I gained the courage to leave and was taken in by family and still am in the process of healing. In order to begin my next steps I gained copies from all 3 credit bureau and was devastated to what was on it. I had checked my credit around XX/XX/XXXX and it was a XXXX. So when I got the most recent I cried and almost just gave up. But I couldn't do that not to myself or family. I called all 3 credit bureau and asked for incorrect information to be removed and gave all 3 new address and phone number. To my surprise I wasn't allowed to remove some of them because the credit bureau said they were tied to my name. There are 2 Social Security numbers on there. And a mans name!!!!! From there I just sat idle I started a business for myself and just continued to make ends meet because I spoke with my bank and was told with my score it would be near impossible. I did some research and decided to do what I could. I paid my fingerhut account in full and through nerd wallet was able to get a small line of credit through XXXX. On my credit report there is one collection agency that is adding fines, fees, something to its balance monthly. I have no idea who these accounts are. I would like to share XXXX XXXX XXXX there are 4 files they have added on my report. I am going to list them now same agency XXXX XXXX XXXX. XXXX ) XXXX XXXX from XXXX XXXX XXXX one amount is XXXX the other is XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX one amount is XXXX one is XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX one amount is XXXX one is XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX  one is XXXX one is XXXX. 
I have closed accounts from over 9 years ago on my report. And to date there are 25 hard inquiries. I am lost as to what to do so I begin here thank you for your time

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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My account was defrauded last year, I opened a fraud case and filed a police report as instructed by TD bank. The bank said they would send it to global securities and investigate the case, it has been a year and they have NEVER investigated the case, or even gotten back to me. Instead theyve attempted to eschew all responsibility and claim its not their job to investigate the case despite telling me they would do so. At this point it is negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2023-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I spoke to Mohela customer service and Military customer service several times about my PSFL application and submission of W2 forms since last year when I submitted my PSFL application. At this time they can not help me resolve my issue. I am requesting to get my information looked at and processed. The customer service representative told me today they are waiting on further guidance to calculate hours worked since I sent in W2 forms. I work for the XXXX  and we are 24/7 so I do not understand what guidance Mohela need when it clearly states on student.gov website to send in W2s. I marked full-time on the PSFL application been in the XXXX since XX/XX/XXXX. This is very unacceptable and I need a resolution to this issue. I was told in XX/XX/XXXX to resubmit an application to get credit for the last 12 months and during that time I was never told that my W2s would put my application on hold. It is currently XX/XX/XXXX and no closure to my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: 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 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-06-01 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: 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 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have sent several request to both XXXX and Experian to remove incorrect addresses, phone numbers, income of SSI, and names from my credit report. However, even though the emails and website shows deleted it still is showing on the report and it is affecting my closing process on my new home. 
There should only be one address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX One phone number XXXX one name : 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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: KEYCORP
State: IN

Complaint narrative:
Im not sure where to begin..I am doing home improvements and other things and was over budget..I went into Key Bank to close my account..a gentleman suggested I get a credit card and asked my credit score..it was XXXX on my XXXX credit update that day..he said right now I could get a card with absolutely no interest or fees for 15 months..I didnt know this was offered as I have had the same card with XXXX for approx 20 years..never had another one other than XXXXXXXX XXXX and usually carry no balance. My credit is always locked up for safety..went into his office and unlocked the credit reporting company they use. From there on it has been nothing but absolute miscommunications..outright untruths that to prove I have had to have many phone calls reviewed after Ket Bank associates telling me no one would ever say that. I was told no fees, called in to transfer a balance and was told I couldnt for 15 daysmanager later telling me that was not true and no one ever said that..Had the phone called..proved they did.also XXXX  said to decide whether or not I pay the fees depended on policies they were reviewing not what their employee told me..it took a month for her to decide the policy was against me..I called Tuesday and they said a man was taking my case..First there was XXXX, then XXXX  and now someone new.. I wrote to them in the XXXX of XXXX saying I was going to report this issue..XXXX called me on Wednesday the XXXX of XXXX early afternoon and said my care was being reopened straight away..this is recorded..no replyhave been called an untruthful person..was told I couldnt use my card as well as very condescending bank manager telling me Not to use my card..every thing I told then had to be proved by them pulling a recorded call..very unprofessional and terrible service. 
Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01 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: Diversified Adjustment Service, Inc.
State: TN

Complaint narrative:
I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. As per FDCPA, you are required to provide this validation of debt within 30 days of receiving my written request. I believe that you, as well as XXXX, whom I originally entered the contract with, are violating 1692g by submitting incomplete information again to my credit report. This is a severe violation of THE FALSE CLAIM ACT, and I urge you to correct this immediately. Moreover, I would like to bring to your notice that XXXX did not adhere to the law of 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( F ), which includes an agreement to defer one or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period, which began on XX/XX/XXXX, and ended on the later of 120 days after XX/XX/XXXX, or after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminated. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TX

Complaint narrative:
I was alerted that someone opened an account without my permission. This account is a fraud, and I am a victim of identity theft. Please remove this account from my credit report. 

XX/XX/2023, account was opened for a a total of {$300.00} dollars. 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