vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 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:
I did not provide any company reporting with consent to share my credit card ( ID, SSN, etc ) with another entity ( this credit reporting agency ) this is a violation of 15 U.S. Code 1681s-2. This credit reporting agency is negligently and inaccurately reporting and is not complying with 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: DISCOVER BANK
State: TX

Complaint narrative:
I notified the company I have not received any text messages, letters or emails concerning any delinquency. They sent info to the wrong place. This was confirmed on one of my calls to Discover. I received a 30 days past due hit on my credit. Had I received proper notice from Discover via these platforms there would not have been any delinquency as I travel. In addition I was blocked from electronic payment for a period due to opening a second Discover account. I could not log in as it required both credit card numbers. I did not receive my 2nd card with the required info. I called Discover, they would not tell me the card number. I had to wait to receive the 2nd card in order to access the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: Colony Brands, Inc.
State: ID

Complaint narrative:
Montgomery Wards is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Montgomery Wards to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
DEPT OF ED / XXXX Account XXXX - Q Date of first delinquency is missing? Delete Account XXXX Q Date of first delinquency is missing? delete Account XXXX Q Date of first delinquency is missing? 
Date of letter XX/XX/2023 - delete Date of letter XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: NJ

Complaint narrative:
this is not my account or inquiry.please delete.

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 2023-04-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, VA XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-04-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, VA XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-04-11 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: TX

Complaint narrative:
I have made many attempts working with the credit bureaus, but they have not been helpful and very difficult to get someone on the phone. I have provided all required documents. I am a victim of Identity theft and these fraudulent accounts were opened without my knowledge or consent.

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 2023-04-11 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: TX

Complaint narrative:
XXXX XXXX XXXX  date assigned XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Account numbers TransunionXXXX XXXX XXXX XXXX XXXX XXXX assigned XX/XX/XXXX {$880.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX original balance {$660.00} current balance {$700.00} Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$8900.00} account no. XXXX XXXX XXXX {$1000.00} n accordance with the Fair Credit Reporting act 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 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 2023-04-11 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:
XXXX XXXX XXXX  date assigned XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Account numbers XXXX XXXX XXXX XXXX XXXX  date assigned XX/XX/XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX balance {$660.00} current balance {$700.00} Account numbers Equifax XXXX XXXX XXXX XXXX XXXX XXXX- {$8900.00} account no. XXXX XXXX XXXX {$1000.00} n accordance with the Fair Credit Reporting act 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: CarMax, Inc.
State: MS

Complaint narrative:
I applied for a car loan through Car max and they sent out my social security number to other lenders trying to get me approve without my knowledge I only applied for that particular company Car Max in XXXX, This was dated for XXXX XXXX, ongoing XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX all these car lenders and or banks were from one or two car lots I applied for and Again that was Car Max, and also XXXX XXXX the rest I had Absolutely no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I requested a debt validation letter. When the letter was sent the amount was XXXX rather than the XXXX they reported on my credit. I asked for the explanation for that and then they told me I didnt make a payment in XXXX of XXXX  when the validation letter said as of XX/XX/2021. I asked for validation on the difference and they failed to send it to me. When speaking to them, they were very dismissive and told me that there isnt much they can do as the debt is already in collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: LA

Complaint narrative:
Attached you find a Validity of Debt Letter that questions just how this account is even being reported to my account not to mention the discrepancies and inaccurate reporting. Who verifed this account? I'll answer no one verified the account as it states on my attached consumer report!! I demand this account XXXX XXXX XXXX XXXX. be removed from my consumer 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 2023-04-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OR

Complaint narrative:
I never received a debt validation letter. I found out about this via XXXX. They are trying to collect a XXXX debt that was fraudulent originally, as XXXX was supposed to close that account after my last payment, but continued to leave the account open and charging until I suspended it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 written instructions.

15 U.S.C. 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 written instructions.

15 U.S.C. 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate XXXXate payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
I have a mortgage loan through Flagstar Bank. I submitted a request to cancel the pmi insurance on my loan. the county did a property evaluation in XXXX and based on the new value, I am well below the 80 % threshold. I was denied even though I submitted a copy of the counties new property evaluation. I called to find out why i was denied and was told that XXXX XXXX is the investor in my loan and they determine who does the evaluation on my property and they are the only one that can remove the pmi. i asked for a contact at fannie mae but was told they did not have any info that they could give me. I hung u and called fannie mae and spoke with someone there about the same thing. he told that i would have to contact flagstar to schedule the assessment and it would cost {$190.00} ( same as what flagstaXXXX said ) to do the evaluation. It must be through one of their approved vendors but they did not have a list of who the approved vendors were. They said flagstar would do the scheduling and not them. XXXX XXXX would only look at the results and determine if the pmi could be dropped. From my point of view, it sounds like this is not fair and just a way to charge me {$190.00}. No one could tell me why the county assessment was not good enough. No one could tell me who an approved vendor was. My only option is to pay {$190.00} and hope that whoever this company is comes to the same conclusion and the county. If i am required to use approved vendors then i should be allowed to know who those vendors are? Why can i not call those vendors myself and ask for a price on the evaluation and then go with whoever is the lowest? Do they all charge the same price? No one seems to care to help. Both companies are putting the blame on the other while i am the one in the middle. The county did the evaluation in XX/XX/2023. Based on that i am well below the 80 % but somehow that is not good enough. I do not feel like this is honest business. I think this is just another way to get more money out of me and make me jump through a bunch of hoops to get my pmi canceled.

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