vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: AZ

Complaint narrative:
1 ) My legal name is XXXX XXXX XXXX There are other XXXX XXXX ' XXXX XXXX to whom the criminal  records must belong 2 ) The criminal records are being 'red-flagged ' to my employer as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My name is XXXX XXXX. I am writing because I sent sent out dispute letters to " XXXX XXXX XXXX '' three weeks ago and have not received an updated credit report nor have I seen any changes in my credit profile. Account # : XXXX This account is not mine.

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 2022-08-25 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: DE

Complaint narrative:
My name is XXXX XXXX. I am writing because I sent sent out dispute letters to " XXXX XXXX XXXX '' three weeks ago and have not received an updated credit report nor have I seen any changes in my credit profile. Account # : XXXX This account is not mine.

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 2022-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Thank you National Credit Adjusters what was sent to the CFPB was paper that is not a validation there was no original contract with my signature from XXXX AND no contract from you with my signature 15U.S.C.1681a { e } that's law that you are required to follow,15U.S.C.1611,15U.S.C.1602 { l } ,15U.S.C.1692e { 2 }, 15U.S.C.1681A { e } ,15U.S.C.1681 { b } these are laws that needs to be followed in Validation reinvestigate, but the law states that the account has to be removed while under the investigation Please refer back through the CFPB thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I have been approved for HAF ( Homeowners Assistance Fund ) for 18 monthly payments of {$1400.00}. When I call my mortgage company I get the run around and no one can give me a clear answer as to if they have received check payment from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: MO

Complaint narrative:
I have noticed that XXXX XXXX  have placed an inquiry on my EXPERIAN credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.

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 2022-08-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Leased a car at XXXX XXXX XXXX in XXXX of XXXX  for $ XXXX, 3 months later car completely shut down with a gas leak. Took for inspection and was advised there is over $ XXXX of damage. 

Reached out to XXXX XXXX XXXX multiple times with this information and no call back, left a XXXX review, the review was deleted. 

Called Credit Acceptance explained this information to them was advised there is nothing we can do, you still have to pay Called the warranty company XXXX XXXX was advised they can take a look at it, when asking what location they accept. Was advised they dont have any location list, and I was to find a location myself I asked how am I supposed to that. They advised I dont know Called credit acceptance back and advised them of warranty not being honored. Again was told that still has nothing to do with the amount you still owe and you have to pay While not being able to drive the car at all due to dangerous conditions, I was still paying my monthly bill. 
In XXXX my husband lost his job and was not able to pay full payments. Called Credit Acceptance and was advised I could pay {$100.00} today {$100.00} in 2 weeks leaving my balance at {$800.00} on XX/XX/XXXX but I could pay {$460.00} till its completely paid off. 
I paid {$500.00} towards my {$800.00} bill in XXXX but my online account did not reflect that payment stating I was late on my {$400.00} XXXX payment. 
I called Credit Acceptance and explain above and was told how I paid is wrong and they have no way of correcting the online account and I would still owe XXXX payment Not what our agreement was at all and now my bill for XX/XX/XXXX is {$1000.00}. 
The numbers are not matching at all. 
No emails of our conversation has been mailed, no care for the dangerous cask leak, no care for anything.

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 2022-08-25 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: MO

Complaint narrative:
I have noticed that XXXX XXXX  XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXX  XXXX and EXPERIAN to verify these inquiries. They have yet to do so.

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 2022-08-25 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: PA

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights XXXX  account XXXX XXXX has violated my rights XXXX  XXXX XXXX account XXXX XXXX has violated my rights XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) account 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 Sates : 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 ) Section States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: PA

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights XXXX account XXXX XXXX has violated my rights XXXX  XXXX XXXX account XXXX XXXX has violated my rights XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) account 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 Sates : 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 ) Section States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable 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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act Credit Inquiries XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: DISCOVER BANK
State: CT

Complaint narrative:
This company did not get my consent to allow any 3rd party 's to obtain my personal consumer information, while in good standing they closed my credit card account and informed me that an email ( not enclosed with Discover Bank 's name ) needed to be filled out with my irs information. They said i was givin a deadline. Discover Bank did not reach out to me through u.s postal mail or via telephone regarding this matter. And said that the closing of my account was irreversible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: PA

Complaint narrative:
I XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Experian, its United States affiliates ( collectively, Experian, we, us, our ). 
I the consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using Experian services or websites. 

Experian has 15 days to permanently to delete and remove the following personal data from my consumer report and credit file. 

Experian is not authorized to collect, use, sell, use and share the following personal data : XXXX XXXX NAME ID # XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX XXXX XXXX XXXX XXXX PaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX Experian must provide free copies of my consumer report, consumer disclosure and credit file reflecting updates in accordance with consumers instructions. 

Any authorized use of consumers personal data will not be tolerated. 

By sending Experian this notice consumer does not waive any rights to take action against Experian for any past or future violations of the law.

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 2022-08-25 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: IL

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

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

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

15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) =. The law clearly states that if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer On XX/XX/XXXX Transunion received a certified dispute tracking number # XXXX XXXX XXXX XXXX XXXX XXXX to conduct an investigation. 

Today, XXXX XXXX I received a letter from Transunion dated XX/XX/XXXX with the results in which provided no information except the account was verified as accurate but gave me no proof of an investigation. 

Transunion stated the account was properly investigated within 8 days of receiving my dispute but how is that possible when all bureaus are reporting different highlighted such as The account number is XXXX but all other bureaus report different, the monthly payment is blank but all other bureaus report different, the last payment made on XX/XX/XXXX but all other bureaus report different, The payment history of 120 days late is reported three times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but all other bureaus report different, the date closed is XX/XX/XXXX but all other bureaus report different, The balance is {$27000.00} but all other bureaus report different, first date of delinquency is XX/XX/XXXX but all other bureaus report different and the pay status is charged off but all other bureaus report different. The account was also closed on XX/XX/XXXX but was still reporting late payments and all other bureaus report different. 

All bureaus are reporting different information and every bureau has removed this inaccurate information from my credit report except Transunion. 

I also received statements from XXXX providing different account balances from what is being reported. 

This is grounds for removal they also violated my rights under According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

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 2022-08-25 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: MO

Complaint narrative:
I have noticed that XXXX XXXX XXXX  have placed an inquiry on my EXPERIAN credit file dated XX/XX/2021. On multiple occasions I requested XXXXXXXX XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.

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 2022-08-25 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: TX

Complaint narrative:
Dear all, Kindly below assist to remove the below inquiries in my Experian profile, 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 2022-08-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In the interest of my Name and Property, Nationstar Mortgage LLC, dba Right Path Servicing, Mr Cooper, Community XXXX XXXX formally XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and Authorized Rep XXXX XXXX attorney/debt collector. Have taken actions that are a violation of the FDCPA, FCRA. In relation to their collections practices of an alleged debt. The companies addressed here have violated the cease and desist notice sent their respective offices by registered mail that the debt is disputed and ordered to cease reporting misleading information on my consumer reports and communication with me unless they were to provide proof that a debt was valid and the law that relate to the alleged debt was not followed applicable in dealing with such a matter. By further mailing of statements and harassment letters from the attorney 's office listed above and unauthorized furnishings of transaction history and experiences between myself and the parties violates 1681 ( b ) 1681 a ( i ) permissible purposes and exclusions of certain information on a consumer report. I am holding these companies accountable for violation of 1692 e ( 2 ) The false representation of the character amount, and legal status of a debt. 1692 e ( 4 ) The implication that nonpayment of any debt will result in seizure or sale of property, 1692 d, 1692 f by communicated use of the attorney, listing my property and name in public notice of foreclosure as a delinquent debtor, has caused damages to my reputation as a natural person consumer, that will grossly affect my ability to do business and be provided housing whether it be lease rent or owning without being denied as a consumer. Under the XXXX usc 1692 and 15 usc 1681 s-2 ( a ), 1681 c, 1681 n, 1681 o, 15 usc 1681 n ( 1 ) ( A ), ( B ) ( 2 ), and ( B ) ( 3 ). These companies have caused injury and have failed to deliver the name and address of the original creditor so that I may be able to validate their claims to a debt and actions. I have not given any consent to the actions being taken against myself or personal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
As of XXXX XXXX XXXX is showing I have a balance of {$4900.00} on my credit report from Capitol one This is not a true statement, XX/XX/2022 XXXX was paid on this account As of XX/XX/XXXX the balance is XXXX I did not owe anything to Capitol one Not one dime and they refuse to update my credit report I made a call to the company and the worker stated he could not pass the call on to a Manger and my account could not be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: MI

Complaint narrative:
Experian Business Credit on 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

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 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: NC

Complaint narrative:
I set up a 13 week Sunday only subscription on XXXX XXXX. I paid in full the amount of {$45.00}. I have an emailed receipt with all this information. Prior to my subscription ending I logged in and cancelled my subscription since then I have received many emails trying to get me to subscribe again, but never a debt notice until I received this one in the mail for {$24.00}. I believe they have sent this on mistake to the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
Avant credit company issued a fraudulent card to someone in New Jersey using my name and social security number. This occurred on XX/XX/2022. I live in XXXX North Carolina. I received an email on XX/XX/2022 that this card was used in New Jersey. I immediately reached out to Avant to inform them that this was not me, I did not apply for this card. I was told they would remove this from my name. I then received an email on XX/XX/XXXX stating I have an outstanding balance of & XXXX, I called to be told I need to file an Identity theft victim complaint and affidavit, which I did and mailed to them. Approximately 30 days later I received a letter stating that it could not be excepted because it was not notarized our police report was not attached. I then as of XX/XX/XXXX resent the identity theft victim complaint and affidavit notarized via mail and email. I have called once a week and asked to speak to the fraud department, the supervisor, and was told it would take 48 hours to investigate and get back to me each time I will call. do this day this still remains on my credit and is a fact affecting my life, I was denied for a mortgage, had to pay an extra deposit for my apartment, was denied to refinance my car, all of this has occurred since XXXX. I want this removed from my credits I have provided all the proof they needed, my passport my drivers license and utility bill all showing my address and my name before I live I live in XXXX North Carolina. The credit card was applied for and sent to XXXX New Jersey, the address on the account is XXXX XXXX XXXX, XXXX XXXX, XXXX NJ.

Company response to consumer: Closed with explanation