vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would " re-investigate my consumer report '' for the accounts that I listed is violating my rights and would respond back within 30-60 days. 

According to the FCRA the term " investigate a consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Acct # 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 2022-06-13 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: NY

Complaint narrative:
On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would " re-investigate my consumer report '' for the accounts that I listed is violating my rights and would respond back within 30-60 days.

According to the FCRA the term " investigate a consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Rhode Island Student Loan Authority
State: IA

Complaint narrative:
My student loan with XXXX was supposed to be refinanced over a month ago with XXXX. However my XXXX loan is still not paid off and still accruing interest and requiring payments. The new XXXX loan has also been accruing interest and repayment started on XX/XX/22, even though they have not paid off one of the loans they are supposed to be refinancing. I've received a lot of changing and conflicting information from both XXXX  and XXXX. We've been trying to resolve this for the past month without much progress. 

I had an approximately $ XXXX student loan with XXXX and my wife had an approximately $ XXXX student loan with XXXX. Last month we refinanced and consolidated into XXXX loan with XXXX for about $ XXXX. The XXXX loan was paid off quickly, however the XXXX loan was never paid off. Per XXXX, they disbursed payment to XXXX on XX/XX/22. I called XXXX several times but was always told that no check had been received. XXXX asked me to wait 30 days before requesting a new check. 

After waiting the 30 days as instructed by XXXX, we called on XX/XX/22 and XXXX told us that XXXX had cashed the check on XX/XX/22. XXXX initially couldn't find record of this and when they got back to us, they state they sent it back to XXXX on XX/XX/22. First they said it was because it was sent to an incorrect address, then said it was because there was no account number to identify it. We're now being told that we once again need to give it more time while the check travels back to XXXX. 

I can't get consistent information or a clear timeline from either XXXX  or XXXX. We are now having to make payments on both the XXXX loan and the new XXXX loan. I raised this concern to XXXX  before their first payment was due ( due on XX/XX/22 ) and was told to give it more time. 

My other concern is that both of these loans are accruing interest. Instead of accruing interest on ~ $ XXXX of loans, we've been accruing interest on ~ $ XXXX of loans ( interest on the ~ $ XXXX from XXXX and then again from XXXX ). I don't understand how XXXX can start requiring repayment when they have not paid off the loan they were supposed to be refinancing. 

We've spoken with XXXX and XXXX several times. I've also spoken with XXXX to verify that they didn't accidentally receive the full ~ $ XXXX. We don't seem to be getting anywhere yet every day more interest accrues on both loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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:
I sent letter to remove personal information that I don't want on my credit report. XX/XX/2022 here are the tracking numbers, XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6082. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TX

Complaint narrative:
I sent letter to remove personal information that I don't want on my credit report. XX/XX/2022 here are the tracking numbers, XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6082. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Im attempting to obtain a mortgage. The mortgage company cant pull my Equifax score, due to an error of a consumer remarks/fraud. Ive called Equifax on three different occasions, I faxed over identity documents asking to remove any stops or remarks. I called and spoke with a supervisor named XXXX XXXX ID # XXXX, who them told me there arent any consumer remarks or fraud stops on my account and the mortgage lender shouldnt have any issues. But the mortgage lender continues to get an error message of a stop being on my account from equifax. Equifax is currently holding ( preventing ) me from obtaining a mortgage. I need a assistance, there should be no holds on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I reached out to the loss recovery department of GM Financial in regard to negative information being reported to the credit reporting agencies. GM Financial has been reporting my account as charged off from XXXX XXXX XX/XX/2022. The GM Financial representative from the loss recovery department stated that according to their policy there is a difference between a write off and a charge off, however according to 7 CFR 1956.54 A charge off is defined as the writing off of a debt and termination of collection activity without release of personal liability. I wanted clarity on if their policy definition supersedes the federal laws definition and I was transferred to many representatives who couldn't assist me at all. GM Financial is furnishing my nonpublic personal information to third parties ( Credit reporting agencies ) without my consent ( 15 USC 1681s2 ). The reporting of this negative information is ruining my financial reputation, and this is unlawful activity that is causing me substantial harm. The representative stated that per their policy they are required to report the information and that is a violation of 18 US Code 892 which is them stating that they knew I was going into an extortion and extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

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

In accordance with the Fair Credit Reporting Act XXXX Account : Unauthorized Hard Inquiry XXXX XXXX XXXXXXXX 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 2022-06-13 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: MA

Complaint narrative:
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. I demand that the following information be verified or removed immediately : 1.The following personal information is not mine XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX remove it from my credit report. 
2.The following account is not mine XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 
3.The following account is not mine XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 
4.The following inquiry is not mine XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
5.The following inquiry is not mine XXXX  XXXX XXXX Please remove it from my credit report. 
6.The following inquiry is not mine XXXX XXXX XXXX Please remove it from my credit report.

7.The following inquiry is not mine XXXX  Please remove it from my credit report. 
( FCRA ), 15 U.S.C. 1681 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] 603 - 15 U.S.C. 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Truth and Lending Act 15 USC 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) 603 - 15 U.S.C. 1681a ( 3 ) Restriction on sharing of medical information. * ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2022 I made a online purchase from a online website called XXXX. Fake counter fake jewelry advertised as 14kt Gold ring. I took rings to authenticate metal and was told by pawn broker and jewelry store items were fake. I reached out to XXXX about returning items to seller and was immediately blocked by seller ; XXXX the vendor closed my case indicating window for returns was 3 days, I had just received items 2 days prior so my window was not closed! I contacted Discover Credit to dispute this charge and was told they opened investigation but never contacted me ; upon several attempts on my behalf to submit correspondence from sellers I was then after the fact told by Discover I required to get a Certified Counter fake investigator to sign off or provide me a letter with [ his ] Certification Seal indicating items are fake. I asked where I can find this entity? I was told by Discover to hire a lawyer! To provide me more details!? I was confused this requirement seems unreasonable as Discover is supposed to protect me. I need a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts with XXXX, and XXXX  has violated my rights. 

SEC. 4021. CREDIT PROTECTION DURING COVID19.

Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.

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 2022-06-13 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I've submitted multiple complaints all XXXX credit bureaus in the last year and still no corrections. There multiple errors on late notices on my report, On XXXX of XXXX my report shows an on time payment followed by a XXXX day late payment in XXXX and XXXX late notice in XXXX. There are many months left XXXX in XXXX followed by XXXX day late notices as well on my FICO 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 2022-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: GA

Complaint narrative:
I have been actively looking for vehicles on Carvana since XX/XX/2022 with the intentions on financing utilizing my consumer 's rights via consumer credit transactions. However, each and every option that Carvana has available requires a down payment ( violations of 15 USC 1601 and 15 USC 1662 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is my 3rd complaint with XXXX XXXX. I have tried to get my mortgage refinanced for over a year. The first complaint was XXXX was resolved. The second complaint appears to be resolved but is still open. This complaint is regarding my credit report showing delinquent payments, late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. I was in bankruptcy and payments were not made during that time XX/XX/XXXX- XX/XX/XXXX but it was removed because of Covid related issues. The bankruptcy was paid in XX/XX/XXXX at which time late fees were added to the mortgage. The mortgage was paid on time for months that it is showing late on my credit report. XXXX states that these payments were put on past payments making them late for the XXXX 2021  months. Once again I am trying to refinance my mortgage to get my exhusband off the mortgage. Every complaint I file with XXXX gets cleared up only to bring out another issue that was not on my statement or credit report prior to my trying to refinance. XXXX is interfering in my moving forward and keeping my home.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

15 U.S.C. 1681 Section 602.1 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. 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.

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 2022-06-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, 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 explanation
Consumer complaint received 2022-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Grain Technology, Inc.
State: NY

Complaint narrative:
In XXXX they disconnected the services. I did not know until I received a late payment for the first time with this XXXX XX/XX/XXXX. I sent numerous emails to fix this problem there has been no feedback just automated responses to me. They finally let me back into the account in XXXX. IM unable to use the functions in the App. The account has never been late until this problem occurred. 

Now there is another late payment on my account. I've sent emails and there has been no response to pay the balance nor discuss removing the late payments.

Company response to consumer: Closed with explanation