vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The initial problem started with XXXX XXXX reporting, without my knowledge, of delinquent or late payments for three payment periods in XXXX and XXXX. On XXXX reports from the XXXX credit bureaus, the payments are listed as 30 days or less delinquent, and on XXXX report the same dates are listed at 60 days plus. After contacting XXXX XXXX I was informed that these misinformed reports would be removed from my credit history as I was on XXXX as an XXXX XXXX XXXX in the United States XXXX. There was no 30 days delinquent payment, they received their payment on the next business day that the payments were scheduled to be made by my bank. In each instance, the date selected fell on an observed holiday, yet XXXX XXXX decided to report the incident anyhow. Fast forward to me scrubbing my credit report, after disputing locally with first XXXX XXXX and then with each credit bureau. And each instance, they are pointing the fingers at each other. XXXX XXXX states that their records have expunge the information from my account however have failed to provide any proof. Even though disputed on their individual sites, the credit bureaus are continually to report this information and other data on each file that is highly in accurate! I have called each credit bureau individually, and have used their own websites to dispute this matter and yet as I pull my credit report today, the information is still visible. As is the other information they were supposed to have corrected. The last company or bureau ( Equifax ) that I contacted was in XX/XX/XXXX. I again was informed by their representative that the matter has been resolved. Yet it is not and the negligence in reporting is still showing as an adversary action. Finally, it is my hope that these bureaus get on the same page and at least get my name right, get my address ( es ) right, know that I have no spouse name XXXX that you have somehow added to my account that I have no idea who this person is, and the information correct from what you claim the companies are reporting to you. If this were the case then why is the information correct on some reports but not in others? Obviously the files are too large to even input into the system for them to look at what was circled and what does not apply. However I will try my best to at least upload portions of the full reports to show the gross negligence in their reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: VA

Complaint narrative:
The initial problem started with XXXX XXXX reporting, without my knowledge, of delinquent or late payments for three payment periods in XXXX and XXXX. On two reports from the three credit bureaus, the payments are listed as 30 days or less delinquent, and on one report the same dates are listed at 60 days plus. After contacting XXXX XXXX I was informed that these misinformed reports would be removed from my credit history as I was on XXXX as an XXXX XXXX XXXX in the United States XXXX. There was no 30 days delinquent payment, they received their payment on the next business day that the payments were scheduled to be made by my bank. In each instance, the date selected fell on an observed holiday, yet XXXX XXXX decided to report the incident anyhow. Fast forward to me scrubbing my credit report, after disputing locally with first XXXX XXXX and then with each credit bureau. And each instance, they are pointing the fingers at each other. XXXX XXXX states that their records have expunge the information from my account however have failed to provide any proof. Even though disputed on their individual sites, the credit bureaus are continually to report this information and other data on each file that is highly in accurate! I have called each credit bureau individually, and have used their own websites to dispute this matter and yet as I pull my credit report today, the information is still visible. As is the other information they were supposed to have corrected. The last company or bureau ( XXXX ) that I contacted was in XX/XX/XXXX. I again was informed by their representative that the matter has been resolved. Yet it is not and the negligence in reporting is still showing as an adversary action. Finally, it is my hope that these bureaus get on the same page and at least get my name right, get my address ( es ) right, know that I have no spouse name XXXX that you have somehow added to my account that I have no idea who this person is, and the information correct from what you claim the companies are reporting to you. If this were the case then why is the information correct on some reports but not in others? Obviously the files are too large to even input into the system for them to look at what was circled and what does not apply. However I will try my best to at least upload portions of the full reports to show the gross negligence in their reporting!

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 2022-04-29 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I applied for only one Chase credit card this year on XX/XX/XXXX. That card was the Freedom Flex. I recieved XXXX extra inquiries on XX/XX/XXXX and XX/XX/XXXX. I did not apply for any new cards and this is an incorrect use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

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 a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions/consent.

15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: CA

Complaint narrative:
XXXX CFPB, How are you? Hope all is well. Ive been a member of the student loan program for 12 years. Having successfully completed my hard earned and worked degree as a XXXX veteran with no help since the beginning. Ive been homeless for XXXX or more years struggling. Ive also been discriminated against when it comes to scholarship and being looked as a non A or B + Student but I actually am. Ive been paying my student loans as much as I can asking for forgiveness and I still didnt get a pardon? Is it because Im XXXX XXXX thats educated that wanted to stand up for my country? If you look at my education record Ive done my best with what I have thats all I can do. Ive applied for all types of scholarship and because Im a veteran Im disqualified, no thats Descrimination. I have every right to apply for any scholarship just like anyone. Everyone is getting recognition for their education except me. I asked for loan forgiveness just like all other students at least a portion of my student loans. Its not easy. Now they are reporting on my credit that Ive reached my max limit. Trying to sabbatoge my credit score by reporting incorrect information about my student loans basically Descriminating. Ive spoke with Department of Education and have been ignored, hung up on the phone, and transferred. Veterans shouldnt have to pay for school at all including loans should be forgiven because of their service and sacrifice to our nation.

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 2022-04-29 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: MD

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open 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 2022-04-29 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: MD

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, has sent out a dispute letter to NationWide Recovery Service on XX/XX/2022 and they have failed to respond. I reached out to NationWide via call to confirm the letter has been received and it indeed was. I was told by a representative a letter will be sent out to me but I have not received a response from the company. I sent in a follow up letter on XX/XX/2022 regarding the matter and they have failed to respond to that one as well. If the collection agency ( Nationwide Recovery ) are attempting to collect a medical bill then my private health care information has illegally disclosed to one or more unauthorized parties without my consent, and absent my signed authorization. This is a violation of my HIPAA RIGHTS. The FCRA states that it's the Credit Bureau 's and creditor responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. It is prohibited to disclose private health care information by Credit Bureau 's, without the specific prior consent of the individual, under the HIPAA and State privacy regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: CITIBANK, N.A.
State: GA

Complaint narrative:
# 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 net treat a payment on a credit card account under an open end 51 consumer credit plan as late for I XXXX XXXX XXXX purpose. 
XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the CFPB about XXXX reporting a fraudulent Bankruptcy on my consumer report. They are also the same companies who report this information to XXXX, XXXX, and Equifax. They claimed that I filed a XXXX XXXX on XX/XX/XXXX and it was discharged XX/XX/XXXX out of XXXX, NC. So I filed another complaint showing them that I had never lived in XXXX until XXXX of XXXX so I don't know who that person was they're claiming me to be. So on XX/XX/XXXX, I filed another complaint explaining this was not my bankruptcy and you reporting false information about me. Well, it came to light that the bankruptcy they were reporting was indeed not mine it belonged to a XXXX XXXX and this was verified by XXXX  who XXXX has an account to pull information which and it to consumer reports which is illegal because of the following under the FCRA. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( A ) 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

So as it states in the law by Congress I have a right to privacy and you need my written consent to furnish anything about me on my consumer report which they definitely did not have. Once XXXX realized they were wrong they removed the bankruptcy from my consumer report and told me to file a dispute with the other CRA XXXX, Equifax, and XXXX to get the bankruptcy removed. I have done so and the only one to remove the erroneous information was XXXX ; Equifax and XXXX both claimed to have verified said information. 

Equifax claims it used XXXX to verify the information on multiple disputes but how can that be when I have provided proof to them that it was erroneous and it needs to be removed immediately. 

XXXX reports that they verified it with the courts which is false reporting because the courts don't report to the CRA 's and I have provided proof from the courts that they don't. I have also contacted XXXX which is an electronic court document system that doesn't report either and the only way to access the information is to pay for an account. 

Lastly, the CFPB is supposed to look over these cases prior to sending them to the companies and they have failed on numerous occasions. I have consistently provided proof that what the CRA 's is doing is wrong and should be punished. The law is the law and it the XXXX 's are not bigger than Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
Buying your first home should be one of the most memorable experiences ; however, ours was one of the WORST experiences I have ever experienced. The lender, XXXX XXXX, who works with American Pacific Mortgage Company has been the worst customer service experience of my life and is completely inept.

To begin with her communication skills are atrocious. She would ignore phone calls and respond via text message or email usually after a few days of us calling and repeatedly messaging her. Certain days she would message us around XXXX with a task and if we called to ask for questions, she would claim that she was not near her computer. Having a phone conversation was like pulling teeth and she was very abrasive via text. 

Secondly, she never explained anything to us, we were XXXX  or reaching out to friends, our realtor, and everyone else to get answers. She herself on several occasions told us to look things up on XXXX. 

She gave us a pre-approval for a set amount in which we paid the home appraisal fees and additional fees with it all our efforts being futile. She additionally requested tedious tasks from us which we completed within an hour of her asking for them, and they were time consuming paperwork tasks. In return we just wanted open and honest communication ; however, she failed to do so, and would go days without returning our emails. At one point she claims her phone could not receive phone calls, but she could text and still email from the phone. Specifically, it was XXXX XXXX, and we called her and finally got a hold of her, and we expressed our frustration and our concerns, in return she told us She spent enough time on us. These comments were repeated in the presence of our realtor, who was astonished that she made such a comment. 

She is completely insensitive and inconsiderate of her clients time and money. 

The delayed communication caused our process to go over the time frame, with frustrations from the seller, the listing agent, and ultimately, we did not receive the home. She would procrastinate on her side then harass us to call our managers and HR departments to get documentation sent over ASAP. The constant calling and pleading to employers to get the documents to her last minute soured our relationship with them. 

Our realtor worked with us as if we were family and we felt our concerns were heard BUT NOT with the lender who in turn gave us such a headache we were in tears throughout the entire process. We personally believe that we were discriminated against based on our XXXX and XXXX background.

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 2022-04-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Bankruptcy Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are incorrect addresses on my credit report along with incorrect places of employment. This is hindering my ability to get employment. Also there is an incorrect last name on 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 explanation
Consumer complaint received 2022-04-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
15 uSC 168 ( a ) ( 4 ) there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of ( 1 ). XXXX XXXX ( 2 ). XXXX XXXX XXXX # XXXX XXXX XXXX Michigan XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses and please update with the one above. 
I do not want my phone number included on my consumer report! Please delete any and all phone numbers! I demand my social security number and date of birth to be removed from being displayed on the credit file for privacy reasons. 
Please delete all information in the employers section. Pursuant to the Fair Credit Reporting Act 15 USC 168 ( a ) ( c ), I am a federally protected consumer and I have a right to privacy, not granting my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XX/XX/1977 Last 4 of SS # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Michigan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2022-04-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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