vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/2003 ; XXXX XXXX XXXX XXXX Balance : {$57000.00} ; XXXX XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
The Capital One credit card was locked when a payment was delayed in the US mail. This was due on XXXX XXXX. I made the following monthly payment which included a late charge and penalty and was due on XX/XX/XXXX. It posted to my statement on XX/XX/XXXX. Meanwhile, the previous payment posted on XX/XX/XXXX which created a CREDIT balance. 

I tried to use my card to purchase airline tickets about XX/XX/XXXX and it was turned down. I called the Capital One customer service number but didn't get the name of the service rep. he said the account was unlocked and I could proceed to use the credit card. I tried to purchase the airline tickets again and the card was again refused. At this time I used alternate means to purchase the tickets. About an hour after that I received an email from Capital One asking if the ticket purchase was an approved transaction ( not quite in those words ). Of course I replied to reject that purchase since Capital One had denied it originally and I had since completed the transaction with another credit card. Ever since the account has been locked and I have a credit balance that I can't access or use. 

After trying to use the account to purchase the tickets, Capital One said that I needed to provide a federal or state ID to help prove my identity before they could unlock the account. I provided a ND drivers license by US Mail twice. Both times I received a phone call saying they couldn't read it- it was blurry or fuzzy. The other times I called customer service, I would keep getting the same thing ; either send another hard copy or upload to them. I told them on numerous occasions I wasn't going to upload sensitive information. 

Please see the attached letter I mailed to Capital one on XXXX XXXX if I can find out how to attach it as it has some record of the numerous calls I made to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: SC

Complaint narrative:
After experiencing identity theft, I contacted, Experian via certified Mail, and identified fraudulent variations of my name, fraudulent addresses, fraudulent employers, and fraudulent accounts that were not initiated by me. The only correct version of my name is XXXX XXXX XXXX XXXX I requested all other variations of my name to be removed, however they still remain. The only accurate address is XXXX XXXX XXXX XXXX SC XXXX. I requested all other inaccurate addresses be deleted, however they still remain. The only correct phone number is XXXX. I requested all fraudulent phone numbers to be removed ; however, they all remain. I requested all employers be deleted, as they are inaccurate and yet they still remain. The following fraudulent accounts still remain XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite providing the FTC identity theft report on and other proof showing this information/these accounts are fraudulent and a result of identity theft, Experian has still refused to remove this information from my consumer report and has verified this information as accurate. Im confused as to how these accounts which are fraudulent were identified as accurate, especially as I was not provided with the investigation report, and yet a fraud alert was approved to be put on my account.

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 2022-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: LendKey Technologies, Inc.
State: GA

Complaint narrative:
XX/XX/2022, recently when XXXX XXXX XXXX announced he will offer student Loan Forgiveness towards student loan debt. I taken upon myself to reach my student lender Lendkey to respectfully asked if they will make an exception to assistance me to see if I qualify for student loan debt forgiveness. I was instantly cut short of the conversation. I was told I didnt qualify due to my consolidation was going on XXXX XXXX  with Lendkey . I expressed that I had XXXX loans before consolidating and the interest rates were being that I should qualify for the XXXX student debt forgiveness being that I make less than {$120000.00}. I feel I should have the opportunity to qualify. XXXX XXXX XXXX XXXX XXXX XXXX on a fixed income my current and future income does not support my student loan debt of {$50000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
I believe it was XXXX or XXXX of this year I noticed my credit score had dropped XXXX points. I quickly checked my report to see why and noticed someone had tried applying for a XXXX  XXXX card in my name. I have never tried applying for any type of card as I have zero interest in ever getting one. I tried disputing it as I never applied for it. But after trying to dispute it a couple times theyve done nothing about it. They just keep closing the investigation which is very frustrating to me as Ive been trying so hard to build my credit. I find it unfair and frustrating that its dropped so much due to what I assume was someone trying to get a card in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT

Complaint narrative:
Carrington Mortgage is reporting I was late the month before going into forbearance, which I was not, I was going into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: MO

Complaint narrative:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MO 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 2022-11-22 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} EXPERIAN XXXX XXXX  XX/XX/2021.

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 2022-11-22 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX # XXXX XXXX XXXX XXXX  # XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX # XXXX XXXX XXXX XXXX # XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & 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 explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Identity theft account XXXX See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: MI

Complaint narrative:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX : {$2700.00} MI XXXX XXXX XXXX XXXX  : {$6500.00} XXXX  XXXX XXXX XXXX XXXX : {$2600.00} XXXX  XXXX XXXX XXXXXXXX XXXX  : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX MI XXXX XXXX XXXX XXXX : {$730.00}

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 explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: MI

Complaint narrative:
In XXXX of XXXX I signed a contract to purchase solar panels from XXXX XXXX XXXX ( XXXX ) with a backup battery that would power my home in case of an outage. The high pressure salesman promised we would be making all our own power and saving credits to pay for our own electricity usage through the winter. The salesman told me I would be stupid not to buy solar and keep paying Consumers power when I could just be paying myself. The system was installed in XXXX and wasnt finished until XXXX. The System hasnt worked to the contractual agreement ( to power production ) since, if it even works at all. The battery has never worked to power our home. I have had several service calls from XXXX and they never fix the system. The same day I received the letter in the mail that XXXX went out of business my system went out completely. XXXX tells us the problem is with XXXX and that we should call them. After several calls XXXX does nothing. 
I am currently paying a {$330.00}. Per month payment on a $ XXXX loan to XXXX and receiving no solar power from the system. In addition to high electricity bills from XXXX XXXX and my monthly propane bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX .... Balance : {$6400.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXXXXXX .... Balance : {$4400.00} ; XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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 explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Real Time Resolutions ( RTR ) has accrued over {$22000.00} in deferred interest on the XXXX loan on my primary residence, which Im preparing to pay off. They concealed this accrual until I requested a payoff statement, as it never appeared on any of my periodic statements. I was given to understand that they are not allowed to do this on a loan that was discharged under a XXXX  XXXX bankruptcy filing. The principal amount is {$30000.00}. 

I've already spoken with Real Time Resolutions on this matter on XXXX XX/XX/XXXX, but they would not provide any information that's not already on the payoff statement. 

I've been trying to find an attorney who can advise me on this, but expertise in this area has proven scarce.

My questions at this point : ( 1 ) Are there any circumstances under which a lender can continue to accrue deferred interest on a loan that was discharged in XXXX  XXXX bankruptcy? 

( 2 ) IF YES, does the 2nd loan on a primary residence fall within the legal envelope of such circumstances? 
-- Note : My bankruptcy attorney ( no longer practicing ) said Yes to both of these questions. 

( XXXX ) IN EITHER CASE, why did the loan servicer both accrue and conceal its accrual of deferred interest on my 2nd loan until I requested a payoff demand? 

Attachments : -- XXXX  XXXX discharge notice dated XX/XX/XXXX -- Latest periodic statement dated XX/XX/XXXX -- Payoff statement dated XX/XX/XXXX Loan Servicer : -- Real Time Resolutions, File # XXXX. 
-- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX -- XXXX Borrower : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX CA XXXX -- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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:
I ordered my credit report and found several items that were not authorized by me and asked Experian to remove. I sent 2 letters and both came back saying I was not the person I said I was. I sent in verification ( driver 's license, SSN, bank statement ) that Experian continue to not look into my complaint. 

Below are the items I would like Experian to remove from my credit file. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXXXXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXXXXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed

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