vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 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: FMS Inc.
State: ID

Complaint narrative:
collection agency : FMS INC is a fraudulent account that is reporting on my XXXX credit report. 
Collection amount : {$150.00} assigned XXXX statue date XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 an 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 2022-05-13 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: CORELOGIC INC
State: CA

Complaint narrative:
CoreLogic Credco, has violated my rights as per 12 CFR Part 1022 ( Regulation V ) 1022.22 Scope and duration of opt-out.

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 2022-05-13 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OR

Complaint narrative:
Flagstar bank changed my mortgage payment amount without my knowledge or approval and is now charging me late fees and a much higher mortgage.

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 2022-05-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was the victim of an identity theft. In reviewing my credit report, there was a hard inquiry with Equifax on XX/XX/XXXX by the XXXX XXXX XXXX I filed a dispute with Equifax late on the night of XX/XX/XXXX telling them that it was a fraudulent inquiry. Immediately afterwards, I called the XXXX XXXX XXXX they advised me that the party that ordered the inquiry was XXXX XXXX XXXX of Oregon. I then called XXXX on XX/XX/XXXX immediately afterwards and the office was closed. Several hours later, I got a communication from Equifax that their investigation was closed and that they determined that it was a legitimate request and that they would not remove it for 2 years. How could they have investigated the inquiry with XXXX XXXX XXXX if they were closed during the time that they were supposedly investigating? On XX/XX/XXXX, I called XXXX and spoke to 3 different customer services people, including the Fraud Department. According to them, they never made a credit inquiry as they had no record of it despite several people investigating. They suggested that I contact Equifax who already predetermined incorrectly that their information was accurate. There is inaccurate information on my credit report that Equifax refuses to remove even though they did an inadequate investigation of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 non-monetary relief
Consumer complaint received 2022-05-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Balance : {$10000.00}

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 2022-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
Direct violation of 15 USC 1681s-2 ( a ) ( 1 ) E ) ( ii ) Department Of ED/NELNET - {$3700.00} Department Of ED/NELNET - {$2400.00} Delete Now .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
For the first time in the 34 months that I have had this account with Capital One I missed a payment due to a loss on income. However, I was charged the missed payment fee on the same day as the due date. This is the second time this year. The first time the payment was made, it was just made after their cut-off time of XXXX ET. 

I feel this is a very unfair practice. The charge should happen on the next business day. I called and asked them to waive the fee and they refused due to the fact that they waived the fee in XXXX which they should have because the payment WAS made on the actual due date. The due date for this card is the XXXX of each month. 

Please advise why credit card companies can charge missed payment fees on the same day as the actual due date? I bet they are cleaning up with these unscrupulous fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
An inquiry was made to my consumer report on XX/XX/2022 as a result of identity theft. I did not apply for credit with TD Bank. I have attached my W2, utility bill, and identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX # 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 car furnish a account without my written instructions.

15 USC 1666B : A creditor may nay treat a payment on a credit card account under an open end consumer Credit plan as late for, and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: NC

Complaint narrative:
I mailed a debt validation letter to Nationwide Recovery on XX/XX/2022. According to USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX the letter was delivered on XX/XX/2022. As of today I have not received any validation of this debt from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: EQUIFAX, INC.
State: ID

Complaint narrative:
collection agency : XXXX XXXX is a fraudulent account that is reporting on my Equifax credit report. 
Collection amount : {$150.00} assigned date:XXXX statue date XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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:
I sent a letter off on XXXX XXXX. Here is the tracking number XXXX. I sent the letter to remove personal information that I do not want on my consumer report. According to the Fair Credit Reporting Act 12 USC 1681, I have a right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with third-party people. 


I sent a complaint to the cfpb about Experians refusal to remove the personal information that I do not want on my consumer report and this is the response I got back after they removed only 2 of the address 's requested to be removed and none of the names. 

1st Part of Experians response Please note that we store personal information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information report the address and name listings and they are a part of your credit history. If you believe an address or name in your credit report is inaccurate, you may want to contact the source of the information directly. 

According to FCRA 15 USC 1681b ( a ) ( 2 ) Permissible purposes of consumer reports In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

I the consumer did not give Experian written instructions to furnish this information on my consumer report. 

2nd part of Experians response You did not provide proof of your identity. According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. Therefore, we are declining your request to block one three addresses. If you have additional relevant information that indicates that the disputed items resulted from identity theft, please contact us again and provide this information. 

In the dispute letter, I sent on XX/XX/2022 I made sure to enclose a copy of my driver 's license as proof of Identity and my utility water bill as proof of address. It appears that Experian has lost my identifiable documents enclosed in the letter or purposely did not remove the information as retaliation for my complaint. I will attach a copy of the enclosed identifiable documents along with the letter I sent on XX/XX/XXXX. 


Experian is in clear violation 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 non-monetary relief
Consumer complaint received 2022-05-13 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: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that have the right to privacy.

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

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that have the right to privacy.

15 U.S.C 1681 Section 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 2022-05-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
An inquiry was made to my consumer report on XX/XX/2022 as a result of identity theft. I did not apply for credit with OneMain. I have attached my W2, utility bill, and identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
An inquiry was made to my consumer report on XX/XX/2021 as a result of identity theft. I did not apply for credit with Comenity Bank for a XXXX credit card. I have attached my W2, utility bill, and identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by Equifax. I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Equifax. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX  Issue : Duplicate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
An inquiry was made to my consumer report on XX/XX/2022 as a result of identity theft. I did not apply for credit with Comenity Capital for a XXXX XXXXCC. I have attached my W2, utility bill, and identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 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: NC

Complaint narrative:
On XX/XX/2022 I decided to take a look at my credit report. I noticed inaccurate reporting for XXXX XXXX XXXX I disputed this account immediately when the balance was {$520.00} and closed. The account was then updated as being OPEN and with a balance of {$520.00}. I disputed it again and the balance was updated to {$530.00} and 66 months late with XXXX and 24 months late with Transunion. XXXX saw the inaccuracies and deleted the account but XXXX and Transunion have not responded. This account is inaccurate and I have given them the chance to delete the account from my credit report. I have the right to have a 100 % accurate 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 non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Nationstar Aka Mr. Cooper failed to report my mortgage account as paid in full to the credit bureaus, the account was paid in full as of the beginning of XXXX of 2022. I worked very hard to paid this account off therefore the account should be reported in a timely matter. I attached a copy of my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
An account was opened in my name on XX/XX/XXXX with XXXX XXXX XXXX, on XX/XX/XXXX for a XXXX XXXX credit card and on XX/XX/XXXX for a XXXX XXXX  account XXXX All the accounts opened were a result of identity theft. -- -- -- -- -- -- I did not apply for credit with XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX/XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX or XXXX XX/XX/XXXX. I have attached my W2, utility bill, and identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: CA

Complaint narrative:
I have made a Fraud alert with the federal trade commission involving identity theft. The following INQUIRIES ARE FRAUDULENT, REMOVE THEM ALL IMMEDIATELY. 

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 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 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 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 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 2022-05-13 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: Professional Finance Company, Inc.
State: ID

Complaint narrative:
Collection agency reporting to my XXXX report : Professional Finance Co reported om XX/XX/2022 the amount of {$140.00} This is a fraudulent account reporting to my XXXX report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief