vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Hospital and car loan is reporting on my credit report without my permission and I have ask for them to remove but the done keep it on my credit report and its against the law to report any thing without my premision

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There was XXXX inquiries on my report that I didn't authorize to run my credit

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 2023-03-08 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: NJ

Complaint narrative:
See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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:
15 USC 1681 Section 602 A : 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 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 2023-03-08 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:
15 USC 1681 Section 602 A : 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
I believe Ascend Loans and XXXX are using misleading loan offers to unwittingly ensnare customers into predatory loans

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 2023-03-08 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 according with the Fair Credit Report Add this creditors reporting late payment on my credit report have violated my right under 15 U.S.C.-1681 section 602- say I have the right to privacy 15 U.S.C. -1681-6048-section 2- confirm a consumer reporting agency can NOT furnished on account without my writing instruction. Under 15 U.S.C. 1666 B. creditor my not treat a payment on a credit card account under an open a consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: TX

Complaint narrative:
XX/XX/XXXX I sent out the first complaint and Experian did not remove the inaccuracies 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 2023-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
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 instruction.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL

Complaint narrative:
My daughter, XXXX XXXX, and I were in an annual contract with XXXX XXXX for XXXX XXXX XXXX XXXX, in XXXX, NC XXXX for the year of XXXX. Once the annual contract was over, the apartment was released back to XXXX XXXX on XX/XX/XXXX fully cleaned except for a large bed frame that I was unable to remove due to me being XXXX. I traveled to North Carolina from Alabama and spent 15 hours cleaning the apartment and made a video of the final view of the apartment before I left and placed the key under the rug at the front entrance of the office as was requested by XXXX XXXX. 

XXXX XXXX then sent a ledger stating that there were charges to the apartment including the damaged front door from an emergency fire event in XX/XX/XXXX, the large bed and frame that was left there ( which I did advise them of ), the loss of my security deposit, and their decision to replace the ENTIRE carpet in the apartment based on recommendation advice they received from the maintenance department that the carpet was not 'salvageable '. In addition to the video I made, I have proof that the payment for the door to be replaced was paid for by the XXXX of XXXX. In the video that I took, there is further proof that the carpet was intact. 

During the season of COVID 19, my daughter lost her job but was able to get financial assistance from XXXX XXXX for the month of XXXX through XX/XX/XXXX in the amounts of {$4400.00} and {$3600.00} which was paid to XXXX XXXX via check and also one direct deposit for the latter amount. Although attempts were made since XXXX to dispute the final ledgers, both my daughter and I received a collection notice in the mail from FCO ( Fair Collections & Outsourcing ) for a total amount due of {$6400.00} which is incorrect and fraudulent. 

In an attempt to have these fraudulent charges removed from our 3 credit reports, we contacted XXXX many times since XXXX to send proof of payment ; we finally received the proofs of payments on XX/XX/XXXX. Although I sent an email to FCO the following day and attached the proof of payments from XXXX, FCO sent me an email today, XX/XX/XXXX ( upon my request of an update ), that states that we still owe the debt. Again, this is invalid and fraudulent, so we are adding FCO to our lawsuit against XXXX XXXX in that this issue has caused both of us to lose out on credit opportunities for more than 1.5 years, emotional and financial damage, driving expenses, our security deposit, false reporting to the credit agencies and undue stress.

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 2023-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: SC

Complaint narrative:
on XX/XX/23 Credit Control LLC received my request for disclosures that Federal Law states that i suppose to have gotten while Im a customer with their company. And I gave them 14 days to resolve this matter and they haven't responded back to me At no time did I ever receive any of the required disclosures from them at the beginning nor while i m customer and they are currently reporting to all the credit reporting agencies. And the FCRA 15 U.S. Code 680215 U.S. Code 6802 - Obligations with respect to disclosures of personal information- which is very clear on what 'Im entitled to..see below In addition - I never gave them permissible purpose to have access to any of my consumer reports pursuant to FCRA 15 U.S. Code 1681b - Permissible purposes of consumer reports Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option

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 2023-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HANCOCK WHITNEY BANK
State: AL

Complaint narrative:
On XX/XX/2023, I contacted Hancock Whitney Bank regarding my title for my vehicle. I hadn't received the title and it has been close to 2 months since the payoff. After contacting them, I was told there was a balance owed of {$5.00}. I told the lady I hadn't received a bill for this amount. She stated that a bill hadn't been sent since XXXX. I was unaware the bill hadn't been paid off. My credit history is excellent. I then contacted my daughter, who is a banker. She told me to call them back while she was on the phone because 30 days past due could be showing on my and my husband 's credit report. I called back with my daughter on the phone. She only mentioned that a negative mark could hit my credit. The rep then said it would violate privacy and I needed to go through a series of questions. I failed the series of questions and am totally unaware of some of the phone numbers they were mentioning. We called again and still the same process and I failed again. I do not feel it's fair that my credit be negatively impacted because I never received a bill after the bill I thought should have paid off the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX I've never made a late payment XXXX This isn't my account XXXX XXXX I've never had a charge-off with them. They said the credit bureau have to fix it. Transunion have yet to fix it. 

XXXX XXXX This isn't my account As far as the inquiries, they are not authorized which is a fraudulent act. Please delete! 

I reported these accounts as Fraud through the FTC. 
My rights under the Fair Credit Act were violated. I have the right to sue.

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 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc.
State: DC

Complaint narrative:
The following ongoing issues remain with my Dovenmuehle account : -their response to my last CFPB complaint is intentionally confusing and hard to follow. My attorney had a difficult time understanding their line of thought. 

-their response to my last CFPB complaint states that I can send updated information about my homestead tax deduction and tax lines to XXXX. This is a fake/defunct email address ( see attachment ). 

-the balance they are reporting to the credit bureaus does not match any documentation that has been provided to me ( {$4900.00} ) ( see attachment ). 

-they agreed in writing on XX/XX/23 to cease credit reporting until the issue with my tax lines is solved ( see attachment ). However, they reported the above balance on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: NJ

Complaint narrative:
THERE ARE ERRORS IN MY REPORT. XXXX XXXX XXXX0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$1300.00} XX/XX/XXXX. XXXX XXXX XXXX {$630.00} XXXXXXXX XXXX XXXX {$35000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX$700.00} XX/XX/XXXX. XXXX XXXX XXXX {$890.00} XX/XX/XXXX. XXXX. XXXX XXXX {$930.00} XX/XX/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 2023-03-08 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: NJ

Complaint narrative:
THERE ARE ERRORS IN MY REPORT. XXXX XXXX XXXX290.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX$1300.00} XX/XX/XXXX. XXXX XXXX XXXX {$630.00} XXXXXXXX XXXX XXXXXXXX {$35000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX$700.00} XX/XX/XXXX. XXXX XXXX XXXX {$890.00} XX/XX/XXXX. XXXX. XXXX XXXX {$930.00} XX/XX/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 2023-03-08 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: SC

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING. I HAVE SUPPORTING DOCUMENTS SUCH AS FTC, DL, SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I submitted a PSLF form on XX/XX/XXXX. On XX/XX/XXXX I was notified by MOHELA of an error in my employer 's signature and was asked to resubmit. I submitted the correct signature required that same day, XX/XX/XXXX. 

On XX/XX/XXXX, I called MOHELA to confirm that the XX/XX/XXXX signature was sufficient for processing. The rep confirmed that the signed form submitted on XX/XX/XXXX was acceptable. To be safe, I submitted another PSLF on XX/XX/XXXX with a note that it was a correction to the original form submitted XX/XX/XXXX. 

On XX/XX/XXXX, I called again to confirm that the form submitted on XX/XX/XXXX was admissible and to see if there was any way to expedite the arbitrary and egregious 90 day processing time. At this time, the rep I spoke with informed me that the XX/XX/XXXX form was incomplete and therefore not acceptable. I told him that the rep I spoke with on XX/XX/XXXX confirmed that it was, and I requested to speak with a supervisor to make sure. 

MOHELA reps do not have consistent information and the company itself shows blatant disregard for student loan borrowers. There is no incentive for them to process PSLF applications in a timely manner since they are compensated for servicing the millions of dollars in loan balances that they hold. 

With electronic forms and technological advancements there is no reason why it should take at least 90 business days to process a form. I'm requesting assistance from the CFPB because this process is intentionally cumbersome to the consumer and limits the borrower 's ability to seek jobs outside of the non-profit sector and earn competitive wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
My identity was stolen and used for fraudulent accounts. XXXX XXXX XXXX Account number XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX Balance {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX Balance {$4700.00} FTC Report Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: MS

Complaint narrative:
XXXX I've never made a late payment XXXX  This isn't my account XXXX XXXX I've never had a charge-off with them. They said the credit bureau have to fix it. XXXX have yet to fix it. 

XXXX XXXX This isn't my account As far as the inquiries, they are not authorized which is a fraudulent act. Please delete! 

I reported these accounts as Fraud through the FTC. 
My rights under the Fair Credit Act were violated. I have the right to sue.

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 2023-03-08 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:
In accordance to the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. Account name XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXX Account number XXXX Date opened XXXX, XXXX, Account name XXXX Account number XXXX XXXX opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX. 
The above accounts have violated my rights. 15 U.S.C Section 602A states, I have the right to privacy 15 U.S.C Section 604A Section 2 : States, a consumer reporting agency can not furnish an 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 1681s-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 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have provided the company with copy of Email sent from the company showing the amount tht was due was paid in full. The company is still trying to collect payment. the company have placed the balance on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation