vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative entries on my credit report that I believe are in violation of the Fair Credit Reporting Act. The following accounts have been reported as charged off, late payment or collection accounts : XXXX XXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXX XXXXXXXX collection account XXXX XXXX XXXX XXXXXXXX collection account XXXX XXXXXXXX collection account I believe that these entries are inaccurate and unfair, and I request that they be removed from my credit report immediately. I have made every effort to pay my debts on time and maintain a good credit score, but I have been faced with unexpected financial difficulties that have impacted my ability to make payments on these accounts. 

I understand that it is the responsibility of the credit reporting agencies to ensure the accuracy of the information they report, and I ask that they do so in this case. I also remind you that under the Fair Credit Reporting Act, consumers have the right to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

I respectfully request that you investigate the accuracy of the negative entries on my credit report and remove any items that are inaccurate or in violation of the law. If you find that any of the entries are indeed inaccurate or unfair, please remove them from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-02-28 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: GA

Complaint narrative:
Privacy and confidentiality under the 15 USC 1681 Account XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXl # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 an account without my written instructions. 

15 U.C.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 2023-02-28 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: GA

Complaint narrative:
Privacy and confidentiality under the 15 USC 1681 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, 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. 

15 U.C.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 explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: COMMERCE BANK
State: KS

Complaint narrative:
On XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Commerce Bank account to a fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Commerce Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Commerce Banks custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Commerce Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Commerce Bank was in compliance with its own policies and procedures ; ( v ) whether Commerce Bank owed duties to myself, what the scope of those duties was, and whether Commerce Bank did not uphold those duties ; ( vi ) whether Commerce Banks conduct was unfair ; and ( vii ) whether Commerce Bank has within its power the ability to, and should, compensate me for the harm that has befallen me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: NJ

Complaint narrative:
TO WHOM IT MAY CONCERN Unifin Reference Number : XXXX XXXX XXXX XXXX # : XXXX Original Account Number : XXXX Debt Description : XXXX XXXX Total Amount of Debt Now : {$4900.00} I spoke with your agent on phone and we both agreed for a {$300.00} payment for 12 months totaling to {$3600.00} to offset the above debt. I gave them my card details and expected it to start on schedule on XX/XX/XXXX as agreed. 

To my dismay, no payment has been taken out even after I called back to confirm start of payments. Check your voice recordings from my then number XXXX XXXX XXXX. 

I keep getting the same letter in my email telling me to take advantage of the discounted offer! Which I did the second week of XX/XX/XXXX. 

Could you let me know when you intend to start deducting money monthly as agreed? Could you also send me a letter of confirmation that the {$3600.00} amount is in full payment of the debt owed for {$4900.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TN

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The List of accounts below has violated privacy and confidentiality under 15 USC1681. 

XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persons 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 explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/2023 a payment was made via Zelle at XXXX XXXXXXXX XXXX. The payment was for {$470.00} but was sent to a number with a XXXX digit error. That error allowed the money to be sent to a person that was not shown when I submitted the payment, the payment showed the correct person. I have all the information for that person and I told the dispute team of that information. Yet they reversed the charges ( {$470.00} ) initially but after an alleged investigation they have now denied that reversal and taken the funds from my account. I have screen shots of the woman who received the money, her XXXX, XXXX, XXXX, and I know where she works. I have her phone number ( obviously ) and left her a message, as well as sending messages via text, email, XXXX. 

From what I read this error in a phone number should be covered by regulation E. Yet I doubt seriously any real investigation took place since zelle can just say it was my mistake and not invest any serious time or money into the matter. And I am out the money XXXX woman who should not been allowed to receive it since it didn't match the woman 's name that the payment was intended for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
In XXXX we were offered a Disaster Forbearance Plan for XXXX to XXXX, since we were in the issue areas for the hurricane. When we reached out in XXXX to end the Forbearance and take the Deferment option, we were then notified that the original person who set up the Forbearance gave us false information. The Deferment option was never even an option based on our lender. We would have never taken forbearance with the other options listed on the letter we received on XXXX XXXX. I have spent countless days back and forth on the phone with them expressing that we were lied to and basically given the " too bad so sad, we sent a letter ''. We currently have an interest rate of 2.75 %. Initially we were told that we could make a repayment plan of {$3000.00} per month for 3 months. Then when we called back in XXXX to set up the repayment plan and resume our payments, they told us we were already set into a Modification. Why would I modify my loan to end up with a higher interest rate? Every call we have made, you will hear us saying Modification is not and would not be an option for us. We spoke to a supervisor named XXXX, who talked in circles and basically explaining thats our only option. My wife said we would call back and let them know which option we were taking. When we did, we said we would take the repayment plan, but NOW they have added XXXX into the forbearance so it will be 3 payments of $ XXXX. We were transfered to XXXX XXXX on XX/XX/XXXX, and after she went over our finances she explained that we wouldn't qualify for any other payment option after taking some information from me. I am a 100 % Totally Unemployable XXXX Veteran. After almost a 2 hour phone call, XXXX notified us that I was eligible to be placed back on Forbearance, and we could use that time to pay down like we had initially asked. ( I asked over and over again to at least make XXXX 's payment and was told we couldn't do that ). Yesterday afternoon we received a letter from Pennymac explaining that we may now begin receiving foreclosure notices if we don't bring the mortgage current soon. I signed on to my online account, and found a notice that says we requested to end the forbearance on XX/XX/XXXX. This is now multiple times they are making decisions for us without our approval or even knowledge.They keep posting as " Completed Covid Forbearance Plan '' but we never took a forbearance for Covid. We accepted the forbearance to get caught up from unexpected hurricane prep and post costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXt Account 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 an account without my written instructions. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: NV

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

15 U.S.C 1681 section 602 A. States I ha

ve 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. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Supporting Documents of Identification with Supporting Evidence to Support my claims for correction neglected by Experian and XXXX in Badfaith as reckless neglect.

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 2023-02-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several charge off accounts on my credit report, including the Child Support Enforcement XXXX account, XXXX XXXX XXXXXXXX XXXX account, XXXX XXXX XXXX XXXX account, XXXX XXXXXXXX XXXX account, and XXXX  XXXX account. 

As you can imagine, seeing these derogatory marks on my credit report has been emotionally distressing. I have been struggling financially and have been working hard to improve my credit score, but these charge offs are hindering my progress. 

I would like to dispute these accounts and request that they be removed from my credit report. I understand that I have a legal obligation to pay my debts, but circumstances beyond my control have made it difficult for me to make timely payments. 

I kindly request that you provide me with any documentation or information regarding these accounts, including the original creditor and the date of the last payment made. Additionally, I ask that you investigate these accounts and remove any inaccurate or outdated information from my credit report. 

Thank you for your time and attention to this matter. I hope that we can work together to resolve these issues and improve my credit standing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative entries on my credit report that I believe are in violation of the Fair Credit Reporting Act. The following accounts have been reported as charged off, late payment or collection accounts : XXXX XXXX charge off account XXXX XXXXXXXX XXXX off account XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX charge off account XXXX  XXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXX  XXXX collection account XXXX XXXXXXXX XXXX XXXXXXXX collection account XXXX XXXXXXXX collection account I believe that these entries are inaccurate and unfair, and I request that they be removed from my credit report immediately. I have made every effort to pay my debts on time and maintain a good credit score, but I have been faced with unexpected financial difficulties that have impacted my ability to make payments on these accounts. 

I understand that it is the responsibility of the credit reporting agencies to ensure the accuracy of the information they report, and I ask that they do so in this case. I also remind you that under the Fair Credit Reporting Act, consumers have the right to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

I respectfully request that you investigate the accuracy of the negative entries on my credit report and remove any items that are inaccurate or in violation of the law. If you find that any of the entries are indeed inaccurate or unfair, please remove them from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: LEXISNEXIS
State: GA

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.

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. 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.

I applied for two apartments and was denied for both because of the incorrect information that was given to the screening companies. They were given that the information that I had multiple evictions which aren't true!!! I'm still in the apartment that they are claiming that I had the evictions from. This has costed me money and has caused great stress and now I because my lease is ending I will have to live in a hotel to sort things out.

Company response to consumer: Closed with explanation