vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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: CA

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX : {$3500.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00} ; XXXXXXXX XXXX XXXXXXXX BalanceOwed : {$14000.00}.

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 2023-02-09 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: CA

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX BalanceOwed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXXXXXX XXXX BalanceOwed : {$3500.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX BalanceOwed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX BalanceOwed : {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: NY

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers 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 non-monetary relief
Consumer complaint received 2023-02-09 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: IN

Complaint narrative:
I have been a victim of identity theft. I have tried to resolve this issue repeatedly, and now this has been transferred to another company. XXXX Also In accordance with the Fair Credit Reporting act XXXX Account XXXX/Transunion/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. 
I am not nor giving permission to furnish these fraudulent accounts.

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 2023-02-09 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: IN

Complaint narrative:
I have been a victim of identity theft. I have tried to resolve this issue repeatedly, and now this has been transferred to another company. XXXX Also In accordance with the Fair Credit Reporting act XXXX Account Experian/XXXX XXXXXXXX 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.

I am not nor giving permission to furnish these fraudulent accounts.

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 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
In XXXX I contacted Rocket Mortgage because I suffered from a hardship because of covid. Rocket Mortgage offered me a Federally Funded Forbearance for three months and then for an additional 3 months. I needed the Forbearance because I had lost my job due to covid. I didn't want to loose my house. They sent me a letter saying that the deferred payments would be added to the end of the existing mortgage - that the mortgage would be modified by extending the term of the original mortgage so the deferred XXXX payments would be made at the end of the mortgage term. 

In XXXX of XXXX, Rocket Mortgage refused to Modify my mortgage, and is now demanded the XXXX deferred payments be made in one lump sum, otherwise they will foreclose on my house. I used the deferment during a national emergency, and if I knew that my home would be at risk for foreclosure, I would not have opted for the forbearance. It seems this is a targeted attempt to purposedly foreclose on my property. I have a XXXX XXXX XXXX daughter who lives with me, I have never been late on any mortgage payments, and I thought the deferral was part of a government assistance program to help people during covid. Now I am at risk of loosing my home. Rocket Mortgage will not accept any partial payments, will not accept my usual monthly mortgage payment, and is doing this to expedite the foreclosure process. They claim I owe {$19000.00} and my home is worth significantly more and I am at risk of loosing my entire lifes savings, because of this deceptive unethical business practice, that I thought was part of a federal program.I need help, they have reported the deferred payments as late to the credit bureaus. Eliminating any chance of me and my daughter ever being able to purchase another home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: SinglePoint GI
State: IL

Complaint narrative:
15 usc 1681g disclosure to consumer I was not informed of any activity. And my credit profile is freezed.

15 usc 1681 ( a ) ( 4 ) General revenue corp accounts that reporting false and misleading Information.

XXXX XXXX XXXX  accounts that reporting false and misleading Information.

They never properly verified account.

Contract caller Inc. 
accounts that reporting false and misleading Information XXXX XXXX XXXX accounts that reporting false and misleading Information. 

XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
La Curacao LLC Fail to update their internal file and keep this balance on my account., account that was included on a XXXX XXXX back on XXXX, Just recently in XX/XX/XXXX I tried to open a new account just to find out that this balance dating back to XXXX with this amount pending the sales send me to their collections department. A Department who doesn't respect or ignore any rights consumers have according to the FCRA and the CFPB., After some back in fort. And an Overheated conversation with someone.in collection department XXXX XXXX with Phone Number XXXX who said is the Person in Charge of Reporting and Finally XXXX Agreed to Remove such balance only after this action I was able to apply for A New Credit Line in La Curacao just to find out that I Got Discriminated Base on Their Experienced with this Account. that they Failed to Update based on the Bankruptcy Previous Filed., Adding to., or justified. my Complaint of Discrimination my XXXX, XXXX, & XXXX XXXX, & XXXX scores at the time of my Credit Application got Acceptable Scores and Yes, La Curacao LLC Decided to Use the Lowest of my Score not the Actual Combined Score That another. Creditor with No Intention on Discrimination will use. I Just Want to Add that LA Curacao XXXX is Been subject. to Legal Lawsuits at the present Time and the Past Lawsuits Not Limited to Discrimination and Consumer Abused that the Ca Controller is Fully Aware of their Illegal Proceedings La Curacao LLC Does Not Deserve to Stay On business Since they only Due Harm to the Business Community Please Help Us CFPB with La Curacao LLC and Stop Them once and for all Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TX

Complaint narrative:
FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violation : auto loan not mine XXXX XXXX {$200.00} FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : other loan not mine XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$850.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FCRA Violation : collections not mine XXXX {$690.00} XXXX {$960.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1300.00} ENHANCED XXXX XXXX {$430.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX  {$820.00} XXXX XXXX LA {$64.00} XXXX XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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:
FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violation : auto loan not mine XXXX XXXX {$200.00} FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other loan not mine XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXXXXXX {$850.00} XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX {$690.00} XXXX {$960.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1300.00} XXXX XXXXXXXX XXXX {$430.00} XXXX XXXX XXXX {$3400.00} 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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
When I discovered that my debit card ending in XXXX was being used for unauthorized purchases, I called Citibank to have the card cancelled. When I requested a new card on XXXX, I was told that the card would arrive within 1-2 business days. when I realized that I would not be home due to the unsafe situations happening there I canceled that card on XXXX.they again told me 1-2 business days and I specifically in front of a witness told them to send it to a different address in XXXX instead of having it go to my old address in the XXXX. Unbeknownst to me the new card ending in XXXX arrived at the address in the XXXX and was used to charge over XXXX dollars unauthorized while I was in the XXXX XXXX area of XXXX state. I did not find this out until I went to a physical branch in XXXX on XXXX.they provided me a printout and I disputed the charges that same day. I told them where to send the replacement card again and updated the mailing address at the branch. they told me this time it would be 7-10 business days not 1-2 like before. My phone had to be changed also because of the unsafe situations mentioned above. when i try to login now I cant because the phone number doesn't match and they are refusing to change the number that's in my account so I can access my money and send it elsewhere before it risks getting stolen again. The temporary card they gave me does not have a cvv number which renders it useless for certain services such as transferring money. I am now homeless and i do not have access to money that I received from XXXX benefits because this company will not let me access my money and there are no branches of Citibank whatsoever in my area.

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 2023-02-10 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: CA

Complaint narrative:
It is TRANSUNIONs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2022 and a 30 day late payment posted in XX/XX/2022. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: IN

Complaint narrative:
Rec 'd an alert from XXXX advising that my credit score decreased by XXXX points. Referenced my report and found an account that was sent to collections by XXXX XXXX XXXX for a service that I did not incur. This fraudulent account was apparently set up in XXXX of 2022 by someone who stole my identity. This same thing transpired in XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several accounts on my credit report that they are reporting as delinquent when they are no longer delinquent and haven't been for many years which is causing my score to be lower. They are having inaccurate information for the status of the accounts are there are no current accounts are are reporting late or anything. The 3 credit companies need to update my report to show accurate information that no account is currently delinquent or behind on payments. Below are not true or accurate at all. They are in violation of federal law and are refusing to help me. 


XXXX - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN XXXX - TOO MANY INQUIRIES LAST 12 MONTHS XXXXXXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX SCORE : XXXX XXXX - SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED XXXX - NUMBER OF ACCOUNTS WITH DELINQUENCY XXXX - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS XXXX - TOO MANY INQUIRIES LAST 12 MONTHS FA - INQUIRIES IMPACTED THE XXXX XXXX EXPERIAN/FAIR, XXXX XXXX XXXX. XXXX ) - XXXX XXXX XXXX - XXXX SCORE : XXXX XXXX - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED XXXX - NUMBER OF ACCOUNTS WITH DELINQUENCY XXXX - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

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 2023-02-10 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: TN

Complaint narrative:
According to 15 U.SC 1681 and I recently obtained a copy of my credit report and it shows I was overcharged I paid XXXX but my balance was only XXXX XXXX XXXX bank account number XXXX over charged me {$1.00}. Also when I pay my final bill it did not state or charged off as it's showing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX HAS A CHARGE ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME, THIS IS FRAUDULENT AND I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT AND ALL CREDIT BUREAUS THAT MAY BE REPORTING THIS ACCOUNT. 

IN ACCORDANCE WITH THE FAIR CREDIT ACT 15 U.S C. 1681 AND DEBT COLLECTION PRACTICES ACT 15 1692 XXXX & XXXX BANK HAS VIOLATED MY RIGHTS. 

I HAVE A RIGHT TO PRIVACY 15 U.S.C. SECTION 604 A SECTION 2 CONSUMER REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY CONSENT AND 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 2023-02-10 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: Nelnet, Inc.
State: NV

Complaint narrative:
I received a letter from the Department of Education on XX/XX/2022 stating that the department is discharging my loans without requiring me to file an application because of the persuasive and widespread nature of school 's behavior and under borrower dese regulations ( 34 C.F.R. 685.206 and/or 685.222 ). Nel Net has been inaccurately reporting student loans balances to the 3 credit bureaus ' ( XXXX, XXXX XXXXXXXX XXXX XXXX XXXX frequently. I contacted Nel Net by email and phone call on XX/XX/2022, XX/XX/2022 and XX/XX/2022. The student loans with Nel Net XXXX for XXXX XXXX XXXX XXXX XXXX student loans were discharged based on a letter from the U.S. Department of Education on XX/XX/2022 stating that the Department is discharging my loans without requiring I file an application because of the per. 685.206 and / or 685.222 ). I contacted Nel Net verbally and they explained that it is discharged and they will remove it from the 3 credit agencies. I sent copies of this letter to the email address for Nel net ( XXXX ). I received no responses by email, but it was conformed during phone call with Nel Net that they received my letter each time. I have tried to dispute and Net Net still keeps reporting inaccurate balances effecting my credit information to all 3 credit agencies. I will attach letter with emails. I am requesting that both item on my 3 credit reports be reported according to federal laws in regards to accurate information. I owe no balance with Net Nel and I have no negative history. I am requesting that this be removed from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I could not pay loans during XXXX XXXX pandemic and company would not offer a extended payment plan

Company response to consumer: Closed with explanation