vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX was reporting information to XXXX, Equifax and XXXX ; who were then reporting false and inaccurate information on my credit report. XXXX was reporting that I had a balance of over {$150000.00} for a used XXXX XXXX XXXX. I have already invested over {$15000.00} into the vehicle with a remaining balance of around {$11000.00} and them reporting that I owe over {$150000.00} has hurt my ability to get other credit lines because of the debt to income ratio. I have tried through the CFPB, also through calls to the company with no avail until last week when I filed a complaint with the attorney general, comptroller and left a review with the XXXX Then when I called XXXX back and told them about my complaints I was forwarded to the correct department finally XXXX XXXX XXXX XXXX XXXX  who esculated my call and since then XXXX has corrected the information on my report. However, today I received a response through the CFPB from XXXX still stating that the infomation is verified through XXXX which is a lie. Misinformation is false or inaccurate informationgetting the facts wrong. Disinformation is false information which is deliberately intended to misleadintentionally misstating the facts. According to FCRA 1681n that is a willful violation on behalf of XXXX and I demand compensation. And if they have corrected the information and aren't publishing their fault on the CFPB by stating that they are sending a letter they are not being fair and are in violation of 16 CFR 433.2 and they are committing language fraud violating 17 CFR 424. I've attached my credit reports from all 3 credit bereaus proving the reporting of wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX was reporting information to Experian, XXXX and XXXX ; who were then reporting false and inaccurate information on my credit report. XXXX was reporting that I had a balance of over {$150000.00} for a used XXXX XXXXXXXX XXXX. I have already invested over {$15000.00} into the vehicle with a remaining balance of around {$11000.00} and them reporting that I owe over {$150000.00} has hurt my ability to get other credit lines because of the debt to income ratio. I have tried through the CFPB, also through calls to the company with no avail until last week when I filed a complaint with the attorney general, comptroller and left a review with the XXXX Then when I called XXXX back and told them about my complaints I was forwarded to the correct department finally XXXX XXXX XXXX XXXX XXXX who esculated my call and since then Experian has corrected the information on my report. However, today I received a response through the CFPB from XXXX still stating that the infomation is verified through XXXX which is a lie. Misinformation is false or inaccurate informationgetting the facts wrong. Disinformation is false information which is deliberately intended to misleadintentionally misstating the facts. According to FCRA 1681n that is a willful violation on behalf of XXXX and I demand compensation. And if they have corrected the information and aren't publishing their fault on the CFPB by stating that they are sending a letter they are not being fair and are in violation of 16 CFR 433.2 and they are committing language fraud violating 17 CFR 424. I've attached my credit reports from all 3 credit bereaus proving the reporting of wrong information.

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 2024-06-10 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Account name : [ XXXX XXXX XXXX XXXX XXXX ] has violated my richts. 
I looked at my [ TransUnion ] credit report on [ XXXX XXXX XXXX  ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( XXXX ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 2024-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems reported first date of deliquincy on collection as XX/XX/scrub>XXXX This debt is at or beyond the 7 years the debt can be reported. XXXX refuses to remove the debt or atleast correct the wrong first date of delinquency, while XXXX couldn't verify the debt, but left the account on my credit report with a {$0.00} balance and a wrong date of first delinquency. Jefferson Capital Systems has never communicated with me. They also frequently add and remove the debt when I dispute it. This is unfair for me to continually deal with wrong info being reported by Jefferson Capital Systems, and for XXXX XXXX XXXX XXXX  to continue to report wrong info on my credit report and ruining my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX, Equifax, and XXXX have all put collection accounts onto my credit report. They have reported information to third parties like safe rent and core logics prohibiting me from being able to rent properly with no evictions, judgments or criminal background. I have disputed with all three companies more than a few times. They have put unauthorized charges and inaccurate items onto my credit report and by law it is illegal to put those items onto my credit report without my consent. FRCA Section 605 B.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
XXXX, XXXX, and Experian have all put collection accounts onto my credit report. They have reported information to third parties like safe rent and core logics prohibiting me from being able to rent properly with no evictions, judgments or criminal background. I have disputed with all three companies more than a few times. They have put unauthorized charges and inaccurate items onto my credit report and by law it is illegal to put those items onto my credit report without my consent. FRCA Section 605 B.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Today XX/XX/XXXX, at XXXX pm, I issued XXXX {$1900.00} transfer to my wallet at another location. 
Then my transfer was shown to be delayed for 3 days till XX/XX/XXXX, for security concern unless I verify my identity. So I identified myself by : - entering screenshot of my driver license - and took. Selfie of my face And I was told it was a success. 
Still it would not send my transfer Then I called a coinbase agent and spoke with her for XXXX minutes and she promised me that it will send it, but it didn't happen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/year> I opened a checking account with PNC. On XX/XX/year>, I deposited a check from XXXX XXXX  for {$21000.00} from my attorney for a car settlement. I was then notified that a hold was put on the check. The check cleared several days later.They informed me that they are closing my account and that they will send me a cashier 's check. They are still investigating my account and have put a hold on it. They can not tell me any information as to when the hold will be removed so that I can get the check. I am a single mom and need the money to support myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Collection account below was paid with deletion upon payment. This was on a recorded line. This would be a violation of my rights. See attached paid email receipt. 

Account number : 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 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: NC

Complaint narrative:
On XX/XX/2024 I ordered from XXXX. I wanted an estimated XXXX months for my order. After not receiving it, I contacted XXXX customer support. They stated they could not help me. I then escalated it to my bank and disputed the transaction. I received a provisional credit. Later they denied the dispute and took the money from my bank. I contacted my bank for an appeal 2 times after that and was denied both times. I requested proof on why I was denied and I was met with nothing. I then contacted the shipping company, XXXX. XXXX approved that it is a lost package and gave me a case number stating it is lost and was not received. I then contacted my bank and gave them the case number. I was denied again even with the case number. They will not tell me why I was denied. They will not approve my dispute even though I have a case number proving I do not have the package.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

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  Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
In accordance with fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 15 USC 1681 section 602a. Starts I have the right to privacy. 
15 USC 1681 section 604 a. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681c. ( A ) ( 5 ) section states : no consumer reporting agency May 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 antedated the report by more than seven years.

15 USC 1681a-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 what would be a fair resolution to this issue

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 2024-06-10 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
In accordance with fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 15 USC 1681 section 602a. Starts I have the right to privacy. 
15 USC 1681 section 604 a. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) section states : no consumer reporting agency May 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 antedated the report by more than seven years.

15 USC 1681a-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 what would be a fair resolution to this issue

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 2024-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: SC

Complaint narrative:
In XXXX I was released of ALL my student loans under the public service act according to XXXX. I have a letter stating ALL my loans were satisfied and I owe nothing. In XXXX when my husband died EdFinancial started coming after me for {$9000.00}. I called them and wrote them letters stating all my loans were forgiven in XXXX. They said if I found the letter releasing me of the loans they would leave me alone. I had a fire so it took a couple of months to locate the letter but I did find it finally. They NOW say my loans werent eligible for this forgiveness which is a lie. They are harassing me via email and several letters. They are threatening my credit. They claim I made a {$160.00} pymt which I HAVE NOT! They are stressing me out! I am on a fixed retirement income and can not pay a loan I dont owe! They are getting meaner and more threatening. PLEASE help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting 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. 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 informationisinaccurate.

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 2024-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: MA

Complaint narrative:
Our loan was sold XX/XX/year> since then our new company has harassing us calling and sending statements stating we are late. I have the mortgage set up with XXXX to pay on the first of every month but it takes at least 11 days for the payment to be pulled from our bank. It shows every month that it has been processed on the same day that it was set up to pay XX/XX/year> and today we received a statement treating us to pay. They told me last time that I would have to call them every month that our loan has been paid I told that is not going to happen. This ridiculous I called again today and XXXX the representative answered just spoke over me and said it is my bank that is true I have called them and they said it is the mortgage company. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pacific Retrieval LLC
State: OR

Complaint narrative:
I was contacted by Pacific Retrieval in XXXX California. I returned the call since I missed the initial call. I was speaking to an individual named XXXX XXXX. He was nice at first but then started to talk down telling me IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He did threaten to take me to court. I was willing to negotiate a pay day before he came at me sideways and started treating me.

Company response to consumer: Closed with explanation