vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I disputed a bankruptcy on my consumer report, and the consumer reporting agency claimed it was through a third-party vendor XXXX. That information was false. My XX/XX/XXXXXXXX consumer report has a freeze, and the information on the report is also in dispute. I have a recorded conversation with an agent from XXXX XXXX confirming they did not verify the alleged bankruptcy with any consumer reporting agency because my account has a freeze, and the alleged bankruptcy is in dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a XXXX XXXX of XXXX XXXX XX/XX/2022, Applied for Capital One Venture X credit card. But my application was denied. It says that Capital One made the decision on the basis of XXXX. I contact XXXX and they says that their data inputs were favorable. Next day, I applied for XXXX XXXX XXXX credit card and they accepted my application. It seems that Capital One is not very transparent in terms of application processing. Attaching denial letter from Capital One, Email with Experian and acceptance letter from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: AZ

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Reporting Credit Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 A. States I have a 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 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 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I disputed a bankruptcy on my consumer report, and the consumer reporting agency claimed it was through a third-party vendor XXXX. That information was false. My XXXX  XXXX consumer report has a freeze, and the information on the report is also in dispute. I have a recorded conversation with an agent from XXXX XXXX confirming they did not verify the alleged bankruptcy with any consumer reporting agency because my account has a freeze, and the alleged bankruptcy is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I disputed a bankruptcy on my consumer report, and the consumer reporting agency claimed it was through a third-party vendor XXXX. That information was false. My XXXX XXXX consumer report has a freeze, and the information on the report is also in dispute. I have a recorded conversation with an agent from XXXX XXXX confirming they did not verify the alleged bankruptcy with any consumer reporting agency because my account has a freeze, and the alleged bankruptcy is in dispute. I disputed the alleged bankruptcy again and they claim the alleged bankruptcy was verified through LCI. This is inaccurate 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 2022-11-14 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: AZ

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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: AZ

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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: NC

Complaint narrative:
On my personal information page of the Experian credit report it I am listed as HAVING " XXXXXXXX XXXX XXXX XXXX' 1 ) THIS IS INACCURATE 2 ) IT WOULD NOT BE LEGAL ANYWAY TO DISCLOSE.

I have tried to upload a screenshot but the website is not allowing me. If you ask me I can email it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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:
In accordance with the Fair Credit Reporting Act 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 Statesa consumer reporting agency can not furnish a account without my written agreement or instructions. thank you much for reviewing this matter. 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 2022-11-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 Statesa consumer reporting agency can not furnish a account without my written agreement or instructions. thank you much for reviewing this matter. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
I had to go into a forebearance during XXXX in XXXX of XXXX, I did so on 3months of my mortgage payments. I was then offered a partial claim with a loan modification to get my loan up to date. This process started in XX/XX/XXXX. At this time my new mortgage payment was to be {$940.00}, my original payment was {$1000.00}. I spoke at length with a XXXX, initials XXXX regarding all of my new terms and why my mortgage was a new lower monthly payment. XXXX informed me that when they went to do my partial claim they realized I was also eligible for a modification with a new rate of XXXX bringing my new mortgage payment to the {$940.00}. I then signed my packet, had it notarized and sent it in. I then received the partial claim papers with terms but the modification portion was not upheld. I called and spoke with XXXX who assured me the new lower payment was in fact what I should be paying and that she would investigate this error. Many months and many hours trying to get an answer and this issue rectified and I am still waiting on this explanation. I then got a hold of a XXXX, XXXX XXXX and we spoke hours and shared many emails. XXXX informed me she was escalating this issue and would let me know. It has been over a year at this point and my emails to XXXX have now gone unanswered. I am beyond frustrated and I am seeking not only an answer but I want my modification to be upheld, as I have the letter and signed documents agreeing to the new payment amount. It seems to me that once my partial claim was paid out, Cross Country Mortgage cares less about my modification terms. I have diligently tried to get at least an explanation, XXXX and XXXX have never bothered to supply me with one and have not returned an email since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: The Law Offices of Barry J. Gammons, PLLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TN XXXX TELEPHONE : XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XXXX On, XXXX XX/XX/XXXX, I applied for and received a " Pay Day Loan '', in the amount of $ XXXX, at an interest rate of 279.50 %. Due to my exhausted income, compounded with the birth/care of a newborn, I began to default on agreed upon, monthly payments. My account was transferred to collections, where again, I began to default on payments, due to adjustments both with my income and increased monthly expenses. 

On, XXXX XX/XX/XXXX, I was served a " civil warrant '', brought by XXXX XXXX XXXX XXXX XXXX, properly noticing me to appear in Court, in XXXX, TN, on XXXX XX/XX/XXXX, at XXXX ( c.s.t. ), in lieu of a suit being filed against me, for the amount of $ XXXX. 

On, XXXX XX/XX/XXXX, I received an Agreed Order of Judgement, from the Law Offices of XXXX XXXX XXXX, per our previous phone conversation, whereas I agreed to monthly payments of $ XXXX, with the first payment to commence on, XXXX XX/XX/XXXX, at a per annum XXXX of 6.9 %. On, XXXX XX/XX/XXXX, to avoid any further, potential penalties, I signed, dated, and via email forwarded the document to XXXX XXXX office. 

XXXX, I have consented to XXXX of XXXX, it was out of fear of further proceedings being taken against. Had I known about " predatory lending practices '', I would have never sought that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Was sent a letter from MIDLAND CREDIT MANAGEMENT stating that I owed an Alleged amount of {$260.00} with XXXX XXXX XXXX 
This debt is not mine and is fraudulent in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am a XXXX yo XXXX woman XXXX XXXX XXXX who is CONFIRMED successor- in-interest with a completed Family Loan Transfer package who has successfully completed a Trial Loan Modification in XXXX of 2022. My family has lived in this home for XXXX YEARS. 

I continued making payments while waiting for what I thought was an official trust deed from PHH Mortgage Services. 

To my utter dismay my XX/XX/2022 payment was returned and the permanent Loan Mod was denied for a technical error in my paperwork! 

XXXX claims they could not read XXXX of my documents and that my homeowners policy was expired. However I have had the same policy with XXXX in my name for 5 years and all they needed to do was look in the file. It was current. 

So the Ombudsman XXXX XXXX told me she wishes she could reverse the decision but she could not - ( which is ridiculous- what good is an Ombudsman who has no power to correct wrongdoing? ) and to REAPPLY for another Loan Mod which I did in XX/XX/2022. 

Which i have been informed has just been denied as of XX/XX/2022! 

So now for the supposed lack of XXXX pieces of paper which were actually sent XXXX Mortgage is committed to stealing my familys home of 55 years and stealing our generational wealth. 

XXXX Mortgage a services employees are drones who have no soul.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On or about XX/XX/2022. 
I Purchased a a/c system for my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 
I unknowingly signed contract that included items that were not compatible with my new a/c system per bad recommendation of " XXXX '' seller from XXXX XXXX XXXX XXXXXXXX XXXX XXXX among with the new a/c system. 
So, based on that bad experience I cancelled all the other additional items that I purchased, leaving only the new A/C system ( it was already installed ) So, for the payment " XXXX '' had me signed a loan of {$20000.00} that would be paid XXXX payments of {$330.00}. 
BUT, since XXXX XXXX sold me the wrong product and I cancelled the other items, the price of my debt went down to {$14000.00}. 
I contacted both parties to redo a new contract with the ONLY item that I actually received, but XXXX XXXXXXXX XXXX XXXX  said that they will credit the money to my account. I told them no, because the monthly payments will be bigger, thinking that it was the only issue, so, I submitted a claim with Ally, and both parties agreed to keep the same account. 
I received an email from Ally that XXXX XXXX XXXX XXXXXXXX XXXX XXXX stating their resolution. 
I emailed over 10 times asking for a document that states the Items that XXXX XXXX XXXX included in my new debt, but I only got a verbal response. 
To make matters worse Ally verbally expressed that I have still to make the 120 payments of {$330.00} and that I have a FEE of {$180.00}. Now I owe them more than the debt {$15000.00} I have made 3 payments of {$330.00} and I am also charging {$35.00} late fee because of the time that they process the payment. 
The Ally account number is XXXX Is very important to add that both companies ignore my emails and ask me to contact them over the phone and when I do they claimed to be in a meeting and never call back. 
XXXX XXXX from Ally said that he can't longer talk to me about my case that " XXXX '' will call me, but she/he had not nor respond my calls. 
His email is XXXX and from XXXX XXXX is 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 monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This is still with regard to my previous request for the company to send validation of debt ( complaint XXXX  XXXX ). XXXX  mentioned that you are sending me a document but I still haven't received anything that looks like a validation of the debt and according to FDCPA, you must provide the validation letter when requested. Please send a copy when your response to this complaint so the CFPB would know of your compliance. Thank you!

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