vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act convergent account # XXXX, my DISCOVER it chrome card account # ending in XXXX, and my XXXX  XXXX XXXX account # ending in 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 : 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 an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: CA

Complaint narrative:
My demand for settlement is linked to the damages caused by Equifax -- - i.e., denigrating my credit reputation based upon a false claim covered by theFair Credit Reporting Act 15 U.S.C. 1681et seq.holding the credit reporting companies ( CRCs ) liable for publishing false credit reports went they fail to conduct adequate due diligence. 

The false claim is based upon an unpaid loan account receivable that does not exist and a false declaration of default resulting in XXXX property foreclosures noted on my credit report and 2 bankruptcies filed to protect the interests of those properties that were wrongfully foreclosed upon. 

The slander on my credit reputation interfered with my ability to refinance or offer a refinance deal to claimants who were falsely claiming that they were owners of an underlying obligation due from me. 

This has resulted in years of ongoing litigation in which the claimants and their predecessors failed and refused to produce any evidence of the existence of the unpaid loan account receivable, any evidence of the existence of an unpaid underlying obligation due to them, and loss of quiet enjoyment of my property together with substantial personal and emotional distress damages arising from the continuing stress of dealing with false claims and false reports of default to credit agencies. 

Equifax had a duty to exercise due diligence as to the initial report because Equifax had adequate information to reject the claims. Equifax now has the additional duty to conduct an investigation to assess the claim. 

Equifax is only one of the credit reporting agencies that contributed to this situation, accepting fees and making credit reports that were false. 

My total demand is that all references to the claimed debt and any history of the debt be removed from Equifax, that Equifax notify any person who made inquiry during the period in question that the report was erroneous, and that I receive a total payment of XXXX XXXX part of which is owed by Equifax. 

Respectfully, Claimant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: FL

Complaint narrative:
XXXXXXXX XXXX  is trying to collect a debt that they can not validate as mine. They refuse to provide copies of original contract and bill outlining the alleged balance and are reporting the account as open when it is closed meaning inaccurate information to XXXX and Equifax. The credit amount owed is incorrect and has not been validated. I never signed a contract. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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:
I've contacted Equifax in writing on XX/XX/22 and XX/XX/22, pursuant to 15 USC 1681b. I have never given Equifax any written consent to have these items furnished on my consumer report. After seeing that no disputes have been opened after my last written notice. I called XX/XX/22, as a third attempt to have these items removed from my report and was told that they could not be removed until after they have done an investigation for items that shouldn't even be on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-10-26 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: RentDebt Automated Collections, LLC
State: NY

Complaint narrative:
I5 USC I681 section 602 states that You have the right to privacy ' 15 usc I681 section 604 ( a ) Subsection 2 states that A consumer reporting agency can not furnish an account without your written instruction 15 uSc I666 ( B ) A creditor may not treat a payment on a credit card account or open end consumer credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I'm being given the run around as to why my transactions are not being processed and reflecting on my account at the point of sale. I have called Navy federal credit union and is told many different stories. Please help because its causing problems with my account and all of a sudden my account is in the negative. Everyone has different stories from Customer Service, to the managers to the Branch Managers. No one is consistent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
The Violence Against Women Act, a federal law provides you certain protections. Pursuant to Virginia code Va. Code 55-225.16 ( A ), ( B ) and Maryland code MD XXXX CODE ANN., REAL PROP. 8-5A-02 through 8-5A-04, an early termination of lease for victims of XXXX XXXXXXXX must be allowed without liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I request paper work for a refinance on the first week of XX/XX/2022, I havent receive the paper work as of yet! I called twice and the company told me I will get it be XX/XX/XXXX still have not received it! I called last week and they said it was in the email I still have not receive it! They put a sale date on my house before I complaint about the successor of interest rule and they never call me to explain they just put the sale date without even offering any other solutions Please send me paper work for a loan modification

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 2022-10-26 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: FL

Complaint narrative:
XXXXXXXX XXXX is trying to collect a debt that they can not validate as mine. They refuse to provide copies of original contract and bill outlining the alleged balance and are reporting the account as open when it is closed meaning inaccurate information to XXXX and XXXX. The credit amount owed is incorrect and has not been validated. I never signed a contract. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account

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 2022-10-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is reporting as " Repossession '' when in fact it was a lease termination. They circumvent Bankruptcy laws with regards to Repossession, by setting up their contract as a " Lease with the option to purchase '', maintaining their ability to retain possession of their leased property, under the guise of the vehicle not being collateral to secure an actual loan. This being said, they do not get to ALSO incorrectly report the account as a " repossession '' in pursuit of an {$8000.00} deficiency balance, when they simply terminated the lease contract and retained their own property. Again, this was not collateral used to secure a loan and therefore not a repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: NY

Complaint narrative:
I have submitted disputes and the company has still not removed this information. I received a letter from Experian dated XX/XX/2022 and XX/XX/2022 stating that they have verified this alleged Bankruptcy with XXXX XXXX. Meanwhile I received a letter from XXXX XXXX on XX/XX/2022 stating that this Alleged Bankruptcy has been removed due to incorrect information. Therefore it is impossible for Experian to have verified this Account with XXXX XXXX if XXXX XXXX has already removed it!! Experian is now in violation of several consumer laws! I did not receive a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Also 15 USC 1681s-2 ( A ) ( 1 ) states : 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. With that being said I have only given Experian written instructions to delete this account and all accounts associated with this alleged bankruptcy which includes a closed Municipal credit union account and Experian is refusing to do so.

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 2022-10-26 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reached out to credit bureaus to find out who is furnishing bankruptcy information to all three credit bureaus and o was told it was ( XXXX XXXX ). I reached out to XXXX XXXX and I was told they have no record of a bankruptcy on my profile. I reached back to the credit bureaus to do another investigation and because their information is incorrect and the keep saying information is valid from XXXX XXXX. The credit bureaus are failing to do their job and investigate my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXXXXXX TRUIST have my account number and withdrew payment 15 USC 1666 I believe the bill sent to me, is a billing error in accord with 31 USC 3123 and 18 USC 8 16 CFR 681 TRUIST also reported my personal information to the reporting agencies without prior knowledge or consent 12 CFR 1006.34 TRUIST failed to send a Validation of debt notice 15 USC 1692 g I sent a notarized, registered Validation Dispute letter to TRUIST within 5 days of the first bill with no response from TRUIST26

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 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I lived in the apartments that sent the amount in question to collection. I moved out of the apartment on time ( 2019 ), turned in my keys and left a forwarding address. I never received notice of anything owed, nor was I given my deposit back. Based on my lease and and XXXX, landlords have 30 days to provide written notice of any damages or anything that is to be paid that the deposit doesnt cover. I was never given any of that. Also, this is an outdated claim as I have since purchased a house. Ive never had issues with paying any outstanding balances upon move out. This claim is false and I shouldnt be obligated to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc.
State: SC

Complaint narrative:
American Account & Advisors @ XXXX who is an out of network provider is trying to collect on a medical bill without my authorization and violating my rights per the " no surprise act of 2022 ''. They have inaccurate information on my credit report that I need removed ASAP. 

Thanks for your assistance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: IL

Complaint narrative:
This irritates me! I've already spent months sending disputes and filing complaints, but I'm not seeing any results from them. This is causing me a lot of pain and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
Got a text from a number that claimed I needed to contact XXXX , Harris & Harris debt collector for something regarding the turnpike. After blocking the number I looked up the company and all I saw were bad reviews claiming they were a fraudulent company only focused on claiming debts that were not owed by the people they were harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: Security Credit Services, LLC
State: NY

Complaint narrative:
I5 USC I681 section 602 states that You have the right to privacy ' 15 usc I681 section 604 ( a ) Subsection 2 states that A consumer reporting agency can not furnish an account without your written instruction 15 uSc I666 ( B ) A creditor may not treat a payment on a credit card account or open end consumer credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I applied for the mortgage on XX/XX/XXXX. Over the past two months, I have provided all of the documentation that USAA has requested and more. At every turn, they come back and say they are unable to approve my mortgage for one reason or another. I problem solve, come up with a solution, submit additional documentation and they repeatedly find new reasons to deny the mortgage. I have paid one extension fee of {$550.00}, tried escalating to a manager and I am still getting the run around. The most recent reason they have provided is that I do not have enough money in reserves. The documentation I have provided shows that I clearly have enough money in reserves. I am hoping by filing this complaint, that the CFPB can look into this and determine if USAA handled things appropriately,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: SC

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX  ( Original Creditor : XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account

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