vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 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:
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 XXXX XXXX XXXX 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 2022-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX with XXXX XXXX XXXX XXXXXXXX. I submitted a loss mitigation on behalf of XXXX XXXX after XXXX relief pre-payments. 
The trial payments were given on XX/XX/XXXX. XXXX XXXX XXXX did begin making payments since XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
A complete modification of mortgage was given to XXXX XXXX XXXX from Mr. Cooper on XX/XX/XXXX, on XX/XX/XXXX XXXX XXXX XXXX came into my office and signed the modification in my office. 
I put the modification papers on a XXXX XXXX and he said he drop it in a XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX was going to make his online payments and was block from doing so. Until he received a letter that the XXXX package never left XXXX. 
On XX/XX/XXXX I sent as per Mr. Cooper Request another modification application with all the documents requested and send the same via email, to no avail. On XX/XX/XXXX the servicer was changed to RightPath Servicing and the only intent here is to take XXXX XXXX home into foreclosure. 
This is not the time to take away homes, this is the time to reviewed what it was sent and provide help to homeowners. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
Acompanynamed CKS PRIME INVESTMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX is reporting {$990.00} from XXXX XXXX  which was written off during my bankruptcy apparentlythey sold this to a third partyXXXX XXXX XXXX is under investigation for their action by the FDIC.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I haven't moved in 15 years and own my condo. So last month XXXX student loan contacted me about payment due. Then they then stated the address they have on file is XXXX I never lived at before!! Oddly I worked on that block over XXXX years ago. This is shocking and unbelievable they invented a new address and reported this misinformation to the credit bureaus! And XXXX is refusing to correct this false information having a negative impact on my credit report.

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 2022-11-07 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: FL

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 XXXX XXXX XXXX XXXX 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 2022-11-07 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:
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 XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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:
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 XXXX XXXX XXXX XXXX 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 2022-11-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account below 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 instruction. 

XXXX XXXX XXXX Paid in Settlement ( closed ) BANK XXXX XXXX XXXX Late payment ( XXXX ) ( closed ) I have asked the credit bureau of a thorough investigation of my credit profile and they did however they only validate that an account was once open. My initial complaint is not to validate an account, however, to question the thoroughness of the investigation and also i still found improper inaccuracies upon their initial response. The improper accounts use are as follows : XXXX  XXXX XXXX Paid in Settlement ( closed ) BANK XXXX XXXX XXXX Late payment ( XXXX ) ( closed )

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 2022-11-07 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: TX

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 1981. Account Name : XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states 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, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TX

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 1981. Account Name : XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states 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, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 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: OH

Complaint narrative:
Hard inquiries on my credit report that should not be on there are : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The data breach really affected me and my credit score. I did not apply for a car loan at those places mentioned above for i am not employed and have not been employed. The incorrect information on my credit report has my credit score below where it suppose to be.

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 2022-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Spring Equity LLC
State: CA

Complaint narrative:
I took out a XXXX XXXX XXXX with SpringEQ on XX/XX/2022 in the amount of XXXX. During the closing process, the lender paid off several outstanding debts including a personal loan through XXXX 's XXXX ( account number XXXX ) in the amount of XXXX. However, this amount resulted in an overpayment in the amount of XXXX which was refunded to the XXXX XXXX, the title company which initiated the original payoff [ Check No. XXXX ] However, to date, I have not received a refund nor has the amount been credited back to my home equity loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I satisfied my account with Jared / XXXX on XX/XX/2022 through their attorney 's office XXXX XXXX PA. I have attempted multiple times to get a letter from Jared / XXXX directly showing my account s a {$0.00} balance or settled in full. I keep getting the run around and my credit has not been updated. This is now affecting the purchasing of my first home which was set to close on XX/XX/2022 and now has been delayed. This is the only item that is keeping me from closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I satisfied my account with XXXX / Genesis on XX/XX/2022 through their attorney 's office XXXX XXXX XXXX. I have attempted multiple times to get a letter from XXXX / Genesis directly showing my account XXXX a {$0.00} balance or settled in full. I keep getting the run around and my credit has not been updated. This is now affecting the purchasing of my first home which was set to close on XX/XX/2022 and now has been delayed. This is the only item that is keeping me from closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: FL

Complaint narrative:
I satisfied my account with XXXX / XXXX on XX/XX/2022 through their attorney 's office XXXX XXXX XXXX I have attempted multiple times to get a letter from XXXX / XXXX directly showing my account XXXX a {$0.00} balance or settled in full. I keep getting the run around and my credit has not been updated. This is now affecting the purchasing of my first home which was set to close on XX/XX/2022 and now has been delayed. This is the only item that is keeping me from closing.

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 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: WA

Complaint narrative:
My father XXXX XXXX XXXX received social security in the approximate amount of {$1300.00} a month on the XXXX of each month. In XXXX he received his check on the XXXX, withdrew about {$700.00} and his car insurance was about {$100.00}. That would have left about {$500.00} remaining. He passed away on XX/XX/2022. His bank Direct Express will not give me an accounting for the month of XXXX. I want to know where the {$500.00} went. I am his only daughter and am listed on the death certificate as next of kin. He is widowed and has no one else. I believe the bank should tell me what happened to that money even if my dad withdrew it. 

Here is a copy of their response. 
Remaining balance is less than {$11.00}. Checks for low balances are not issued. 



Thank you for your understanding. 





Sincerely, Direct Express XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX I would like a statement for the month of XX/XX/2022 Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below I have already disputed with each bureau on XX/XX/2022 and XX/XX/2022 and they have not deleted the items below. 

Sec. 602 State... I have a right to privacy. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Case Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  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 2022-11-07 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below I have already disputed with each bureau on XX/XX/2022 and XX/XX/2022 and they have not deleted the items below. 

Sec. 602 State... I have a right to privacy. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Case Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  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 explanation
Consumer complaint received 2022-11-07 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: CA

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. 

XXXX XXXX XXXX XXXX OF CXXXX XXXX XXXX XXXX 15 USC 1681 section 6028 States I have the right to privacy 15 USC 1681 s281 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 the information is in accurate 15 USC 1681 section 604 a section to it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ca5 section States no consumer reporting agency make any Consumer Report containing any of the following items of information, any adverse item of information other records of convictions of crimes which antedates the report by more than 7 years.

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 2022-11-07 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: LA

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 XXXX XXXX XXXX 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 2022-11-07 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: LA

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 XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account Number : Account name : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation