vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HireRight Solutions, Inc.
State: VA

Complaint narrative:
I emailed them XXXX XXXX XXXX  and I have not heard a response. They have reveled details that were never mentioned before hand for example they posted this text after I had uploaded requested documents regarding my BACKROUND : When sending documentation to help verify your former employment please be sure to redact all sensitive personal information ( such as your date of birth, national identification numbers, salary, and other compensation information ). Failure to redact or remove your compensation history will result in your submitted employment verification documents being provided to your background 's requestor as is, including as applicable any compensation history contained within your documents The problem is when you initially upload these document it was never made aware to me until afterwards when they requested more documents but this time the information was only on the email they sent but not on their website. I am asking they delete my documents since thats not an option on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiry found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lincoln Educational Services Corporation
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. Some inaccuracies existed on my credit report. The account has been removed by both bureaus and a charge-off account should have a balance of XXXX, not {$690.00}, but still this is appearing in my XXXX Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please Re Investigate the inaccurate information you have furnished on my report without my permission. and do not try any stall tactics. Thank you.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must block these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to remove these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXXXXXX Balance Owed : {$530.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$360.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} 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

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must block these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to remove these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXXXXXX Balance Owed : {$530.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$360.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEQUIFA 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Also, the Date Reported is inaccurate ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have paid XXXX towards this loan and they have stated that XXXX went towards interest alone making only XXXX go towards the actual principle. i know this is erroneous. They have also stated that i have extended the loan over 13 times. I am now way upside down on the loan and now cant get out the loan or trade the vehicle in as the negative equity is too high.

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 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm disputing the late payments status on my credit report for certain accounts due to a system glitch in the creditor 's system. They admitted the mistake and agreed to correct it to a positive status. Please update my credit report accordingly. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX removed the XXXX XXXX Account that I'm a authorize user on and I want it back on my report my credit immediately Equifax Removed the XXXX XXXX Account that I'm a authorize user on and I want it back on my report Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
I explained every detail to Sallie Mae representative at on several occasions. But they kept pushing me aside and never proposed a real solutions to ease my difficulties. Instead, they threaten to make it more difficult for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received a fraud alert on or about XX/XX/XXXX from Truist on cell phone. Contacted them and told them I did not make purchase/charge. Then put a 1 year Fraud alert with all 3 Credit Agencies, and filed report with identity theft .gov. There was a XXXX balance at that time .Now it is XXXX XXXX XXXX and I have called 6 times and spent an hour each time on phone. Escalated it twice with 2 different supervisors. I am now being charged late fees and interest and have collections calling me constantly for something I don't owe. Additionally I have now received notification from Credit companies that my credit limits have been decreased.

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 2024-02-02 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: Reel Time Capital LLC
State: KY

Complaint narrative:
Reel Time Capital LLC is on my credit report sayin i owe {$580.00} from XX/XX/2023. I have no idea what this is and do not owe anyone anything. I researched them on XXXX and EVERYONE says its a scam company from XXXX XXXX ( which does not exist anymore all urls are dead ) which is some XXXX XXXX XXXX XXXX. I do not use those places. Please help it dropped my credit score XXXX points. It must be fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
RoundPoint Mortgage Servicing received two payments in XXXX but only credited one. Claim we are not paying on time, charging unwarranted late fees and damaging our credit. We have provided our bank statements four times. The bank statements unequivocally show that they took our money but did not credit our 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
Consumer complaint received 2024-02-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/2024 XXXX XXXX ( SURNAME : XXXX ) XXXX XXXX XXXX XXXX FL XXXX My information was sold and bought illegally because I was a victim of the XXXX XXXX breach. I want these items deleted from my credit reports effective immediately. Im attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. List all the negative accounts from your XXXX credit reports. Account names and account numbers. I always see it every day on my account that my personal information is ALWAYS AT RISK! I dont understand after many years and so many payments made to XXXX that I would have any type of data breach. I have proof of my data incident breach which I filed a claim for see attached. 

XXXX : Comenity Bank/XXXX XXXX  - {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Comenity Bank/Wayfair XXXX XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXX XXXX Comenity BankXXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Comenity Bank/Wayfair {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXX XXXX  {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX {$0.00} - XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX/XXXX  {$4000.00} - XXXX - I never gave anyone permission to XXXX this account ( XXXX, XXXX ) XXXX XXXX {$520.00} - XXXX -XXXX XXXX {$520.00} - XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) and on top of it has another account open. I don't understand this at all. 

XXXX : Comenity BankXXXX XXXX  - {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Comenity Bank/Wayfair XXXX XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXX XXXX  {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$520.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX {$0.00} XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX {$4000.00} XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/2024 XXXX XXXX ( SURNAME : XXXX ) XXXX XXXX XXXX XXXX FL XXXX My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. Im attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. List all the negative accounts from your XXXX credit reports. Account names and account numbers. I always see it every day on my account that my personal information is ALWAYS AT RISK! I dont understand after many years and so many payments made to XXXX that I would have any type of data breach. I have proof of my data incident breach which I filed a claim for see attached. 

XXXX : XXXXXXXX XXXX XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX XXXX XXXX XXXX  {$0.00} - XXXX - XXXX never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Discover Bank {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX XXXX XXXX {$0.00} - XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXXXXXX XXXX XXXX {$4000.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$520.00} - XXXX XXXX XXXX  {$520.00} - XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) and on top of it has another account open. I don't understand this at all. 

XXXX : XXXX XXXX XXXX - {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Discover Bank {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$520.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX  {$0.00} XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX  {$4000.00} XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I hope this letter finds you well. I recently reviewed my credit report and observed late payments reported for my XXXXXXXX XXXX  XXXX XXXX XXXX account, specifically in XXXX 2018.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong addresses XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inaccurate employment

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 2024-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Contacted Freedom Mortgage, requested for the XXXX Analysis pertaining the possible shortage. 
1 ) THEY GAVE ME LAST YEAR 'S ( XXXX ) AND I DIDN'T REQUEST FOR THAT! 
2 ) RETURNED THE MESSAGE BACK TO THEM AND DEMANDED THE ESCROW FOR THIS YEAR. 
3 ) THEY SENT ME A " LAYOUT PLAN '' FOR XXXX STARTING XX/XX/XXXX - HOW MUCH MY MORTGAGE WOULD BE BUT WOULDN'T TELL ME WHAT THE SHORTAGE WAS! 
4 ) I REQUESTED THE SHORTAGE. THEY FINALLY TOLD ME IT WAS {$930.00}. I PAID IT IMMEDIATELY. 
5 ) THEY REFUSE TO GIVE ME THE " CORRECTED '' AMOUNT OF THE MORTGAGE - BECAUSE THEY INSIST ON THE " PAYMENT PLAN '' OF {$690.00} A MONTH! ( THAT'S WITHOUT THE ESCROW SHORTAGE PAYMENT ). 
6 ) I SPOKE WITH THE REP OVER THE PHONE AND ORDERED HER TO TELL ME THE AMOUNT BECAUSE I ALREADY PAID THE SHORTAGE! SHE TELLS ME " OH WE DON'T ACCEPT SHORTAGE PAYMENTS, IT'S AUTOMATICALLY 'TACKED ' ON TO YOUR NEW PAYMENT! '' - SHE KEPT ARGUING WITH ME OVER THE PHONE MAKING ME SOUND LIKE I AM " TOTALLY XXXX AND 100 % XXXX ''. 
I HAVE DEALT WITH MORTGAGES - BOTH COMMERCIAL AND RESIDENTIAL FOR OVER 50+ YEARS! 
DO NOT TELL ME I DIDN'T WARN YOU GUYS THAT FREEDOM MORTGAGE ARE 100 % XXXX THEY ARE SCAMMERS! I HAVE PROOF OF SUCH! 
BECAUSE THEY REFUSE TO DISCLOSE WHAT THE 2ND OPTION WAS AFTER YOU PAID THE SHORTAGE! I HAVE REPEATEDLY REQUESTED FOR THAT INFORMATION! 

IN ADDITION, THEY DO NOT MENTION A SINGLE WORD HOW MUCH YOUR MORTGAGE WOULD BE IF YOU PAID THE SHORTAGE -- -> TOTAL OF 5 PAGES OF NOTHING NOTHING BUT ESCROW ( SHORTAGE ) PAYMENT PLAN WOULD BE FOR THE ENTIRE YEAR! AND XXXX ( XXXX ) PAGE OF ANY AMOUNT IF YOU PAID THE SHORTAGE! 

PS : CFPB - I HAVE THE REASON TO BELIEVE THAT THEY ARE INTENTIONALLY " ADJUSTING '' TO FIT THEIR POCKET BOOKS - AKA " 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 explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I trust this letter finds you well. I would like to inform you that, as of my recent reviews, the fraudulent accounts reported to other credit bureaus have been successfully removed. However, it has come to my attention that the same fraudulent accounts still persist on the credit report under your jurisdiction. 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 explanation