vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-24 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: IN

Complaint narrative:
Pursuant to 16 CFR 313, I am to be mailed every 30 days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus XXXX XXXX, Experian, XXXX, XXXX XXXX and any other third party vendors. I have not been provided with one " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account.

Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192.

Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation.

15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.

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 2022-12-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. The company took about 37 days. I was advised a response is to be given within 30days or by law it has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-24 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 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2022-12-24 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 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2022-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
So I recently purchased a vehicle with XXXX XXXX. When purchasing the vehicle I was lied to about the loan and final purchase price. I am currently paying at the end of my loan double the amount of the sticker price and my loan has only a XXXX percent interest rate. So only after purchasing the car did I find out how much Im actually paying for the vehicle. I feel like I was completely taken advantage of. I have fair credit and I also put down a substantial amount on the vehicle. In my excitement I think that they took advantage of that and knew that they could give me a predatory loan. Even the head salesman said they pulled some strings to get me the loan. Im currently paying XXXX $ every XXXX weeks on an XXXX year loan and Im very upset because I love the vehicle but feel like I was taken advantage of and not explained the loan in full detail. Please help me in this matter and maybe other people who have been taken advantage of. Thanks sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: PA

Complaint narrative:
After Reading 16 CFR 313.18 & 15 USC 6801 thru 6805 - I realized that I was never given the opportunity to OPT OUT. All credit reporting bureaus are 3rd party vendors. Third Party reporting Bureaus are not permitted to share personal information such as transaction history, account limits, balances. They are allowed to report that the account exist. I am seeking to have the corrections to my report since this is a DIRECT violation of my consumer rights.

Pursuant to 31 USC sec 3123- All public debt is a government obligation and is to be discharged dollar for dollar.

15USC 1666 a - ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay
the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: PA

Complaint narrative:
After Reading 16 CFR 313.18 & 15 USC 6801 thru 6805 - I realized that I was never given the opportunity to OPT OUT. All credit reporting bureaus are 3rd party vendors. Third Party reporting Bureaus are not permitted to share personal information such as transaction history, account limits, balances. They are allowed to report that the account exist. I am seeking to have the corrections to my report since this is a DIRECT violation of my consumer rights.

Pursuant to 31 USC sec 3123- All public debt is a government obligation and is to be discharged dollar for dollar.

15USC 1666 a - ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

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 2022-12-24 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: CORELOGIC INC
State: IN

Complaint narrative:
Pursuant to 16 CFR 313, I am to be mailed every XXXX days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus . XXXX, XXXX, XXXX, XXXX XXXX and any other third party vendors. I have not been provided with XXXX " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account. Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192. Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation. 15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.

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 2022-12-24 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: CBC Companies, Inc.
State: IN

Complaint narrative:
Pursuant to 16 CFR 313, I am to be mailed every XXXX days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus . XXXX, XXXX, XXXX, XXXX XXXX and any other third party vendors. I have not been provided with XXXX " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account. Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192. Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation. 15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
RE : Loan # XXXX FREEDOM MORTGAGE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ PLEASE NOTE : MY EMAIL AT BOTTOM OF THIS FORM IS INCORRECT AND WILL NOT ALLOW EDITING. MY EMAIL IS : XXXX NOT " XXXX ''. ] My mortgage has been deferred for 12 months, and then extended through XXXX XX/XX/2022. They tell me in their letters, they need the info packet completed and returned to them. 

I have completed their packet and returned to them 4 times. They reason the packet was incomplete, eventhough I completed every thing and each time faxed and then mailed. 

Because of this vicious cycle with the info packets, I have missed crucial deadlines that would have allowed my mortgage arrears to be placed at the end of loan and I would have kept my extremely good interest rate. 

In a letter to them, I informed them that my phone and computer was hacked. I didn't have a good phone number to give them and I could not access to my account online. 

My loan is in default, the arrears are increasing, interest is being charged and all credit reporting agencies are being notified. Creditors have sent letters that theiy will close my account due to real estate issues, late payments. 

In the beginning of XXXX, I paid the annual real estate taxes, ( XXXX ) I also sent Freedom Mortgage XXXX checks totalling XXXX. They returned my XXXX checks.

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 2022-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Financial Services of Michigan LLC
State: MI

Complaint narrative:
I got this bill for XXXX $ from XXXX XXXX and I have no idea what it is for. I haven't received any medical treatment for anything that I recall. I tried calling them today ( XX/XX/XXXX ) and the bill I got said to contact them before XX/XX/XXXX so I called them but they said they were 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 2022-12-24 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: LEXISNEXIS
State: IN

Complaint narrative:
Pursuant to 16 CFR 313, I am to be mailed every 30 days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus XXXX XXXX, XXXX, XXXX, Lexis Nexis and any other third party vendors. I have not been provided with one " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account. Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192. Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation. 15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: NY

Complaint narrative:
When I checked my credit record, I discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account. XXXX XXXX XXXX Balance : {$0.00}. Please send me the results of your investigation 30 days after my first attempt of dispute.

Company response to consumer: Closed with explanation