vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 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: IL

Complaint narrative:
I have tried 3 times to obtain my credit report from XXXX, I sent my State Id, my SS # : I called and requested it two times over the phone and tried to do it on line, they have not sent my credit report, I had no problems from XXXX, or Experian, but from the report that they sent me my rights have been violated. A consumer reporting agency can not furnish an account without my written instruction. The open dates are inaccurate, last active is inaccurate, date last reported inaccurate. This is grounds for removal and 15 USC 1681 section 602 A states that I have the right to privacy, 15 USC 1681 section 604 A Section 2., as a result of these things on my credit report I have hardship, I have a job, but I live with my Sister, I tried to get my own place and I was unable to because of my credit report. A credit report should not be the determining factor to get a place to live, you have the job making good money, but you can't get in because of a credit score is just down right ridiculous to me, I can not tell you how many people can not get a place to live because their score is too low, or they have erroneous stuff on their credit report that stops them from obtaining a home, these things need to change. If you need to contact me please contact via e-mail XXXX, address is XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Illinois 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 2022-05-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM failed to provide me with a payoff letter. I confirmed the email address for it to be sent to, and also called again later to provide a fax number. Nothing has been received over XXXX hours later. It took in excess of XXXX minutes on the telephone. They are continuing to charge finance fees and will be assessing a late fee due to their failure to provide the requested payoff letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
CAINE & WEINER COMPA ( Original Creditor : XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX Now that I contact this company about this alleged debt there is no response?? 


furthermore CAINE & WEINER COMPA ( Original Creditor : XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: AES/PHEAA
State: FL

Complaint narrative:
On XX/XX/2022, AES/XXXX  ( XXXX AES '' ) reported to consumer credit agencies that the subject student loan account was " Closed '' and that it was " flagged ... as not paying off [ the ] balance and [ I ] can not be located. '' This resulted in a XXXX point credit score reduction. Upon further review of the credit report, AES reports that the account is greater than 30 days delinquent in that no payments were received in XXXX or XX/XX/2022. XXXX XXXX documents that AES did, in fact, collect automatic payments for XXXX and XX/XX/2022. Today via telephone AES confirmed that ( i ) the contact information associated with the account is in fact correct, ( ii ) that the account is open and not closed, and, ( iii ) that the account is current and paid as agreed. AES will not, however, correct the erroneous reporting without a formal consumer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received a notice from one my credit monitoring services on XX/XX/XXXX that Discover had closed my credit account of {$11000.00}, unbeknownst to me. When I contacted Discover, they stated they closed the card " due to inactivity ''. The last purchase on the card was XX/XX/XXXX, and payments were still being made on the card in XX/XX/XXXX. They also stated they sent a notice of this closure in XX/XX/XXXX and that it would be available in my account inbox. This notice does not exist and it was never sent. When I contacted Discover by phone they then stated that their " terms do not specify the amount of time an account must be inactive '' and they reserve " the right to close at any time ''. Though the Discover representative on the phone was unable to point me to a location where I am able to view those terms in writing, he insisted I had no options except to " re-apply for another line of credit ''. Not only have they just just sucked {$11000.00} out of my credit balances, their only offer is for me to add another hard inquiry to my report. This is outrageous. And again, with no notice to consumer beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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:
In accordance with the Fair Credit Reporting act. The List of accounts below have 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 and XXXX XXXXXXXX XXXX  XXXX # XXXX and XXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without 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 ). 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681. 

XXXX XXXX XXXX # xxxx, XXXX XXXX XXXX # xxxxXXXX XXXX XXXX # xxxx and XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  # xxx has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without 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 ). 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.

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 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: MS

Complaint narrative:
Im reaching out to request a deletion of ProCollect ( Account # XXXX ) from my credit file. I have filed numerous disputes with the credit bureaus and Procollect directly. Procollect has continuously failed to provide sufficient documentation that I owe a debt. Procollect can not furnish proof. On XX/XX/2021 I mailed certified letter for verification of debt to the three credit bureaus and Procollect. On XX/XX/2021, I received 3 pages of information from Procollect. One was attempt to collect debt letter, 2nd was final account statement, 3rd was copy of an application for housing. On XX/XX/2021, I certified mail Procollect asking for a written, signed contract with my signature to verify that this debt is mine. On or around XX/XX/2021, Procollect mailed the exact same 3 pages of information. This debt is not mines. According to the FCRA, Procollect has violated my rights. 15 USC 1681, Section 602a states that I have a right to privacy. 15 USC 1681, Section 604 ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Also, Procollect is violating 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692e ( 11 ). 
This company is reporting wrong information and is causing a negative effect to my credit report. Please delete all Procollect accounts from my credit reports.

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 2022-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc.
State: NY

Complaint narrative:
REMEX INXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore REMEX INC ( Original Creditor : XXXX XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I was awarded the property in a divorce in XXXX. I provided Freedom Mortgage a copy of the divorce decree. They allowed my ex-spouse to change the mailing address, email address and phone number on the account to his information. They increased my escrow and monthly payment without notifying me, as they notified my ex-spouse. I continued to pay the amount I was aware of. They are now reporting two 30-day credit marks on my credit report due to the error. This is unfair as I was not made aware of the change in status of the payment ; therefore, I was not able to make the full payment amount. This would fall under UDAAP as they reported to my credit without proper notification of the increase in the payment amount.

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 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, American Express ( Partial Account # : XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TN

Complaint narrative:
I received a denial from XXXX on a credit cart application. I contacted XXXX  and they told me that seone had applied using my driver 's license number and an XXXX email. I do not have an XXXX ail account. It resulted in an inquiry on credit. I did not apply for this. XXXX advised they could notify the credit agency to remove the inquiry. They advised me to call my local DMV because they used my license number. I did that. They also told me to come to this website to report it as a potential ID theft attempt. Thank you so much. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
This loan was created in XX/XX/2021 under misguidance and fraudulent terms. During the duration of the loan, upon my making monthly payments, there were multiple accounts with this creditor created in my name, without my consent. I have on document multiple account numbers for the same loan. In addition, I signed the original contract with TitleMax, but documentation notes that the contract is with XXXX XXXX, XXXX. and another agency. The TitleMax Manager that created my contract noted my physical appearance, height, weight, nationality, etc illegally. I did not consent nor did I volunteer this information. 

When I learned of these and other discrepancies, I immediately requested each contract signed because I had never received them. In addition, I mailed certified documentation noting that I was opting-out of their arbitration clause as instructed in the contract. I did also mention that I was in pursuit of legal assistance to resolve the matter. 

After some time, perhaps a few weeks after I refused to make payment and pursue it legally, a legal team director, I believe called me and offer a settlement of {$8500.00} within a couple weeks time. I told him that I would need some time to get back to him on the timing and amount. 

I did not call him back until the day I was to sell my vehicle. He told me that after our first conversation, he submitted documentation that I had agreed to his quote. I never agreed. 

I was prepared to sell my vehicle and pay cash to end the loan, however the entire company stalled when I asked for a Payoff Agreement. I could get no resolve from store management, neither the legal team director in Ohio. They stalled for time over and over again, and mislead me in order to further stress the situation and exhaust the last day before they'd repo. They did not want my money. They wanted my vehicle. 

In the end the payout paid was {$8600.00}. I'd also paid a few monthly payments of $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I was taking advantage of due to malpractice while several laws were being broken under the fcr by your company.This has caused me financial injury defamation of character, I cant apply forr jobs and i cant apply for credit i cant even get a sba loan or any thing like that due to the pandemic under this crisis you have hurt my ability to obtain credit.My children and i are suffereing, and my family have made a mockeryand my community has looked down upon me .I refuse to convert back to my old ways that cost me years in prison for breaking laws just like your company has done.I am ashamed of the things i am going through and it is a nightmare for me and my loved ones.I have turned a new leaf transitioning into society to do the right thing just to be violated by company career criminals that have taking advantage of me at my lowest poinjt.I am beyond fed up and i am willing to take this issue to the furthest exent of the law if a remedy is not presented under the federal law and uniform commercial code.

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 2022-05-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account 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

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