vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 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: Experian Information Solutions Inc.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX 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 2022-10-28 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: PA

Complaint narrative:
I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I have attached tracking # of the letters that I sent to the credit bureaus along with the credit reports showing the inaccuracies. 

According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, and according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts XXXX XXXXXXXX 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 2022-10-28 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: PA

Complaint narrative:
I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I have attached tracking # of the letters that I sent to the credit bureaus along with the credit reports showing the inaccuracies. 

According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, and according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

AccountXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
Re : Cornerstone Credit Services.L.L.C ( XXXX ) I have spoken to representatives at Cornerstone regarding notices to pay client XXXX XXXX XXXX the total amount of XXXX regarding statement XX/XX/2022. 
When I called the Cornerstone representative today, XX/XX/2022, they notified me the total in now {$180.00}. Even though I still have not received a bill from XXXX  XXXX. I called XXXX  XXXX  today and I paid my bill directly and paid the {$150.00} bill. ( paid on XX/XX/2022 ref # XXXX ) On XXXX, XXXX Cornerstone sent a notice on behalf of XXXX XXXX XXXX for the amount of {$44.00}. I also paid them directly. ( attached statement paid on XX/XX/2022 ref # XXXX ) Cornerstone wanted me to pay the {$44.00} and {$180.00} today. One amount has interested applied and the other does not. 

When I last spoke to Cornerstone I was told the total amount included both the {$44.00} and {$150.00} to get me pay the {$180.00} that the XXXX XXXX statement was at the time knowing the {$180.00} would not cover the {$44.00} amount. 
Both attached statements are from Cornerstone Credit Services. 

Cornerstone wanted me to pay a total of XXXX today but I declined stating both Alaska XXXX XXXX and XXXX XXXX have been paid. The statements attached are the only Cornerstone Statements I have received. They informed me the interest will be billed to me. 


Please Advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX reported XX/XX/2018 for the amount of XXXX to be removed for their violation of my HIPAA rights. I never signed a HIPAA form authorizing them to access my records, yet they have obtained my social security number and other personal information without my permission. 

I have contacted the credit bureaus and XXXX XXXX XXXX to remove this multiple times since XX/XX/XXXX and all last year even sent in a letter to remove this false report still no actions have been taken. 
I am requesting that you remove all traces of my information from their system and investigate this matter further. Thank you for your time and attention to this matter. 

Sincerely, [ 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 2022-10-28 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX reported XX/XX/2018 for the amount of XXXX to be removed for their violation of my HIPAA rights. I never signed a HIPAA form authorizing them to access my records, yet they have obtained my social security number and other personal information without my permission. 

I have contacted the credit bureaus and XXXX XXXX XXXX to remove this multiple times since XX/XX/XXXX and all last year even sent in a letter to remove this false report still no actions have been taken. 
I am requesting that you remove all traces of my information from their system and investigate this matter further. Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
UWM sold my home mortgage to XXXX XXXX XXXX XXXX which will take affect XX/XX/2022. 
I am required because of their business deal to do several things at my expense of time, energy, and effort in order to help UWMXXXX XXXX XXXX XXXX XXXX XXXX their business deal which I had nothing to do with. 
My Mortgage is no where near being in trouble, and yes I can provide proof. XXXX XXXX XXXX bank is requiring me to contact my home insurance company to make XXXX XXXX XXXX the XXXX. This to me is unjustifiable, and I contend not my responsibility as I had nothing to do with their UWM XXXX XXXX XXXX XXXX Bank business deal. 
Further XXXX XXXX XXXX  bank have no branches in my city of XXXX XXXXXXXX XXXX, so I can not fix this my going to see them. I contend that I should not be required to use my time, energy, or efforts to assist UWM and XXXX XXXX XXXX  bank close their deal... 
XXXX XXXX XXXX XXXX bank has promised me a welcome package which has never arrive and I have visited their web site XXXX XXXX XXXX XXXX  several time without any resolution, meaning I can no longer pay my bill online, as I can not open an account with XXXX XXXX XXXX XXXX, and they are not responsive to any of my request. 
Further how is any of this my responsibility? I had/have nothing to do with these XXXX companies selling mortgages to each other, et they require me to waste my time, energy, and efforts to assist them at my expense. 
Further this is my second bad experience with UWM, and what I expect is a bad relationship with XXXX XXXX XXXX XXXX  from the begging... 
I ask for direct relief from being involved with UWMXXXX XXXX XXXX XXXX XXXX XXXX practices. I contend that at best it is unfair to involve me in their business transactions, because they are lazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Enclosed document details dates and amounts of phone payments stolen. Account is frozen now due to the fraudulent transactions. Account holder in hospital XXXX thru XXXX, XXXX thru XXXX and placed in XXXX XXXX, XXXX XXXX. We began seeking a health POA in XXXX of 2022. When the doctor 's letter stating that she needed to have assistance with a POA matters, was finally received in XXXX, Chase refused to allow access to the account. Account holder passed XXXX but never prior to these transactions, was a phone payment method used. Account should have been flagged and frozen months before it was. Even after being notified of the fraud, Chase  did not freeze the account, and it went into overdraft after another transaction happened. These are some of the extenuating circumstances that cause us to seek a reasonable resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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:
On XX/XX/2022 XXXX XXXX suggested I applied for a XXXX XXXXXXXX XXXX XXXX, through XXXX XXXX, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than 5 points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. As, of today the XXXX point issue was resolved. However, XXXX XXXX also stated if I payoff one of the items showing on my credit report, my credit score would increased by 21-25 points. So, I took their advise and paid off two of the items that was showing on my credit report, XXXX XXXX XXXX and XXXX XXXX XXXX. Upon speaking with both agencies they informed me they would report to the 3 credit bureaus of my payment. ( Please see attached previous complaint issue that was resolved, bank statements of payments, and XXXX XXXX solution to increase my score ) As of today, I have not seen this increase in my credit score to paying off the items XXXX XXXX suggested. Also, I've spoken with all agencies above but this issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: WA

Complaint narrative:
The dealership breached the " dealer agreement contract '' and XXXX is refusing to follow through with demanding a repurchase of the vehicle, as stated in the contract, from the dealership. 

The dealership that I purchased my vehicle from provided XXXX with false information in order to obtain funding for my vehicle. " Ineligible vehicle 's for funding '', according to dealer agreement, include " vehicles previously used for commercial use '' and " gray market vehicles ''. The dealership lied on the application about the condition of the vehicle as well since it was a " new '' vehicle not " used ''. 


My vehicle is both. My vehicle is apart of the XXXX XXXX engine fire recall campaign. I had 3 years of XXXX percent payment history until I had catastrophic engine failure at XXXX. Between XXXX - XXXX miles, I have had XXXX engine replacements in 400 days and my vehicle was out of service 350 days. 

The dealer agreement also states that if " any false information is uses to obtain funding, the contract is breached and XXXX will demand a repurchase of the vehicle from the dealership ". 

The dealership added an additional {$600.00} in illegal " documentary service fees '' to the total amount financed on my sales contract. I have reached out to several different people in upper management, including their compliance manager, who did look into the additional fees and I was credited back {$600.00} to my balance. So they have acknowledged that false information was applied to my sales contract but will not look any further into following through with the dealer agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are accounts still furnishing on my credit report as closed/charged off. Account needs to be removed and deleted from consumer report effectively immediately. 

I have a right to PRIVACY and a right to fair and equitable credit report.

Under the definitions sections of the FCRA ( Fair Credit Reporting Act ) 15 usc 1681 a ( e ) defines the term " investigate consumer report '' ; which states the only way to verify information in a consumer report is to conduct personal interviews with neighbors, friends, or associates of the consumer.

This definition also states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer.

According to 15 usc 1681 c- requirements relating to information contained in consumer reports.

( a ) information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please check with FCRA starts at 15 usc 1681 Truth in Lending starts at 15 usc 1601 FDCPA starts at 15 usc 1692 all of the above backs me up as a consumer to delete all negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are accounts still furnishing on my credit report as closed/charged off. Account needs to be removed and deleted from consumer report effectively immediately.

I have a right to PRIVACY and a right to fair and equitable credit report.

Under the definitions sections of the FCRA ( Fair Credit Reporting Act ) 15 usc 1681 a ( e ) defines the term " investigate consumer report '' ; which states the only way to verify information in a consumer report is to conduct personal interviews with neighbors, friends, or associates of the consumer.

This definition also states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer.

According to 15 usc 1681 c- requirements relating to information contained in consumer reports.

( a ) information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please check with FCRA starts at 15 usc 1681 Truth in Lending starts at 15 usc 1601 FDCPA starts at 15 usc 1692 all of the above backs me up as a consumer to delete all negative items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/22 I submitted a dispute to Experian for multiple hard inquiries on my report that I did not recognize nor authorize. Experian did not reply by mail so I was unable to see the results. When pulling my updated credit report, I show the unauthorized inquiries have not been removed. On XX/XX/22 I contacted each unauthorized inquiry creditor and was transferred to multiple departments each time with no representative able to find any record of my information, authorization for a credit application, or an application on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have been told by Bank America that they can help me with overdraft fees due to my financial circumstances which I have communicated that I am trying to get the account back to a positive balance I just needed help and if they can remove the fees that I was told that would help tremendously. After a death in the family mentally I was unable to work therefore, it resulted in all my bills being piled up and at this time I am currently trying to be current on all of my bills. I do not have other income besides myself. At one point i needed to seek XXXX  outpatient treatment due to the severity of a illness. Im trying my best to pay off all debts. Today iam asking for help that I was told. Im not asking for all fees to be removed. But Im being charged fees when I have communicated my financial hardship and I had to choose between eating or paying back a debt. I will pay this debt I just need help. Im also now being threatened that they will close out the account charge it off and report me to XXXX XXXXs because of financial situation. I have not ever been in this position its very hard.

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