vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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: PA

Complaint narrative:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$0.00}

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 2022-05-20 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: IL

Complaint narrative:
I have new and updated information regarding Complaint # XXXX. 

1. Experian has failed to send me an updated copy of my consumer reports.

2. Experian claims that it is unable to complete my request, while they simultaneously updated and verified these accounts per Report number XXXX. If Experian needs more information to reinvestigate my dispute, how did it update and verify the negative information on these accounts? 
4. Please send me the method of verification for this dispute so that I can know who you spoke with to verify and update the information in my dispute, and fully understand the information you used in order to do so.

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 2022-05-20 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: PA

Complaint narrative:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$0.00}

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 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$72.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00}

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 2022-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I was behind on car payments so my car was repossessed by Ally Financial on XXXX XXXX 2022. I made the payment of the amount that was due of {$2100.00} in full on XX/XX/ 2022 plus made the additional car payment that was due on XX/XX/ 2022 of {$510.00}. As of XX/XX/2022 Ally Financial has yet to send my release paperwork to the auction that currently has my car. After many calls to Ally Financial and the auction that has my car every day since XXXX XXXX 2022 I am still without my car and without answers as to why the release paperwork has not been sent. Every time I speak with someone at Ally Financial they tell me that they have sent the paperwork and are not sure as to why the auction has not received it and that they will send it again and still no results.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted by certified mail to XXXX, XXXX, and TransUnion ruffly 3 to 4 times concerning incorrect names, addresses, and employment that they are reporting on my Credit Reports. ALL 3 HAVE IGNORED MY REQUEST, NOTHING HAS CHANGED BUT KEEP PUT WRONG/MISSPELLED INFO. 

XXXX Track # XXXX TransUnion Track # XXXX Experian Track # 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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted by certified mail to XXXX, Experian, and XXXX ruffly 3 to 4 times concerning incorrect names, addresses, and employment that they are reporting on my Credit Reports. ALL 3 HAVE IGNORED MY REQUEST, NOTHING HAS CHANGED BUT KEEP PUT WRONG/MISSPELLED INFO. 

XXXX Track # XXXX XXXX Track # XXXX Experian Track # 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 2022-05-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-20 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates , LLC ( " PRA, LLC '' ) WITHOUT having express written consent, from me, is inaccurately reporting a debt in collections on my credit report with a balance of {$650.00}. As of XX/XX/22 I called PRA. LLC and asked them to provide the original contract with the " wet ink '' signature that LAWFULLY obligates me to the account/amount, and they could not furnish any contract, OR written consent from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Hi I am former employee of Caliber Home Loans my NMLS # XXXX I left the company on my own accord. I was and employee for over 5 years. I quit once and they still hired me back so I think I am and excellent employee as well as XXXX XXXX  I am writing to you today due overt discrimination by Caliber to XXXX XXXX XXXXXXXX. Caliber is violating Reg B or ECOA. I have expressed my feelings to management over the years and some underwriters were dropped of our team but never reprimanded in any kind of way. Please investigate the loans that were in process and approved but were later denied for one thing or another but the main problem was that these were XXXX XXXX XXXX please review all loans under my NNMLS XXXX that were denied. These borrowers were able to obtain financing thru other companies. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$340.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00}

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 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
An XXXX account reached out to me asking to be my sugar mama and I agreed. This account then proceeded to send me a check of {$4400.00} on the XXXX of XXXX. I deposited the check into my account, I then called my bank to see if the check was fake because it was kind of suspicious but, my bank Confirmed then check. After confirming the account asked me to send them {$3900.00} and keep {$500.00} for myself. The same thing happened on the XXXX and the XXXX. On the XXXX however before I could send all the money too this account I received an email from my bank informing me that my account is being closed because the checks were fake. And I had already sent this account about {$7800.00} in total. This account never got back to me after that. I tried settling the issue with my bank but they told me they couldnt do anything about it.

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 2022-05-20 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: AL

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 has violated my rights. 
XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

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 2022-05-20 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: AL

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 has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: VA

Complaint narrative:
The Credit bureaus listed the following inquiries on my report without my written permission. These are all grounds for removal They also they violated my rights unde

r 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions. They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii )
. The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer List of inaccurate inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-20 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2022-05-20 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: PA

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 

Personal Information : XXXX XXXX Inquiries : XXXX XXXX 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 2022-05-20 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:
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, Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX, Account NumbeXXXX : XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : 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 2022-05-20 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: PA

Complaint narrative:
I am writing to delete the following information in my file. I reviewed my credit report and seen some unauthorized inquires listed on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
This student loan originated XX/XX/1996, original amt was {$38000.00}, it is an FFELP consolidated loan, I was a student then and my husband had graduated and we got call after call about reconsolidating our student loan debt, locking in interest rate ( 9 %- which may have been decent back then ), eventually we did consolidate. Since then, it has been a LIVING nightmare. My husband has a XXXX XXXXXXXX, is currently on complete XXXX, we had to place loan in deferment/forbearance at times when he would be hospitalized. Fast forward to current, HIS original principle was d/c years ago based on his being XXXX, but I have now been assigned full burden of this loan and EVERY year I fill out my IDR application and Navient literally does not process my application in a timely manner, there are numerous obstacles thrown up by them which takes ALOT of time to deal with as it is almost impossible to speak w/anyone who can actually help, I have to escalate to supervisors and often times NEVER get the call back that I was promised ... I document EVERYTHING. I am a registered nurse so I know how to document and I do so thoroughly. I have been told that nobody can touch this loan - meaning I can not consolidate its ( I think now I can under the new rules? but I was advised NOT to because my payments start over ), Navient has put my loan into forbearance WHILE THEY PROCESSED THEIR OWN ERRORS ( I start the IDR application at least a month and half before it's due - and it NEVER FAILS to go passed the deadline because of THEIR ERRORS ... .my time has been reset and my payments set to zero toward the 120 payments, I have always made my pmt 's even when in the forbearance THAT THEY HAD TO PUT IT IN DUE TO THEIR NEED FOR MORE TIME TO PROCESS - BASED ON THEIR ERRORS- and I'm told that it's just tough luck, nothing can be done about that... there is nobody that I can speak with about it, it is literally SO WRONG and I can not imagine ILLEGAL at this point. My loan did not qualify for XXXX forbearance nor any Covid assistance plan, I have made my payments on time through both while other loans allowed no payments and/or froze interest accumulation ... .I have ALL OF THE DOCUMENTATION to support my claim and I am 100 % wanting to do whatever I have to to see what can be done for my loan/situation but also to prevent this from ever happening to anyone else. This has caused me SO MUCH STRESS AND XXXX  over the years- I'm done playing their game. Please help me.

Company response to consumer: Closed with explanation