vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: AL

Complaint narrative:
Huntington Bank has received payment in full for the Vessel loan in XX/XX/2020. Huntington bank has failed to release the title and file the necessary paperwork with the National Vessel Documentation Center. I have contacted them four times about fixing this issue and releasing the lien on my vessel as this has been going on for almost three years now. They remain ignorant to this issue, create cases that they do not follow up with and refuse to fill a simple piece of paper that would release the lien. They have been a huge disspointment and will never do business with them again. They will not help and if you file a complaint, you will not hear from them. They are good at one thing : collect interest rates. 1*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent the following letter into Transunion on XX/XX/2023 After reviewing my credit report, I have noticed that a collection account was added to my credit file. This account does not belong to me and I would like to request that it be removed from my credit report. 

The account in question is listed as XXXX XXXX XXXX  Account Number XXXX, which has been listed as a delinquent debt on my credit report. However, I have never opened an account with this company, nor have I received any correspondence from them regarding this debt. I believe this account has been erroneously added to my credit report, and I request that it be removed immediately. 

In accordance with the Fair Credit Reporting Act, I am entitled to dispute any inaccurate information on my credit report. I have attached copies of my drivers license for verification of identity. 

I would appreciate your prompt attention to this matter and a prompt resolution of the dispute. I understand that you have 30 days to investigate the dispute and provide me with a written response.

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 2023-05-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXX Acct : XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: 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, has violated my rights. 

XXXX5 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 2023-05-09 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, 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 non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-05-09 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: FL

Complaint narrative:
i am a victim of identity theft. I have reached out before you cfpb and to the companies and have gotten nowhere. this shouldnt be like this. I have sent in my police reports and cfpb you guys are suppose to be here to make sure that these companies are within their guidelines. you have failed to do so. I want these accounts off my profile immediately.

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 2023-05-09 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:
15 usc 1681i ( 5 ) The reseller determined that the item of the information is incomplete or in accurate as a result of an act or omission of the reseller, not later than 20 days. 

Remove late payments XXXX XXXX XXXXXXXXXXXX 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 2023-05-09 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX. there is a credit collection from MIDLAND CREDIT MANAGEMENT supposedly opened on XX/XX/22 on my account that has been settled & removed due to the reasoning being " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravins ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' This account has been sold to another company ( MIDLAND CREDIT MANAGEMENT ) and now the collection is reappearing after it has been removed in the past from original creditor XXXX XXXX XXXX XXXX XXXX XXXX 

The credit bureaus have not accurately removed this account due to false information being reported. 

This collection needs to immediately be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Credit acceptance used predatory loan practices and I believe it was due to my race, inexperience, and age at the time of purchase. To start the the loan interest on the contract was not what I told it would be at the time of purchase, I was told that I would have a 13 % interest based on my credit at the time. Once I got the contract the interest rate was much higher at 22.99 %, I couldnt believe what I was seeing. After a week in the vehicle, I tried to return the car to the dealership and was told I couldnt return the car because they couldnt verify my mothers address. She had purchased her vehicle from them as well, they lied. After trying to do voluntary repossession, I learned that I had 60 days to return to return the vehicle but that option was taken from me by the dealership XXXX XXXX XXXX. I have been trying to get the company Credit Acceptance to get the car but they have said multiple reasons why they can not, we dont have the phone number of the company, I provided the phone number ; we need the address, I provided the address ; we might consider getting the vehicle if the company calls us, I asked the tow truck company owner to call them, he did. After jumping through their hoops, I was emailed a payoff request for {$22000.00} on XX/XX/XXXX. The vehicle was repossessed in XXXX of XXXX, I borrowed from my grandmother to get it and the paper on the car said inoperable. Why would you ask for {$22000.00} for a car that you said has no value? I have not received notice of lower payment options or any information about the voluntary repossession. This process has been stressful and horrible since I started it on XX/XX/XXXX. During the COVID 19 pandemic, I was unemployed and told them I could not afford the payments and would have to return the car, they said not to worry they were offering lower payment arrangements and no late fees, this was also a lie. I just want this five year battle to end but they have been sending me in circles for years and it is affecting my life, renting places to live has been made difficult by their credit reporting and the option to try to rebuild and move forward seems like a pipe dream. If this helps one person avoid falling into their traps, I would be grateful. I was XXXX years old at the time and I am XXXX years old now and I wouldnt want anyone to have to deal with this for years to come like me. Be cautious and avoid them at all costs.

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 2023-05-09 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: NY

Complaint narrative:
I recently accessed my credit report because Im in the market for a house and I see two fraudulent accounts on credit report. The following accounts are to be removed immediately ; XXXX XXXXXXXX XXXX and XXXX XXXX. Never had either of those accounts they are an act of fraud.

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 2023-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I need guidance from Department of Education on the separation process for my spousal consolidation loan. I intend to separate the loans but I do not have any guidance on how to make it happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: IL

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. 


Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-09 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:
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. 


Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 1

5 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 explanation
Consumer complaint received 2023-05-09 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: CA

Complaint narrative:
ON XX/XX/2023 I contacted TransUnion, XXXX, and XXXX and explained how my consumer rights were being violated when it comes to reporting transactions. Both XXXX and XXXX removed the account with XXXX XXXX XXXX XXXX XXXX XXXX. So I then sent a 2nd letter to TransUnion explaining that my rights were being violated. 


You must follow the law 15 USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15 USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. 

Transunion still is reporting the account and I also got a letter from XXXX XXXX bank stating their company policy is to report all payment histories. 

TransUnion is not reading the laws and they need to be informed. Please do so and remove this account from 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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FLORIDA HOME TRUST MORTGAGE

Complaint narrative:
Hi, I'm XXXX XXXX XXXX from La XXXX, XXXX XXXX, XXXX. Recently, I founded a company in Wyoming called XXXX XXXX ( XXXX XXXX ). Since the company was in process, I was trading with an account in XXXX in XXXX XXXX without any problems for about three months. However, when I accumulated more than {$10000.00}, they froze my account and asked me to send them proof of the transactions. I sent them evidence showing the item sold and the selling price that corresponds to the money that entered my account, but they haven't responded to me for more than 5 days. I need the money to work and fund my company. How can I recover my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2005 Wells Fargo wrongfully foreclosed on my home at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX TX XXXX while I was in the process of doing a loan modification. When I received the loan modification paperwork, it was missing the cover letter to tell me how much I needed to pay to get the modification in place.

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 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This is the third company that has tried to collect this Zombie incorrect debt from me. The last was handled by the CFPB on my behalf from XXXX XXXX, who it looks like sold the " debt '' to Creedance. They have killed my credit report and refuse to validate the debt. 

There is no basis for the debt and I have never had an account with creedance. Two former collections agencies have failed to validate the debt properly and I am sure Creedance is unable as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: CA

Complaint narrative:
By the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my credit report. There's an account that is written as a CHARGE OFF ACCOUNT but failed to receive the XXXX cancelation of debt form, because of that this account is inaccurate and needs to be removed from my credit report immediately. As well as several violations made reporting incorrect name variations. incorrect address variations, and incorrect late payment variations. One or more of these violations violate my right to Privacy. These violations must be removed from my credit profile Immediately. I have reached out to all 3 credit bureaus XXXX, Equifax, and XXXX via certified letters and also provided proper identification to prove my identity yet have received no update or change to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: TX

Complaint narrative:
this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital System added a fraudulent collection to my account and couldnt verify ownership to that collection account upon calling them

Company response to consumer: Closed with explanation