vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
We are asking your agencys help in discerning why there is a {$40000.00} discrepancy between our HUD-1 ( from the calendar year XXXX sale of our family home at XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX and the Form XXXX for calendar year XXXX as reported to the IRS. We have attached Form 1098s covering calendar years XXXX - XXXX We have made several attempts for MR Cooper to respond to our very legitimate concerns. And have yet to receive any response. The company lied to this agency in responding to our previous request for assistance. At the time of our previous request ( XX/XX/XXXX ), we did not have the Form 1098 covering calendar year XXXX which shows an outstanding mortgage balance of {$40000.00} lower than that which was reported on the HUD-1 , covering the sale of our family home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). How can you say it was already processed when I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I have a XXXX XXXX XXXX  with XXXX. On XX/XX/2023 I was in XXXX XXXX when my card declined for my rental car deposit. This did not make sense, as I had paid off my card earlier in the month and should have had plenty of credit to cover the charge. 

I called XXXX and was told that my credit limit had been lowered that morning due to " derogatory information on my credit report ''. ( No notice of this change was sent to me until the following day, XX/XX/XXXX, via email. ) When I insisted that no negative entries existed on my credit report, I was told that I had late payments and to contact Equifax. 

Upon returning, I contacted Equifax on XX/XX/XXXX and obtained the credit report attached. The Equifax representative ( and a supervisor I spoke to ) stated that there were no late or missed payments on my credit report, nor any other derogatory information of any sort. This was also confirmed by the copy of my Equifax report I downloaded that day ( attached ). My XXXX FICO score with Equifax was XXXX on that day ( currently XXXX ). 

I then called XXXX and spoke to a representative and then a supervisor. I explained the situation, and was told that I would have to dispute any wrong information with Equifax. However, there was no incorrect information showing on my Equifax report, so there was nothing I could dispute with the credit bureau. I also pulled up XXXX XXXX  FICO score page on my XXXX account, and it showed that the FICO score they were using was XXXX ( currently XXXX ) and that my score was reduced due to late or missed payments ( attached ). The supervisor I spoke to ( XXXX, employee ID XXXX ) stated that he would submit a review request to the XXXX XXXX department to investigate the discrepancy. 

As of today, XX/XX/XXXX, I had not gotten any response from XXXX on this review, so I again called and spoke to a supervisor ( XXXX, employee ID XXXX ). XXXX stated that a review had been done and nothing had changed. When I asked why the XXXX FICO score page states that my score is reduced due to late or missed payments that Equifax does not show, XXXX said that I would have to dispute the information with Equifax. ( However, as stated, I can not dispute information that does not exist at Equifax. ) XXXX stated that XXXX would not provide me any further information about where this derogatory information currently exists. Therefore, I am requesting that CFPB require XXXX to explain where they are obtaining erroneous information on " late or missed payments '' on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I have sent over requests for validation, that come back as verified, that have not followed 15 U.S. Code 1692g. Most recently, I sent over my final request, which asked for a notarized account ledger, which was received on XX/XX/2023, by at XXXXXXXX XXXX, and I have yet to receive any correspondence back from them with the requested information, which states that it is not a refusal to pay, but a validation of the debt is needed to go forward.Due to the fraud that has occurred, at the expense of the illegal disclosure of my information, I am checking all accounts for their validity. I have also disclosure in the up-to-date notarized letter that they shall receive, that I have not given authorization to provide my information with a 3rd party, as that is a direct violation of my privacy. 

Codes 15 USC 1692 ( f ) and 15 USC 6802 ( b ) should be consulted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Equifax, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Type of Business : XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: IL

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : Account # XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : Account # XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2023-05-25 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX  XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$18000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXXXXXX 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 2023-05-25 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX {$18000.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: LA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-05-25 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Section 609 ( a ) ( 1 ) ( A ), [ 15 U.S.C. 1681g ] section 607 [ 15 U.S.C. 1681e ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX contacted my husband about my deck collection. My name is XXXX XXXX. They told my husband the amount of the debt and what I owe with interest and try to make a deal with him to pay a lesser amount. This is not my husbands debt. It was my credit card. they went against the law to talk to my husband about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
Fair Collections and Outsourcing sent me a collection letter to let me know an apartment complex I lived in before had placed on my name. When I reached out to FCO to find out they had no idea what this collection was for. I had paid a deposit to " Suredeposit '' when I first moved into this building and if anything happened at the end, I was supposed to pay that company any difference. There was no damage to the apartment as I had the carpet washed and all wall repainted. This collection was supposedly to replace the carpet. When I talked to FCO 's agent, XXXX XXXX, she said that she was not sure why that collection was sent to them before me being told about the debt. It's only a {$450.00} but the amount is not the problem, the problem is that when I applied for a place XXXX months ago, I was DENIED because of this collections since it's a " apartment rental '' related collection. Though this was for a carpet, when people look at it, they only see where it comes from and it could be a number of things such as unpaid rent, or utilities, which is not a good look for other apartment rental companies. 
Now to make things worse, last month around XXXX XXXX, they reported another collection on my credit reports on all XXXX bureaus. This new collection was a new account but this time the creditor is the apartment complex, for the same amount, {$450.00}. when I spoke to this XXXX XXXX, she also mentioned that this account was owed to them and also to the building. So now, they're trying to double dip XXXX collections for XXXX with different collection account, from XXXX different places. XXXX also mentioned that this seemed to be wrongfully reported and that she would check and would get back in touch with me within a couple days. I have never received any more letters from FCO since this call. Only action taken from them was reporting that second account to the credit bureaus. This move was extremely shady. I disputed these account with all XXXX bureaus and they deleted XXXX, but the other one still remains. 

This malicious reporting and Fair Collections and Outsourcing seems to be trying to only damage people livelihoods as I can not get a place to live because this collection is on my 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 2023-05-25 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: CA

Complaint narrative:
Through borrowers defense to repayment my balance was reduced to {$57000.00}. XXXX hadn't updated my credit score since XX/XX/XXXX. On XX/XX/XXXX XXXX updated my credit report dating back to XX/XX/XXXX saying I owe $ XXXX over 40 accounts due XX/XX/XXXX. This dropped my credit score by 31 points and has resulted in adverse actions being taken by other creditors

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 2023-05-25 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: FL

Complaint narrative:
I want to file a complaint to EQUIFAX. As per the Fair Credit Reporting Act everything must be 100 % precise on my credit report. My account was properly investigated by the credit bureaus, but how is that possible when the open date,, balances, date of last activity, and date of the last report are all incorrect? This ground for evacuation they likewise abused my freedoms. 

I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A. Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account. Additionally, it took the credit bureaus more than a month to finish my investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: GA

Complaint narrative:
I have retained a copy of my credit report and noticed that Transunion has seriously breached my consumer rights to privacy. Transunion you have negligently furnished my report without permissible purpose. I have never provided Transunion with written consent to report my personal information to XXXX XXXX and XXXX XXXX which you have falsely affirmed. Furthermore, you are also reporting information that is incomplete and inaccurate which does not comply with Section 609 of the FCRA. TransUnion 's your improper and unreasonable procedures are highly damaging to my personal and credit worthiness. Transunion you are also in violation of 15 US Code 1681c for non compliance. Transunion has failed to provide me with notice that they disclosed the contents of my credit report to a 3rd party and creditor which I have no obligations or agreements with.

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 2023-05-25 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX  XXXX reference # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
After speaking from XXXX XXXX and XXXX XXXX from Credit Collection Services ( CCS ) on XX/XX/2023, I am submitting proof of payment ( for which CCS has a internal record of payment ) for the {$210.00} already made ( Conf. # XXXX ). An internal audit of CCS by the CFPB will demonstrate that indeed this bill was already paid after some adjustment to the account ( A credit of {$630.00} being made on XXXX after the initial {$210.00} was made to CCS on XXXX ). In any case, CCS is attempting to bill me in XX/XX/2023 a SECOND time for a bill that was already satisfied in XX/XX/2023. NOTE : All of the calls from XXXX have been recorded and can be reviewed as part of the audit process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: VA

Complaint narrative:
In a accordance with fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 1681 s-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 their information is inaccurate Someone needs to hold them accountable for this the credit bureau have no respect for the laws.

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