vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: NV

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 non-monetary relief
Consumer complaint received 2023-08-20 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: NJ

Complaint narrative:
On XX/XX/23, I wrote Experian regarding multiple incorrect items on my consumer report including an address listed without the apartment number, and incorrect name, and an incorrect account posted on my report. Since then, they have closed and taken off ( 4 ) account in which I linked with Experian boost causing my credit score to drop XXXX points due to this error. I have sent out an additional certified mail today to be delivered this week stating that I am at this time in the steps of pre-arbitration. If Experian chooses not to contact me to resolve this record in 30 days, I will be forced to initiate arbitration with Experian. 

I can be contacted via email. 
I have attached the necessary files for your records. 
Thank You, 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 2023-08-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 section 604 A subsection 2 also states that no consumer reporting agency is aloud to furnish an account without my written consent 15 U.S.C 1681 c. ( A ) ( 5 ) also states that no consumer reporting agency may make any report for any items other than records of conviction of crimes Account # XXXX XXXX XXXX  for a late payment in XXXX of XXXX Account # XXXX XXXX  XXXX for a late payment in XXXX of XXXX Account # XXXX XXXX XXXX  ( XXXX XXXX ) for a collection of {$700.00} There are also accounts that I was not able to get the account numbers for that I also believe have violated my rights. These accounts include any hard inquiries or student loans that are currently 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 2023-08-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights.

15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 section 604 A subsection 2 also states that no consumer reporting agency is aloud to furnish an account without my written consent 15 U.S.C 1681 c. ( A ) ( 5 ) also states that no consumer reporting agency may make any report for any items other than records of conviction of crimes Account # XXXXXXXX XXXX XXXX for a late payment in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a late payment in XXXX of XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX ) for a collection of {$700.00} There are also accounts that I was not able to get the account numbers for that I also believe have violated my rights. These accounts include any hard inquiries or student loans that are currently 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 explanation
Consumer complaint received 2023-08-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

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 2023-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
In the past 3 years since we purchased our second house our mortgage servicer has changed 3 times, twice within the last year alone. The new servicer, PHH Morgage, charges an outrageous fee to pay online, {$7.00} to pay online or {$17.00} to pay by phone. This is well over what actual transaction fees would cost them, around XXXX cents per transaction, so they profit {$7.00} per transaction per customer for absolutely no good reason other than to make it convenient for the servicer because XXXX forbid the customer be convenience, they can't even email a payment conformation to you. None of the other servicers had such fees. It's abhorrent to XXXX people 's wallets for something in which they have NO choice over. Consumers can not choose who services their mortgage so we get stuck with XXXX companies that charge ridiculous fees just for the pleasure of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: NC

Complaint narrative:
Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed multiple times with XXXX  XXXX to delete the closed credit card account due to XXXX  XXXX violating XXXX XXXX COMPLIANCE I have paid the account but XXXX  XXXX refuses to delete the closed credit card account

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 2023-08-20 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: NC

Complaint narrative:
Between the dates of XX/XX/XXXX - XX/XX/XXXX I have disputed multiple times to have the closed XXXX XXXX account deleted due to XXXX XXXX not following METRO 2 COMPLIANCE Account has been paid but XXXX XXXX refuses to do a pay for deletion

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 2023-08-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Between the dates of XX/XX/XXXX - XX/XX/XXXX I have disputed multiple times to have the closed XXXX XXXX account deleted due to XXXX XXXX  not following METRO 2 COMPLIANCE Account has been paid but XXXX XXXX  refuses to do a pay for deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: SC

Complaint narrative:
I have disputed this collection with the major credit agencies, This company removed the collection and reported it again under another collection agency with a very similar name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I HAVE CONTACTED THE CREDITORS LISTED BELOW ABOUT THESE UNAUTHORIZED INQUIRES. I HAVE ALSO CONTACTED THE CREDIT REPORTING AGENCIES ABOUT THESE UNAUTHORIZED INQUIRES. BOTH TO NO AVAIL. THIS IS A VIOLATION OF MY RIGHT TO PRICVACY AND THE FCRA ... ... ... ... ... ... ... ... ... ... ...... 

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 2023-08-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/2023, I sent Midland Credit Management a letter of debt validation under 15 USC 1692g for an alleged debt of the amount {$610.00}. They keep reporting it each month too as a new collection. I have the receipt where I sent it certified mail green return receipt. They received my letter sent to them on XX/XX/2023. They sent back the green return receipt, but failed to send me a response to prove that the debt belongs to me. They never sent me a model form b1 and parked an account with an alleged debt on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed multiple times with Capital One to delete the closed credit card account due to Capital One violating XXXX XXXX COMPLIANCE I have paid the account but Capital One refuses to delete the closed credit card account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: SC

Complaint narrative:
This debt collector is trying to collect on a service that was paid by my dental insurance company in XXXX of 2021. I did pay the co-pay the day of service and service was processed through the dental company and was rendered same day. I have disputed this inaccuracy multiple times. The collection agency just removes temporarily and puts it back on my credit report under a different collection agency with a very similar name each time i dispute it. it is also reporting as an open account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: IL

Complaint narrative:
There is an error being reported on my credit file from the creditor XXXX The account is being reported 30 days late in both XXXX and XXXX. My payments are {$32.00} per month. I pay more to cover the next month sometimes, which was the case in XXXX. However, the late is being reported when I never was more than 30 days late for neither XXXX, XXXX or XXXX ( see receipt copies ). Please assist with correcting as this is having a very negative impact on my credit 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 2023-08-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is an error being reported on my credit file from the creditor XXXX The account is being reported 30 days late in both XXXX and XXXX. My payments are {$32.00} per month. I pay more to cover the next month sometimes, which was the case in XXXX. However, the late is being reported when I never was more than 30 days late for neither XXXX, XXXX or XXXX ( see receipt copies ). Please assist with correcting as this is having a very negative impact on my credit 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 2023-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Hello and To Whom It XXXX Concern, I had bought a vehicle from XXXX in XXXX of 2019. My loan was the lender Bridgecrest XXXX. I had made regular payments and extra payments through XXXX of XXXX it was illegally repo for allegedly failing to make payments. It was impounded and I was told I would have to pay for it from the Auction company copart. I was not able to and the lender has put this on my record as a repo and continually harassed me to repay the debt. I have included copies of all the payments that were made and correspondence from Bridgecrest XXXX, I do not know if I should take them to court or how to proceed it is very discerning because this happened at a time during the pandemic when it was difficult to find a lawyer, many agencies were closed and this has severely hurt my finances. Thank you for investigating this matter for me.

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 2023-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC
State: NJ

Complaint narrative:
Good day, I am a former XXXX by XXXX XXXX under the XXXX  XXXX As a result of XXXX selling all their XXXX stores earlier in the year, many XXXXXXXX were terminatedXXXX Due to these circumstances, the company gave me a severance package. This allowed me to be comfortable for the foreseeable future. They also approved my unemployment which I decided to put all my funds into my XXXX  money account and saved it since I didn't need to use those funds and I was trying to keep that for a rainy day. Earlier in the year I lost my phone ( somebody took it ) I reported it to my insurance company. Unfortunately I had all my cards on XXXX XXXX with all my sensitive information under then notes app. A couple of days ago I noticed this and reported it to the bank but they have yet to return my funds. Its not right that theres no fraud department that can see these transactions happening and flag them before leaving somebody without any savings. They are one of the worst companies when it comes to these situations according to myself and the general review of the company. These are federal funds from my unemployment and theyre not making themselves responsible for this. Somebody please help?

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 2023-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I can no longer participate with my current repayment plan because the Navient student loan services change the terms and conditions. In addition, I was comfortable paying XXXX XXXX  monthly but after XX/XX/2023 I need to pay the full amount with no option using forbearance and higher interest rates. These options make it impossible for me to repay the loan back with my current salary.

Company response to consumer: Closed with explanation