vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 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: MI

Complaint narrative:
On or around XXXX XX/XX/2023 I filed CFPB complaint XXXX. The complaint was regading a creditor that reported inacurate and unverifiable information regrading my private student loans that resulted from engagement in unlawful, unfair, and abusive practices. I provided documentation, which clearly identified the firm, and matches the account/tradeline ( s ) for which my complaint was directed. Rather than remove the account ( s ) /tradeline ( s ) for the private student loans, TransUnion removed the account ( s ) /tradeline ( s ) for my federal student loans. How it is possible for that to happen is beyond me as the two ( 2 ) sets of student loans are serviced by entirely different entities. As a result, my credit score decreased, which subjects me to further hardship and difficulty in finding housing. So, now I am stuck with the worst outcome in having the unlawfully reported derogatory information for my private student loans in my credit file with TransUnion while, while the factually accurate data for for my federal student loans, which has reported accurately has been removed for the past seven ( 7 ) years. This has been extrodinarily difficult already because the firm supplying the unlawful and unverifiable information is largely responsible for the serious decrease in credit score to begin 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 2023-06-08 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:
In accordance to 15 USC 1681 section 602 ( a ) states I have the RIGHT TO PRIVACY. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX in the amount of {$930.00} XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$250.0XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX in the amount of {$600.00} XXXX XXXX XXXX XXXX  Account # XXXX in the amount of {$1200.00} in the amount of {$970.00} are in Violation of the LAW. 

15 U.S.C. 1681 section 602 ( a ) section ( 2 ) A consumer reporting agency can not furnish an account without my written instruction 1681b. Permissible Purpose of consumer reports ( a ) In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer, to whom it relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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 to 15 USC 1681 section 602 ( a ) states I have the RIGHT TO PRIVACY. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX in the amount of {$930.00} XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$250.00} XXXX XXXX XXXX XXXX Account XXXX XXXX in the amount of {$600.00} XXXX XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$1200.00} in the amount of {$970.00} are in Violation of the LAW. 

XXXX5 U.S.C. 1681 section 602 ( a ) section ( 2 ) A consumer reporting agency can not furnish an account without my written instruction 1681b. Permissible Purpose of consumer reports ( a ) In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer, to whom it relates.

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 2023-06-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CENTRAL BANCOMPANY, INC
State: IA

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX was repossessed. I have not been contacted by the bank for any " missed '' payments. I contacted the bank right away and was told the last couple of months i have made partial or no payments ( i have bank statements and proof of withdrawal from my bank that the full payments were made ) The Central Bank XXXX XXXX XXXX who owns the lease then stated they would not have information about how much to regain ownership of the vehicle or where the vehicle was located for 48 hours but i would be responsible for tow storage fees. I contacted the bank again on XXXX again for information and the phones were down for hours and I couldn't get in contact until about XXXX where I spoke to someone at the branch who said someone would reach out to me and nobody did. on XXXX i got ahold of the right department and was told the vehicle would be the full residual balance to get the vehicle back of {$15000.00}. i was told there were missed payments from XXXX and XXXX which i have proof from the bank payments were made, i was told i can still fax over that proof but that will not help get the vehicle back and it will still be repossessed.

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 2023-06-08 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: PA

Complaint narrative:
I logged into my Equifax account with my name and social security number to find that my name had been changed to a name that is not mine. In addition to my name being incorrect, my social security number, my address, birth date, and occupation are all incorrect. All credit cards listed are not mine except for one. First, I called Equifax and explained my situation. Equifax asked me to fax them a letter, a copy of my driver 's license, and a copy of my social security card. I did that, and the sent a letter to me saying they could not verify my identity. I confirmed that my identity is mine with the Social Security Administration and that my social security number is not tied to anyone but me. I opened a dispute through the CFPB to have this fixed. Equifax asked for me to mail them copies of my driver 's license and social security card. I mailed them to Equifax. Equifax then changed my social security number on my account, but did not resolve any other issue. Equifax then closed my case with the CFPB although my problem was not resolved. XXXX has all of my information listed correctly. My identity is easily verified by the Social Security XXXX. I do not understand why Equifax can not fix this issue. I want my information to be listed correctly on Equifax and my credit report. I do not want someone else 's account affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: CA

Complaint narrative:
My personal information was stolen in 2023, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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.

The letters are stated with items and issues.

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 2023-06-08 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:
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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I am writing because I feel Freedom Mortgage is intentionally delaying my loss mitigation application. The lack of attention to detail and servicing has delayed my application to the extent that I have lost eligibility for several XXXX XXXX XXXX mortgage assistance programs. 

I have now submitted the loss mitigation application and supporting documentation on 4 different occasions. My first application was submitted XX/XX/2023. I have submitted documents per the request of their loss mitigation specialist on the following dates : XX/XX/2023 XX/XX/2023 XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have received no less than 3 separate letters in the mail stating my application was incomplete with a due date to submit the missing documents but the letter arrive 15 days after the due date. 

I call the loss mitigation line once a week and have been given incorrect or misleading information each time. 

Freedom mortgage is refusing to offer mortgage programs that would allow me to place the balance owed at the end of the loan and maintain the current interest rate. 

These delays are intentional to force me into a longer loan term and higher interest rate to the benefit of the mortgage company. 

I have provided duplicate documentation repeatedly and with every weekly call am told that I have missed a document. I have asked for supervisor review of my application twice without a response from anyone. 

I have asked that ll correspondence be sent via email and letters continue to arrive late via USPS. 

The mortgage company claims to support veterans and their families but obviously do a very poor job of providing service to the less than 1 % of the their customer base.

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 2023-06-09 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: CA

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 XXXXXX/XX/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 2023-06-08 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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and 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 explanation
Consumer complaint received 2023-06-08 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: IN

Complaint narrative:
Please update it and remove the Inacccurate late payment on my account and 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 2023-06-08 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: MI

Complaint narrative:
My Fair Credit Reporting Act Consumer Rights have been violated. I did NOT give any consumer reporting agencies WRITTEN permission to furnish anything on my consumer credit reports nonetheless, INCORRECT information. Each consumer reporting agency has assumed the GRAVE responsibility for furnishing correct information once given 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 2023-06-08 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: MI

Complaint narrative:
My Fair Credit Reporting Act Consumer Rights have been violated. I did NOT give any consumer reporting agencies WRITTEN permission to furnish anything on my consumer credit reports nonetheless, INCORRECT information. Each consumer reporting agency has assumed the GRAVE responsibility for furnishing correct information once given 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 2023-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have sent a notarized and certified notice of Validation of debt to Capital One Attn : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX VA XXXX the end of XXXX of this year. I received a generic letter back dated XX/XX/2023 without reference of a signature stating ; " We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. '' They are aware of Fair Debt Collection Practices Act, in addition to my home state laws regarding debt collection practices. Under such laws, I am asserting my right to receive the following information to my requests. 

The company took an adverse action by closing my account in retaliation because I ask for validation of debt which again I am entitled to by law and Fair Debt Collection Practices Act and Federal Trade Commission. My information to being shared with a third party creditor such as XXXX XXXX and the 3 credit reporting bureaus without my consent. My credit limit with Capital One was {$2500.00}. They are reporting I owe over {$4000.00} which is incorrect. They are also reporting the increase and decrease the credit usage without my consent. I have opted out of them sharing any information and they are in violation

Company response to consumer: Closed with explanation