vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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:
in accordance with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 in accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 2022-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
DEPT OF ED AND XXXX BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. XXXX HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE. 
USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
DEPT OF ED AND XXXX BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. XXXX HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE. 
USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: MO

Complaint narrative:
DEPT OF ED AND XXXX BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. XXXX HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE.

USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
In XXXX, Credit Acceptance used XXXX XXXX to be repossessed my personal vehicle after ..... 
XXXX. Not Validating Debt pursuant 15 USC 1692G 2. Not responding to affidavits that addressed clear violations to Truth in Lending, found in documentary evidence/contract.

3.Pretending to be lawyer and debt collector via correspondence. Violating 15 USC 1692e.

4.Refusing my right to rescind this transaction, pursuant 15 USC 1635 Right of recission as to certain transaction.

5. Not disclosing to me of my right to rescind this transaction.

6. Making me pay to retrieve my personal items once my vehicle was repossessed.

7. Claiming they could reinstate the contract after I had to pay to retrieve my personnel items during repossession. The very same act CFPB found XXXX guilty of and punished for. 
8. Violated 15 USC 1666b Timing of Payments 9. Violated 15 USC 1666a Regulation of credit reports 10. Violated 15 USC 1605 Determination of a finance charge

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 monetary relief
Consumer complaint received 2022-03-17 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:
XXXX XXXX opened a Fraudulent Account in my name in the amount of XXXX on XX/XX/2019. This Account is a result of Identity Theft and I didn't Authorize this account to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: CA

Complaint narrative:
XXXX XXXX opened a Fraudulent Account in my name in the amount of XXXX on XX/XX/2019. This Account is a result of Identity Theft and I didn't Authorize this account to be opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to 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 non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
" I have several hard inquiries on my credit report, I've sent several disputes, these inquiries are fraudulent and I want them removed. '' Quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am trying to remove the extended Fraud Alert From TransUnion three times by sending them a letter to remove it with my ID and proof of address. They are not removing it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northwood Asset Management Group
State: CA

Complaint narrative:
On XX/XX/2022, I spoke to a XXXX from Northwood Asset Management Group regarding monthly charges that were being automatically deducted from my checking account for an alleged debt to XXXX XXXX. I authorized her to take a ONE-TIME payment of {$1000.00} and requested that they provide me with an accounting of any and all payments made on this alleged debt as well as the original paperwork from XXXX XXXX. Once this was received by them, I would be able to confirm what was actually paid or owed. Instead, I received a simple XXXX  spreadsheet showing payment to them ( NAM Group ) rather than all payments made on the loan. When XXXX called me this past Tuesday, XX/XX/2022, I explained to her that although I received the email from them ( sent by an XXXX XXXX who I have never spoken to nor do I know ) I had not had an opportunity to look at it yet. Now today, they have resume UNAUTHORIZED debits in the amount of {$440.00} from my checking account. I have already reported this to my bank as fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I Would like my credit file corrected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IA

Complaint narrative:
In the process of refinancing my mortgage, I realized that I am still being charged for private mortgage insurance. My mortgage reached 78 % LTV in XX/XX/XXXX and should have been subject to the automatic termination clause of the Homeowners Protection Act at that time. Unfortunately, that did not happen and over two years later, I am still being charged {$10.00} per month for PMI. 

I have attempted to resolve this with SLS, but despite numerous phone calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I am no closer to a resolution. They are refusing to remove the PMI without a valuation and will not acknowledge the 26 months of PMI payments I have made after it should have ended. My calculations show that they currently owe me {$280.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I would like my credit corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: VA

Complaint narrative:
In 2015, I bought a 2015 XXXX financed by XXXX that was taken over by WESTLAKE FINANCIAL later on.

Unfortunately, services provided by WESTLAKE FINANCIAL are not performed well, it is somewhat predatory for lacking effectiveness and honesty in customer service; henceforth, it is inadequate because I am trying to pay off my loan and can not have anyone to go over real details with me.

All calls placed have been answered by overseas third-party companies that offer a somehow robotic treatment and can not direct my real concerns because they are not culturally prepared to serve customers in the USA, and do not know how to handle issues that are off their manuals. Today, I have spoken to 11 different people from varied departments, and no one knew what to do.

Therefore, I am disappointed because I called WESTLAKE a month ago when a representative told me I did not have insurance in 2015 and had to provide them with a letter from XXXX to prove coverage always existed. The representative also told me that once I had provided them with proper documentation and proof of insurance, I would have U {XXXX} waived from the total loan amount owed. As I was instructed by the WESTLAKE representative, I sent an email to XXXX with the XXXX policy information attached to confirm the insurance proof would act as a waiver towards the predatory total owed to WESTLAKE.

Note that, not only I could not still pay off the loan with the waived fee granted by WESTLAKE, but my total amount has been increasing by the day. This type of business leads people to mental health problems, debt, low quality of life and poverty, not to mention this kind of business procedures do NOT make XXXX great at all. This is a predatory business, with underqualified customer service outside the XXXX who do not disclose information clearly and mislead customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was approved for a XXXX XXXX Credit Card through XXXX in or about XX/XX/XXXX. This account was reported on all 3 Credit Agencys including equifax. As of XXXX, XX/XX/XXXX, i pulled all 3 reports from XXXX, Equifax and XXXX. I noticed the XXXX XXXX XXXX credit card is no loner on my file with equifax even though i have previous reports showing XXXX XXXX was reported to equifax monthly. 

Last XXXX of the Credit Card is XXXX This Account with XXXX XXXX XXXX needs to be fixed immediately and added back onto my equifax credit profile as it should have never been wrongly removed. 

Im attaching an XX/XX/XXXX Equifax report that shows XXXX XXXX XXXX in the report, and todays Report XX/XX/XXXX where XXXX XXXX XXXX bank is no longer showing. 

This is an active account and should of never been removed. 

I reserve all rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
In XXXX of 2021 per First Tech instruction I sent a letter to this address reporting an update to my address. This address was provided by my local branch. 
First Tech Credit Card Payments XXXX XXXX XXXX XXXX, OR XXXX My Address was not updated correctly and at this point due to a First Tech error I stopped receiving my statements from them. I pay my bills based on the statements I receive and since due to this error I never received a statement indicating anything was owed to First Tech. 

Upon seeing that I had a " past due '' I went to my local branch off of XXXX XXXX and spoke to XXXX XXXX. XXXX informed me that the address was not changed properly and that he was able to see the updated address when I called in XXXX after I saw my credit report effected. He apologized on behalf of First Tech for their error and let me know that he would speak to the proper department to get my credit report corrected since this wasn't my error and in fact a First Tech error. 

I heard back from XXXX about a week later and he was happy to inform me that my credit report would be corrected within 30 days and that he had credited all late fees due to the bank error. 

Upon recent review of my credit report the late payment for XXXX is still showing and had not been properly corrected. I was promised multiple times by First Tech and XXXX that this would be corrected. I have now waited patiently for months and this still has not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I do not know how this is going on but I have a large number of inquiries on my credit report from multiple banks and finance companies That I did not do. 
I have frozen my credit reports on all three credit reporting agencies but yet the inquiries continue to come. 
On XX/XX/XXXX I went to my bank and was denied Credit because of a large number of inquiries. 64 on TransUnion alone! XXXX to today. 

XXXX. XXXX Dispute Submitted XX/XX/XXXX Dispute Completed XX/XX/XXXX I have put in a dispute with XXXX about this problem and their automated response was quickly returned - in less then 24 hrs after - that inquiries stay on the report for two years. ( XXXX XXXX reported ) XXXX XXXX did do the right thing and tried to help BUT! I'm back @ XXXX with them. 

3. TransUnion Dispute Submitted TransUnion also informed me That inquiries stay on the credit report for up 2 years. 
They then told me to file a report with the FTC and mail said report back to them and then they can be removed. the FTC website pushed me to this page and here I stand Help! 
Thankyou XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX H XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 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: MOHELA
State: MO

Complaint narrative:
DEPT OF ED AND MOHELA BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. MOHELA HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE. 
USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation