vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I went to a local car dealership in XXXX. Which to my guessing they pulled my credit report multiple different times. Including XXXX individual hard inquiries. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation ( I did a deput XX/XX/2022, XX/XX/2022 ) As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies is in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 

Accounts Account XXXX : XXXX Account XXXX please remove it from my credit report. 
Account Name : XXXX XXXX XXXXXXXX v t Number : XXXX please remove it from my credit report. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX remove it from my credit report. 
Account XXXX : XXXX Account XXXX : XXXX please remove it from my credit report. 
Account name XXXX XXXX  account XXXX remove it from my credit report. 
Thank you for your time and help in this matter.

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 2022-06-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation ( I did a deput XX/XX/2022, XX/XX/2022 ) As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies is in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 

Accounts Account XXXX : XXXX Account XXXX please remove it from my credit report. 
Account Name : XXXX XXXX XXXXXXXX v t Number : XXXX please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX remove it from my credit report. 
Account XXXX : XXXX Account XXXX : XXXX please remove it from my credit report. 
Account name : XXXX account XXXX remove it from my credit report. 
Thank you for your time and help in this matter.

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 2022-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-25 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: FL

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. I saw on a Credit Site and Board where this lawyer said you have XXXX  days to complete this investigation ( I did a deput XX/XX/2022, XX/XX/2022 ) As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies is in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 

Accounts Account XXXX : XXXX Account XXXX please remove it from my credit report. 
Account Name : XXXX XXXX XXXXXXXX v t Number : XXXX please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX remove it from my credit report. 
Account XXXX : XXXX Account XXXX : XXXX please remove it from my credit report. 
Account name : XXXX account XXXX remove it from my credit report. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: FL

Complaint narrative:
The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal and they also violated my rights under 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK 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 2022-06-25 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: PA

Complaint narrative:
I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  XXXX Balance : {$330.00}

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 2022-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
This is a follow-up about my original complaint # XXXX. 

Please see the new attached mortgage statement from SLS. This is worst than a fraud. 

This is very concerning to us because we just received a bogus outstanding principal balance statement from Specialized loan servicing and XXXX XXXX. To that point, we really don't know who hold the title of our mortgage. On XX/XX/2022, we were required to pay a lumpsum of {$42000.00} by SLS and we were told to wire the money to XXXX XXXX. We did wire that money.

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 2022-06-25 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:
The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal and they also violated my rights under 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: FL

Complaint narrative:
The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal and they also violated my rights under 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK 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 2022-06-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Very dis harden and meet with severe disappointment, Ive wrote the credit bureaus well over 45 days ago asking that they take great looks into my credit profile I have several inaccuracies and fell that me bruh a woman in America I am being taking advantage of, I understand we are at a climate in America where the rights of women are being taking away by them in a blink of a eye. I ask that you come to the aid of a American tax paying citizen. Not only am I righteous I am right, I need Help in assistances I am boring taking advantage of

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 2022-06-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Very dis harden and meet with severe disappointment, Ive wrote the credit bureaus well over 45 days ago asking that they take great looks into my credit profile I have several inaccuracies and fell that me bruh a woman in America I am being taking advantage of, I understand we are at a climate in America where the rights of women are being taking away by them in a blink of a eye. I ask that you come to the aid of a American tax paying citizen. Not only am I righteous I am right, I need Help in assistances I am boring taking advantage of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. # 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 XXXX XXXX XXXX. # 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 explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: IL

Complaint narrative:
this the only bank i know refuse me a credit, while im dispute. i have to file a federal complaint. its a standard to assist customers at most banks, XXXX provisional credits but Credit Karma, w/ XXXX XXXX, has me needing to take this route and disclose more far reaching and to masses. the reps at Credit Karma are telling customers they refuse provisional credits to protect themselves, but that hurts the consumer. a Consumer Financial Protection report is needed here because they protect fraud w merchants and themselves, but not the customer in valid dispute. i want the measly {$50.00} provisional credit as is standard w banking, immediate, not after their initial 10 day investigation before this is considered. what a subpar conundrum i just found as new cust to this product and service at Credit Karma. here i thought to use this serv and name, for consumer protections, yet, they aid merchant rip off, then its " furthered consumer harms, they say, to protect themselves? is this at XXXX bc i need those trusting what i thought as reputable name brand, to know theyre the least likely to aid/protect consumer, 10 business days/ 14 calendar days in a dispute... they still holding that? until my direct deposit? ill b ending this use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS NOT A DISPUTE. EXPERIAN BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EXPERIAN ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).

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 2022-06-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I checked my Equifax credit report in the last 24 hours, only to find that my birth date ( the day of the month that I was born ) is incorrect by one digit. ( See page 7 of the attached. ) Please help me to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has been harassing me and my co-signer grandmother whos XXXX and In a XXXX XXXX  and threatening legal action against her even though my account has been in forbearance for most of the last two years due to Covid and reduced income. They have called and sent letters incessantly, so much so I got a new phone number. Now they call me on a number I never gave them, and called my mother recently- telling her to make a payment when shes neither on the loan or a co-signer for the loan!!! they should not and did not EVER get permission to contact her let alone find her information however it is they did that. I have no idea how they got her number or my new number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 2022-06-25 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
identity theft fraudulent accounts

Company response to consumer: Closed with explanation