vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-26 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal 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 a account without my written instructions. Also the credit bureaus took more then 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal 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 a account without my written instructions. Also the credit bureaus took more then 30 days.

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 2022-06-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 15 U.S. Code 1681After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), 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 in accordance with paragraph ( 5 ), 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 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 2022-06-26 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2022-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: IL

Complaint narrative:
Hi, I have a debit/checking account with Discover Bank XXXX I received a fraud notification from them via email Friday ( XX/XX/XXXX ) evening and they advised me my account was frozen and I need to contact them at XXXX. I immediately tried to view my account on the mobile app and also my web browser but the account is not displayed and I simply see a warning to call them. I promptly called the XXXX # and it said there was a higher than expected call volume and the hold time was 3 hours. I waited on hold for a bit and was disconnected. I tried back first thing Saturday ( XX/XX/XXXX ) morning and I was routed to another department that couldn't assist because I needed to talk to security and they open in 45 minutes. I promptly called back at the 45 minute mark ( XXXX XXXX  CST ) and I received the same " greater than 3 hour wait '' message. I tried back half a dozen times during the day on XX/XX/XXXX and received the same message. I also tried the regular customer service line because a " greater than 3 hour wait '' seems quite ridiculous. They told me there is no other choice but to wait " greater than 3 hours ''. I tried again this morning promptly at XXXX XXXX  and again " greater then 3 hours '' wait was given. 

My account is frozen and I am unable to access my funds, I have called numerous times and waited a few times only to be disconnected. I have also spoken to regular customer service and they refuse to assist me in accessing my account. I do not know what to do at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 15 U.S. Code 1681After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), 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 in accordance with paragraph ( 5 ), 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 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 2022-06-26 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:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported to you by XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX. Account number XXXX. 

I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is inaccurately and erroneously reporting a 30-day late notation. I request an investigation and removal of this collection account from my credit report.

Additionally, under FRCA 611 ( a ) ( 2 ) you are to forward this dispute along with all relevant information regarding the dispute to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your reinvestigation within 30 days of the date of this letter.

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true reinvestigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2022-06-26 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: DC

Complaint narrative:
I've disputed and I've written, letters to each Bureau and TransUnion, XXXX, and XXXX have all sent back generated letters, stating that it was investigated. Which is XXXX because there are numerous errors on my acct., inquiries that were not authorized by me. There's a bankruptcy there also, where did this come from?. These reports are adversely affecting my credit and my lifestyle. 

XXXX Confirmation : # XXXXXXXX XXXX XXXX # XXXX TransUnion : # XXXX I'm tired of going thru this, it's adversely affecting my life and my career ; I gave No one permission to use my credit, Nor did I give permission to release any of my personal information. According to 15 U.S.C 1681 section 602a. States I have a right to privacy and 604a. States a consumer reporting agency can not furnish a account without my written consent and I didn't consent to XXXX!.. My rights are being Violated here.

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 2022-06-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported to you by XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, PA XXXX. Account number XXXX. 

I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is inaccurately and erroneously reporting a 30-day late notation. I request an investigation and removal of this collection account from my credit report.

Additionally, under FRCA 611 ( a ) ( 2 ) you are to forward this dispute along with all relevant information regarding the dispute to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your reinvestigation within 30 days of the date of this letter.

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true reinvestigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2022-06-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported to you by XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Account number XXXX. 

I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is inaccurately and erroneously reporting a XXXXday late notation. I request an investigation and removal of this collection account from my credit report. 

Additionally, under FRCA 611 ( a ) ( 2 ) you are to forward this dispute along with all relevant information regarding the dispute to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your reinvestigation within 30 days of the date of this letter. 

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true reinvestigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2022-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XXXX was closed by without resolve. No response was ever received and IT IS IMPOSSIBLE to get anyone at HSBC to respond to me. This is my THIRD complaint to you and you have donr NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My home is in foreclosure since 2009. I have attempted in good faith to to mitigate this matter by offering a short payoff. Although the lender does not have an original mortgage note and the alleged modification was not signed by me or authorized. The attorneys have not worked in good faith. 
I have tried for several years to resolve this matter. I ask the CFPB to investigate my entire file and review all documents including but not limited to the mortgage note, allonges, assignments and any alleged modifications. Please note that all required notices were not properly sent to me or my deceased mother. I believe that the Dead Man Statute of XXXX XXXX  Prohibit foreclosure in this matter absent an original note or a authorized modification signed by both owners of the property.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I believe Transunion is practicing incorrect Credit Score. I the last XXXX days I have only received a Total of XXXX Positive points an a Total of XXXX Negative an I have had Major changes in everything from payment history, to XXXX XXXX, To major increase in credit limits. I have done every little things that I could to influence my score higher then those points. My XXXX an XXXX has moved over XXXX Positive Points. My Transunion XXXX is XXXX my XXXX XXXX is XXXX with an XXXX Positive Points on XX/XX/2022 an nothing from Transunion. I have asked them to look in the matter but they have yet to respond bout with technical support or just any kind of support. Transunion is XXXX of the biggest credit reporting agencies Trans Union is affecting my life in a negative manner with this low credit score that should be higher and next month Im expecting a lot more positive things to hit my credit and I dont want any issues to keep piling up I think I Deserve XXXX positive points plus all points coming in the month of XXXX I have tried to contact them numerous times. I will now make a complaint with the XXXX XXXX XXXX on this subject please someone contact me through email or by phone 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