vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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: NJ

Complaint narrative:
Credit company refuses to remove 30 day late payment from credit report. I've always made my payments on time and I'm currently in the process of trying to purchase a home, but this late payment is hindering the process. I've spoken to customer service numerous times and they continue to tell me that the issue would be resolved, but nothing has happened within 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 2022-04-07 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:
XXXX XXXX at this time has admitted and removed the reselling of my information to XXXX XXXX and experian however the XXXX ACCOUNTS are still on my consumer report. The information is not accurate nor verified, nor has any written consent of any of my personal information to be used and traded on. Pursuant to 15 US code 1692J civil liability XXXX  and third-party crediting bureaus are now liable for damages in the amount of {$1000.00} for each violation. There being several, it is requested to have the accounts deleted from all consumer reports due to the pro bay fraud and federal violations

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 2022-04-07 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: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
Ally FinancialXXXX XXXX XXXX to report my car loan as a closed loan. 

The loan is not closed and the vehicle was not repossessed. 

I have called both Ally Financial and XXXX. 

I have disputed it several times I call one and they tell me to call the other. No one will fix it. 

Both other reporting agencies report correctly The account number is XXXX I have paid and continue to pay the loan on time every month.

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 2022-04-07 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: AZ

Complaint narrative:
I have submitted numerous lettters in which i kept documentation of to Equifax regarding reporting they are doing on my credit file. 
I have also sent them a letter from XXXX showing all 7 accounts are {$00.00} balance owed and yet they have not updated the information. 

XXXX -sent me a letter of the investigation rec 'd and sent me a letter showing they put balance due are {$00.00} and this was also sent to Equifax and remain with no changes. 

They took over 30 days this last request asked for more time and then closed the investigation as completed but no change. 

There are 7 load ( XXXX  ) XXXX all from XXXX and XXXX my Current balance is {$00.00} I asked that the information be updated. Still they have not complied, this is the last attempt then I will be filing in court a lawsuit against them. 

I ALSO RECIEVED A NEW LETTER FROM XXXX DATED XX/XX/XXXX, I DONT HAVE A COPY BECAUSE I SENT IT TO EQUIFAX AND XXXX AND FORGOT TO COPY IT. THEY HAVE THE INFORMATION SENT FROM XXXX THEY JUST KEEP SENDING ME THE SAME OLE RESPONSE AND NOT UPDATING MY FILE. IF I NO LONGER HAVE A BALANCE WITH XXXX AND IT SHOULD REPORT THAT ON MY FILE UNDER THE XXXX CREDIT ACCTS OR THEY NEED TO REMOVE XXXX ALL TOGETHER BECAUSE THEY ARE REPORTING INFORMATION WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: PR

Complaint narrative:
Desde le pasado mes de agosto del 2021 me percato que en mis informes de credito aparecia una linea de credito con un balance que no me pertenece de otra personas y hasta el dia de hoy solo en 2 agencias continuan acutlizando la informacion sin verificar debidamente la informacion con el acreedor con el cual tuve experiencia de credito positiva.

Tambien se informaban datos de otras personas como nombre y seguro social que al menos fueron removidos.

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 2022-04-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
So for about a year no equifax has failed to report my account accurately. I have about 4 credit cards that are not reflecting on my report and an auto loan that they fail to report. But I didnt think It was a big deal until I needed to move out of my home. I got approved for a apartment but they couldnt pull my reports. First it was frozen so I called equifax, they said they fixed it then 3 days laters the freeze wasn't removed and they need me to send paper work proving my identity. I did that. still nothing and they said everything is okay but when the leasing company tried they still couldnt pull my reports. 

I ended up loosing the apartment and have to sleep at relatives home for about two weeks. Equifax has failed me, I think its a technical issue but no one can pull my reports from equifax. I applied for an auto loans and same thing " cant pull equifax report ''. This has affected me so much. Besides them not reporting all my accounts, not letting lenders pull my reports even though they say I have no freeze or alert, equifax is also reporting false accounts. I have never had a credit card with XXXX. I need this fraudulent account removed immediately. I am prepared to lawyer up at this point because equifax is failing as credit report agency and refusing to help resolve the issues at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
Recently on XX/XX/XXXX I filed a dispute with the credit bureau XXXX. I noticed this company showed up on my credit file as a loan account showing " IN GOOD STANDING/EXCELLENT PAYMENT '' history, I quickly filed a dispute with XXXX. I never approved of this loan, nor does it show up as an Inquiry on my credit file. They just popped up out of nowhere on my credit file. I never gave this company my personal information such as, date of birth, social security number, or address, and have no idea how they got it. Just after a few days of reporting I was making excellent payments, its now showing " delinquent '' payments, and " first payment never received ''. The attached document shows that I supposedly made an " on time '' payment in the month of XX/XX/XXXX which is not true. Very contradicting and suspicious company. I believe this is a fraudulent company trying to get money out of me. Please see attached supporting document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
XXXX was my cable/phone/internet provider for services at my former address. The original technician XXXX XXXX  me during the first " installation '' visit, and never properly installed the services -- he ran my equipment through an old, rotted XXXX XXXX cable that was falling apart in pieces instead of running a new account cable to the pole. The services NEVER worked properly, forcing HUNDREDS of complaint/repair phone calls, texts and emails where they still never properly repaired the services or offered concession discount. I still continued to diligently pay the full bill anyway, because I had no choice, for several years, for service that literally NEVER worked properly from day one. I finally changed services to another company several years later, returned the equipment -- with receipt proof of return, and was forced to file several XXXX XXXX XXXX complaints about the abusive company practices. They continued to charge my credit card for MONTHS after the equipment was returned and services were stopped with them, with a brand new company providing services. I had to voice record and video record their phone calls several times, and they actually SENT ME TO COLLECTIONS 3 SEPARATE TIMES, CLAIMING I OWED A DEBT TO THEM THAT I DO NOT OWE, HOUNDING ME WITH COLLECTIONS NOTICES AND PHONE CALLS AND CAUSING SERIOUS HARM TO MY PRISTINE CREDIT REPORTS AND XXXX SCORE, THREE DIFFERENT TIMES. NOW, THEY'VE DONE IT AGAIN, FOR THE THIRD TIME, PLACING AN ILLEGAL COLLECTIONS DEBT ON MY CREDIT REPORTS FROM CREDIT MGMT LP, THAT WILL HARM MY CREDIT FOR THE THIRD TIME. THEY NEVER STOP. I DO NOT OWE THEM THIS DEBT. THE EQUIPMENT WAS RETURNED WITH RECEIPTS AND EVERYTHING WAS DONE IN WRITING TO PROVE IT. I AM SICK AND TIRED OF THIS ABUSE AND HARM TO MY CREDIT SCORE FROM THIS UNSCRUPULOUS COMPANY AND ITS ILLEGAL AND UNFAIR BUSINESS PRACTICES. I WILL BE SUING THEM FOR WHAT THEY HAVE BEEN DOING TO ME FOR ALMOST TWO YEARS NOW. I AM SICK AND TIRED OF BEING HARMED BY THIS COMPANY. THEY NEED TO STOP. IMMEDIATELY. AND I AM GOING TO SUE THEM FOR THE DAMAGES THEY HAVE ALREADY CAUSED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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:
604. Permissible purpose of consumer reports : In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 

15 U.S.C. 1681b ( a ) 2 In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

602. Congressional findings and statement of purpose [ 15 U.S.C 1681 ] ( a ) Accuracy and fairness of credit reporting. 

U.S.C. 1666b. Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any reason.

FCRA 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( A ) Subject to section 1681-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 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: PA

Complaint narrative:
The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.

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 2022-04-07 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: PA

Complaint narrative:
The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: PA

Complaint narrative:
The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.

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 2022-04-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patenaude & Felix A Professional Corporation
State: MD

Complaint narrative:
I co-sign a student loan for a family member. They started to get repayment statements before finishing college. They tried to defend the payment but the bills continue coming and they unable to make any payment on the loan. That was back in XXXX. The debt was several time through out the years. National collegiate student loan trust has law suit against me to garnish my wage has the co-signer which I can not afford. I am a one year apprentice program. 
This is a old debt that was charge off by the original company. If I had the money I would try and settle with them but I dont have it. Please advise if there is any other option I can take. I think it should be against the law for the practice of buy debt that has been charged off for pennies on the dollars to sue for these outrageous amount of money plus all interest for all these years.There is no protection for us against these debt buyers. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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:
Upon viewing my Credit Report I noticed several inaccuracies. So I filed a Police Report with the XXXX XXXX Police Dept. on the date of ( XXXX ) Report XXXX : XXXX. I attached this report with disputes & sent them to the credit bureaus ( Equifax, XXXX, XXXX XXXX ). Unfortunately I have yet to receive a response. 

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 u.S.C. 1692 ( XXXX XXXX XXXX Collections 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1692 section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 section 806 section 5 XXXX a phone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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:
Upon viewing my Credit Report I noticed several inaccuracies. So I filed a Police Report with the XXXX XXXX  Police Dept. on the date of ( XXXX ) Report XXXX : XXXX. I attached this report with disputes & sent them to the credit bureaus ( XXXX, Experian, XXXX XXXX ). Unfortunately I have yet to receive a response. 

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 u.S.C. 1692 ( XXXX Finance 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1692 section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 section 806 section 5 XXXX a phone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-04-07 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: AZ

Complaint narrative:
I have submitted numerous lettters in which i kept documentation of to XXXX regarding reporting they are doing on my credit file. 
I have also sent them a letter from XXXX showing all 7 accounts are {$00.00} balance owed and yet they have not updated the information. 

XXXX -sent me a letter of the investigation rec 'd and sent me a letter showing they put balance due are {$00.00} and this was also sent to XXXX and remain with no changes. 

They took over 30 days this last request asked for more time and then closed the investigation as completed but no change. 

There are 7 load ( XXXX  ) XXXX all from XXXX and XXXX my Current balance is {$00.00} I asked that the information be updated. Still they have not complied, this is the last attempt then I will be filing in court a lawsuit against them. 

I ALSO RECIEVED A NEW LETTER FROM XXXX DATED XX/XX/XXXX, I DONT HAVE A COPY BECAUSE I SENT IT TO XXXX AND EXPERIAN AND FORGOT TO COPY IT. THEY HAVE THE INFORMATION SENT FROM XXXX THEY JUST KEEP SENDING ME THE SAME OLE RESPONSE AND NOT UPDATING MY FILE. IF I NO LONGER HAVE A BALANCE WITH XXXX AND IT SHOULD REPORT THAT ON MY FILE UNDER THE XXXX CREDIT ACCTS OR THEY NEED TO REMOVE XXXX ALL TOGETHER BECAUSE THEY ARE REPORTING INFORMATION WRONG.

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 2022-04-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
When the pandemic hit in XX/XX/XXXX, I was current on my 30 years fixed rate mortgage that started in XXXX of XXXX. 

Because of financial distressed caused by XXXX, I went into forbearance for 18 months. At that time, my lender, Mr. Cooper, assured me that any months in forbearance would extend my loan by the same amount of months in forbearance. I was told this program was backed by the federal government. 

Recently, I successfully completed my trial period to emerge from forbearance. My lender, Mr. Cooper, advised they would be sending me paperwork for a loan modification. Today ( XX/XX/XXXX ), I received their paperwork and was astonished. Mr. Cooper kept my interest rate the same, added what seems to be the appropriate amount of money to the principle of my mortgage, and raised my monthly payment by ~ {$200.00}. That seemed reasonable. The only huge issue, is that they added XXXX more years to my maturity date! In essence, Mr. Cooper wants me to pay XXXX more years for missing 18 months of payments. That is insane. 

I called my lender and was basically told it was a take-it or leave-it deal without any rational explanation for the radical change in maturity dates. The most trouble part is that they only gave me 10 days to make a decision. I am retired senior citizen and am terrified the bank will try to take my decades-long home away from me.

Company response to consumer: Closed with explanation