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

Complaint narrative:
UNAUTHORIZED AND UNAPPROVED INQUIRIES DISPUTED MULTIPLE TIMES BUT NO RESOLUTION. 

KEEPS MAILING ME MY FORM LETTERS AND CREDIT REPORT WHICH I ALREADY HAVE SEE ATTACHED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
The loan account number is : XXXX, the loan is closed and paid off in full as of XXXX XXXX  The business will reply with the usual cut and paste response that information will be reported to the major credit reporting repositories during the usual monthly reporting process. However, it is very simple for the business to input an update to ALL of the major credit reporting repositories.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, The Experian is the one reporting 2 inaccuracies on my credit report. 

First one is XXXX XXXX XXXX XXXXXXXX has " 18 POTENTIALLY NEGATIVE MONTHS '' on my credit profile even before and after appear on my credit report. I am sure that creditor has tax credit and resell same car to another customer to make more money which is more profits for them but this account should be deleted by long time ago and outdated account. They should delete the account or pay me $ XXXX a month every month till they remove this account. 

Another account is XXXX XXXX XXXXXXXX has " 1 POTENTIALLY NEGATIVE MONTH '' on closed account that why it should be deleted or updated to paid or they also pay me $ XXXX a month every month till they remove this according to Under federal law, I could sue them and ask for {$1000.00} in damages for both account ( XXXX ) which is $ XXXX a month or maybe more can be up to {$500000.00} in damages

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: NC

Complaint narrative:
I have a closed paid off account with XXXX XXXX XXXX XXXX  from XX/XX/XXXX  that is inaccurately reporting a late payment on XXXX, XXXX and TransUnion. I was never late with this account and was never notified of a late payment. It is also reporting inaccurately which is a consumer violation pursuant to 15 USC 1681e ( b ) which states credit accounts must report maximum possible accuracy at all times. This account is in clear violation of that. I have attached a screenshot of the payment history showing the inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have some information on my credit that is not associated with me. I would like for them to be removed the inquiries thats on my account. Its not mine, and a few other items that on my account needs to be updated such as my name my address in my phone number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I called the merchant and American Express relating to a duplicate charge at XXXX XXXX XXXX  in the amount of XXXX  on XXXX  and no one will provide a resolution for the duplicate charge. You can clearly see that the transaction number is the same and Americam Express should have controls in place from allowing the merchant to charge twice on the same transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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:
I sent a letter out on XX/XX/XXXX to Experian. Here is my tracking number : XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Pursuant to 18 usc 8, l owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: OH

Complaint narrative:
This company ( discover ) has called my phone more than 5 times a day for the past 2 weeks. Today I was able to show the collector calling me 6 times within a 24 hr period which is against the law! This company has been harassing me about debt that has already been charged off! To resolve this I would like some type of monetary compensation for the stress caused by these phone calls. Phone number I am being harassed by is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
XX/XX/2023 I noticed unauthorized transactions sent from my TD Bank account through XXXX to an unknown contact. I was in the process of sending money to my boyfriend and noticed that two unknown people were added to my XXXX account. I immediately froze my account and called my bank. The following day when the funds posted, my bank disputed the charges and reassured me that the funds would be back in my account within 10 business days. However, last week, on XX/XX/XXXX, I spoke to my bank and they had neglected to inform me through any other communication means that my disputed was not approved. I had them refile the dispute, which they did, but then was told that there was little confidence it would be approved this time because XXXX is like losing a wallet. I lost over {$700.00}. It started as a {$1.00} charge, then a {$320.00} charge, and then another {$400.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06 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: AZ

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: GA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: E MORTGAGE MANAGEMENT, LLC
State: PA

Complaint narrative:
During the summer of 2021, my now ex husband and I were finalizing the terms of our divorce. In doing so, we decided to refinance our marital home to lower the monthly payment to make it possible for me to afford it for my children and me on my fixed income. For this refinance we worked with EMM Loans. During the process, we worked with XXXX XXXX to determine best options to lower the monthly payment from the existing ~ {$5100.00} per month on a XXXX fixed mortgage at 4.15 % with XXXX remaining. As the outstanding principle would be in jumbo territory, XXXX advised us in order to take advantage of the low interest rates at the time to use a combination of a fixed XXXX mortgage and a variable rate HELOC set to prime lending rate minus 0.5 %. 



We were concerned at the time about the potential for the HELOC interest rate to rise. In fact, we told XXXX we were extremely risk averse and did not want to finance the home with an ARM. However, XXXX informed us the HELOC was not an ARM and the HELOCs interest rate could be fixed at any time we wanted with the caveat that then we could no longer borrow against the HELOC after that point. He stated that one can fix the HELOC once the prime lending rate rises and it becomes just like another fixed mortgage. Later once rates began to rise we contacted XXXX to request the interest rate be fixed. On several occasions when the prime lending rate was below 4 %, we were advised not to do so by XXXX because the rates would likely level off or come down. Eventually, as rates continued to rise above 5 %, we contacted the senior VP EMM Loans, XXXX XXXX, to request the interest rate be fixed. XXXX informed us in email that XXXX no longer worked for XXXX loans. XXXX also stated in writing that the information XXXX provided regarding fixing interest rates on not just our HELOC but ALL HELOCS was incorrect. Thus, EMM Loans acknowledged that they were allowing a representative to misinform and mislead clients about lending terms. 

Please see the attached email correspondence which documents XXXX XXXX acknowledging the ability to fix the rate of the HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Navy Federal Credit Union XXXX, XXXX XXXX XXXX XXXX has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: Nelnet, Inc.
State: NV

Complaint narrative:
My student loan was recently transferred in XXXX. The new loan company has reported the information more than one time as more than one account when in actuality it is only supposed to be one account. It only has one account number on all 4 accounts being reported. I had disputed this with XXXX and XXXX and both came back as verified accurate. When I called the loan company they told me that it will go back to what it was before eventually, not even given a date and said there was nothing else they can do and I also have the option to consolidate it to join them together. I shouldn't need to consolidate a loan that is only one account to begin with. Both bureaus and company refuse to delete off my report

Company response to consumer: Closed with explanation