vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: TN

Complaint narrative:
I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 
I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXXXXXX XXXX  XXXX XXXX, never at any other address on my credit report. I have attached a copy of my DL, Bill for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.

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 2022-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: NY

Complaint narrative:
I took out a car loan with Carvana in XXXX of XXXX : managed by XXXX. Per the contract I signed on XX/XX/XXXX, with financial agreement attached here, the details of my financing were at described below. 

Loan of XXXX XXXX XXXX interest to be paid over 72 months. Total interest to be paid would arrive at approximately XXXX. I would have monthly payments of {$200.00} with one final payment at {$190.00}. The payments of {$200.00} would cover the applicable principle and interest for a given month. 

I was told there was a delay in the car delivery and I had to sign a new contract. The carvana representative told me that the new contract had to be signed because of the change of delivery date. Recently I was reviewing my loan payments and found that I was charged about {$600.00} more than my original loan contract. I contacted XXXX on XX/XX/XXXX who confirmed the higher loan amount was the correct loan information they received from Carvana. 

I contacted Carvana on XX/XX/XXXX who had sent me a contract that was dated XX/XX/XXXX. This contact was the second contract I signed that the representative told me was just for an updated delivery date. This new contract had a delivery fee and altered taxes that amounted to the roughly {$600.00} difference between the first and second contract. Additionally the financing terms were different as well. There was a higher interest rate and the {$600.00} higher principle to the term. 

This was never expressed to me when I was informed I had to sign a new contract. I was explicitly told the new contract was just to update the delivery date. 

When I contacted Carvana on XX/XX/XXXX about this issue I was told to contact a representative in the contract department : a XXXX XXXX. The representative I spoke with on XX/XX/XXXX told me he would inform XXXX of the situation and XXXX would get back to me in a few days. I also sent him an email containing the original contract I signed so he had that information : to the email I was given for XXXX, XXXX. I had not heard anything from XXXX after 1 week and sent a follow up email. As of writing this, I have not heard anything from XXXX or Carvana regarding this bait and switch on the contract terms. 



Both contracts are attached to this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello CFPB, I had sent in some sensitive documents for example, birth certificates all the documents that XXXX, transunion and XXXXXXXX request to freeze minor credits. XXXX had prompt service in gave my freeze pins for my XXXX XXXX  children.I sent in the information around XX/XX/2021 I have not heard anything from XXXX or Transunion. When, I try to call the company I can not talk to live a person, and when I did the customer service person said they do deal with that kind of thing. Im concerned about where me and my children sensitive documents went or who has them at transunion and 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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Identity theft has happened to me. I've attached my ID and a copy of my identity theft report to verify that this dispute was lodged by me. These charges are not included in the list since I did not make them. I meet all of the requirements for Blocked and Removed entries on my consumer report under 15 USC 1681c-2. Failure to comply is a as a consumer, my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Identity theft has happened to me. I've attached my ID and a copy of my identity theft report to verify that this dispute was lodged by me. These charges are not included in the list since I did not make them. I meet all of the requirements for Blocked and Removed entries on my consumer report under 15 USC 1681c-2. Failure to comply is a as a consumer, my rights have been violated.

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 2022-05-04 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: MD

Complaint narrative:
I, XXXX XXXX, sent Equifax a letter on XX/XX/XXXX, disputing the validity of the bankruptcy they are reporting on my credit report. They responded that they verified this information through XXXX and the court. I went directly to XXXX XXXX and the court. I went directly to XXXX to dispute the item in question and XXXX  could not verify this item so they deleted it from there database. The court provided me with a letter indicating that they do not report to the credit bureaus. I then went back to Equifax on XX/XX/XXXX, and showed them the the deleted bankruptcy from XXXX XXXX informing them that it they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. I also informed them that the courts do not provide information to the credit bureau.They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 
I than filed a complaint through the CFPB on XX/XX/XXXX and was not given any information on why they close my case. This item needs to be deleted from my credit report if it can not be verified within 30 days. I also made phone contact multiple times and was unable to get clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have noticed many incorrect and inaccurate accounts as well as unauthorized inquiries which I have no direct engagement with appeared in my credit report. I have already sent a proper documentation for these items to the bureaus and they did not removed them.

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 2022-05-04 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:
In accordance with the Fair Credit Reporting act Account XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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 2022-05-04 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: IN

Complaint narrative:
I have been a victim of identity theft. I have reported this to Experian several times and they wont remove the following items XXXX XXXX and XXXX XXXX XXXX. 
I have sent in police reports and Identity theft affidavit. They will not remove.

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 2022-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

XXXX XXXX XXXX. {$0.00} Acct # : Bal. {$0.00} Acct # : 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 2022-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Here 's another derogatory account that I've been disputing for couple of months already but it really seems that you guys is taking my complaint for granted. Delete the item below at once! 

XXXX XXXX XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: SC

Complaint narrative:
I have noticed many incorrect and inaccurate accounts as well as unauthorized inquiries which I have no direct engagement with appeared in my credit report. I have already sent a proper documentation for these items to the bureaus and they did not removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: Ladera Lending, Inc
State: SC

Complaint narrative:
I spoke to this mortgage company about a potential loan. I was told they would take my info and send me an email requesting authorizing/more information. Instead they ran my credit without my consent. I called back 2 days later and complained and was dismissed by their mortgage person XXXX XXXX. Later that week, I received a call from their loan manager who told me they messed up and did not get authorization, he said the call was recorded and he listened to it. He guaranteed he would take my hard inquiry off my credit. 

It is still not removed a month later. 


Credit inquiry agency info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Record details On record until XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of Identity theft. I have enclosed my ID and Identity theft report proving it is in fact me that submitted this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of Identity theft. I have enclosed my ID and Identity theft report proving it is in fact me that submitted this dispute.

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 2022-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: IA

Complaint narrative:
I have been enrolled in the public service loan forgiveness since 2007 when the program started. I have held XXXX XXXX  that meet the criteria and submitted the Public Service Loan forgiveness certification form yearly. I was in the middle of loan consolidation as recommended to receive the highest payment counts. One day after my loans were consolidated, my PSLF took place and my remaining balance on direct loan were forgiven, except one. I waited and thought it was timing- after all the most current loans I had were forgiven but the oldest ones were not. They were consolidated into a new loan - I resubmitted my employment certifications from 2007. My payment account is listed as 3 on the new consolidated loans- meaning all the prior payments I made were lost in the consolidation. I am not getting anything from federal student loan- no reply 's to emails, long hold times on the phone. My payment numbers havent been updated. I have been waiting for this program to finally come together since I completed my first ten years in the public health care field. I am going on waiting for this for 15 years now- the way this program is sloppy and with no regard to us that work in public service for this loan program. I am really beyond frustrated that only half of the loans were forgiven- when I have meet all the requirements. When in fact on the new loan they consolidated all my past payments were wiped out- when they consolidated and only forgave half of the loans -- and the most current loans at that! Please help me!! I feel like I am getting no where with FedLoan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: IN

Complaint narrative:
I have been a victim of identity theft. I have reported this to XXXX several times and they wont remove the following items XXXX XXXX and XXXX XXXX XXXX. 
I have sent in police reports and Identity theft affidavit. They will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: World Acceptance Corporation
State: IN

Complaint narrative:
I have been a victim of identity theft. I have reported this to XXXX several times and they wont remove the following items World Finance and XXXX XXXX XXXX. 
I have sent in police reports and Identity theft affidavit. They will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: PA

Complaint narrative:
Notified company by mail XX/XX/XXXX, in regard to all the fraudulent inquires that I did not recognize and ask them to remove. have not heard back from them. the dates and name of inquiries are below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello CFPB, I had sent in some sensitive documents for example, birth certificates all the documents that equifax, XXXX and XXXX  request to freeze minor credits. XXXX had prompt service in gave my freeze pins for my two minor children.I sent in the information around XX/XX/2021 I have not heard anything from Equifax or XXXX. When, I try to call the company I can not talk to live a person, and when I did the customer service person said they do deal with that kind of thing. Im concerned about where me and my children sensitive documents went or who has them at XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Fraud Identity Theft Collection accont from XXXX is not mine this collection account is not mine according to the fair credit reporting act this fraudulent account must be removed and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: FL

Complaint narrative:
Hello, I've reported this number before and nothing has changed, they called again today @ XXXX XXXX. The number is XXXX. I am really tired of them calling for over two years now. I've spoken to them as well as texting them. they are looking for someone named XXXX XXXX. I am not her nor does any person by that name live here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
all 3 cr burs are coming up with wrong info on me, there are no public records of debt, medical debt the creditor did not ans insurance co inquiry and i am not paying it so these need to be corrected, XXXX XXXX notify them that the debt was paid,

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 2022-05-04 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: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
due to the covid-19 i field with my mortgage company forbearance starting in XX/XX/XXXX as i understand under the cares act they where not to report late or delinquencies. 
they did report from XX/XX/XXXX to XX/XX/XXXX as delinquent. 
i called ti fix it on XX/XX/XXXX they said they could not. 
during the forbearance i made what payments i could, when it ran out they had me file a modification loan. i was told that my interest would drop to around 2 %. it took months and during that time was told to hold off on making payments until the paper work was done. when i received my paper work they did not lower my interest rate it stayed the same the just but what i owed to the back of loan. 
they did not do what they said they where going to do. i just want all the late and delinquents off. credit report showed - 49 % from them Carrington mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for and purpose.

Company response to consumer: Closed with explanation