vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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: 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 : 1. Account name : XXXX XXXX  Account ID : XXXX XXXX. Account name : XXXX XXXX, Account XXXX Number 1 & 2 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.

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 believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these two accounts below have violated my federally protected consumer rights to privacy and confidentiality, and fairness in the consumer market. 

Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.C.S 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions of crimes 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 they person knows or has reasonable cause to believe that the information is inaccurate.

I disputed these two accounts, and they were verified despite there being inaccuracies of date of account and address.

One of these accounts was repeatedly re presented to cause repeated injury to my credit, an account from XXXX presented as new repeatedly in XXXX, and the consumer reporting agency allowed this. 

The agency did not furnish me with a report on the investigation on how they verified the account which in itself is another violation of my consumer rights, as per Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumers file if the consumer alleges the item to be inaccurate. 

With regard to this I would seek remedy as is statutorily my right to do. This is unfair. The debt was incurred as a result of the pandemic and issues with the property and landlord, and there was considerable dispute such that it was an unfair assault on my credit to allow it to be repeatedly presented as a new debt, the original company refused to investigate the issue and assist me at a time of need. 

There must be rules on CRA allowing furnishers to attack the credit of a consumer in this way? 

I am seeking consolidation loans to assist with managing my debt and to finance my business growth to increase my income, towards buying a house etc and these erroneous statements on my credit are negatively impacting my life.

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 2023-03-21 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: VA

Complaint narrative:
My credit score has yoyo 's from low XXXX to upper XXXX 's without cause in XXXX and XXXX thus far. I have made on time payments for past three years on all debts and bills. I have paid off in full several lines of credit/loans. My income has increased steadily in this same period of time, my debts have been paid, or paid off, and initially saw my score climbing as one would expect. Then without cause or notice it plummeted back down to XXXX and low XXXX and has stayed there in spite of flawless financial performance and decreases in debt, and increases in income. I attempted to find out why this occurred and received no responses. In the span of last 12 months, my credit score has yoyo 'd by almost XXXX points, IN this same period, my wifes score, has steadily risen and remained high as one would expect given our efforts in bill payment and payoff of loans.. She has no income other than our shared income, nor debt other than our shared debts. I think I am being confused with someone else financial performance and inappropriately scored, which has a significant impact on my personal finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 442644 has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 2023-03-21 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 2023-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a violation of consumer law by honda financial services The complaint is in relation to my late payment, which I believe was unfairly assessed and has caused significant financial harm to me. 
On [ XX/XX/2022 I made a payment of XXXX to Honda financial services for my [ name of loan or account ]. I made this payment on time and in full, but despite this, I received a notice from the credit bureaus. 
that my payment was considered late and that I would be charged a late fee. 
I immediately contacted Honda financial services to understand why my payment was considered late, as I had proof that it was made on time. After several attempts to resolve the issue, Honda financial services did not provide a satisfactory explanation, and I was forced to pay the late fee to avoid further financial penalties. 
I believe that Honda financial services violated several consumer protection laws in this instance, including [ list any applicable laws or regulations, such as the Fair Credit Billing Act or the Truth in Lending Act ]. Specifically, I believe that Honda financial services failed to properly credit my payment, which resulted in the erroneous late fee. 
This violation has caused me significant financial harm, as I am now responsible for paying an additional fee that I should not have incurred. Additionally, this has negatively impacted my credit score and financial standing, which could have long-term consequences.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Honda financial services is held accountable for their actions. I am also seeking compensation for the financial harm that I have suffered as a result of this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am writing to inform you that I have discovered inaccuracies on my consumer file maintained by your institution, and I am concerned that you are not in compliance with the Fair Credit Reporting Act ( FCRA ) provisions. 

As defined in 15 U.S. Code 1681a, the term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, employment, or any other purpose authorized under section 1681b of this title.

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 2023-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Loan was taken with XXXXXXXX XXXX as our servicer. XXXX sold the servicing portion of our loan to Mr Cooper Loans. They are been our servicer for just under a year. Unfortunately just got a notice that even though we have made our regular payments and have an active escrow account. Mr Cooper is not paying our taxes properly. Just got a letter in mail showing a late fee and that they are missing payments for our escrow. Send an email to Mr. Cooper and was on hold for over an hour today and they said another dept would contact me which they never did. Very upset as reading review online this seems to be a real problem with this servicer Mr Cooper maintaining our escrow account. Very concerned and need help resolving this. Tried with Mr Cooper and still no response. 

Attaching most recent statement from Mr Cooper showing all up to date. And a letter just received from County of XXXX XXXX showing late fee and past due tax payment from our Escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account NAME : SYNCB/XXXX  # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ) Sections states : no consumer reporting agency make any consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is correct.

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 2023-03-22 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
This is in response to complaint XXXX. The true nature of my creditworthiness is not being reflected because there are inaccuracies being reported within the account NAVIENT. They are reporting that I was 90 days past due, but XXXX and XXXX are only reporting 2 negative dates while XXXX reports 1. How is this accurate when all data furnished should be the same? Also, if I was late 90 days there would be another date listed where I was late. Lastly, you are reporting different account numbers for the same account. How does this meet FCRA regulations? The account numbers being reported are XXXX, XXXX, XXXX. I am demanding that this account is deleted from my credit report immediately for incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
On or about XX/XX/2023 I was discharged from XXXX XXXX Bankruptcy. I reached out to Caliber home loans to discuss my release of lien. they said it had not been paid off. I told them I had been discharged from XXXX XXXXXXXX and that I no longer owe anything according to the court. After multiple calls and my attorney getting involved there were no changes. In early XXXX I sent a certified letter that they were required to respond to after 5 Days according to RESPA. I never heard anything from them. Towards the end of XXXX their attorney finally reached out to my attorney and said I would show a XXXX balance by XX/XX/XXXX. The attorney was correct. Come to find out only to be sold to XXXX. I have ben attempting to reach out tot hem to get this resolved however they can not find me in there system. Its been XXXX XXXX months and no resolution. I have not even been sent a statement or called for payment. Which they can not ask for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
I was forced to take a predatory loan that claimed to offer 90 day XXXX interest. After one late payment all the XXXX interest terms went out the window. I have since paid the debt in full and even over paid. They now refuse to refund me without reopening the account. They obviously do this to trap me into a never ending cycle of interest and fees. I have attached today 's email exchange. 
To XXXX : Refund the {$95.00}. Stop making things. difficult Stop scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My XXXX credit card is reporting the wrong information its reporting that my account is delinquent and 30 days late when its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Incorrect addresses I have disputed this address for last year and a half with credit bureaus alerting them that this is and was never my address. They keep coming back saying its verified and that can absolutely not be correct. They have no other reasoning. 
This address is inexplicable on my report and its clearly an indication of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
Harley Davidson Financial Account # XXXX Account Opened XX/XX/XXXX Account was Charged off XXXX for {$14000.00} that was all that I owed. Then after it was charged off they have been reporting it late on my credit report. Furthermore, Harley Davidson Financial was pulling my credit report almost on a monthly basis without my knowledge or permission. Recently, It says on my report I made a payment on XX/XX/XXXX. Which I did not this account has been charged off XX/XX/XXXX. They are not allowed to report inaccurate information and they have. I have been harmed by this on my credit report almost 10 years now. 

You can not report a charge off and also report payments or late payments at the same time. 

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MD

Complaint narrative:
I have a cash app account and they stopped everything on it saying due to suspicious activity I didn't have any suspicious activity on the card I have tried over and over again to get it resolved and nothing has happened please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-03-21 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: SC

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account NAME : XXXX  # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ) Sections states : no consumer reporting agency make any consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is correct.

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