vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Hard inquiries listed on my credit report at know time given verbal or electronic permission to try and obtain my credit information. Any inquiries I made were presented as pre qualify with out hurting your credit. These need to be removed from all credit bureaus unless they can provide proof of my request. If proof can not be provided then all inquiries should be deleted and updated to reflect those changes. Again ANY proof I requested credit from any inquiry must be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: SC

Complaint narrative:
Hard inquiries listed on my credit report at know time given verbal or electronic permission to try and obtain my credit information. Any inquiries I made were presented as pre qualify with out hurting your credit. These need to be removed from all credit bureaus unless they can provide proof of my request. If proof can not be provided then all inquiries should be deleted and updated to reflect those changes. Again ANY proof I requested credit from any inquiry must be sent to me.

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 2023-03-31 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: IL

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX, IL XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI
State: TX

Complaint narrative:
XXXX XXXX from General Revenue Corporation has called my place of work three times. On the third time, I picked up. I told them that this was a XXXX phone line and he can not call this number. He said : " I am well aware this is a XXXX phone line. '' So I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : XXXXXXXX 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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I applied for a loan through makwa finance. For a loan of XXXX I was desperate for a loan because Im dealing with a hardship and I needed the money to pay off debts and I explained that I have a payment upcoming on XX/XX/30 I told makwa via email that I wont be able to make that payment on XX/XX/30 I was told that I would be able to make the payment on the XXXX then I get an email this morning saying that my account is in collections I explained that Im in a hardship the representative XXXX tried to lower the amount it still was high for me it was in the XXXX I asked to speak to a supervisor I she got very defensive and said I gave you all the options why do you want to speak to a supervisor. She placed me on hold and left me on hold. I called back I was very emotional the rep seemed nice and said she will stop ACH payments and to make the payment online or make small payments. Then I called this afternoon because I received an email and another rep was asking when is the payment going to be made. I had to explain again the situation Im in I asked to speak to a supervisor and I was transferred. I could barely understand because of the heavy accent. She asked if I can make a small payment. I got frustrated because she began talking about collections. I couldnt understand Im confused she said its not confusing. I hung up I called again and I spoke to a representative who was asking for a payment again. And the representative told me that she will continue to send emails. I tried to call customer service. Instead I get account resolutions and I asked if this is customer service the rep picked up got an attitude with me and said this is account resolutions why do you want to talk to customer service. This rep was very XXXX. I hung up. I dont need this stress I have enough on my plate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
This is my third time submitting this follow-up. Mohelas response to my first CFPB request did not answer all my questions. I submitted a second complaint so that I could receive answers to the questions that Mohela chose not to address in their first response. However, that request was not completed. As mentioned in my first complaint, I have called Mohela ( calls are recorded as necessary ) and I received multiple different answers from multiple people. I would like a written response on why interest was added to my account, despite having 0 % interest right now. I have paid all my bills on time before the student loan pause and there was no interest accruing during that time. As mentioned in my original complaint, one person from Mohela ( via documented phone call ) has claimed this is interest that I accrued during the pandemic, another has said Mohela is charging me for requesting the refund, and a third said they don't even know. I would like a clear, written response to this request. Im not sure why my second request to clarify this issue was denied and not processed. It does not even appear in my CFPB dashboard of requests anymore. This is my third request. The first complaint number is XXXX. The second complaint number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: GA

Complaint narrative:
A collection showing on my credit report does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Harmon Law Offices, P.C.
State: MA

Complaint narrative:
This here Complaint is to take Notice of the Recently received " Foreclosure Sale Accounting '' from Harmon Law Offices, PC, which is full of FALSE information, including a non existent escrow account from over 10 yrs ( past any statute of limitations ) ago, non existent Inspections {$620.00} when there were Never any inspections by this party. Also, a Suspense account that is illegal, a mention of " Other Costs '' which does not state what they are, and also Publication costs of {$4500.00}. there is no way with the prices listed on this attached Price Rate sheet that Harmons publication costs can possibly be true. Please see the ATTACHED advertising XXXX XXXX pricing sheet with Harmons Letter of how insanely FALSE this so called accounting is. as stated from Harmon Law. Please see Attached. This is all false information RECENTLY received by me. Harmon Law Offices is working with XXXX XXXX to sell for pennies on the dollar-like prices and also this the XXXX XXXX  realtor XXXX XXXX is using a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to do wrong doing while hiding her own name, by signing homes over to XXXX whom has the business card showing XXXX XXXX XXXX and now the claiming to own my home now stated on reg deeds record ( ignoring my Trust and Homestead on record in Deeds office ), as being D Management XXXX XXXX XXXX, giving them their own deeds, while she evades highly potential prosecution and litigation for these illegal purchases/ sales. Lastly, the attached advertising rates sheet is dated XXXX of XXXX so that it IS accurate to this time. No way is the foreclosure accounting in this Harmon letter possibly Accurate, this is another Harmon Law on behalf of XXXX XXXX XXXX XXXX, XXXX. attempt to illegally foreclose on me and throw me out into homelessness for profit. I am XXXX yrs old XXXX  and XXXX and including XXXX XXXX affected by this ongoing severe duress see this law Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), I will not be abused by these predators. Lastly XXXX XXXX XXXX XXXX, XXXX. is not registered to do business in the state of MA. And also the mortgage And the promissory note is Obsolete. I have this whole foreclosure auction sale of XXXX on recorded disc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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:
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 INSTRUCTION. 15 U.S.C 1681c.

( a ) ( 5 ) SECTION STATES : NO COSUMER REPORTINT AGENCY MAY MAKE ANY OF THE FOLLING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATIOM, OTHER THAN RECORD OF COVICTION 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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 — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
creditor- AVANT.COM XX/XX/XXXX XXXX I reported my card lost and requested a new card Fast forward to XX/XX/XXXX I received an email that stated that my card had been activated. I immediately called the creditor and explained that the card was not in my procession and that someone had activated it. 
The agent I spoke to on the first phone called said my husband had activated it for me. mind you I am not married and I have never allowed anyone to have access my cards. 
I immediately said no I did not authorize it lock the card. 
The agent said he locked it and upon looking at my account I found a fraudulent transaction for {$840.00} made at XXXX in XXXX. 
I submitted a claim and I was denied. I been trying to ask for the recordings from the day the account was activated and I have been denied. I also called the merchant today and they stated that they could only provide receipts and nothing else. 

AVANT wont allow me to reopen the claim and it was denied internally by their bank From XXXX XXXX XX/XX/XXXX the credit card was stolen and it never made it to my mailbox please help me I don't know who else to call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: GA

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account Credit acceptance account # XXXX, has violated my rights 15 USC 1681 selection 602 states i have the right to my privacy.

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

15 USC 1666B : A creditor may not treat a payment on a car payment under an open end consumer credit plan as late for any purpose

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 2023-03-31 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: NY

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

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 dont 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I file a dispute because i did not received any funds from the atm. After that they said that they did and investigation and the said no error has found. Also the don't want to provide me with the proof that they use to investigate. The investigation only took 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: SC

Complaint narrative:
Our mortgage was transferred to BSI Financial and they are awful. It took them over six months to update our credit reports with the new account. They are incredibly difficult to get service from and frequently provide contradictory advice when we call them.

Our most recent issue is trying to get PMI removed from our loan, as the balance is less than 80 % of original value. When we first inquired about this, we were told to order our own appraisal as the lender could not order it for us. We consulted with local appraisal companies and were told that if the order didn't come from the lender, it would not be appropriate. So we decided to wait until the loan fell under 80 %.

When the loan fell under 80 %, we got a letter from BSI saying that we needed to submit a written request to cancel PMI. We submitted a written request on their website, which was ignored. When we called back, we were told to write a letter, but not where to send it. When I called a third time, I was given a form to fill out, which required a charge to order an appraisal - something we were told we had to handle ourselves. We ordered and performed our own appraisal already. When we asked to speak to a supervisor to find resolution, we were placed on hold indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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:
I am writing this complaint to EXPERIAN. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. 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 instruction.

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 2023-03-31 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: NY

Complaint narrative:
I noticed that XXXX XXXX popped up on my experian account. I called XXXX XXXX bank and they were extremely unhelpful, I tried to dispute the account with experian but experian sided with the bank over me without even bothering to investigate. I am trying to find out if my identity has been stolen! And no one cares! It is frustrating! Please help me to remove this account from XXXX XXXX bank and delete it from my credit report. Its not fair that it shows up one day, no one contacts me about it and it affects my score, scary really

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