vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. My name is XXXX XXXX, and I have noticed inaccuracies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX O - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX I request that you provide me with the original paperwork showing that I was late on these accounts and when. Your reporting is completely inaccurate and has caused significant damage to my credit score. I demand that you update these accounts to a positive status with no late payments immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, there are inaccuracies in the following personal information reported on my credit report : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately. 
Under FCRA, I have the right to request that these inaccuracies be removed from my credit report. I request that you investigate these inaccuracies and correct them as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. My name is XXXX XXXX, and I have noticed inaccuracies in the reporting of the following accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you provide me with the original paperwork showing that I was late on these accounts and when. Your reporting is completely inaccurate and has caused significant damage to my credit score. I demand that you update these accounts to a positive status with no late payments immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, there are inaccuracies in the following personal information reported on my credit report : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately. 
Under FCRA, I have the right to request that these inaccuracies be removed from my credit report. I request that you investigate these inaccuracies and correct them as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-15 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: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
attached is letter i sent to XXXX XXXX ceo jp morgan chase... 

i've also included the statement i received from them closing this acct because i was " overdrawn '' ... 

in addition, i've also attached the statements including the credits and reversals...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TN

Complaint narrative:
I received a notice from debt collector - ERC- that I had an account with them in collections. 

The original creditor is XXXX XXXX XXXX XXXX The amount is for {$270.00} The notice from ERC is dated XX/XX/XXXX The account was paid in full XX/XX/XXXX and XX/XX/XXXX. I have printed bank statements showing the exact amount the company is claiming I still owe. 

I was moving to a new residence, disabling service at old address and beginning service at new address. One is not able to begin new service until previous balance is paid. Please let me know how to move forward with this and what documentation needs to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
My mortgage is with Rushmore Loan Management Services. I fell behind during Covid due to loss of hours for several months at work. I work in XXXX XXXX and was considered an essential worker, so I did not get to be furloughed with pay. I have been working with Rushmore, and was given a Forbearance for a few months to help me save money. At the end of the Forbearance in XXXX, I was behind 10 payments. After 3 months of processing and correcting an error on their end, I was approved for a NY Term Agreement, where they put 6 payment on the back end of my mortgage. This left me with 4 payments I owe, totaling {$5400.00}. I have been trying to work on a loan modification for that amount, but the options they gave me are unaffordable. They wanted me to pay {$1100.00} for 3 months, and then they will raise my rate from 3.75 % to 7.875 %. I can not afford {$1100.00} per month. My point of contact person advised me to reject that offer, and say I want to spread the balance out over 12 mos..or put some money down, and spread the remainder out over 12 mos. I have agonized and done the math every which way I can think of, and I can not afford to have my payment go up over 12 months. 
I have worked hard to save money to bring my mortgage current. I have {$5000.00} saved up but this will leave me with no reserve, I am so nervous that if I have no reserve and something breaks in my house, or I become ill and can't work a day or two..then I have no savings to draw from. I spoke with XXXX XXXX for advice, and XXXX strongly advised I do keep a reserve, and pay what I can, and ask to put the remaining on the back end of my mortgage. 
I would like to put {$3000.00} down, and put the remaining {$2400.00} on the back end of my mortgage. I am aware they already put 6 payments on the back end, but this would enable me to bring my loan current and pay my monthly mortgage going forward. I am trying so hard to make this work. I am going to XXXX XXXX in XXXX so I can make more money and better my finances. I am trying. 

I appreciate your help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 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 credit card account under an open end consumer credit plan as late for 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 2023-03-15 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: AZ

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-03-15 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 am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the inquiries listed here.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
On XX/XX/2023 I sent XXXX ( XXXX XXXX XXXX XXXX ) a letter requesting them to update and remove a voluntary repossession from all of my credit bureaus, including the ones that most consumers do not know of ( XXXX, etc. ) Because I had spoken with several representatives via phone and this is what they had asked me to do in order to get it taken care of officially and legally. I didnthat, and got a returned delivery receipt via the USPS on XX/XX/2023 that it had been received by someone at their address. In have since heard absolutely nothing from them and when I call, they tell me there's nothing they can do. This is frustrating because that car which my husband and I turned in, was worth double what they sold it for, and they tacked on fees so it was less than half, conveniently, of what we owed on it. Someone got an awesome deal on our XXXX XXXX! Now, since we were screwed on the repo, they are still screwing both of us now because it has been nearly 5 years to the day since the car was turned in back to them. I was assured by XXXX XXXX XXXX XXXX that if I had written a letter and sent it to them with proof of delivery which I did, that they would take care of it and remove it from my credit report and only go after my ex-husband 's credit report for the balance for the remaining few days that it would be on the credit legally, since it has been 5 years nearly to the day. They have done nothing to help me at all whatsoever after they said that they would!

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 2023-03-15 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:
Credit reporting agencies have furnished or are furnishing accounts on my profile in violation of the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: MD

Complaint narrative:
XXXX original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. 

Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. 

Attached is the cashed check with the agreement of being cashed debt will be PIF and removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NE

Complaint narrative:
Received multiple phone calls since XXXX from XXXX. When I returned calls someone named XXXX XXXX answered and asked for XXXX XXXX. XXXX is my mother who is deceased since 1993. I was very upset and asked this woman what " personal business matter '' she could possibly have with a woman dead XXXX years? She refused to tell me anything but they called my cell number? My concern is if this is a collection call it must be due to fraud because no one collects debts from XXXX years ago. When I tried to explain this to XXXX XXXX she refused to tell me anything. I want this company investigated because this is likely due to criminal behavior. The company is evidently a debt collection agency which purchases old debts. They should NOT be contacting me or harassing me when my mother is deceased since XXXX. This is predatory and abusive practice if I ever witnessed it. Calling a relative of a deceased person to harass for debt must be a violation of FDCPA. This is the contact information on their website : MRS-BPO XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX https : //portal.mrsbpo.com/

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: NJ

Complaint narrative:
I am in the process of buying a vehicle at my lease end from Volkswagen Credit. On XX/XX/XXXX, I mailed the package of required documents including a certified check for the purchase via XXXX XXXX. On XX/XX/XXXX, I called to confirm that all was in order and was told that all documents were properly completed and that my check had been received. I was also informed for the first time that processing would be at least 4 additional weeks because of a backlog. This is unreasonable and unacceptable. Volkswagen Credit now has my money and no doubt earning investment income from it. At the very least I should receive some amount representing the interest I did not earn on these funds. What's more, if Volkswagen Credit is more than a month behind in processing, how much is the company holding in customer funds and are they earning money on those funds?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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 am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the inquiries listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: ProCollect, Inc.
State: KS

Complaint narrative:
Procollect is using abusive, coercive and oppressive acts to block the right of having a fair and accurate credit file. Procollect has never provided Gramm Leach Bliley Act disclosures in accordance with 15 USC 6802 ( b ) ( 1 ) ( B ) and 15 USC 6803. Therefore, Procollect has obtained, trafficked and used my nonpublic personal information used defame, intimidate and to coerce payment on a debt that I do not owe, nor has Procollect ever provided adequate validation of the alleged debt. Procollect does not have authorization or authority to traffic my nonpublic personal information, especially for its own financial gain. Please see attached correspondence and FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
Sold my house in foreclosure without my notice and returning my payment in XXXX XXXX and XXXX for XXXX XXXX each check before foreclosure 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 2023-03-15 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: FL

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 XXXXXXXX XXXXXXXX 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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am writing this complaint to ALLY FINANCIAL. 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.

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