vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC
State: MD

Complaint narrative:
I was just looking over my credit reports and found some inaccuracies that I am demanding GreenSky and credit bureaus to correct. I sent a letter, certified mail, to all credit bureaus stating the issue and requested the information be corrected. 

Account Name : XXXX XXXXGreensky Account Number : XXXX Reason : The account is stated to be active with GreenSky, but it was closed on XX/XX/2019 ( XXXX ) XXXX and XX/XX/2019 ( XXXX ), on corresponding credit bureaus. 

Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately. 

Account Name : XXXX XXXXGreensky Account Number : XXXX Reason : The current balance is reported to be {$890.00} on my credit reports, but with GreenSky it is reported to be {$870.00}. 

Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland credit management is using false XXXXnformation on a debt that I'm already paying on. The original ( and only ) creditor is XXXX XXXX which I currently owe {$2700.00} out of XXXX. Midland credit management is claiming That I owe XXXX which I never owed that amount. Midland credit Management stated that the debt we sold on XX/XX/XXXX which XXXX XXXX never did. XXXX XXXX sent me to court and garnish me ( Maryland XXXX XXXX case number XXXX date XXXX XXXX ). Midland Credit Management also would not allow me to dispute the issue with them directly ( I called more than one number ). Midland credit Management reported on my credit report in XXXX, I went default on my debt in XX/XX/XXXX and from my understanding is against reporting laws for my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sklar Law LLC
State: NJ

Complaint narrative:
I have been renting a townhouse at XXXX XXXX in XXXX XXXX since the summer of XXXX with my then XXXX year old child. 

Since, XX/XX/XXXX the premises have been infested with fleas. The XXXX XXXX office was notified promptly on XX/XX/XXXX of the issue. It took me following up with the office staff twice per day after reporting the problem just to get an exterminator to come to assess the situation on XX/XX/XXXX. After the assessment, the rude and unhelpful XXXX had the exterminator scheduled to come out to do the first treatment on XX/XX/XXXX, knowing that the time was of the essence and that the unit was uninhabitable. I had to insist on the exterminator to come out sooner, so XXXX came out on XX/XX/XXXX to do the first treatment. 

During the assessment visit by XXXX XXXX XXXX XXXX, I was given a guarantee by him that the problem will be fixed after the first treatment. Well, the problem didnt go away after the first treatment on XX/XX/XXXX. I reported to the office again and XXXX came out again on XX/XX/XXXX to do a second treatment. And again, the problem did not go away. I contacted the office and emailed XXXX XXXX on multiple occasions after that, however, have not gotten any acknowledgement or a reply. 

I had no choice but to hire a private exterminator, that had come out on XX/XX/XXXX and XX/XX/XXXX to treat the premises. 

In the meantime, the unit hasnt been occupied by me, my son and our cat since XX/XX/XXXX, because its UNINHABITABLE. 

The landlord has breached the lease agreement ( item XXXX, last paragraph ), by leaving the property in uninhabitable condition, but still requiring full rent. ALL RENT WAS WITHHELD, UNTIL PROBLEM RESOLVED. 

I requested that they repair these conditions immediately. Neither I, nor anyone on the premises with my permission, caused this problem. I also reserved all legal rights and remedies with regard to this situation. 

XXXX XXXX failed to cure the issue, but instead filed an eviction against me on XX/XX/XXXX. At that point I hired legal representation to represent me and my legal rights. The eviction was dropped because I moved the rest of my belongings on XX/XX/XXXX. 

Now Sklar Law LLC, is coming after me for the debt that they say I owe to XXXX XXXX in the amount of {$4500.00}. On XX/XX/XXXX I replied to Sklar Law letting them know that I dispute the debt and reasons why. In return on XX/XX/XXXX they sent me a one page summary of charges, stating that it's a debt validation.

Sklar Law, LLC did not research the issue and problem, as to the reasons why the rent was not paid for XXXX and XXXX of 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 2022-06-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX, XXXX XXXX has reported delinquencies and my credit file ( with XXXX, Equifax, XXXX ) and continues to post this account as an active account and the account is charged off & closed since XXXX ( {$14000.00} my file saying that I owe after the vehicle was repossessed, and the finance amount was allegedly {$17000.00} ). The car was repossessed XXXXXXXX XXXX  XXXX, while my XXXX XXXX child sat in the passenger seat at XXXXI filed a police report on that date against them as well. I have asked all 3 credit bureaus to investigate, to remove this item, and they have not complied. They are also in violation of Georgia law XXXX  code 9-3-25. 

As of XXXX XXXX XXXX, Equifax XXXX XXXX has reported XXXX XXXX to all three bureaus that I owe {$240.00}, this is a closed collection. I have asked that it be removed, they have not complied. 

As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX, has shown up on all 3 credit files as delinquent in the amount of {$1800.00}. This is incorrect information and I've asked for it to be removed. 
As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX has shown up on all 3 credit bureaus that I owe {$1800.00} I've never had a device with this company and I have asked that they remove this item multiple times. 

XXXX & XXXX both have listed my student loans with Dept of EducationXXXX with incorrect amounts, dates & delinquencies. I have asked that they be removed. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act, XXXX AKA XXXX Bank with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 2022-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Debt collector AssestCare LLC reported a XXXX debt to XXXX and it lowered my credit score. It says its connected to XXXX XXXX XXXX in XXXX XXXX XXXX, which I have never visited. I have received no correspondence at all regarding this debt and have no idea who it belongs to. I disputed it with XXXX and the response from the debt collector said payment received ( see attached ). I paid nothing and do not understand why this is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 : Also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX  Account # 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 : Also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-06-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act, XXXX  AKA XXXX Bank with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act, XXXX AKA XXXX Bank with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 non-monetary relief
Consumer complaint received 2022-06-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: WV

Complaint narrative:
I am a XXXX XXXX and am very familiar with the payment processes on a mortgage loan. My home is finance through Quickens Rocket Mortgage. I pay my personal mortgage ahead and with a little extra for principal every month. I was due for XXXX on XXXX the XXXX and I made that payment. I didn't remember to change the date of my next payment that is set up automatically through my online banking, so I made another payment on XX/XX/XXXX. That moved my next due date to XXXX. I assumed by paying my payments early that more of each payment would go toward principal since each payment was made less than 30 days apart. When I realized I had made 2 payments back to back I went online to see how much principal I had knocked out. To my surprise, when they processed my payments they took out a full months interest from both payments. I assumed the second payment would only have 1 days interest accrued taken out of it but it did not. It had a full 30 days of interest taken out. I called Rocket and explained that they had processed it wrong. The gentleman told me that it was correct that it goes by the amortization schedule. I told him the amortization schedule was simply a prediction of what I would pay, if I paid exactly as the schedule predicts, but I do not, I pay early. In this case months early and 2 days apart. He asked if I wanted him to send me a copy of the amortization schedule. I said no, I don't need that. I then told him I thought it was illegal for them to collect interest they had not earned. He assured me it was legal but I do not see how that is true. From what I understood after talking to him was that if I mailed them XXXX check for XXXX payments today in one envelope ( which is the number left on the loan ) they would take a full months interest from each one of those payments. I can't find any language in my note that states this process, only that they will pay interest fist and principal second, which is common. I can't believe what they are doing is acceptable and haven't found anyone who knows, so I am writing you. If this process is compliant, it should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX and 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

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 2022-06-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: FL

Complaint narrative:
I asked the credit bureaus to do an investigation of everything on my credit report and they did The investigation and stated everything on the report was accurate I also did an thorough investigation myself and found Improper in accuracies Even after they did their report In coordinates with the fair credit report acting XXXX account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 States also state a customer consumer agency can not furnish A report 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 non-monetary relief