vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 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:
In accordance with the fair credit reporting act XXXX XXXX Account # 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 account # XXXX, and XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX credit pass complaint to XXXX and XXXX measure the act and report herein to remove Oportun credit inquiry, and XXXX XXXX XXXX assuming lower credit score and their loss is a debt and has no other financial registry 's for applicability used uses with out gain passed my credit score and fabulous report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Since XX/XX/22, I have been having issues with these accounts reporting inaccurate information on my credit report. I have submitted numerous letters requesting verification of these accounts. I have not received any updates in regards to this issue. Accounts reporting to the credit bureaus must report XXXX percent accurate. These accounts are as following XXXXXXXX XXXX XXXX  USAA Savings Bank XXXX and XXXX XXXXXXXX XXXX  XXXX 

I am respectfully requesting the deletions of these accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
" During a phone call on XX/XX/XXXX, you clarified you were not asking for a copy of the Note, but rather you were requesting a document which showed the rights of this loan was transferred from Countrywide to Bank of America. Due to the MERS HELOC Deed of Trust, we are unable to provide a paper Assignment of Mortgage. However, this is public information, and you can contact the XXXX XXXX XXXX XXXX for the Assignment of Mortgage, if needed. For your convenience, we have enclosed a copy of the Deed of Trust and Note. '' Please refer this response above from Bank of America from my last complaint. 

I was not asking copy of the deed of trust and note. I already have those in my file. I again rechecked that XXXX XXXX XXXX does not have any paper assignment recorded from Countrywide to Bank of America when Bank of America acquired this MERS HELOC Deed of Trust as you are mentioning. Also I am not sure whether Bank of America did any assignment to another bank even thru MERS and not by paper when the servicing was transferred to XXXX XXXX XXXX on XX/XX/XXXX. Please disclose that information if any assignment was done to another bank. This information is very important for me as consumer in the context of NRS 106.210 which is as follows : XXXX of assignments of mortgages or beneficial interests in deeds of trust ; constructive notice ; effect of unrecorded assignments. [ Effective XX/XX/XXXX. ] 1.Any assignment of a mortgage of real property and any assignment of the beneficial interest under a deed of trust must be recorded in the office of the recorder of the county in which the property is located, and from the time any of the same are so filed for record shall operate as constructive notice of the contents thereof to all persons. A mortgage of real property which has been assigned may not be enforced unless and until the assignment is recorded pursuant to this subsection. If the beneficial interest under a deed of trust has been assigned, the trustee under the deed of trust may not exercise the power of sale pursuant to NRS 107.080 unless and until the assignment is recorded pursuant to this subsection. 

2.Each such filing or recording must be properly indexed by the recorder. 

So Bank of America is requested to answer specifically as follows : a. Any paper assignment recorded from Countrywide to Bank of America. answer yes or no? 
b. Any subsequent paper assignment recorded from Bank of America to another bank or debt company. answer yes or no?

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 2022-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
This company called Allstate credit bureau continues to harass me without validation of debt without any notice of the debt without any documentation and I don't know what it is for and they continue to put it on my credit report and try to run my credit report. I've had to go to the length of freezing all of my credit reports as I was a victim of identity theft and I don't know who this is or the company or the debt. They are attempting to say that I over {$10000.00} and fees related to housing during covid when there was a moratorium on rent and during a time I didn't live in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
TRANSUNION IS STILL INACCURATELY REPORTING LATE PAYMENTS ON THIS ACCOUNT : XXXX XXXX XXXX # XXXX : This account was never late, it was paid in full and closed on XX/XX/2022 TRANSUNION STILL KEEPS REPORTING DIFFERENT PAYMENT HISTORY CHANGES. WHY? THIS ACCOUNT WAS PAID OFF MONTHS AGO, WHY IS TRANSUNION REPORTING ON TIME PERCENTAGE CHANGES? RECENTLY TWICE IN XX/XX/2022? WHERE IS THIS INFORMATION COMING FROM? ON XX/XX/XXXX OUT OF NOWHERE A MISSED PAYMENT WAS ADDED, THIS IS UNVERIFIED, UNTRUE AND WITHOUT ANY PROOF. WHY IS TRANSUNION CHANGING MY PAYMENT HISTORY TWICE IN ONE MONTH, 6 MONTHS AFTER THE ACCOUNT WAS PAID IN FULL. 
I HAVE ALREADY DIPSUTED THIS ACCOUNT 5 TIMES AND ASKED FOR LATE PAYMENT PROOF AND VERIFICATION OF TRANSUNIONS INDEPENDANT INVESTIGATION RESULTS, NOTHING WAS EVER PROVIDED TO ME FROM XXXX written proof EVER!! 
TRANSUNION IS VIOLATING MY RIGHTS AGAIN, I HAVE BEEN FILING MULTIPLE COMPLAINTS ALREADY AND I WILL HAVE TO CONSULT WITH A CONSUMER ATTORNEY TO PROTECT MY CONSUMER RIGHTS.

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 2022-08-28 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: FL

Complaint narrative:
I was trying to buy a car and they used my information improperly

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Admin Recovery, LLC
State: WI

Complaint narrative:
I wanted to get a loan for a car on XX/XX/XXXX and the car dealership told me that I owe XXXX $ to a furniture company in California. They also told me that there are multiple accounts open in other states, also " Admin Recovery , LLC '' a debt collection agency in XXXX XXXX, New York keeps calling me and family members in trying to collect money for furniture I didn't buy in California. I fear my identity is being taken and this is effecting my credit score and I can't buy anything at the moment.

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 2022-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Also IRS defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. 
This charge off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 Credit inquiries I don't recognize in my Credit Report : - XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX Bank XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/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 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

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 2022-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Also IRS defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. 
This charge off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A.- 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 a account without my written Instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: Nelnet, Inc.
State: FL

Complaint narrative:
This is not a the same complaint, this is a new complaint with new information attached. 

The last complaint I filed for Identity theft because I did not recognize the accounts on my credit report. After talking with my previous loan servicer, I have new information. 

The attached letter shows my 8 student loans listed under two account numbers that were for IRS tax reporting purposes. Those are the same 8 loans that were rehabbed, they were just housed under those two account numbers and need to be removed from my credit file. 

This is considered double jeopardy. 

attached you will find my rehab letter and my student loan letter from Great Lakes re acc # XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
In XXXX I qualified for a Pell Grant ( due to low income ), to attend XXXX. The grant was very small, so I was also approved to borrow the balance of my tuition in full, as the rest of my " financial aid package ''. After graduating and making payments on my loan for years, Sallie Mae went bankrupt. My account switched automatically, and now I somehow have a " private '' consolidated student loan account through Navient. I didn't qualify to have my payments stopped in XXXX, because they said they would keep charging interest on my account. I've been paying on this loan for 22 years, and my principle has only been reduced by a couple XXXX dollars. I don't earn enough to live comfortably and pay bills. It turns out that a college degree did not help me at all, and I'm worse off because of it. I'm forced to pay tens of thousands of dollars extra in interest, simply because I can't afford the normal monthly payment they determine I should pay.. These financial institutions can keep charging interest on an income driven plan as " punishment '', because I don't earn enough to pay their required monthly payment.. It's plain robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I first sent a letter to the courthouse on XX/XX/2022 asking the court do you report any personal information to any of the credit bureaus second I sent out a letter to the credit bureaus ask in the credit bureaus who furnish this negative information on my credit report Each letter I sent to the credit Bureaus was certified by mail On XX/XX/2022 I got a response from XXXX XXXX and XXXX but did not get a response from Experian and over 30 days I then send out another letter to them Experian on XX/XX/2022 I waited again over 30 days and still got no response from Experian

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 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I closed a credit card account with Bank of America about 2 months ago and paid off the remaining balance on XX/XX/2022. 
The employee I spoke with confirmed via phone that the card was completely paid off and that there would be NO remaining fees. The reference number for this call was # XXXX. 
I received a bill in the mail a few days ago stating a " finance charge '' of {$10.00} on XX/XX/2022. This makes absolutely no sense to me as the card is closed.

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 monetary relief
Consumer complaint received 2022-08-28 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Since XX/XX/22, I have been having issues with these accounts reporting inaccurate information on my credit report. I have submitted numerous letters requesting verification of these accounts. I have not received any updates in regards to this issue. Accounts reporting to the credit bureaus must report 100 percent accurate. These accounts are as following Santander, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I am respectfully requesting the deletions of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is not a the same complaint, this is a new complaint with new information attached. 

The last complaint I filed for Identity theft because I did not recognize the accounts on my credit report. After talking with my previous loan servicer, I have new information. 

The attached letter shows my 8 student loans listed under two account numbers that were for IRS tax reporting purposes. Those are the same 8 loans that were rehabbed, they were just housed under those two account numbers and need to be removed from my credit file. 

This is considered double jeopardy. 

attached you will find my rehab letter and my student loan letter from XXXX XXXX XXXX  XXXX # XXXX & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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: FL

Complaint narrative:
This is not a the same complaint, this is a new complaint with new information attached. 

The last complaint I filed for Identity theft because I did not recognize the accounts on my credit report. After talking with my previous loan servicer, I have new information. 

The attached letter shows my 8 student loans listed under two account numbers that were for IRS tax reporting purposes. Those are the same 8 loans that were rehabbed, they were just housed under those two account numbers and need to be removed from my credit file. 

This is considered double jeopardy. 

attached you will find my rehab letter and my student loan letter from XXXX XXXX XXXX  XXXX # XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 instructionsCredit inquiries on your report that you don't recognize Credit inquiries are reporting on my Credit Report and i don't recognize : - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 instructionsCredit inquiries on your report that you don't recognize Credit inquiries are reporting on my Credit Report and i don't recognize : - XXXX Miscellaneous Banks XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - XXXX Miscellaneous Automotive XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Banks XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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