vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-14 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: PA

Complaint narrative:
I called in XXXX to report inaccuracy with the following : XXXX XXXX Inquiry in XX/XX/2022, which i did not apply for. 

XXXX XXXX  XXXX XXXX, on XX/XX/XXXX and 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
Consumer complaint received 2023-04-14 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: PA

Complaint narrative:
I called in XXXX to report inaccuracy with the following : XXXX XXXX Inquiry in XX/XX/2022, which i did not apply for. 

XXXX XXXX XXXX Inquiry, on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
This is a notice and request as per the Fair Debt Collection Practices Act ( FDCPA ), [ 15 U.S. Code 1692 ( g ] for validation of debts made pursuant to the FDCPA laws. In order to validate this debt under the law that exists, please provide me with ALL of the below mentioned items : The identity of the original creditor. 
The amount of the alleged debt. 
The name and address of the original creditor, if different from the current creditor. 
The original lawful contract signed by both parties in wet ink, therefore binding both parties, ( the natural person ), and GOLDMAN SACHS BANK, that prove I agreed to pay the alleged amount. 
A XXXX accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. 
Proof of compliance with the truth in lending laws of the United States Code, title Title 15 1601 et. seq. and Regulation Z.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX # XXXX Under FCRA rule 611 ( 15 U.S.C. 1681I ) 1A : Reinvestigation, TransUnion never lived up to the spirit of the law, because they did not, in earnest reinvestigate the complaint. The documents ( CREDIT REPORT ) of the Result of there Investigation indicated that under the previous investigation, the account was determined to belong to me., THUS INDICATING THERE AS NO REINVESTIGATION.

Under FCRA rule 611 ( 15 U.S.C. 1681I ) 2B : TRANSUNION AS THE FURNISHER OF THE INFORMATION TO THE PUBLIC HAS NOT TO DATE GIVEN THE COMPALINENT any information IT VERIFIED AS USE IN ITS INVESTIGATION. AS IS MY RIGHT UNDER THE LAW, TRANSUNION HAS TO DATE, AND ALL DOCUMENTED DISPUTE NEVER SENT ME ANY DOCUEMENTS SHOWING MY " WET '' SIGNATURE ON ANY DOCUMENT SHOWING MY RESPONSIBILITIES, A COPY OF " ID SHOWING MY LIKENESS '', ANYITHING UNDER THE RULE OF THE LAW THAT CONSTITUTES IDENTYFING ONES PERSON AS THE RESPONSIBLE PERSON OF SAID ACCOUNT. BY LAW AS THE FURNISHER OF THE INFORMATION, I AM ENTITLED TO THE INFORMATION TRANSUNION USE TO VERIFY THIS ACCOUNT AS BELONGING TO ME. ( I HAVE NOT RECEIVED ANYTHING, NOT A BILL, FROM XXXX XXXX, NOTHING AND I MEAN NOTHING INDICATING ANYTHING, ) WHAT ARE THE DOCUMENTS USED TO VERIFY? AM I NOT ENTITLED TO SEE SOMETHING.

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 2023-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. i have include a copy of my social security my driver license and bank statement for verification. f you are unable to verify the account with the original contract, with my signature the information should be removed from my credit report immediately

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 2023-04-14 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: ND

Complaint narrative:
Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. i have include a copy of my social security my driver license and bank statement for verification. f you are unable to verify the account with the original contract, with my signature the information should be removed from my credit report immediately

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 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
I was living with my now ex girlfriend in an apartment in XXXX California. She moved out in XX/XX/XXXX and I moved out in XX/XX/XXXX. I sent notice to the property management company that I would be moving out by the end of XXXX on XX/XX/XXXX. The management company replied to that email regarding another topic that was contained in the email. On XX/XX/XXXX. I received an email from the management company stating that my move out date was XX/XX/XXXX and they had charged me an additional three months rent as well as late fees three separate times for those months. I was never notified of these charges and I was never notified when they sent that Det to a collection agency. My ex girlfriend received a call from the collection agency last week stating that we owed roughly {$5000.00} that had to be paid by the XXXX of this month to avoid a negative impact on credit reports, We explained the situation to the person on the phone, but they were either unable or unwilling to allow us time to sort out the situation with the management company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On about XX/XX/XXXX I took out a loan to purchase a house with XXXX XXXX XXXX in the amount of {$350000.00}. At the time I only put 15 % down which required me to get PMI on the loan. The plan was always to improve the subject property and I was specifically told by my lender XXXX XXXX XXXX XXXX, prior to closing on the loan that I could have the PMI removed at any time if the then appraised value of the property resulted in an LTV of at least 80 %. This agreement is further evidenced by the specific PMI removal instructions XXXX XXXX XXXX sent me on XX/XX/XXXX. Sometime earlier this year Chase acquired my loan from XXXX XXXX XXXX After being made aware that my loan had been sold to Chase I contacted Chase to find out how to start the PMI removal process. On XX/XX/XXXX Chase sent me a letter outlining a completely different set of PMI removal terms which, among other things, provides that : ( a ) I am not eligible to have the PMI removed if the loan is less than 2 years old ; and ( b ) that in order to have the PMI removed at any time the then appraised value of the property must result in an LTV of at least 70 %. As provided above, the PMI removal terms given from Chase are substantially different from the terms given by my original XXXX XXXX XXXX XXXX XXXX I have repeatedly tried to explain this to Chase 's representatives and have even sent them a copy of the PMI removal term letter I received from XXXX XXXX XXXX After over a month of back and forth Chase still refuses to honor my original PMI removal terms. The PMI removal terms given to me by my original lender, XXXX XXXX XXXX, were in place at least as of XX/XX/XXXX when the letter was sent to me. Chase subsequently acquired that loan and therefore takes it subject to all of the agreements and obligations of the original lender including these PMI removal terms. Therefore they should be required to honor the PMI removal terms that were given to me by XXXX XXXX XXXX in the XX/XX/XXXX letter. For clarity here, XXXX XXXX XXXX was not simply a servicer of my loan, they were the original named lender on my loan. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Note, this is a resubmission of a complaint that was previously submitted ( ID XXXX ). In response to that complaint Chase insisted that I still need to maintain a 70 % LTV in order to remove the PMI because they insist this property is a " Family Investment Property. '' That is not the case. This loan was set up a " Second Home '' loan which is why I was ale to only put 15 % down for the loan. As such, this would mean I should only need an 80 % LTV to remove the PMI as I have been stating from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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:
in accordance with the Fair Credit Reporting act XXXX Accounts ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, and 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 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 2023-04-14 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: CA

Complaint narrative:
THE FAIR CREDIT REPORTING AT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681 SECTION 6 602 EIGHT STATES THAT HAVE THE RIGHT OF PRIVACY ALSO 15 USC 1681 SECTION 604 A SECTION TWO I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH THE ACCOUNT WITHOUT MIGRRANT INSTRUCTIONS USC 1681 C85 SECTION STATES NO CONSUMER REPORTED HD MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF IMFORMATION AND OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF PROBATION OR CRIMES WHICH ANTI- DATE THE REPORT BY MORE THAN SEVEN YEARS RIGHTS 1.ACC NAME, ( XXXX XXXX XXXX XXXX ACCT # XXXX DATE XX/XX/XXXX ) XXXX XXXX NAME, ( XXXX XXXX XXXX XXXX ) ACCT # XXXX DATE XX/XX/XXXX ) AMMOUNT PAID AND CLOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
Ive sent A identify theft affidavit.. to the credit bureaus as a victim of fraud ive been challenging this accounts and its being put back on my account I have tried countless of times.

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 2023-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Since I miss a payment Im not able to trade in my car or get a lower payment. I tried to trade the car in numerous time at XXXX XXXX. This car loan has drop my credit tremendously. Please help 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 2023-04-14 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: WI

Complaint narrative:
I was sent information on letters stating that they verified it through the original creditor, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report.

I. WHAT YOUR COMPANY NEEDS TO KNOW 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) ) contained in my credit/consumer file.

2. I carefully investigated this incident, the U.S. Bankruptcy Court never provided any information to your company, nor do they ever validate and/or confirm public records ; 3. The public records information is never validated by the Recorder of Deeds nor the U.S.

Bankruptcy Court system due to the Fair Credit Reporting Agency Privacy Law ; 4. The U.S. Bankruptcy Court confirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them. They further stated while they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly ; 5. Your company reported unverified derogatory information to my consumer/credit report ; 6. Your company failed to provide me with competent and documentary evidence to prove that the disputed information is verified. The law is clear : " If the CRA can not validate the information with the information furnisher, CRA must remove said information from the consumer file '' ; 7. According to the FCRA, I have the right to an accurate consumer/credit report. 

YOU HAVE 15 DAYS FROM RECIEVEING THIS TO REMOVE IT or I will file a lawsuit.

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 2023-04-14 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:
I was about to apply for credit and looked at my credit report and was amazed at all the inaccurate and false information in direct violation of the Fair Credit Reporting Act. On the Attached Identity theft report the listed accounts has violated my state and federal protected consumer rights to privacy and confidentiality under 15 USC 1681. This law says i have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) 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. And lastly under 15 USC 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 reason to believe that the information is inaccurate. 

Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion : XXXX XXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : XXXX XXXX reported XX/XX/XXXX Account for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX  XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TX

Complaint narrative:
I was about to apply for credit and looked at my credit report and was amazed at all the inaccurate and false information in direct violation of the Fair Credit Reporting Act. On the Attached Identity theft report the listed accounts has violated my state and federal protected consumer rights to privacy and confidentiality under 15 USC 1681. This law says i have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) 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. And lastly under 15 USC 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 reason to believe that the information is inaccurate. 

Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion : XXXX XXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX Account for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : 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 2023-04-14 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: Torres Credit Services, Inc.
State: IL

Complaint narrative:
I am seeing someone else details on my credit report when checked with " XXXX ''. I only have 2 credit cards on myself which are XXXX and XXXX  but I see there is a third credit card which is called " XXXX '' which does not belongs to me and someone is maintaining that credit card along with that there another account called " Torres Credit SRV '' which is some debt collection service and shows that I owe {$280.00} but I donot owe money to anyone or any credit cards.

I make my payment on time. Because of there 2 reasons my credit score got dropped by XXXX points when checked with XXXX but when check with XXXX or XXXX my credit score is correct which I was expecting. 

I tried reached out to XXXX support and they raised fraud request on both companies and told me to file a police report as well which directed me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Ive already spoken with National Credit Systems. Told them they are trying to collect the wrong amount, the information they have is incorrect and inaccurate info. I told him several times, called back in XXXX of 2023 to discuss this. Nothing but attitude from this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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:
I have attached an FTC report with fraudulent inquiries I did not authorize

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