vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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:
In Accordance with the Fair Credit Reporting Act, the list of accounts below has Violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instruction. 

XXXX5 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 record of convictions of crime which antedates the report by more than seven years. 

ACCOUNTS : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX date of unauthorized inquiry : XX/XX/XXXX XXXX XXXX- date of unauthorized inquiry : XX/XX/XXXX XXXX XXXX- date of unauthorized inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX date of unauthorized inquiry : XX/XX/XXXX XXXX XXXX XXXX- date of unauthorized inquiry : 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 2022-04-25 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:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer.

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 2022-04-25 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: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer.

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 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Parkway Financial Group, LLC
State: CA

Complaint narrative:
My mortgage loan transferred from Inspire Home Loans to XXXXXXXX XXXX in XXXX, XXXX However, not all of the funds in my Escrow made it to the second servicer during this transfer process. 

The second servicer, XXXX, claims that the first servicer, Inspire, paid my property taxes before the transfer. But, the first servicer expressly denies doing so. Even their year-end XXXX statement says property tax payments were {$0.00}. So, I'm in a catch XXXX here. Inspire claims they sent $ XXXX to XXXX. And XXXX claims they received only $ XXXX. 

Lost {$6000.00} in Escrow with neither parties willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I applied for a card through raymour and flanigan on their website while in the process of saving for a home I wanted to use this card to buy furniture in the future, I was approved I have received a card and theyve been reporting to my credit agencies, but I have no access to this account I am victim of identity theft and have my current address and phone number listed on my credit report I also check it often, theyre reporting the {$3500.00} account but I cant do anything with it, They insist I have the wrong number to verify my identity via text message, I can prove my identity but they give no recourse and tell me my account will remain indefinitely suspended until I can get this text message??? Im mortified and now concerned my credit will take a significant hit if its suddenly pulled off especially since I want credit with them and to be able to use it in the future. 

I find it repulsive that theyre depending on text message to open a {$3500.00} account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$130.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent I XXXX XXXX XXXX was approved for a Capital One XXXX XXXX Auto Loan on XX/XX/XXXX in the amount of {>= $1,000,000} for a XXXX XXXX XXXX submitted by XXXX XXXX XXXX XXXX XXXX sales associate XXXX XXXX, but under certain stipulations that violate Equal Credit Opportunity Act ( ECOA ), Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ). It has come to my attention that the criteria for qualifying applicants and determining interest rates is based on a TIER METHOD that ranges from 1-9. Please note that this method is in clear violation of the Equal Credit Opportunity Act as it intentionally discriminates against applicants with lower credit ratings, and applying higher interest rates and requiring down payments to applicants with a lower credit rating even though they qualify for credit. Also, based on the decision details the stipulations for the Auto Loan as mentioned in the comment section stated that there was a minimum down payment of {$1000.00}, maximum allowed maintenance is {$2000.00}, and maximum allowable payment is {$800.00}, all of which are clear violation and discrimination as an applicant can not be offered less favorable terms than someone else who qualifies for credit under Equal Credit Opportunity Act, Truth in Lending Act and should be included in the Finance Charge and the amount approved. These terms set forth by Capital One XXXX XXXX has impacted my ability to obtain goods and services for personal use, impacted my general mode of living, and impeded with commerce. I am requesting that Capital One set forth favorable terms that are issued for someone else who qualifies with a better rating. As I understand credit rating is one of the factors for consideration it is NOT a deciding factor. Please be advised that these stipulations set forth by Capital One XXXX XXXX does constitute adverse action and has caused actual damages in the amount of {$38000.00} and any failure to remedy this Auto Loan or provide favorable terms you agree that the above-mentioned statements are true and that XXXX XXXX XXXX may take all necessary steps to collect the amounts owed to him. You have THIRTY ( 30 ) DAYS upon receiving this complaint to cure any defects. 

Thanks for your immediate attention regarding this matter! 
Very Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was reviewing my credit report and noticed a couple hard inquiries that I do not recognized or gave consent to. 

XX/XX/21 - XXXX XXXX XXXX XX/XX/21 - XXXX XXXX XX/XX/21 - Capital One Auto Finance I called these companies and they were not able to provide me with details regarding the hard inquiries. Please I want these removed from my credit report. 

I called XXXX about these hard inquiries and they refused to help me. Please CFPB help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: Westlake Services, LLC
State: MN

Complaint narrative:
I was reviewing my credit report and noticed a couple hard inquiries that I do not recognized or gave consent to. 

XX/XX/21 - XXXX XXXX XXXX XX/XX/21 - NOWCOM/Westlakes Fiancia  XX/XX/21 - XXXX XXXX XXXX XXXX I called these companies and they were not able to provide me with details regarding the hard inquiries. Please I want these removed from my credit report. 

I called XXXX about these hard inquiries and they refused to help me. Please CFPB 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 2022-04-25 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: NJ

Complaint narrative:
XXXX XXXX fail to provide FORM 1099-C for a Charge-off// The lender must file form1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter XXXX. 

The above paragraph is taken directly from the IRS 2021 publication.

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 2022-04-25 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: CA

Complaint narrative:
I have disputed items with all three credit reporting agencies and the investigation took well over 30 days I was never notified of results or status of my dispute.

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 2022-04-25 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: MI

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. 
DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT / XXXX # XXXX DPT/ XXXX  # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX mi XXXX Inquiries XXXX XXXXXXXX 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 : 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 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 2022-04-25 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: MI

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. 
DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT / XXXX # XXXX DPT/ XXXX # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX mi XXXX Inquiries XXXX XXXXXXXX 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 : 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 2022-04-25 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I went onto XXXX XXXX and received a credit score of XXXX, and you guys are saying my score is XXXX, thats a drastic change

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
There is an account from Pentagon Federal Credit Union that has continuously been reporting a charge-off on my credit report on a month-to-month basis, even though it was closed since XX/XX/2017. I have previously submitted disputes to the credit bureaus and Pentagon Federal Credit Union directly. 

Upon checking my credit report again now in XXXX, the account has not been corrected or removed. I also see that the dispute remark is missing. The account also states it was closed at consumer 's request ; I never requested to close the account. 

If an account was truly closed because I requested to close it, how can it continuously be reporting a charge-off each month? This is inaccurate because the account is closed. 

How can this account be reporting without showing the date it was closed? If the date closed is not reporting, then it is unverified information. 

It is also unfair to report negative information but not positive information, specifically the on-time payments I have made on the account that are showing as " No Data ''.

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 2022-04-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXDPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Tried to open account with wells fargo online. Completed the process and got an email that due to fraud they believed they are closing the account. BUT they took the money out of the linked chase account. The chase account was deducted {$500.00}. Wells fargo shows {$0.00} balance. 3 hours of calls and still no money back from wells fargo, no one knows the right department and I am now ~1 week without my {$500.00}. If they dont want my account fine but dont take the money to fund the new account then decline it and fail to return the money.

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 2022-04-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed items with all three credit reporting agencies and the investigation took well over 30 days I was never notified of results or status of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: CA

Complaint narrative:
I have disputed items with all three credit reporting agencies and the investigation took well over 30 days I was never notified of results or status of my dispute.

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 2022-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VT

Complaint narrative:
This is part two. Part one was Complaint ID XXXX. My loan is on the XXXX plan. Part one was about the servicer trying to say I made less payments than I did. 

Now, even though they said I made XXXX out of XXXX payments, they are telling me I need to send income tax info from XXXX. I mailed a set on XX/XX/XXXX. Then they said my IDR request was denied because they didn't get my tax forms. So then I emailed them to MOHELA on XX/XX/XXXX. 

Now they sent me a letter dated XX/XX/XXXX saying " We apologize but we are unable to grant your request for an income driven repayment plan. '' Then it said " A forbearance may have been granted for up to 60 days. '' I heard that this is called FORBEARANCE STEERING and it is illegal. Can I sue MOHELA for doing this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I had a medical bill placed on my report that was already paid due to an automobile accident. I have submitted the paperwork and the company and the bureaus have refused to update and remove this from my credit report. I even went to court with the company showed my proof to the judge and it was dismissed I sent in proof from the court with my complaint to the bureau yet on my current dispute they said it was accurate and didn't remove it.

Company response to consumer: Closed with explanation