vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My personal information incorrect I can't uptain credit keep getting denied Data systems generated an change my personal information to undefinable identity that incorrect can't even use my social security number with out saying don't match or record we have on file basically my social security number is no longer available for me it's in another identity so I know longer can use it no more I'm lost confused due theft they refusing to take my personal information out Alabama law enforcement data systems need my personal information removed from out the Alabama database background illegally incorrect information an they keep arrested me I'm victim bad

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 2023-02-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I CALLED EQUIFA, XXXX AND XXXX SO MANY TIMES I CANT COUNT. THEY HAVENT UPADTE MY ACCOUNT. AND ALSO THE CREDIT ONE HASNT DONT THERE JOB TO UPDATE MY ACOUNT. THIS HAS CAUSE DAMAGE TO MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: TX

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts below have violated my Federally Protected Consumer Rights to Privacy and confidently, pursuant to 15USC 1681 section 602a which states that I have a right to privacy. They have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15USC 1602 ( p ), violates 18USC894. Using my TRADENAME without express written consent in violation of O.C.G.A. 16-9-93.1 Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CORPORATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DEPT OF EDXXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX They have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2. Additionally it clearly states under 15 USC 1681 section 604a section2 that a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) Duty of furnishers on 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 accurate.

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 2023-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
XX/XX/2022 we applied for a new loan and was denied based on a negative credit report from SPS stating we owed them XXXX. We provided information showing our home sold on the XXXX of XX/XX/2022, proof of payoff to the mortgage company on the XXXX. The closing attorney office also made contact to verify they sent payment. After a 30 day review by SPS, they are now telling us they did not honor our original payoff quote sent by them on XXXX XXXX for {$200000.00} because they made an HOA payment to the condo association on XXXX in the amount of {$2900.00}. We did not owe this money to the HOA as we are required to have a clear 6D to close. We received our 6D on XXXX for our XXXX closing. In addition, SPS is stating they paid {$800.00} on XXXX XXXX for city taxes on a property we do not own. Because of this additional {$3700.00} they disbursed to the HOA and City tax department they will not honor our original check in the amount of {$200000.00}. Their quote from XXXX expired on XXXX XXXX, we closed on the XXXX of XXXX and the quote they sent should be honored. The closing attorney and I have both provided documentation of the payoff quote from them, copy of the fed express mailing with the payoff check. We seek your help with getting the mortgage company to honor the original payoff quote and apply the check we sent. Remove late fees and negative credit reporting. For then to request funds they sent on a sold property to City Taxes and the HOA office directly and not try to force us to pay for their mistake. We are unable to secure a new loan to purchase our next home due to their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
In XXXX of 2022, my AAA Visa card was owned by XXXX  XXXX XXXX. I disputed a charge and notified bank. In XXXX, XXXX  XXXX XXXX resolved dispute and sent me a letter confirming charge would be removed. 

In XXXX, 2022, Comenity Bank took over this card from XXXX  XXXX XXXX. They sent my account to a collection agency saying I owed for the XXXX, 2022 charge plus interest. I sent Comenity ( by registered mail ) proof that this charge had been resolved by XXXX  XXXX XXXX. Comenity sent me a letter saying that since they received notification for the XXXX charge in XXXX, I was not eligible for the refund. 

Comenity was NOT the bank holding the card in XXXX of 2022. XXXX  XXXX XXXX was and they resolved the issue. Comenity resurrected a dispute for a charge from another bank and are ignoring my proof that it was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I CALLED XXXX, TRANSUNION AND XXXX SO MANY TIMES I CANT COUNT. THEY HAVENT UPADTE MY ACCOUNT. AND ALSO THE XXXX  XXXX HASNT DONT THERE JOB TO UPDATE MY ACOUNT. THIS HAS CAUSE DAMAGE TO MY CREDIT SCORE.

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 2023-02-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I CALLED XXXX, XXXX AND EXPERIAN SO MANY TIMES I CANT COUNT. THEY HAVENT UPADTE MY ACCOUNT. AND ALSO THE XXXX  XXXX HASNT DONT THERE JOB TO UPDATE MY ACOUNT. THIS HAS CAUSE DAMAGE TO MY CREDIT SCORE.

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 2023-02-22 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX CHILD SUPPORT ENF AGXXXX XXXX CHILD SUPPORT ENF AGXXXX XXXX XXXX CHILD SUPPORT ENFRCMT XXXX DEPT OF DEFENSE XXXX XXXX XXXX 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 that I have the right to privacy.

15 U.S.C. 1681 section 604 A. States that 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 2023-02-22 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT XXXX XXXX DEPT OF DEFENSE XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 15 U.S.C. 1681 section 602 A. States that I have the right to privacy. 15 U.S.C. 1681 section 604 A. States that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
my name is XXXX XXXX my father XXXX XXXX XXXX XXXX address XXXX XXXX tx XXXX passed away in 2021 XXXX i have payed XXXX toward the mortgage and escrow and I'm needing clarification on debt owed and plus change over from XXXX XXXX to the Wells Fargo. payment modification, in the summary auditinterest, owed, paid and in full. Wells Fargo hedge you have to get back to 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 2023-02-22 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 the following accounts below have violated my Federally Protected Consumer Rights to Privacy and confidently, pursuant to 15USC 1681 section 602a which states that I have a right to privacy. They have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15USC 1602 ( p ), violates 18USC894. Using my TRADENAME without express written consent in violation of O.C.G.A. 16-9-93.1 Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX They have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2. Additionally it clearly states under 15 USC 1681 section 604a section2 that a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) Duty of furnishers on 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 accurate.

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 2023-02-22 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 the following accounts below have violated my Federally Protected Consumer Rights to Privacy and confidently, pursuant to 15USC 1681 section 602a which states that I have a right to privacy. They have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15USC 1602 ( p ), violates 18USC894. Using my TRADENAME without express written consent in violation of O.C.G.A. 16-9-93.1 Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have violated my rights and restraint of trade in violation of XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally it clearly states under 15 USC 1681 section 604a section2 that a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) Duty of furnishers on 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: OH

Complaint narrative:
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Date : XX/XX/2023 Failure to investigate Name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX mi, XXXX SSN : XXXX Date of XXXX To : Dear Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Your XXXX XXXX verified the below account. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me how. FAILURE TO INVESTIGATE, please re-investigate and DELETE ALL items lists below. 

( XXXX ). Creditor : Account : XXXX XXXX  # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE Please send me details on how this account was verified. 

Thanks!

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 2023-02-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint narrative:
Date : XX/XX/2023 Failure to investigate Name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX mi, XXXX SSN : XXXX Date of XXXX To : Dear Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Your XXXX XXXX verified the XXXX account. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me how. FAILURE TO INVESTIGATE, please re-investigate and DELETE ALL items lists below. 

( XXXX ). Creditor : Account : XXXX XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX  # XXXX Reason : FAILURE TO INVESTIGATE Please send me details on how this account was verified. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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