vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-23 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: PA

Complaint narrative:
I REFINANCED MY CAR WITH A NEW LENDER XXXX XXXX XXXX XXXX IN XXXX OF XXXX. My old lender was XXXX XXXX XXXX. XXXX reported my old XXXX account XXXX XXXX XXXX as closed in XX/XX/2021 with XXXX late payment. Then in XX/XX/2021 XXXX reported the account opened again and reported XXXX more late payments when my Account with XXXX was closed and Paid in Full. I have disputed this account several times with XXXX and have received no response on this matter. I even sent them an invoice of several violations to my credit file including this one along with an invoice for remedy and a affidavit of truth notarized back in XXXX and I have not received any correspondence. Tracking number XXXX In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX, XXXX, and Equifax is violating my consumer rights by : Reporting Inaccurate Information on my consumer file which includes XXXX is reporting XXXX extra late payments for XXXX and XX/XX/2021 when account was closed since XXXX and Paid. 
XXXX reported my account closed in XXXX XXXX then reported it opened again in XXXX and added XXXX late payments XXXX is reporting XXXX late payments as well for XXXX and XXXX of XXXX  when account has been closed since XX/XX/2021 XXXX. Opened dates are all different for each consumer reporting agency. 
XXXX is reporting Account status as closed. XXXX is reporting as paid. Equifax is reporting as closed 6. Equifax is reporting XXXX extra late payments for XXXX, XXXX, and XXXX of XXXX 

Information on all three consumer reporting agencies are all different and inaccurate all across the board. 

I disputed this account several times with all three CRA 's and all three CRA 's stated that my account was properly investigated or they did not respond at all. How is that possible when the open date, payment history, date last active, account status are all inaccurate for all three CRA 's. This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions. 

Also XXXX took more than 30 days to complete investigation and the other two CRA 's XXXX and Equifax did not conduct a proper investigation and didn't respond at all. 
Tracking NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: PA

Complaint narrative:
I REFINANCED MY CAR WITH A NEW LENDER ( XXXXXXXX XXXX ) IN XXXX OF XXXX. My old lender was XXXX XXXX XXXX. Experian reported my old XXXX account XXXX XXXX XXXX as closed in XX/XX/2021 with one late payment. Then in XX/XX/2021 Experian reported the account opened again and reported two more late payments when my Account with XXXX was closed and Paid in Full. I have disputed this account several times with Experian and have received no response on this matter. I even sent them an invoice of several violations to my credit file including this one along with an invoice for remedy and a affidavit of truth notarized back in XXXX and I have not received any correspondence. Tracking number XXXX In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Experian, XXXX, and XXXX is violating my consumer rights by : Reporting Inaccurate Information on my consumer file which includes 1.Experian is reporting two extra late payments for XXXX and XX/XX/2021 when account was closed since XXXX and Paid. 
2.Experian reported my account closed in XXXX XXXX then reported it opened again in XXXX and added two late payments XXXX is reporting two late payments as well for XXXX and XXXX of XXXX when account has been closed since XX/XX/2021 XXXX. Opened dates are all different for each consumer reporting agency. 
XXXX is XXXX Account status as closed. Experian is reporting as paid. XXXX is reporting as closed XXXX. XXXX is reporting XXXX extra late payments for XXXX, XXXX, and XXXX of XXXX 

Information on all three consumer reporting agencies are all different and inaccurate all across the board. 

I disputed this account several times with all three CRA 's and all three CRA 's stated that my account was properly investigated or they did not respond at all. How is that possible when the open date, payment history, date last active, account status are all inaccurate for all three CRA 's. This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions. 

Also Experian took more than 30 days to complete investigation and the other two CRA 's XXXX and XXXX did not conduct a proper investigation and didn't respond at all. 
Tracking NUMBER : 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 2022-07-23 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: MN

Complaint narrative:
I believe my Experian personal credit report account has been affected by a security breach/someone using my information to try to obtain credit. 

This has been an issue since XXXX This has resulted in numerous hard inquiries which have depressed my credit score, made it hard to obtain credit, and made it hard for me to find housing. 

I would like these inquiries removed. Also, there needs to be more security in place to thwart unauthorized use of a person 's identity. 

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 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 non-monetary relief
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS. 
I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH XXXX XXXX XXXX. LV N FUNDING XXXX XXXX XXXX XXXX  YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE.. 
ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXXYOU ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXXXXXX LVN FUNDING ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a closed account that is reporting late payments on my account in error. I've contacted the company directly to ask to report accurately on my account and remove late payments. I was told that they could not do it and to speak to the credit bureau. I've spoken with the bureau " Transunion '' and my account still haven't been resolved. 

I have every right to have inaccurate errors removed on my account. and this error has not only hinder my credit report, but also everyday life when it comes to funding and education.

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 2022-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I received a call from Target on XX/XX/2022 asking if I opened a new credit card. I did not. They told me that there was a {$300.00} charge on the card. Some of my personal information was correct, but some was wrong, like drivers license # and email address. Target 's case number is XXXX. 

I then received a letter from XXXX XXXX on XX/XX/2022 asking if I opened a card. I did not. I called the next morning, XX/XX/2022 and reported this to to XXXX XXXX fraud dept. 

On XX/XX/2022, I also received a notification from XXXX ( account opened on XX/XX/2022 ) that XXXX XXXX inquired about opening a card. I have disputed that through XXXX. My case number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 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: TN

Complaint narrative:
I asked XXXX to verify an account placed on my credit. The company 's name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount asking {$140.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 604 A 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 2022-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
XX/XX/2022 We closed on a VA XXXX on XX/XX/2022, and our Mortgage switched from PHH Mortage co. to XXXX XXXX  to Federal Savings, on the XXXX. of XXXX. We understand that our next payment is in XXXX. While on vacation In NH. on XX/XX/XXXX. we stopped to fill up our XXXX XXXX which we just paid off with the refi. to our surprise, our Bank card was declined. We called our bank and were shocked to find out that PPH Mortgage not only extracted {$1800.00} ( our old payment ) from our account but we were hit With a {$35.00} overdraft charge. I got on the phone with PHH Mortgage at .about XXXX XXXX  I talked to a rep. Who just did not understand. I asked for a supervisor and was placed on hold, then disconnected. just about out of gas I called again and found myself frustrated with the automated service that wanted our account number, Not Submitting that to memory even when they held our mortgage. I finally got through and explained our situation yet again. the rep forwarded us to a specialist who advised us to snap-shot a copy of the {$1800.00} extraction and {$35.00} overdraft ( temp at this time in NH, was About XXXX ( 76 % humidity ) we obtained her EMail XXXX XXXX gave us our Acc # ( XXXX ) We sent the email and wanted our vacation money to be deposited into our account. It never happened? I had a friend Deposit some money for us so we could find some accommodations seeing that the place we rented for the week was canceled due to the owner 's contract covit, It's XX/XX/XXXX. And yesterday XXXX contacted us and said her boss could not reimburse us But could apply it to a mortgage payment with our new company, XXXX XXXX? Wich, we no longer have. Seeing we just refined with Federal Savings. Out of money, Patents and time Sincerely XXXX And XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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:
Reference information between all three agency reporting on XXXX Account XXXX opened XX/XX/2012 account is now closed. Information is not consistent. 

In accordance with the Fair Credit Reporting Act I believe this account has violated my rights 15 U.S.C 1681 602 A indicates States, I have a right to privacy. 

15 U.S.C 1681 604 A section 2 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 explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: RI

Complaint narrative:
THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS. 
I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH XXXX XXXX XXXX. XXXX XXXX XXXX AND SPRING OAKS CAPITAL YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE.. 
ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXXYOU ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPRING OAKS CAPITAL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: TX

Complaint narrative:
I recently submitted a complaint to have this old account from 2012 that I never gave permission to be furnished on my credit report deleted. For one the account is over XXXX XXXX XXXX and should been deleted years ago and for two I never gave any permission for this to be furnished on my report at all. Instead of deleting the account the company decided to raise my balance by {$1500.00}. I am submitting another complaint because this creditor has violated myself and my rights. The account was supposed to be removed or deleted but they just decided to violate me some more and raise the balance. I want this account deleted asap. Its original date was in 2012. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-07-23 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: MIDFIRST BANK
State: SC

Complaint narrative:
MidFirst / Midland Mortgage violated federal laws regarding the CARES ACT Forbearance and VA Partial Claim in that they charged unlawful late fees and other erroneous fees to my federally backed VA mortgage before and after the VA Partial Claim - even though my mortgage was never late, and then MidFirst / Midland Mortgage reported on my credit reports for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that my mortgage was late, delinquent, and past due between 120-149 days as of XX/XX/XXXX ( which is fraud and lying as I was current on my mortgage when I received the CARES ACT Forbearance in XX/XX/XXXX and through XX/XX/XXXX ). MidFirst / Midland Mortgage then issued a threatening letter in XX/XX/XXXX - after receiving the VA Partial Claim payment in XX/XX/XXXX that if I didn't pay late fees and other erroneous fees by XXXX XX/XX/XXXX then they would call the entire loan balance due and begin foreclosure proceedings. We disputed these late fee and erroneous fee amounts and stated this was in violation of federal law, but we paid the fees with the request that the fees be refunded. MidFirst / Midland Mortgage continues to assess late fees and erroneous fees during the time in which the mortgage was protected by the CARES ACT Forbearance - thus continuing to violate federal laws with regards to the CARES ACT Forbearance, VA Partial Claim agreement, TILA, FCRA, RESPA, FDCPA, while engaging in Fraud, Lying, Extortion, Racketeering, and Conspiracy to Commit. MidFirst / Midland Mortgage illegal actions and violations of the law caused me harm as my credit report suffered by losses at and over 100 points in XXXX, XXXX, and XX/XX/XXXX. My VA mortgage account number with MidFirst / Midland Mortgage is XXXX. MidFirst is the parent company of Midland Mortgage and their contact number is XXXX. U.S. Government Official - VA Official XXXX XXXX has evidence to support and substantiate this claim and his contact information is ( XXXX ) and his telephone number is XXXX option XXXX, then option XXXX - extension XXXX. This information regarding violations of federal law and criminal activity by MidFirst / Midland Mortgage was reported to the FBI as of XXXX XX/XX/XXXX, as they are engaged in a conspiracy with XXXX XXXX XXXX XXXX, XXXX ( the former mortgage company between XX/XX/XXXX - XX/XX/XXXX ). The victim, a 100 % XXXX Combat Veteran can be contacted by telephone at XXXX or by email at XXXX or by mail at XXXX XXXX XXXX, XXXX, SC XXXX. ///NOTHING FURTHER TO REPORT///

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 2022-07-23 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  Account 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: LA

Complaint narrative:
There are some hard inquiries on my credit report that I did NOT authorize. I am in distress with these fraudulent items on my report. Please have these unauthorized Inquiries removed from my credit report. Inquiries are listed below : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Please remove these from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: CO

Complaint narrative:
I went to a car dealership and was told XXXX would run my credit to see if I qualified for their financing, but when I checked my credit report it showed a whole lot of hard inquiries that I did not approve. The list is as follows : Transunion XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2022-07-23 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 Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation