vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: MS

Complaint narrative:
The Credit Bureaus XXXX XXXX, Equifax, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX  Account Number XXXXXXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX, Inquiry Date XX/XX/XXXX XXXX, Inquiry Date XX/XX/XXXXXXXX XXXX XXXX, Inquiry Date XX/XX/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 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 2022-06-07 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: MS

Complaint narrative:
The Credit Bureaus XXXX XXXX, XXXX, and Experian ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX, Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX, Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/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 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 2022-06-07 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Agent XXXX : Escalation Team- XXXX XXXX Employee ID : XXXX Failed to resolve ongoing credit fraud issues, after being on the phone with Wells Fargo 1 hour and 19 minutes.

Fraudulent Credit Card, reporting to XXXX XXXX XXXX credit reporting accounts, for a card ending in XXXX. 

XXXX had a card ending in XXXX, which was paid and closed, due to fraud and mishandling, by Wells Fargo. 

Wella Fargo continues to fraudulently report a fraudulent credit account, for XXXX XXXX XXXX, a XXXX XXXX XXXX woman, with 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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against and there is no third party involved. All three major credit bureaus have my personal information inaccurate on my consumer report. My name is spelled incorrectly. My addresses are inaccurate. The phone numbers are inaccurate, they dont belong to me. The employer section is inaccurate, I do not work for those places. The name on my ID and social security card is how my name should be spelled. The address on my ID is the only address that should be shown on my credit report. I DEMAND all three of the major credit reporting bureaus TO CORRECT THIS INACCURATE INFORMATION WITHIN XXXX BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, SERVICES, A PLACE TO LIVE FOR MY FAMILY AND, TRANSPORTATION AND MORE. ALL THREE CREDIT BUREAUS are now liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance with all three credit bureaus failed to comply. Pursuant 15 USC 168 1 and any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I demand All three credit bureaus to provide me with a copy of my written instructions and consent to furnish these fraudulent and inaccurate said accounts ( Exhibits provided ). Also please provide me with

their Verification method to verify said accounts. In accordance with the FAIR CREDIT REPORTING ACT ( FRCA ) These three credit bureaus HAVE VIOLATED MY RIGHTS 16 USC 1681 SECTION 602 states I have right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written permission or instructions. I only want positive reporting on my report, from this day forward.

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 2022-06-07 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: TRANSWORLD SYSTEMS INC
State: OK

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 XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item 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 2022-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

15U.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.

Also I contacted the debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts According to 15 U.S Code 1681i ( 5 ) the above accounts are in violation.

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 2022-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

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

15U.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.

Also I contacted the debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts According to 15 U.S Code 1681i ( 5 ) the above accounts are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IA

Complaint narrative:
At the beginning of the year I joined my families XXXX family and friends discount. I ( we ) were told once my final bill was paid they would proceed to switch me to their account. This is what was done. The final bill was paid and i was switched over to their account. Then a month later I received a bill saying I owed another payment. In other words the multimillion dollar company messed up. We contacted customer service and was told the amount had been paid and everything was good. Now I have received emails and phone calls from this company IC systems harassing me for money I do not owe.

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 2022-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Sensible Auto Lending, LLC
State: TX

Complaint narrative:
In 2018 I financed a car with XXXX XXXX. for the past year + I've been paying a company called sensible auto. i have never signed any documents with them nor have i agreed to do any business with them. based on XXXX XXXX  i have paid 100 % of this loan. sensible auto has butchered my credit with a loan i never had with them. from XXXX credit score to less than XXXX this company is now telling me that i owe them an additional XXXX per month for XXXX more months. i have asked them for the contract several times and they will not produce one. all i want is my credit fixed back the way it was cause it took time and hard work to get it there and the title to my car it also wouldn't hurt to get back some of my money that they stole from me. This company is finding a legal way to get away with strong arming and robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: MI

Complaint narrative:
I mailed 2 disputes to the 3 credit bureaus last year on XX/XX/XXXX and XX/XX/XXXX. This year, I mailed 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive XXXX single response to the dispute letters I mailed out from XXXX, XXXX, or TransUnion, with 1 exception. TransUnion sent me a letter saying that they applaud me for working on my credit but, they don't believe that the dispute was sent from me... who else would it be sent from. I'm tired of these stall tactics, these companies are blatently violating the FCRA law.

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 2022-06-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am trying to work with PHH Mortgage for my uncles property of which I have power of attorney and they are not responding to my repeated requests for information or help. They answer the phone overseas and do not transfer me to anyone who is actually helping me obtain any information needed to save his property. I have the right to recover the property and they are not helping the process at all. They also did a refinance last year after he had a XXXX and he does not understand everything he signed for and now he is losing his house to these predators. Help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In cordance 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. 
XXXX Account #. Has violated my rights 15 USC 1681 section 602 A. Status I have the right to privacy 15 USC 1681 section 604a section 2 : it also States a consumer reporting agent can not furnish a account without my written instructions 15 USC 1681 c. ( A ) ( 5 ) section status : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 USC 168 1 s- ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has responsibility to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
Good afternoon, The representative I spoke with stated that after payment was made to rectify the account, the account would be removed from the 3 credit bureaus that it is being reported to. Now I've started the mortgage process to secure a home for my family and this negative account is still showing on my credit reports. My process is now at a standstill until I can get this matter rectified. Please honor our original agreement and send a request to the credit bureaus to delete this account from my credit reports, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: GA

Complaint narrative:
Reported wrong phone on me without an permissions of mine to report any phone no. 

Reported differences High Blance under different account no. 

Still Reported paid and close 7 yr past account. 

Reported different account transfers to another office to make account be like still open for payment. 

Reported open and opened date. 

Reported different account no.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disappointed with the denial letter and an appealing it. You have done a bait and switch we me and other cardmembers that may have had issues during Covidshame on you. 
Unsatisfactory payment history? Really? Since XXXX I have only been delinquent when I asked you for payment arrangements at the beginning of XXXX when I was out of work other than that 94 % of payments on time. You did not clear the past due payment for 3 months, even though an arrangement was in place. You caused the multiple delinquencies! 
Called in XX/XX/XXXX when I knew I could not make my payment. 
Enrolled in program XX/XX/XXXX Was XXXX payment delinquent! 
XXXX XXXX shows auto pay, but still delinquent for XXXX payment XXXX XXXX shows auto pay, but still delinquent XXXX payment XXXX XXXX shows current payment and auto pay. You made a change to bring the account current. You did that. 
You are also the only creditor that permanently closed my credit line when I asked for payment arrangements. None of the others did that. Also, I was running balances on the XXXX XXXX and XXXX accounts at the same time, and they were never delinquent! So, your denial reason of Unsatisfactory Payment history with Synchrony Bank is bogus. 
I enjoy shopping and XXXX and would hope that they are aware of your awful customer unfriendly credit practices. They lose customer spend when you do this. 
Please reconsider my request for a card. Which should be a reinstatement, not new credit.

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 2022-06-07 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, account ID # 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
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
ON XXXX MY HOMEOWNERS ' INSURANCECOMPANY, XXXX XXXX, PAID ESCROW FOR THAT ENTIRE YEAR- NO BALANCE OWED; IT STILL HAD MONEY WITHIN THE ESCROW. IN XXXX SELENE FINANCE , THE MORTGAGE CO. , REQIIRED THEY WANTED {$4400.00} TO CHARGED TO HELD AGAINST MY ESCROW ACCOUNT -- i SPOKE WITH LOAN REPS AND ASKED HOW TO RECTIFY THIS, THEY BUMPED MY MO. PAYMENTS UP BY XXXX. I AM SENIOR, XXXX ON SSA. ON XX/XX/21 THEY SUGGESTED i COULD PAY HOME INSURANCE IN FULL, GREATLY DECREASING THE MO. PAYMENT. I DID SO -- NOTIFIED THEM IN WRITING, AND SO DID INS. CO OF FULL YR 'S PAYMENT. OF HOMEOWNERS INSURANCES! MORTGAGE CO SAID " NEVER MIND, WE WILL HAVE ALL TAKEN CARE OF IT '' IN LESS THAN 6 MONTHS MY MO. PAYMENTS UPPED OVER {$1700.00} /MO!! DESPITE I DID PAY MY OWN INS., AND GIVEN THE MORTGAGE PROVIDED WRITTEN NOTICE AND COPY OF POLICY. XXXX  XXXX XXXX XXXX  HAS HAD OVER 167 COMPLAINTS AGAINTS THIS MORTGAGE COMPANY IN LESS THAN 36 MONTHS!!. SOMETHING IS WRONG .... ESSENTIALLY, THE MORTGAGE CO. ASKING ME FOR OVER 1/2 AMOUNT OF MY REMAINING AMOUNT OWED ON ENTIRE MORTGAGE PAID TO THEM IN LESS THAN 12 MONTHS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Request was sent back in XXXX to have incorrect information removed from person 's credit report, however, this has not taken place for two credit bureaus. Please review and remove 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