vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
Opened a used car loan. Moved to XXXX az in XXXX. Made every payment ontime until XX/XX/XXXX. Car broke. And I could not fix. Am a single mother with XXXX children at the time. Had to voluntarily return car. I knew this would affect my credit report. However. For 6 years it showed XXXX balance paid in full and account was showing closed showing as a charge off. I was very confused by this. Then in XX/XX/XXXX the company began reporting derogatory showing a sudden balance account open account in repossession and a negative payment history. Disputed several times with credit agencies Never was i communicated with by this company. Never was an effort made to settle debt. Never was any information given about the car being sold and the remainder i would owe. Just suddenly derogatry reporting. And every month it would changes different aspects of the item. All this drastically affected my score. Where as had they reported honestly and appropriately from the begining my score would have been affected in a less devastating manner. Then the continuous negative and inaccurate changes every month continued to harm my score. How can a report go from closed to open to chargeoff to in repossession and around again changing. Affecting my score. Now says settled. All this not ever once contacting me. How was this settled and why was this changed over and over again? 
Is this fraudulent can a company be allowed to 1 not communicate an attempt to collect a debt 2 continuous changing of balance and status and history?

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 2022-03-03 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: PA

Complaint narrative:
Car was deemed as a total loss and paid off by insurance and gap insurance

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 2022-03-03 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:
Car was deemed as a total loss and paid off by insurance and gap insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-03 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: MD

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX Date of inquiry XX/XX/2021

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 2022-03-03 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:
These ( 2 ) inquiries were Fraudently obtained using my social security number Permanently erase the following Fraudulent inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXXXXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXXXXXXDate of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021

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 2022-03-03 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: FL

Complaint narrative:
I have submitted Numerous disputes regarding my credit report. None have been investigated. Please Advise.

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 2022-03-03 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: FL

Complaint narrative:
I have submitted Numerous disputes regarding my credit report. None have been investigated. Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: FL

Complaint narrative:
I have no knowledge of these inquiries. I didnt fill out these applications and never signed off on any of these. I am a victim of Identity fraud. I spoke to a rep from Experian, XXXX, and XXXX on the phone today and they were not able to help me through this, so I told them I would reach out to you all. 

Experian account : inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX account inquires : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account inquires : 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 explanation
Consumer complaint received 2022-03-03 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: FL

Complaint narrative:
I have submitted Numerous disputes regarding my credit report. None have been investigated. Please Advise.

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 2022-03-03 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: MO

Complaint narrative:
I'm a federally protected consumer and my rights as a consumer have been violated by XXXX, Equifax, and XXXX. The biggest violations being my right to privacy as a consumer and furnishing information to my consumer report without my written consent, also being actively involved in the buying and selling of my personal identifying information for profit better known as aggravated identity thief, aiding and abetting debt collection agencies in furtherance of a crime. I started my dispute process back in XXXX it is now XXXX and the same inaccurate, erroneous information is still being reported even after I've pointed out the various inaccuracies throughout my consumer report It keeps coming back as " verified ''. I'm aware that it is not in XXXX, Equifax, or XXXX best interest to remove accounts from consumer reports because they all profit from the information furnished on a consumers report whether that information is right or wrong. But they are supposed to honor Metro 2 Compliance as well as maintain 100 % accuracy on ALL CONSUMER REPORTS. If XXXX, Equifax, or XXXX actually abide by Metro 2 Compliance then each and every consumer report would show the exact same information across all 3 reports which it does not. So they're not even complying with their own policies and procedures so I know for a fact that they do not care about a consumers rights under the FCRA, FDCPA, or TILA. Congress defines XXXX, Equifax, and XXXX as " elaborate mechanisms '' who assumed their positions. I'm tired of the 30, 45, or 60 day waiting periods for a consumers disputes to be responded to, especially when there isn't an actual " investigation '' being conducted through " e-OSCAR ''. It literally takes " e-OSCAR '' seconds to process a dispute letter which is why it was put in place but it was created with bias towards consumer reporting agencies due to it's ability to search for keywords in dispute letters and " auto generate '' a response based solely off verbiage not an investigation of the facts presented. A reasonable investigation is not " automated ''. Again these " elaborate mechanisms '' are continuously deceiving consumers day in and day out without repercussion, this has to stop sooner than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MO

Complaint narrative:
I'm a federally protected consumer and my rights as a consumer have been violated by XXXX, XXXX, and Experian. The biggest violations being my right to privacy as a consumer and furnishing information to my consumer report without my written consent, also being actively involved in the buying and selling of my personal identifying information for profit better known as aggravated identity thief, aiding and abetting debt collection agencies in furtherance of a crime. I started my dispute process back in XXXX it is now XXXX and the same inaccurate, erroneous information is still being reported even after I've pointed out the various inaccuracies throughout my consumer report It keeps coming back as " verified ''. I'm aware that it is not in XXXX, XXXX, or Experian best interest to remove accounts from consumer reports because they all profit from the information furnished on a consumers report whether that information is right or wrong. But they are supposed to honor Metro 2 Compliance as well as maintain 100 % accuracy on ALL CONSUMER REPORTS. If XXXX, XXXX, or Experian actually abide by Metro 2 Compliance then each and every consumer report would show the exact same information across all 3 reports which it does not. So they're not even complying with their own policies and procedures so I know for a fact that they do not care about a consumers rights under the FCRA, FDCPA, or TILA. Congress defines XXXX, XXXX, and Experian as " elaborate mechanisms '' who assumed their positions. I'm tired of the 30, 45, or 60 day waiting periods for a consumers disputes to be responded to, especially when there isn't an actual " investigation '' being conducted through " e-OSCAR ''. It literally takes " e-OSCAR '' seconds to process a dispute letter which is why it was put in place but it was created with bias towards consumer reporting agencies due to it's ability to search for keywords in dispute letters and " auto generate '' a response based solely off verbiage not an investigation of the facts presented. A reasonable investigation is not " automated ''. Again these " elaborate mechanisms '' are continuously deceiving consumers day in and day out without repercussion, this has to stop sooner than later.

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 2022-03-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXXDate of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
XX/XX/21 XXXX XXXX XXXX, XXXX appraised my house at {$800000.00}, At that time they should have automatically removed PMI since they were aware that my XXXX was less that 80 % and my equity was well over 20 %. I just came out of forebarance and they used 3 months as a waiting time for a now loan with a reduced rate from 4.375 % to a modified rate of XXXX XXXX to 3 % the going rate, and removal of PMI. Please check their figures saying I need to send them {$100000.00} to end PMI. There is a lot more to this. Please call XXXX XXXX XXXX XXXX for more information to start this case. 
address is XXXX XXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: NM

Complaint narrative:
I sent a debt validation request via USCB website on XX/XX/XXXX requesting information to validate debt for accounts listed by USBC representative as : Act # XXXX {$15.00}, Act # XXXX {$890.00}, Act # XXXX {$510.00},, Act # XXXX {$10.00}, Act # XXXX {$34.00}, Act # XXXX {$25.00} and Act # XXXX {$40.00}. In return, they sent a letter back on XX/XX/XXXX that did not contain the information to prove the debt was mine. The letter contained only account # s, amount due and creditor name. A certified debt validation letter was sent on XX/XX/XXXX requesting validation of debt information. I received only 3 letters for three out of eight accounts which are listed as follows : Act # XXXX {$890.00}, Act # XXXX {$25.00} and Act # XXXX {$34.00}. In these letters, it contained my private medical records/information that is a direct violation of HIPPA privacy regulations. I never signed a HIPPA form authorizing them to have access to this information. In addition, the remaining accounts were not validated after two attempts to ensure this was indeed my debt. 
Post previous complaint, I received a letter from USBC on XX/XX/XXXX noting that the Acc # XXXX XXXX had been requested for removal from my 3 credit bureaus in which it has been removed. However once again, they sent me HIPPA violating information ( attached letters ) for the accounts listed as follows : Act # XXXX {$510.00}, Act # XXXX {$10.00}, Act # XXXX {$40.00}. In addition, the accounts listed as Act # XXXX {$34.00}, Act # XXXX {$25.00}, Act # XXXX {$15.00} have yet to be verified. As such, I would need them to delete all information of these balances from their collection agency, remove any further action of reporting to the 3 credit bureaus, and cease all contact for the above noted accounts. 
*All documentation supporting previous complaint can be accessed from complaint IDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
On Monday, XX/XX/2022 at around XXXX, XXXX XXXX XXXX XXXX XXXX ) from Rocket Mortgage called and at one point, he asked for my DOB which I thought was part of the process of completing the file for our mortgage account which was recently got transferred to Rocket Mortgage. NOT knowing that he pulled a hard credit report on my husband and I. He misled me by asking a series of questions and at that point, when he asked my DOB, I thought was all part of his job of completing our information. Unfortunately, he ran a credit report on my husband and I which I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to XXXX but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020

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 2022-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I dont know who to get in touch with exactly but here is my question or need for your input. 
Around the second week of XX/XX/XXXX I called XXXX XXXXNavient to find out how much my loan would cost to pay off the entire loan. 
I was told {$34000.00}. I told XXXX with Navient that it would probably be around the second week of XX/XX/XXXX before they would receive the money. 
I was transferred to the Department of Education then and spoke to XXXX XXXX. 
I asked how could I get out of a payment, make a forbearance and she said yes and said the next due date would be XXXX XXXX. I told her the loan would be paid off by then. 
I received the money I needed to pay off the loan and sent a cashiers check to Navient on XX/XX/XXXX. It was received by them XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from Navient saying they got an overpayment and needed direction on how to process it. The date on the letter is XX/XX/XXXX. 
I called Navient and spoke with a lady named XXXX. She told me that she didnt see where this letter was sent to me and after looking at my file she told me I owed them {$220.00}. 
I asked how that was since I just payed off my loan and she told me that is what I owe. I asked to speak to her supervisor and after a XXXX minute wait I finally spoke to XXXX. 
She told me that the reason I owed the {$220.00} was because I had 10 days to pay off the loan when I called and talked to both XXXX and XXXX XXXX. 
I explained to XXXX that neither lady told me I had 10 days to pay it off. 
XXXX told me that under the circumstances I still owed that money and it is compounded daily till I pay it off. 
My question is why do I have to pay Navient the {$220.00} when I was not told I had 10 days to pay it off and had gotten a forbearance?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 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: FIRSTBANK PUERTO RICO
State: NJ

Complaint narrative:
I have contacted the XXXX Bank XXXX XXXX XXXX XXXX XXXX because they continue to state that i had 2 late payments in 2021 i made a double payment on those 2 Occasions I even sent them a year of my bank statement showing them they are wrong. This is affecting my credit score and the ability to refinance my loan at a much lower interest. I even had a Credit repair company to assist me XXXX XXXX. I have always paid on time even threw a pandemic this is very unfair. Please i need your assistance

Company response to consumer: Closed with explanation