vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX Account XXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX  Account name : XXXX  XXXX Account Number:XXXX Account name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: OH

Complaint narrative:
I have requested the three credit bureaus ( XXXX, TransUnion, and XXXX ) investigate numerous inaccuracies on my Consumer Reports. They have not investigated thoroughly and have not corrected my report. I have disputed online and via letter.

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 2023-05-26 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2023 I applied by phone for a Discover card, I was approved but the credit limit approved unacceptable, compared to my other credit cards. I was on the phone with the rep for discover and told them ( Please I do not wish to take this card ) DO NOT OPEN THIS ACCOUNT Please. I called back at least 20 times and spoke with numerous supervisors including opening a case regarding this credit card. All these notations are on my account. I spent hours and hours trying to fix this. Discover told me do not worry this will not be reported to the credit bureaus. 
Yesterday XX/XX/2023, I received an email from XXXX stating my credit score had dropped from XXXX to XXXX in one day. I logged on and saw the reason for this was Discover reported to the bureau as a closed account. Discover had ruined my credit which is perfect, in ONE DAY! 
I have never had any lates, derogatory credit, all low balances, on all cards, No Public records, all credit scores above XXXX. 
This is totally unfair as I work so hard to make sure my credit is always perfect. Under the FCRA- and the CFPB they need to correct this information as It has hurt my credit substantially. This is Defamation of credit. False information has been reported and is a violation of the FCRA. 
NOTE : I am in the middle of purchasing a home and now because of Discover Card has completely ruined my chances of being able to purchase this. I know you help consumers greatly and would appreciate your help enormously. I need Discover to REMOVE this account from my credit bureas ( Delete this account ) I Never approved this card, received this card, or activated this card. I told them DO NOT open this account. A consumer has the right not to take a credit card. Please Help, thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX Im writing to file a complaint against Navient Student Loan servicer. I graduated in XX/XX/XXXX. I have paid my loans for over 20 years at {$500.00} a month. No easy payment for my family. Oh and when times were tough and I called them, they steered me toward forbearance .Which I think I did for a year. They never once told me that had I been in a different monthly plan, such as income driven, my loans would be paid off in 20 years ( XXXX ) 25 years ( XXXX ). Im on social security now and am retired. These loans have been paid many times over the original amount. Im asking for help to have my loans forgiven/ ended as they would have been had it not been for Navients deviant practices. 

Anything you can do to help me or steer me in a direction where I may get assistance with this matter, would be deeply and greatly appreciated. 

Kind Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Repost

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 2023-05-26 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: MO

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 U.S.C 1681. 

Account name- XXXX XXXX XXXX  DateXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Date:XXXX, Account name : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Account name : XXXX  Dept of Social Services Date : XX/XX/XXXX XXXX Account name : State of XXXX/Office Child Support Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX & XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX Date XX/XX/XXXX, Account name : XXXX XXXX XXXX Date XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX Date XXXX 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 Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction 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 2023-05-26 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:
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 U.S.C 1681. 

Account name- XXXX XXXX XXXX  DateXXXX, Account name : XXXX XXXX XXXX Date:XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Account name : XXXX  Dept of Social Services Date : XX/XX/XXXX XXXX Account name : State of XXXX/Office Child Support Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX & XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX & XXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX Date XXXX 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 Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction 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 non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Holdings LLC
State: MD

Complaint narrative:
My previous complaint was # XXXX. I finally got the forms needed. This complaint addresses an inquiry that was not addressed with my last complaint. The total amount owed to Selene Financial is ~ {$50000.00} higher than it should be. I consulted with a financial agent with XXXX, and he highly recommended that I order a payment history of the entire loan since purchased in XXXX. This hasn't been done, even though requested from Selene Financial, because the loan was sold numerous times. Why ...? The sale price was {$160000.00}, I paid a cash deposit of {$45.00}, had good credit, charged 8.69 % ( why...? ) and pulled out {$50000.00} at closing. The XXXX rep still said the numbers don't make sense, and for me to have this investigated. Current XX/XX/23 mortgage statement shows outstanding balance of {$170000.00} and deferred balance of {$76000.00} plus fees, etc. Can you please help to resolve this matter. This appears to be a predatory loan/discriminatory financial situation. I will send my statement upon your request. I am being harassed by the mortgage company, threatening to foreclose, even though I have been approved for {$60000.00} by the MD. Homeowners Assistance Fund towards paying the rears. I recently send in an application for a modification for ~ {$25000.00} from Selene Financial, waiting for a response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Collections account from Caine & Weiner showed up on my Consumer Report, without ever reaching out about alleged debt out. I never received phone call or mail about alleged debt owed. 
I then attempted to contact the company by email and letter, requesting validation of debt owed and never received any correspondence back. I requested validation of debt. To this day, I have never received any communication from Caine and Weiner regarding this debt or any validation that I owe the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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:
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 XXXX : XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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:
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 XXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Received far more than 7 phone calls within a 7 day period. Woke up this morning to 4 calls back to back ( by the second! ) that rang for about 1 second and then ended. This was at XXXX they knew they couldnt legally call just 5 mins earlier and didnt waste any time once it hit XXXX. The repeated calls happened again while I was at work this afternoon. I can prove that they have contacted more than 7 times in 7 days with my phone log. It was over 8 times today alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I Checked My Credit Report And This Credit Loan Is On It, Which I Have No Knowledge Of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more than 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, I have reached out multiple times to Experian, who I pay for services to report information from my accounts to help increase my credit score. Currently, they report information positively to my credit report. The issue is that I have reported to them that there is inaccurate information on my report in regards to a creditor reporting inaccurate and negative information on my report while the boost program they have pulled from the same time frame from the same creditor shows the same time frame showing positive information. I pay for a service and have been told there is nothing they can do for me and that I need to contact the creditor directly. That defeats the purpose of paying for a service. this is an additional complaint that correlates with my complaint on XXXXXXXX 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