vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-01-25 00:00:00
Product: Credit reporting 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: NV

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. Code 6802. XXXX : # Account : XXXX, has violated my rights. 15 U.S. Code 6802. states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In previous communication with XXXX I was instructed that " Enclosed is a copy EDs privacy notice which states that, for everyday business purposes- such as to process your transactions, maintain your account ( s ), respond to court orders and legal investigations, or report to credit bureaus, we do share your information and YOU MAY NOT OPT-OUT OF THS SHARING. '' This is clearly a violation of 15 U.S. Code 6802. B, I was not given the option to direct my information not disclosed furthermore I was not given an clear explanation how to exercise my nondisclosure option. I have attached their response and highlighted the violation This negative reporting has caused tremendous hardhship on myself and business. The negative reporting has caused me to be discriminated against due to credit worthiness and had adverse effects quality of Life. I am demanding this account be removed from consumer report immediately. In the event this matter is not resolved I will be forced to escalate this process and file a complaint against XXXX and their Trustee with the FTC.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Late in the afternoon and experian still lying about being able to view on line as usual

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 2024-01-25 00:00:00
Product: Credit reporting 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: LA

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. 

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 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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

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.

has violated my rights. Or a 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.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

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.

has violated my rights. Or a 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.

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 explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is my third attempt to have my documents uploaded to TransUnion showing I'm a victim of Trafficking

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
I lived in a XXXXXXXX XXXX from XXXX XXXX XXXX. I lived in the unit with my sister and two other girls that I didnt previously know. My sister and moved out on XXXX XXXX because our lease ended on the XXXX. The two other girls left a lot of their personal belongings behind, including a vacuum, blankets, and all of their food in the fridge and the cabinets, and did NOT clean the common space we all shared, which was the kitchen and living room. My sister and I cleaned the kitchen floors and wiped the counters and cleaned out the section of the fridge we used. They hadnt been in the unit all summer, so we didnt know if they had officially moved out or not, but we also did not feel like it was our responsibility to clean up after them and discard of their items. We got move out statements in XXXX, and saw that we were being charged for cleaning and painting. The cleaning was due to our roommates items being left behind. The complex also said there was chipped paint, which is normal wear and tear. I sent a text message to the girls trying to figure out what was going on, but no one responded. Under Texas Law, landlords can not charge tenants for normal wear and tear, and chipped paint falls under that category. The pictures they sent do not show any severe damage, nor do they justify the charges. We didnt do anything to cause the paint to chip, thats what normally happens after time. The pictures they sent do not show any severe damage either. None of this is intentional or abnormal damage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
More mail today requesting bank information, I HAVE SUPPLIED ALL INFORMATION TO EXPERIAN AN I FLATLEY REFUSE TO GIVE THEM ANYTHING AGAIN NEVER NEVER NEVER GIVE THIS CROOKED FRAUDULENT COMPANY ANYTHING ELSE AND GOT MAIL SAYING AGAIN THAT 35 % OF MY CREDIT SCORE IS PAYMENT HISTORY, just imagine my score if EXPERIAN put back the almost 20 months of on time never late payments to XXXX  would be

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 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SIERRA PACIFIC MORTGAGE
State: SC

Complaint narrative:
I applied for my refund of my escrow account from Sierra Pacific/ XXXX Mortgage on XX/XX/XXXX after paying off my mortgage. 
No payment was made to me as of XXXX XXXX. Called Sierra PacificXXXX XXXX XXXX speaking to XXXX on this date. Assured that the check was mailed to the wrong address. It would have to be recalled/canceled and a new check issued to the correct address within 5 days. 
XX/XX/XXXX still no refund check. Called above company again an was hung up on by XXXX. Called again and spoke to XXXX who stated she had no notes of previous contact and would now do what should have been done on XX/XX/XXXX and XX/XX/XXXX by XXXX. I insisted that the check be paid plus interest because my funds had been held for more than 4 months. XXXX stated that she could not do that. She did state the same thing XXXX stated on XX/XX/XXXX, that the check would have to XXXX canceled and a new one issued AFTER a review of the case # XXXX. This would take 5 days. 

After all these phone discussions I spent more than XXXX hours trying to get this resolved. 

I still have no confidence that it has been resolved since I have had to repeat all efforts for a resolution 4 times now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I called aidvantage and questioned why my payments only went to interest and nothing was applied to the principle. The women I spoke with stated it was hard to explain and that congress set the process and she would escalate it up the chain to provide me with a break down. The information they sent was just how interest was calculated which I already had from there website. I am still waiting for a clear answer to get a clear answer on why nothing has been applied to principal. My loans started XXXX with payments of XXXX and nothing has been applied to interest minus XXXX. 

Now I was forced to go to Aidvanatge when XXXX went away and the only thing that keeps happening is my original loans that were a quarter of this amount keep getting bigger and bigger with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The information the company has is mine but the account isnt mine someone used my information and made an account without my knowledge! 

I DID NOT MAKE THE ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Card worked fine 3 weeks ago. Then tried again and was declined for transactions under {$1.00}. Went to check balance on their website and receive a message that says system error or card invalid. Called them and they gave me the same information technical difficulties. I asked if I could get a list of transactions and repeated they are having technical difficulties to check back in a few days. Was relying on this card for food for my kids. Card is not working and I'm out money so sad these mega corps can reap these profits and fraud the american consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
I was trying to check credit report / credit score on credit karma only to find out there is a credit card debt showing on my name but different address that I have never been on. 

MIDLAND credit management ( XXXX ) XXXX {$620.00} in collections that I never heard, used and signed up for, address was different but someone somehow got my social security number. 
I have called the MIDLAND credit management debt collector and found details of debt : Account number XXXX XXXX  XXXX XXXX, XXXX. Original account XXXX, Confirmining it was opened XX/XX/year> and sent dispute about fraud. But they sent back a letter stating that we need to file a complaint Consumer Financial Protection Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit over the course of 6 six years has randomly, & continuously altered- points dropped etc.. I have alerted the FTC, & this bureau before.. There are inquiries I did not initiate, nor do I have anything do with I have however received threats in which someone stated my credit was going to be altered.. I am making another report because as you can clearly see by my credit, & the non usage- other than point dropping is correct.. AGAIN if you look over the last 7 years you will see this..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting 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: CA

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.

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 non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently viewed my credit report and found countless errors. I have some personal information that is not correct and several accounts I don't think that they belong to me. There are Charged Off accounts with balances as well. How can that be when it has been charged off and a 1099 was sent to me.. Please see letter attached in this site to dispute the cases I am concerened about

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 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
As you can see from there statement they apply payments the way they want. You do not know why the pained is not going to the loan or they hold it in unapplied XXXX and call it a partial payment. I have not made any partial payments. This is not going to be held and then show that you have a balance or {$790.00} owed from the month before. This is one full payment that hey have split for what ever there reason. I am enclosing 6 months of payments to show that all of these payments were made per what they stated and now we have a new and different amount. Please help and look at why this never gets fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EdFinancial Services
State: GA

Complaint narrative:
The debt has already been paid in full but it is still showing on my credit report as unpaid. Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
I am requesting a reinvestigation. There is a myriad of errors being reported the bureau placed a significant number of inquiries on my credit without my consent and by them doing so validated these unauthorized and incorrect inquiries. I did not give my consent to any of these companies to run my credit and I am a business man and these errors are effecting my ability to properly run my business.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM UNABLE TO OBTAIN A LOAN FROM XXXX HOTELS DUE TO POOR CREDIT RATING. I HAVE NO DEBTS AND AN EXCELLENT CREDIT RATING.

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 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
My information is not correct on this debt

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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.

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 non-monetary relief