vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 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: FL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. 

account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My collection was paid in full and there was an agreement that once paid the collection would be completely deleted from my credit report. The collection was only updated to paid and not deleted from my credit report as agreed.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My collection was paid in full and there was an agreement that once paid the collection would be completely deleted from my credit report. The collection was only updated to paid and not deleted from my credit report as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any given purpose.

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 2023-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
XXXX XXXX sold my loan without any type of notification, to Planet Home Lending. XXXX XXXX continued to process my payment through auto-pay after the loan was transferred and in so doing brought my account with Planet Home lending into delinquency which I had to straighten out with my bank by stoping payment on the transaction and having a bank check sent to Planet Home lending making my payment late. XXXX XXXX also did not transfer existing Escrow funds when they turned over the loan and now my account with Planet Home lending is showing in the rears on my Escrow account. and are charging me a monthly service fee above and beyond the interest they are already making on my VA Guaranteed loan. 
This is the second time my loan has been sold in XXXX years and am very displeased with it since my payment history has been exceptional.

Planet Home is very much borderline on predatory lending laws in how they service their accounts and how they treat people when trying to resolve issues on those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
Recieved letter in mail on debt. I pay my bills! XXXX crefit score over XXXX  years. Talked to lady said that was paid two years ago and not my debt. Insurance handled. She got mad hung up. Two days later showex as collection on my credit report. Malicious and illeagal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I arrived on US soil as a foreign national under humanitarian circumstances. Specifically, having been rescued from the ocean by the coastguard off the coast of California. I was dumped on the streets and have managed to receive some charitable assistance however, I realised that I needed a means to make a necessary purchase online.

I purchased a prepaid debit card from a XXXX store and paid {$65.00} plus the setup fee at the checkout. This was the majority of the meagre cash I had to survive. 

Only after opening the package did I discover that a US Social Security number would be required to use the card! being a foreign national, I have no such number, so the funds are now trapped in the card and the card is unusable. 

I asked the staff at XXXX to refund the {$65.00} I paid to them, but they refused citing ( reasonably ) that they can't tell if the card has already been used, so can't make the refund. 

I can't afford to lose {$65.00}, so I contacted the company by email and although they acknowledged the email, I have received no response to the complaint and request for refund.

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 2023-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
Recieved letter in mail on debt. I pay my bills! XXXX crefit score over 50 years. Talked to lady said that was paid two years ago and not my debt. Insurance handled. She got mad hung up. Two days later showex as collection on my credit report. Malicious and illeagal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WAFD BANK
State: AZ

Complaint narrative:
On Monday, XX/XX/XXXX around XXXX XXXX  I went into wafd bank off XXXX and XXXX XXXX to withdraw some cash from my checking account. The unwelcoming energy and attitude from the two employees working the bank that afternoon was completely unprofessional. The lady laughed when I requested {$10000.00} from my ( {$12000.00} ) account. I decided on a lesser amount but she told me the most she could give me was {$1000.00}. That was ALL the cash they had and that they were completely wiped out because of the busy holiday weekend. Oddly she had XXXX crisp XXXX dollar bills for the remaining cash in store to give me. She told me she couldnt get me cash until Tuesday XX/XX/XXXX, EIGHT days laterand that they would call me to set up a time for me to come pick it up. How do I know someone wouldnt know that info and follow me? I did get the {$1000.00} cash and a {$3000.00} cashiers check that day. I later received a unrequested XXXX XXXX delivery to my house with the remaining funds in my account on a cashiers check, along with a force closure notice, which was due to inappropriate use. I also received another letter in the mail stating they reported my account misuse to XXXX  due to transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX i processed a payment using my debit card ending XXXX, XXXX XXXX the following day on XX/XX/14 i received a noticed that they were have problems with with the for of payment on file, so I called and advised the card number on file was not my account number I sent to them bank statement showing them the only two bank accounts numbers have use which are XXXX  # XXXX also XXXX  # ending in XXXX, I inquire what number did they have on file, they gave me a number ending in XXXX was not a valid account with XXXX  I was then asked to up grade the wrong information with my back account and routing Number, I have never made any payment to Avant using bank account and routing number however I did not want to update any information on there site because of the number XXXX if i had complied i would being confirm the wrong information was still on file, I followed up with my two bank statement one of XXXX  and XXXX XXXX XXXX XXXX XXXX i have not made payments since this occured and i am incurring late fees that they will not remove even after i sent the proof that the account ending in XXXX was never my account thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion published a negative report on my credit report provided by a collections company called XXXX XXXX XXXX XXXX This collections company provided a report that is untrue and unverified by them. There are no court rulings or any other proof of this debt, which they claim is in the amount of {$340.00}. I do not understand why TransUnion would publish this without proof.

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 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit inquiries for XXXX XXXX XXXXXXXX dated XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XXXX XXXX XXXX are the result of identity theft, and They are not belonging to me.

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 2023-12-07 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: CA

Complaint narrative:
XXXX XXXX in the amount of {$680.00} XXXX XXXX XXXX, are the result of identity theft, and They are not belonging to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: PA

Complaint narrative:
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TransUnion, and XXXX have violated consumer law code 15 USC 1681 A., I did not authorize nor give consent for late payments to be reported therefore this information violates consumer law. Furthermore, I was not notified of the reported late payments, nor did I receive any form of notification of the reported late payments, this negligence violates consumer law code XXXX XXXX XXXX XXXX 
I demand that XXXX, TransUnion, and XXXX provide proof of my written consent to report late payments. If such documentation can not be furnished, I demand that the late payments reported be removed 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
Consumer complaint received 2023-12-07 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: PA

Complaint narrative:
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax have violated consumer law code 15 USC 1681 A., I did not authorize nor give consent for late payments to be reported therefore this information violates consumer law. Furthermore, I was not notified of the reported late payments, nor did I receive any form of notification of the reported late payments, this negligence violates consumer law code 15 USC 1666 B. 
I demand that XXXX, XXXX, and Equifax provide proof of my written consent to report late payments. If such documentation can not be furnished, I demand that the late payments reported be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See attached items I'd like all of these item 's taken off of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: GA

Complaint narrative:
I filed a complaint against all 3 of the reporting agencies last month XXXX XXXX  in reference to improper credit reporting and unlawful reporting as well as multiple violations committed by sub reporting agency XXXX XXXX. 
My information was disputed and confirmed inaccurate by XXXX, however, the other major agencies, ( XXXX, XXXX XXXX transunion ) have reported information on me without pemissible purpose 15 USC 1681 B ( a ) ( 2 ) and Right to privacy 15 USC 1681 ( a ) ( 4 ), and finally 15 USC ( a ) ( d ) ( 2 ), Exclusions pertaining to consumer report law, in reference to reporting late payments within transactions. 
These agencies have violated my rights and violated the law! 
As the overseer of these reporting agencies, I am requesting that these violations be removed from my bureaus effective immediately, and my scores returned to their proper levels, ALL OVER 800+ Thank You XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: GA

Complaint narrative:
I filed a complaint against all 3 of the reporting agencies last month XX/XX/, in reference to improper credit reporting and unlawful reporting as well as multiple violations committed by sub reporting agency XXXX XXXX. 
My information was disputed and confirmed inaccurate by XXXX, however, the other major agencies, ( XXXX, equifax XXXX XXXX ) have reported information on me without pemissible purpose XXXX5 USC 1681 B ( a ) ( 2 ) and Right to privacy 15 USC 1681 ( a ) ( 4 ), and finally 15 USC ( a ) ( d ) ( 2 ), Exclusions pertaining to consumer report law, in reference to reporting late payments within transactions. 
These agencies have violated my rights and violated the law! 
As the overseer of these reporting agencies, I am requesting that these violations be removed from my bureaus effective immediately, and my scores returned to their proper levels, ALL OVER 800+ Thank You XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: IL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2023-12-07 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: CA

Complaint narrative:
XXXX XXXX XXXX with the balance of {$3200.00} XXXX XXXX XXXX XXXX with the balance of {$5300.00} and XXXX XXXX leasing with the amount of {$0.00} reported XXXX XXXX, are the result of identity theft, and They are not belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: AZ

Complaint narrative:
Account made on XX/XX/2023 First deposit XX/XX/2023 When trying to get a login made to access my fund. They said they couldn't do that because of an internal issue that occurs when a customer also has account with laurel road. When I asked for them to transfer the money to different account. They said they can't do that over the phone. Since I am traveling, I can not go physically to the bank. I can't initiate a transfer from my other bank because they want me to login to key bank to verify the account. Now I don't know how I can access my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We requested for them to complete the modification, which theyve been dragging out and in lieu of they set a sale on my house. This loan was with XXXX XXXX then transferred to XXXX XXXX, then transferred to Shellpoint. And the date of the transfer to Shellpoint was XX/XX/2023, not even within a month of transfer to Shellpoint, they put a sale on my house, ALL THE WHILE I HAVE A MODIFICATION PENDING!! 
This is Dual Tracking and therefore highly illegel in the state of California and Federal. I have been trying to get a modification now for over 2 years and they keep switching servicer on me.

What should I do? Please, please help me immiedidately. This is urgen. I have a wife and XXXX children and an elderly mother in law who live at this home. We will be homeless if they don't do the right thing. 

PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I've been trying to get hard inquires off my credit report throughout this whole year and the credit bureaus haven't been any help on the phone, mail, and online. From my knowledge my credit report have been frozen/locked since the beginning of the year, and company 's are still accessing my credit. The hard inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK XXXX

Company response to consumer: Closed with non-monetary relief