vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: MA

Complaint narrative:
My current bank account was hacked for {$500.00} XXXX  on XXXX XXXX. I filed a dispute with my bank letting them know it was not me and the charge was not authorized. They proceeded to close my dispute and told me I could not be credited

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I received an alert yesterday that a new collection has been posted on my account. I looked into it and it is for {$150.00} and it is from XXXX XXXX. I reached out to the collection company IC systems, and they basically told me that I have to get in touch with XXXX  and XXXX will correct the collection. I havent had any luck getting a hold of XXXX and getting to the right representative. All of my credit bureaus are frozen so Im hoping this fraud happened before my accounts were frozen. I have already filed the dispute on my XXXX XXXX account since that is the only credit bureau that the collection is on right now.

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 2023-02-16 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: WA

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 USC1618 Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXAccount name # 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crime which antedates the report by more then seven year.

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 2023-02-16 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: TX

Complaint narrative:
I leased a car from XXXX XXXX in XXXX and returned the lease on time in XXXX and got new lease however, my credit report shows paid in settlement but there was no settlement I did get bill for car property taxes and that was paid once I received bill from. It shows on all 3 credit reports I paid in settlement but shows Ive never Deb late or anything and its hurting my credit my reporting and my score went down drastically on XXXX, XXXX and Transunuom

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 2023-02-16 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: TX

Complaint narrative:
I leased a car from XXXX XXXX in XXXX and returned the lease on time in XXXX and got new lease however, my credit report shows paid in settlement but there was no settlement I did get bill for car property taxes and that was paid once I received bill from. It shows on all 3 credit reports I paid in settlement but shows Ive never Deb late or anything and its hurting my credit my reporting and my score went down drastically on XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: TX

Complaint narrative:
I leased a car from XXXX XXXX in XXXX and returned the lease on time in XXXX and got new lease however, my credit report shows paid in settlement but there was no settlement I did get bill for car property taxes and that was paid once I received bill from. It shows on all 3 credit reports I paid in settlement but shows Ive never Deb late or anything and its hurting my credit my reporting and my score went down drastically on XXXX, XXXX and 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 2023-02-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: WI

Complaint narrative:
fed loan service XXXX is the initial number i spoke with a man named XXXX XXXX who i gave personal info to he tried to take XXXX dollars off my debit card and according to nelnet they were trying to scam me. i had to reordera new debit card and cancel my old one. i had to change my password forfafsa website and according to XXXX i do not owe the XXXX dollars as i am XXXX and am working on an application with XXXX. XXXX XXXX direct number is XXXX. I called him back and asked him for an itemized statement of what i owe and instead of sending me one, he directed me to a different website. XXXX also mentioned another woman who he never named is handling " my account '' with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Pursuant to 15USC 16802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with se It is the bureau 's responsibility to report accurate information ONLY, this account is listed twice with different account information, if it is for the same account how is that possible. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates. REMOVE IMMEDIATELYXXXX XXXX of this title.

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 2023-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
Dear CFPB, I am writing to bring to your attention an issue I have experienced with Transform Credit. I recently accepted an offer from XXXX Transform Credit for a credit amount of {$7000.00}, with the condition that I provide a co-signer. 

However, I have since discovered that Transform Credit did not provide any consideration for my intellectual property, despite my contribution being a significant factor in their decision to extend the credit to me. Furthermore, they have kept my securities and have not provided any form of compensation for them. 

This conduct by Transform Credit is in direct violation of the XXXX XXXX XXXX and interstate commerce regulations. As a result, I am seeking your assistance in addressing this matter and seeking redress. 

I believe that Transform Credit 's actions are unfair and unreasonable, and I am concerned that their behavior may be indicative of a larger pattern of misconduct. I hope that your agency will investigate this matter and take appropriate action to ensure that all consumers are treated fairly by financial institutions. 

Thank you for your attention to this matter. I look forward to hearing from you soon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-02-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC
State: GA

Complaint narrative:
Selene Finance is not a mortgage service company. They hold themselves out as XXXX but in reality, they answer the phone and upfront tell you they are a debt collection agency attempting to collect on a debt. They read you a disclosure on a tape-recorded message before they will speak to you as any debt collector or debt collection agency does. 

Under the CARES ACT set up by Congress a Federal law was enacted CFPB set forth that companies like Selene and others could not collect LUMP SUM PAYMENTS for Forbearance payments when the forbearance period ended, in my case, it was 18 months long. 

Selene, claims I am 40 months behind in my payments and is trying to force me to pay {$100.00}, XXXX, XXXX to bring my account current when in reality they have added {$52000.00} worth of payments to my account, which they know is wrong. I spoke to XXXX XXXX this XXXX XX/XX/23 about XXXX XXXX  and he refused to discuss the matter with me. I have emailed Selene also, so they are fully aware of the situation, that I have made them aware of. Yet they are moving ahead with my foreclosure sale. 

I asked for a copy of my modification that XXXX granted and then Selene turned it down, and it has yet to come to me. XXXX XXXX again said that the papers were sent via email to me yesterday to the email address I gave them XXXX. They still have not arrived after 24+ hrs. I have been informed by CFPB that the modification that XXXX gave me, that Selene must honor, just like Selene must honor the Cares Act, does not allow them to dump {$52.00}, XXXX in the loan amount along with insurance and fees on top of me and then move to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: NY

Complaint narrative:
These inquiries that are on my credit report are fraudulent and I dont recognize them XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
PHH MORTGAGE, It appears the Payment amount is incorrect and needs to be adjusted properly before payment can be made. ( 1 ) Payment should be {$1100.00}. P & I = {$930.00} ( 2 ) Escrow Deposit {$260.00} ( - ) {$38.00} ( Insurance Escrow is not part of the Mortgage Note PHH purchased from XXXX XXXX This has been proven! Plus Escrow shortage of {$25.00} This Payment amount should be {$1200.00} ( - ) {$38.00} = {$1100.00} or Original Mortgage Note amount {$1100.00} + Escrow shortage of {$25.00} = {$1100.00}. Please correct the payment amount and payment will be made. This is not a late payment it is a lender error. Any questions please Call XXXX XXXX @ XXXX. Please speak English when phone call is made. Thank You 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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: NY

Complaint narrative:
I have hard inquiries on my credit report The names of these hard inquiries are XXXX XXXX & XXXX the dates of the these fraudulent inquiries as of today. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On my XXXX i currently getting it disputed Im trying to get a police report, I was told to file a police report. Also on my XXXX I have only three hard inquiries they are XXXX XXXX ( bank ),, XXXX XXXX XXXX XXXX and 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 2023-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I've disputed this account a couple of times through XXXX and the last time they added 42 negative remarks to my account but only to two of the bureaus, XXXX and XXXX. XXXX shows no payment history for this account. As my right to have an accurate report at all times, this information needs to be updated immediately. You are in violation of The Privacy Act of 1974 and 15 USC 6802-6805. Reporting transaction history is illegal. I have suffered emotional damage and humiliation by being rejected for credit extensions based on the lies and slander this company has reported. Charge offs are considered income in which I have still not received a check from this company for. 16 CFR 433.2 states that if I have a copy of my contract then I am the holder in due course. 16 CFR 433.3 states this applies for contracts after 1929. 15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 usc 1666b states a creditor may not treat my payment on a credit card account under an open-end credit consumer credit plan as late for purpose. I have tried to get this debt validated with the company and they have failed to provide substantiating evidence. On XX/XX/XXXX I sent a debt validation letter. Their agent received on XX/XX/XXXX even though he signed XX/XX/XXXX. Since then I have not heard anything. They can not produce any proof or contract with my signature. I will be pursuing legal actions in Federal Court if this company fails to meet my demands.

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 2023-02-16 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: NY

Complaint narrative:
I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Duvera Billing Services, LLC
State: AL

Complaint narrative:
My XXXX  account number : XXXX On XX/XX/XXXX I finance two puppies with, XXXX  for {$2500.00} with a ninty day same as cash and made a payment of {$440.00} on XX/XX/XXXX and XX/XX/XXXX I paid 1, XXXX and the final pay was paid on XX/XX/XXXX of {$460.00} which I've paid this account out in full. 

In XXXX  0f XXXX, XXXXDuvera Financial reported to the credit bureau that my account was delinquent which is very untrue. 

I called XXXX on XX/XX/XXXX and the XXXX and XXXX also XX/XX/XXXX with no avail of them trying to resolve this matter nor did, XXXX or XXXX tried to help me in resolving this issues at hand which has caused my credit score to drop and hardship to my living and for me to get a loan form anyone else due to their misleading fraudulent report of me missing a payment. 

These people at, XXXX XXXX Duvera Financial are misleading and scammers they're fraudulently mishandling my paid in full never late account with their company! 

XXXX XXXX needs to correct my credit report with all three reporting agecny!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: TX

Complaint narrative:
I have sent multiple requests to remove fraudulent accounts proven by my statement and an official FTC Identity Report ( XXXX ). Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

I have sent 2 complaints ( Latest CFPB Complaint XXXX ) and mailed all required documents to block this account from reporting but you XXXX has ignored my request and ONLY updated this account incorrectly. 

XXXX has aided this Fraud by not verifying these accounts. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The Following Account is a result of Identity theft and are is not mine, I demand that they are BLOCKED AND DELETED immediately :. 1. ACCOUNT XXXX  XXXX XXXX **** You are violating my rights and have not followed the FCRA laws which state the following ; Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency of You received this request more than 4 business days ago and have failed to remove all of the accounts stated in the official FTC Identity Theft Report. I have sent the following request more than 4 business days and have verified with CFPB that you received these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have hard inquiries on my credit report The names of these hard inquiries are Capital one & XXXX the dates of the these fraudulent inquiries as of today. 

capital one auto finance XXXX Sales financing company XXXX On my XXXX i currently getting it disputed Im trying to get a police report, I was told to file a police report. Also on my XXXX I have only three hard inquiries they are capital one ( bank ),, capital one auto finance and XXXX.

Company response to consumer: Closed with explanation