vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OPORTUN FINANCIAL CORPORATION
State: SC

Complaint narrative:
Path Forward/ XXXX showed up on my credit report, and I received a letter declining my application. I called the company to inform them, and they asked for additional personal information, which I would not provide. I NEVER applied for any personal loan. This was on XX/XX/XXXX. I didn't apply for any loans. The application ID # from XXXX is XXXX dated XXXX phone number is XXXX. 

I also have a 2nd hard inquiry report from XXXX XXXX XXXX on XX/XX/XXXX. I didn't apply for this loan. Someone is trying to apply for personal loans in my name. 

I have NOT APPLIED for any personal loans since XXXX of XXXX. 

I think someone has hacked into my XXXX XXXX account. I updated my password today, XX/XX/XXXX. I need to get these hard inquiries off my credit report they are lowering my XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On or about XX/XX/22, I received notice that Shellpoint had taken over my mortgage. 
On XX/XX/XXXX, I went to their website and established an account. When I logged in, my site said that my first payment was due on XX/XX/22 I saved that to my computer, as well as made a printed copy. I also took a picture of it on my phone. In XXXX, I again checked, noted that the due date was, indeed, still XX/XX/22 and again, took a picture with my phone. On XX/XX/XXXX, I received a notice that I was two months behind, not having paid XXXX and XXXX! I contacted them and explained that their own website listed my first payment as being due XX/XX/22 and that I was fully prepared to pay it on that date. They said THEY had made a mistake and I was now in arrears two months! I told them that I was XXXX XXXX XXXX and lived on SS and that my kids, who have their own families to care for, normally help me pay this and the money had gone for other essentials. Shellpoint 's answer was essentially, " Tough sh*t, pay up or we'll foreclose! '' I suggested putting these XXXX payments at the end of my mortgage and they would still get their money, since the mistake was totally their fault. HELP! - I see this as senior abuse!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: GA

Complaint narrative:
On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by Transunion, XXXX, and XXXX. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. After submitting identitytheft.gov affidavit more than XXXX times- I still have no response. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including XXXX, Transunion, and XXXX ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number sent Certified Mail Receipt from XXXX XXXX XXXX XXXX XXXX Transunion XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.

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 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
To whom may interest : I have a car loan with First Bank XXXX XXXX. I had lost employment but I was recruited by another company. I started working for that company on XXXX XXXX. The problem was I was not able to pay for the car for the month of XXXX. So I called the bank to inform my situation to see if there was some kind of arrangement I could do with them. 

So they transferred me to Collections and we started talking on XXXX XXXX. 
They inform me they needed the following documents : 1. Explanation letter of why I was needing that arrangement. 
2. An employee certification. Which took a whole week because I didnt have any permanent arrangement with the company.

3. An a form provided from the bank for me to fill it up. 

They kept pushing the process to last longer by asking me an additional form such as a pay stub which I was not able to provide since I had not been paid. Every time I sent the papers through email or physically there was always a lost paper. I spent hours and hours trying to get the same forms to them over and over. They would always give me a date with the decision and when I called for the decision they never had one. Sometimes in the meantime while talking to them I would get phone calls collecting the loan. 

Since all my efforts were unfraitful. I paid the loan and late interest payments on the XXXX XXXX. I got the money from food so I could pay them. The same day they typed a letter saying that the extension was approved. I got the letter way later than that. I called to call off their bad faith and the next day the karma credit points that they took out were reestablished into my credit report. 

Im reporting they delaying the process on purpose and on bad faith and only when they knew I had to paid for the loan conveniently wrote a letter saying that arrangement was approved. 

I would like the car loan fully cancelled and pronounced paid for them. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Check deposited by electronic means for {$15000.00} by a third party. Check was fraudulent and returned but bank has frozen my account pending closure because they said it was not Fraud. USAA will not close the account nor let me use the account. I had nothing to do with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, I opened 2 credit card with Capital One and was making payments as agree. Back in XX/XX/XXXX some one hacked my phone and my identity was stolen with all my personal information. I reported to the 3 Credit Bureaus, FTC, and the CFPB I was going to file a Police Report and the local police department was only taking emergency call because of the pandemic. The people who stole my information opened some accounts and used the one I had. They Also try to use my checking account and debit cards. I had to closed and open a different account. They even try to pretend to be me to my family down in XXXX to steal money. They hacked my XXXX account stole my picture. In the meantime I keep paying my capital one account until I got a email saying that my accounts was restricted. I call capital one and they said the reason was because my payment for {$2900.00} was declined. I told the girl I never made that payment. She said they will send me a link so I can answer some questions. I never got the link. Find out reason I never got the email was because they restricted my accounts they looked all the email and I was unable to make any changes to the account. I was receiving all my correspondence by email. I move from the address I was leaving back in XX/XX/XXXX. Never received a statement never received a email I was unable to make payment or make any changes for my account. So I keep paying my small account until today just go to capitalone.com and pay. As of today my account still say the account is restricted. I lost track of this account and one day my roommates told me a man came knocking on the door asking for me and give her the letter. A summons that I being suit by capital one. I believe that the person delivered the summons broke the law he didnt even ask for Id to make sure he was delivering to the right person. Also I call the law office explain what happen and they told me to fax all the documents I had to back up what I was saying then I needed to file a Police report. 
What Im disputing is all the charges of late fee over the credit limit and court fees. This is not my fault you restricted my account and never sent the link to answer the question. Also remove and delete all negativity from my credit reports. And for the inappropriate delivery the summons to a 3rd party and exposing my personal business to a 3rd party I asking to consider this account paid. 
Account number XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX. 
File number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Each time that I submit a dispute they lower my credit score and retaliate against me as I just received notification that my score dropped by XXXX points. 

There have been multiple complaints listed with the credit reporting agency named Experian.

Some information is over 7 years old, but they have a incorrect date reflected and will not update and remove the negative account.

Some information doesn't belong to me and they have failed to update the information.

The number of credit inquiries were not authorized by me.

They have failed to update the address and remove multiple incorrect information.

The same for employment.

There has not been any positives for the student loan payment history and accounts in good standing.

Medical collection accounts have not been removed for medicaid insurance and even with multiple disputes as they have aged out of the 7 year they will not remove the information.

This is seriously impacting my credit preventing me from purchasing home, mortgage, credit cards. And other financial opportunities to make my life easier, and I believe they have my credit being reported on harder criteria or scales than others and probably always to XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: AMERICAN EXPRESS COMPANY
State: MI

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 purpose. 

XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

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 purpose. 

XXXX XXXX XXXX  XX/XX/2023 Capital One XX/XX/2023 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and am unable to access any of my credit reports. I am receiving multiple calls and letters from organizations on accounts that I have not applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian refuses to remove this incorrect address from my report its probably from identity theft. This XXXX, florida address is not mine & never has been. I want it removed. I called them one year ago & they still never removed it

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I applied for a XXXX  XXXX XXXX business credit card back on XX/XX/2023 and application was received after I sent about 8 documents including sensitive information they requested including my tax returns for both years. After reviewing all the information, XXXX  XXXX XXXX declined my business credit card application and sent me the decline email and letter XX/XX/2023 ( see attached ). 

Fast forward to today XX/XX/2023 and I wake up at XXXX XXXX  to an inquiry on my credit report from XXXX  XXXX XXXX. They pulled my credit again for this same application that was already closed without my consent. I never called or talked to someone and asked for this reconsideration, my report is not allowed to be pulled a 2nd time without my authorization. I need XXXX XXXX XXXX to work with TransUnion to remove the inquiry dated XX/XX/2023 from my credit report as this was not authorized. You can't say that it was a reconsideration because I never asked for this and if I were to ask, I'd expect to be told I would get another inquiry. This inquiry needs removed as it was not authorized.

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 2023-03-13 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: 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. 
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 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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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, 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 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 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
After I had argued for several months with XXXX over the fraud charges on my joint account with my husband, I contacted the XXXX. The XXXX XXXX XXXX finally got some matters resolved with my account. Now I've just been notified by a collection agency ( Midland Credit Management ) that XXXX charged off my account on XXXX while the fraudulent charges on my account were still being investigated. I have documentation from Midland Credit Management giving the date of the charge off and documentation from XXXX dated XXXX where they requested additional info from me to resolve the fraudulent matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below 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 has violated my rights. Or a list of Inquiries : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 or 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 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent off a debit validation letter to Credit Corp Solutions for a debit they claim I owed. I sent Credit Corp Solutions a certified letter tracking # XXXX in which was delivered on XX/XX/XXXX. I recently just received a letter from XXXX XXXX, PA claiming to be represented by Credit Corp SOLUTIONS on XX/XX/XXXX. Its been almost a full year for the information Ive asked from Credit Corp SOLUTIONS. They have violated my FDCPA 15 USC 1692g Sec.809. I will like examined on how was this account verified and what procedures was taking to prove this account is accurate.

Company response to consumer: Closed with explanation