vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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: FL

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 2024-02-17 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: CORELOGIC INC
State: MI

Complaint narrative:
Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).

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 2024-02-17 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: MI

Complaint narrative:
Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
My ex-wife and were patients of the same dental practice XXXX XXXX XXXX XXXX XXXX ), they have tied my information to her medical debt of {$2600.00}. I called and spoke with the dental practice who stated since it's been turned over to a collections agency ( WAKEFIELD & ASSOCIATES ) there was nothing they could do. They refused to speak further about it because the debt is not mine and we are no longer married. I submitted a dispute with the collections agency who denied it stating it meets the FCRA requirements. 

My ex-wife and I were divorced in XXXX of XXXX. The services that were provided to her were in XXXX of XXXX. I was no longer a patient of this practice as of XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: Global Lending Services LLC
State: IL

Complaint narrative:
This company has reported false information for months. I tried to dispute the actions with XXXX a couple months ago and they said the information was correct. Which on the report it says I owe over XXXX dollars and they repossessed the car & on the companies site it said I owed a little over XXXX dollars, now it says I owe {$5600.00}. I disputed them on XXXX and XXXX and the account was deleted. I explained that to XXXX and they continue to report false information & wont allow me to dispute it again. Under code 1681 B permissible purposes of consumer reports. I havent given written consent for XXXX XXXX or XXXX to report anything negative on my credit report. Please delete XXXX XXXX & global lending off of my credit report. I do not have any current contracts with either company for the amounts that are supposedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: IL

Complaint narrative:
This company has reported false information for months. I tried to dispute the actions with Experian a couple months ago and they said the information was correct. Which on the report it says I owe over XXXX dollars and they repossessed the car & on the companies site it said I owed a little over XXXX dollars, now it says I owe {$5600.00}. I disputed them on XXXX and XXXX and the account was deleted. I explained that to Experian and they continue to report false information & wont allow me to dispute it again. Under code 1681 B permissible purposes of consumer reports. I havent given written consent for XXXX XXXX or Experian to report anything negative on my credit report. Please delete XXXX XXXX & XXXX XXXX off of my credit report. I do not have any current contracts with either company for the amounts that are supposedly owed.

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 2024-02-17 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: FactorTrust, Inc.
State: MI

Complaint narrative:
Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. CAN THEY PLEASE BE REMOVED FROM 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 explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I have retained new copies of my credit reports, and noticed that Flagship credit acceptance did not furnish the credit bureaus with the required disclosure, within the period required by law. Flagship credit acceptance are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2023 at XXXX XXXX. I have retained a copy of the signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

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 2024-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I reviewed my county 's real estate tax website to determine whether my taxes had been paid. They are due XX/XX/XXXX. They had not been paid, so I checked my mortgage online portal and I paid the taxes in the amount of {$3800.00} to avoid a late fee of close to {$500.00}. The portal showed taxes had been paid to a tax parcel that was not mine in the amount of {$65.00} on XX/XX/XXXX. I contacted NewRez the next business day via phone, which was XX/XX/XXXX. I requested I was advised on this phone call to submit an inquiry with via the mortgage portal and attach the tax bill I received along with my paid receipt. I did not hear back, so I contacted NewRez via phone again on XX/XX/XXXX. I spoke with someone in the tax department that advised me to send the tax bill and paid receipt to an email address. I was also advised they would correct the parcel number associated with my mortgage and I would be sent the money I paid out of pocket for taxes from my escrow account once the issue was reviewed, but it would take until the end of the month. I received an email from NewRez on XX/XX/XXXX. It was a poorly written email and difficult to understand, but I am going to relay what I understood from the communication. Per the email, the {$65.00} paid from my escrow account to a real estate parcel that is not owned by me or my spouse, would be non-refundable. They were able to update my parcel and it looks to be correct in my mortgage portal. The last part of the email covered my request to be reimbursed from escrow, the tax amount that I paid and that should have been paid by them. It stated they would not update any information concerning the tax bill since I chose to pay the bill out of pocket. I did not choose to pay it out of pocket -- NewRez messed up and I was forced to pay it to avoid a late fee. They advised a new escrow analysis would be performed XX/XX/XXXX. I didn't like the wording of the communication, but I assumed they would complete the analysis, find there was an overage ( due to them not paying the taxes ), and return the amount to me. By the beginning of XXXX, I had determined they would not be performing an escrow analysis based on my escrow balance being close to {$6000.00} in the mortgage portal and I made another call to them on XX/XX/XXXX. After being transferred from customer service, then the tax department, and then back to customer service. I spoke with a wonderful associate who filed for my money to be returned. She requested I send the tax bill and paid receipt in again ( for the third time ), which I did. As of today, I have yet to receive a communication from NewRez pertaining to my request to have my money returned and I have no idea if I'll ever see the {$65.00} they paid to the county again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
Apple, XXXX  XXXX, XXXX, and XXXX XXXX XXXXXXXX all denied credit without checking credit and set standards for XXXX XXXX  victims such as myself that are more stringent for reasons against the fair credit act that also are against my U.S. constitutional right and continue to cater and participate in XXXX XXXX  over following laws in credit card and credit extending services to United States citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
I received a credit hit XX/XX/XXXX from Hunter Warfield INC. I received a call from them XX/XX/XXXX with them claiming I owe my previous apartment complex XXXX XXXX. I told the representative I didnt owe them anything and that this was the first time I had been contacted about any debt since I moved out XX/XX/XXXX. I told the representative I was disputing the debt and that I was also in active XXXX  XXXX bankruptcy. I havent had any communication attempts towards me until I saw they hit my credit XX/XX/XXXX. I work for a bank doing collections compliance and am fully aware of the regulations they broke. First XXXX XXXX, who they claim I owe, didnt contact me once from XX/XX/XXXX until I received a call from Hunter Warfield in XXXX of XXXX. After I explained I was in XXXX  XXXX bankruptcy I recieved a credit hit. They have broken TCPA violations, FDCPA and hit my credit while in active bankruptcy while trying to collect a debt I don't owe. I want my credit hit removed as well as any and all debt they claim I owe. I know each TCPA, FDCPA and bankruptcy violations carry hefty monatary penalties. If these actions can not be met I will have to move forward with my attorney and subpoena all collection attempts by XXXX XXXX and Hunter Warfield

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Apelles, LLC
State: MS

Complaint narrative:
The Company name is Apelles llc a collection company they calls me everyday about a bill with regions bank which i know about and i told them i was on a fixed income and it also contain overdraft fees which was of supposed to have been taken care of from regions bank i think i owe about XXXX dollars i have made a payment on the account and they calls me everyday at XXXX waking me up they even called today, i want them to stop worrying me everyday i was under the impression that a person is only supposed to be contacted once a month the number they calls me from is XXXX they have called 4 times this week please help mw with this issue the cost of living here in Mississippi is awful and we do not get any help on food i am disable and get a check once a month it is hard to choose between medicine and food and bills i had to stop taking some of my medicine because i could not afford it. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: DISCOVER BANK
State: NJ

Complaint narrative:
After reviewing my credit report, I noticed several fraudulent accounts on my credit profile
per following

experian profile:
DISCOVER BANK
7 POTENTIALLY NEGATIVE MONTHS
Credit usage
47%
Balance
$XXXX  Balance updated
XXXX XXXX XXXX
Credit limit
$XXXX
Account info
Account number
XXXX  
equilfax profile XXXX XXXX
Credit usage
100%
Balance
$XXXX
Balance updated
JXXXX XXXX XXXX
Credit limit
$XXXX
Account info
Account number
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: CBC Companies, Inc.
State: MI

Complaint narrative:
Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Per my Consumer law rights. I mailed a certified Notarized letter on XXXX, XXXX, to the President XXXX XXXX XXXX . The letter was never replied to, ( over 60 days ago ). 
I would like to have a detailed and investigated reply to the reason this legal dispute was not either removed from all credit reports the NFCU reports, or properly blocked on my credit reports. That's to ensure no further damage to my financial utilization reporting. 

2nd reason Is I will be addressing your company in court for over XXXX XXXX if this attached 1099-C that was sent to me from NFCU. so I filed XXXX taxes reporting this debt as income and paid taxes on the whole amount reported. 
This is fraudulent reporting!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: LCI Acquisition Inc.
State: MI

Complaint narrative:
Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: AL

Complaint narrative:
On XX/XX/XXXX, i looked at my report. I sent a letter to Experian on XX/XX/XXXX asking them in reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX the sent me their investigation and said these accounts are complete and accurate. 
XX/XX/XXXX I sent a written request for them to provide a detailed description of the investigation process. Which they did not respond to. 

Heres the tracking for that letter : XXXX I looked at my report and noticed everything is still the same And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ( ii ) the information is, in fact, inaccurate. 

Experian really did not reinvestigate. They lied on an official document saying they did something they did not do and i have evidence to prove my case.

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 2024-02-17 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: LEXISNEXIS
State: MI

Complaint narrative:
Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
The alleged Creditor failed to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications were sent via mail to the alleged creditor 's address. I sent the alleged creditor a " Cease and Desist '' notice to stop all collections and reporting until the alleged creditor can verify and bring forth the " original contract '' and respond to stipulations in my " affidavit to perform upon debt validation letter ''. After giving the alleged creditor 30 days to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications via mail, I have not received a response and have just been ignored. The alleged creditor after the fact there is a " Cease and Desist '' in place is still reporting derogatory information to the credit bureaus that's hurting my credit profile. Now I'm here to report Identity theft due to no response and have just been disrespectfully ignored.

Company response to consumer: Closed with explanation