vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-07 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: AZ

Complaint narrative:
I AM A FEDERALLY PROTECTED CONSUMER. And in light of the recent investigations brought upon EQUIFAX. I find my consumer file is irresponsibly tampered with. Ever since the first EQUIFAX BREACH XXXX.I have made several attempt to remind EQUIFAX of there DUTY PURSUANT OF 15 USC 1681. It appears EQUIFAX is intentionally and willfully being neglectful in remedying my affairs. 15 USC1681E ( B ) assures that I am due promised accuracy in my report based on FEDERAL LAW. This is another attempt by going thru the CFPB to have errors corrected on my consumer report 15 USC 1681i ( A5 ) SAYS that after all reinvestigations all the unverified information be removed. You can see in your system that these accounts I list below that were previously disputed without being thoroughly investigated thus I know that it cant be verified or validated ''. EQUIFAX DELETE THESE ACCOUNTS XXXX ACCT #, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXXXXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
United Collection Bureau Inc. sent me a bill on XX/XX/2022 ( UCB Reference Number XXXX ) for an outstanding bill from XXXX XXXX XXXX, which was paid in full I have previously made more than 4 calls to the provider XXXX XXXX XXXX in regards to this matter. Each time I am told not to worry, they see the payment was mis-coded and to wait 30 days for a correction. Each month they send another bill. 

Now I am receiving automated calls from this collection agency for a bill that was paid via my Flexible Spending Account on XX/XX/2022. I've included a copy of the check cashed by XXXX XXXX XXXX on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I contacted Venmo about a transaction that was sent to the wrong account due a malfunction with the app ( and refused to troubleshoot the issue with the app ). The payment which was labelled rent was directed to an ex-roommate who left on bad terms. I contacted Venmo who instructed me to have him call them to return the funds. He did so but Venmo had extracted the funds for a debt that he owed them. They refused to do anything about returning the funds when he informed them to return them to me. The amount was {$1800.00} and they have tried to place the burden on the receiver when they have acknowledged that he wasn't supposed to receive the funds. This is also reflected in my Venmo history with two payments to my landlord once a month. 

I have submitted a police report and a report to the FTC about the issue. We did exactly as Venmo instructed and refused to return the funds to pay off the person 's debt. I am now having to scramble to find a means to pay my rent while Venmo refuses to process the refund even after having the person they told me to contact to contact them and approve the payment back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: MO

Complaint narrative:
On XX/XX/2022 I went to XXXX XXXX to simply look at furniture. I did not intend on purchasing anything that day, as I didnt have any money on me. They quickly mentioned that I didnt need a physical card in order to make the purchase. This led to me signing up for a rent to own agreement with American First Finance, since thats who XXXX XXXX uses. I dont know which company to blame in this situation. I got my furniture XX/XX/2022, since my move in date was XX/XX/2022. I made 3 payments before my payment was delivered. I was paying for furniture I didnt have for at least 15 days. The agreement had an early pay off option which I intended on using, except my pay off date was not accurate. First, I believe I shouldnt have paid anything until my furniture was delivered. Secondly, my furniture was delivered a day late even though it was ordered the week of XX/XX/2022. Thirdly, I believe my early pay off discount shouldve have been extended due to my first and second reasons. I called American First Finance, and the employee I spoke with slipped up and agreed that American Freight shouldnt have started payments weeks before I got my furniture. Clearly that conversation did not go far, because Im here writing a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-07 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: CA

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 USC1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
the company is CREDIT ACCEPTANCE CORP Date opened XX/XX/2018 Original balance {$9600.00} what happened is that someone used my personal information and they did not verify that it was not me and today they do not want to be held responsible that it was not me and they do not want to help me, they have already been sued once because they do illegal things with many people.

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 2022-08-07 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: AZ

Complaint narrative:
I AM A FEDERALLY PROTECTED CONSUMER. And in light of the recent investigations brought upon EQUIFAX. I find my consumer file is irresponsibly tampered with. Ever since the first EQUIFAX BREACH 2017.I have made several attempt to remind EQUIFAX of there DUTY PURSUANT OF 15 USC 1681. It appears EQUIFAX is intentionally and willfully being neglectful in remedying my affairs. 15 USC1681E ( B ) assures that I am due promised accuracy in my report based on FEDERAL LAW. This is another attempt by going thru the CFPB to have errors corrected on my consumer report 15 USC 1681i ( A5 ) SAYS that after all reinvestigations all the unverified information be removed. You can see in your system that these accounts I list below that were previously disputed without being thoroughly investigated thus I know that it cant be verified or validated ''. EQUIFAX DELETE THESE ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Evergreen Moneysource Mortgage Company
State: WA

Complaint narrative:
My family suffered a loss in income due to XXXX and had to take mortgage forbearance on this loan. We worked with Evergreen Home Loans on a trial program for a loan modification beginning XX/XX/XXXX. We've made all our payments on time every months since the agreement. We completed the trial period and were supposed to receive loan modification documents to sign around XXXX or XX/XX/XXXX. I called Evergreen Home Loans XXXX XXXX asking for my closing documents and they never sent them. 

I talked to XXXX XXXX, in Loss Mitigation, a few weeks ago when I asked her to send me the loan documents. She told me that the offer had expired and sent me new documents with a higher interest rate and monthly payment than what I have been paying. 

I am still financially impacted by the XXXX XXXX and can not afford the higher payment that Evergreen Home Loans is forcing me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: FL

Complaint narrative:
XXXX XXXX IS REPORTING A DELINQUENT ACCOUNT CLOSED AND PAID AND SHOULD BE DELETED AND STILL REPORTING ON MY CREDIT PROFILE AND SHOULD BE DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is NOT a duplicate! This is a complaint regarding the investigation done by both the creditor and EXPERIAN. I am representing myself. I am NOT a third party. I have also attached a utility bill and a photo of my social security card for proof of identity. 

XXXX XXXX is reporting XXXX late payments with XXXX and XXXX but XXXX is reporting I have a late payment with Experian. This is a violation and there was NOT a proper investigation done either. 

On XXXX XXXX I submitted a complaint for the account with XXXX XXXX XXXX XXXX XXXX XXXX *Complaint details are attached for proof* According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was accurate but, how is that possible if they did NOT do a proper investigation according to the law? And again, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. Lastly, Experian says the complaint was submitted on the XXXX of XXXX which is FALSE. The complaint was submitted through the CFPB on the XXXX of 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 2022-08-07 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: MD

Complaint narrative:
I have been contacting EQUIFAX to notify them that they are in violation of Title 15 USC 1681b ( 2 ) by furnishing my consumer report without my consent. They are refusing to correct the errors that I have expressed. [ Dispute submitted XX/XX/2022 confirmation number : XXXX ; XXXX XXXX XXXX - {$28000.00} ( account has been being reported for 29 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number : XXXX ; XXXXDEPT OF ED - {$7700.00} ( account has been being reported for 27 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number : XXXX ; XXXX OF XXXX - {$2500.00} ( account has been being reported for 63 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number XXXX XXXX/DEPT OF ED - {$6000.00} ( account has been being reported for 80 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number : XXXX XXXX/DEPT OF ED - {$3500.00} ( account has been being reported for 80 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number XXXXXXXX XXXX XXXX XXXX - {$28000.00} ( account has been being reported for 29 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number : XXXX INQUIRIES FROM UNKNOWN SOURCES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested that EQUIFAX remove each of the above listed accounts as I have never consented to the assembly or furnishing of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-08-07 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Over the past XXXX years I have made several attempts to remind CAPITAL ONE of their duty under the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act. My records indicate that CAPITAL ONE is reporting an account on behalf. By sharing my nonpublic personal information to NON AFFLIATED THIRD PARTIES. To my knowledge, I no longer have an account with their company. 

Under the Gramm-Leach-Bliley Act a former customer that " has obtained '' a financial product or service from a financial institution but no longer has a continuing relationship with it. For purposes of your obligations under the Privacy Rule, a former customer is considered to be a consumer. 

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available. 

CAPITAL ONE failed to provide a privacy notice, including an opt-out notice prior to sharing my NPI with these nonaffiliated third parties. 

XXXX XXXX XXXX CAPITAL ONEXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reviewed a recent credit report and have seen major errors in the information that is being furnished. Please be aware that I have only ever lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Again, the following addresses are not valid and have not been my place of residence and I need your assistance in making sure that these errors are rectified : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX Please respond within XXXX days with confirmation that this has been completed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Midwest Loan Services, Inc.
State: OR

Complaint narrative:
I recently paid off my loan in full after 6 years of condo ownership. Working with the company has been great. I believe I mistakenly paid late once during the period of my loan. The call center employees are very professional. 

In the last few weeks, I have been wishing resolution for my loan closure and my escrow refund check. On XX/XX/XXXX, you mailed my closing letter in full with the letter saying any applicable refund check would mail under separate cover. The next day, the XXXX, the check was mailed. On XX/XX/XXXX, I got the closing letter in my locked mailbox. It is common sense that two mailings a day apart would be received one day apart. It is now XX/XX/XXXX, a week after the first mailing. Your call center has told me several times that the check was mailed. No one can explain why the check has not shown up. I asked for them to cancel the check and they refuse to do it until 3 weeks after the mailing. I also was not told about their wire transfer option. Additionally, they refuse to waive the wire transfer fee if I cancel the check. It is 2022, and they dont have direct deposit as an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Over the past 2 years I have made several attempts to remind XXXX XXXX of their duty under the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act. My records indicate that XXXX XXXX is reporting an account on behalf. By sharing my nonpublic personal information to NON AFFLIATED THIRD PARTIES. To my knowledge, I no longer have an account with their company.

Under the Gramm-Leach-Bliley Act a former customer that " has obtained '' a financial product or service from a financial institution but no longer has a continuing relationship with it. For purposes of your obligations under the Privacy Rule, a former customer is considered to be a consumer.

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available.

XXXX XXXX failed to provide a privacy notice, including an opt-out notice prior to sharing my NPI with these nonaffiliated third parties. 

EXPERIAN 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 explanation
Consumer complaint received 2022-08-07 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:
I requested a document with my handwritten signature to verify that this account is mine ; none was sent 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 2022-08-07 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: NY

Complaint narrative:
I requested a document with my handwritten signature to verify that this account is mine ; none was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested a document with my handwritten signature to verify that this account is mine ; none was sent 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 2022-08-07 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act the attached accounts, 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

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