vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 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: TN

Complaint narrative:
I would like to file a complaint on both agencies XXXX and Experian for reporting inaccurate information in regards to one account XXXX XXXX XXXX. I have gotten results back from both agencies and both agencies are reporting two different FEDERAL removal dates within a 3 month difference for this one account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. XXXX results state " we have verified this account belongs to you '' which they have miscategorized my previous request in which I had already put them on notice that the estimated month and year this item will be removed was inaccurate because the payment history does not prove it. XXXX had failed to fix this error because the date remains the same. I've never once denied ownership of this account with XXXX and experian, my disputes have always been based on inaccurate reported information. 

XXXXs results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX Experian results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied Mme with results but both results reflect different FEDERAL information. the payment histories with both agencies report the same date of commencement of the delinquency date of XX/XX/XXXX further more proving that both agencies are not even reporting the correct month this account is schedule to be removed. to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accuractly with respect to any deliquenct account. Both agencies are reporting inaccurate information and have illegally re-aged this one account and is not reporting what capital one has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXXXXXX under XXXX tracking XXXX and waiting for there response in the mail.

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 2023-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arbor Professional Solutions, Inc.
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
on XXXX XXXX I made the purchase of the XXXX XXXX XXXX for XXXX with a XXXX down payment. However looking at my contract I don't think my down payment was subtracted from my original financed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: SC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: LoanCare, LLC
State: MI

Complaint narrative:
In 2018 I experienced XXXX issues and went on forbearance. LOANCARE is showing negative on my credit report and not showing it was covered in forbearance. I am currently up to date and I want the negative reporting removed from my credit. I am also XXXX and have hardship as well.

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 2023-01-05 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: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
On XX/XX/2021 I received my credit report showing several payday loans from this company. ( Speedy Cash ) I was not aware of this loan and reached out the company to dispute these charges. I sent the debt validation letters to all 3 credit bureau and I never received any documents. I was requested to provide my ssn, birth certificate and drivers license to the bureau. Once I submitted that information to get my account verified the bureau then used my information to update all of my inaccurate personal information on my credit reports. Speedy cash then used that information and updated it on their end and then sued me. Even after I contacted them stating this loan has been obtained via identity theft. They used my accurate information to put the loan on myself. That is illegal. This is against my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
I have talked with Security Finance numerous times about my past due payments and have explained to them that I am waiting on my bank history from XXXX so I can refinance my loan. They consistently keep calling me every single day even if I have explained the situation the day before. It is disrupting my work and schooling and it has begun to be absolutely too much and I have explained this to them numerous times. They call my family members and give out my personal loan information such as how much I owe and my total balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Main Resolution Group
State: WA

Complaint narrative:
Called called me looking for XXXX I informed them that was not me and then they said good, this must be XXXX  her daughter I said who are you? They went on to say My name is XXXX XXXX I'm calling from main resolution group XXXX XXXX owes a debt of {$3400.00} XXXX  since she has until this evening at XXXX o'clock to contact them or she will be put on a schedule l To have charges filed against her I was informed that I was welcome to pay this amount on her behalf to prevent her wages from being garnished. They would be continuing down the list of contacts to try and reach her. After refusing to identify myself they asked if I would verify the last 4 of her social security number to which I responded I do not know that information but the number that they gave me to verify was in fact her ssn, I did not verify this. They informed me that unless she called them before XXXX XXXX  today they would move on to the next person on the list to call which is XXXX XXXX XXXX who could not possibly be contacted as she is a toddler. I hung up with them at XXXX XXXX  XXXX. 
This number has called XXXX  as well with a similar rhetoric two times as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX 15 USC 1666b Timing of payments. TITLE XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681a Definitions ; rules of construction. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER III : CREDIT REPORTING AGENCIES 15 USC 1681b Permissible purposes of consumer reports. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER III : CREDIT REPORTING AGENCIES 15 USC 1692c Communication in connection with debt collection. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 15 USC 1692j Furnishing certain deceptive forms. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 15 USC 1692g Validation of debts. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 18 USC 1028A Aggravated identity theft. TITLE 18 : CRIMES AND CRIMINAL PROCEDURE / PART I : CRIMES/ CHAPTER 47 : FRAUD AND FALSE STATEMENTS 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : Consumer Reporting Agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

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

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 2023-01-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I would like to file a complaint on both agencies Transunion and XXXX for reporting inaccurate information in regards to one account XXXX XXXX XXXX. I have gotten results back from both agencies and both agencies are reporting two different FEDERAL removal dates within a 3 month difference for this one account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. Transunios results state " we have verified this account belongs to you '' which they have miscategorized my previous request in which I had already put them on notice that the estimated month and year this item will be removed was inaccurate because the payment history does not prove it. trasnunion had failed to fix this error because the date remains the same. I've never once denied ownership of this account with transunion and experian, my disputes have always been based on inaccurate reported information. 

TransUnions results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX XXXX results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied Mme with results but both results reflect different FEDERAL information. the payment histories with both agencies report the same date of commencement of the delinquency date of XX/XX/XXXX further more proving that both agencies are not even reporting the correct month this account is schedule to be removed. to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accuractly with respect to any deliquenct account. Both agencies are reporting inaccurate information and have illegally re-aged this one account and is not reporting what capital one has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXX under XXXX tracking XXXX and waiting for there response in the mail.

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 2023-01-05 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: SC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Freedom Mortgage has recently purchased my mortgage from XXXX and took over servicing this my mortgage account in XXXX. 

I wasn't given any notice that this would be happening, just a letter that it had. In that letter, I noticed that after the transfer ; the escrow amount per month had gone up {$51.00} or more than 7 %. 

My insurance and property taxes have gone down, so I was surprised that my escrow was increasing. I called and was told this was due to a " Shortage '' in the escrow analysis done by XXXX in XXXX. 

I believe that it is apparent that in this analysis, the " shortage '' is caused by requiring me ( the borrower ) to deposit funds, needed for disbursement and maintenance of a cushion, in the escrow account some period before the disbursement date. 

This has been accomplished in the escrow analysis by pushing together the two property tax disbursements so they are 5 months apart, and both are disbursed long before Illinois, XXXX county property taxes are due. 

In the analysis from last year, the final property tax disbursement wasn't planned until XXXX but didn't happen until XXXX. 

If these disbursments came at the proper time, or were properly spaced, there would be no shortage. 

I have made Freedom Mortgage aware of this, and asked for a way to contest this, and have basically been told the following : Freedom Mortgage says they have not done any analysis the analysis is from XXXX. They can not change, alter or grant a stay until they conduct their own analysis, which they say they plan to do in the first 60 days. 

With rising interest rates and inflation hitting everyone, blaming the previous company 's terrible analysis in order to justify what looks a lot like the use of pre-accrual in order to justify an escrow shortage is unacceptable ; and although I may get paid the " shortage '' difference in a year, there is no interest.

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 2023-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
On XX/XX/XXXX Roundpoint made a disbursement from my mortgage escrow account in the amount of {$250.00}. I have followed up with roundpoint several time in a attempt to find out who the disbursement was to and why there was a disbursement. They have been unable to answer either of the questions so I have asked for a refund to be sent to me for the same amount ( {$250.00} ). On XX/XX/XXXX after talking to roundpoint 's customer service I was told that a check would be sent to me and I would have it in the next XXXX XXXX. it is XX/XX/XXXX and I still do not have not received the check or received answers about why or who the disbursement when to.

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