vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 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: Carter-Young, Inc.
State: NV

Complaint narrative:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, [ Your Name ] Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: GA

Complaint narrative:
The credit Bureaus never did a proper investigation according to the FCRA The Term investigation consumer report means a consumer report or portion thereof in which information on a consumers characteristics or mode of living is obtain 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 did not do this. 
Also, they have violated my right even more in accordance with the Fair Credit Reporting Everything has to be 100 % Accurate on my credit report. 

The Credit Bureaus stated account # was properly investigated but how is that possible if the address on file is inaccurate, place of employment,. This ground for removal, They have violated the law because according to In accordance with The fair Credit Report Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 this account has violated my rights.

15 U.S.C 1681 section 602 A. States i have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The identified transactions are not information related to any transaction by me as the consumer : XXXX Account # XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report immediately I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am writing in regard to the mortgage on my property at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. Mortgage Loan Number : XXXX. 

My Mortgage servicer, NewRez LLC, did not properly credit the payment that I made on XX/XX/2022 in the amount of {$97000.00}. This payment was equal to the payoff amount the company quoted me through their website that same day and should have paid off the loan in full. Apparently, since the payment through the online payment portal, and did not follow NewRez 's " protocol '' for paying off the loan, the payment was not credited as a payoff. I phoned their customer service number three times explaining that the payment was meant as a payoff and to correct the error before writing and sending them the attached notice of error. I have not received a response to my letter as of today. I have called their customer service line twice more since then as the problem is not resolved and no one from the company has reached out to me. Each time I called, I was assured by their customer service representative that the error would be corrected and the loan would be paid off in full. As of today, this error has not been corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
We purchased a new furnace and water heater from XXXXXXXX XXXX XXXX XXXX, HVAC Contractor in XXXX, Ohio XXXX on XX/XX/2022 for {$9100.00}. We were given a loan with 18 months same as cash terms, through GoodLeap LLC XXXX # XXXX, XXXX XXXX XXXX XXXX. XXXX, CA XXXX. We began paying the loan when we received information that an account was opened for my wife ( loan signer- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was the subject of another complaint, which was closed because details of that transaction were listed in a XXXX which was not explained to us at the time of loan origination. 

We have been paying the loan, and completed paying the amount in full {$9100.00} on XX/XX/XXXX, XXXX we have contacted the company by phone and online, trying to obtain confirmation that the loan has been paid and we have not received a final statement. The process of paying month was challenging online at there are no statements of remaining balance and difficult to understand listings of payments made to date. The company has many complaints regarding their communications regarding billing, and we are concerned that they attempt to obscure remaining balance and final payment so that considerable interest can be charged to people who are using XXXX interest financing terms. https : //www.trustpilot.com/review/goodleap.com? XXXX Please look into this company and their practices. We have paid in full early and want to make sure we receive documentation to that effect. We don't want others to be victims of deceptive loan balance statement management. 

Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I received a notice on XX/XX/2023 that I had a credit inquiry for a new credit card from COMENITYCB/ULTA XXXX XXXX XX/XX/2023. I did not authorize this, nor request this. We have not shopped at XXXX in months. I called their number to have this removed and they referred me to Comenity, which is closed. I want this removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted XXXX XXXX XXXXXXXX about an unauthorized hard inquiry made on XX/XX/2021XXXX XXXX XXXX XXXXXXXX has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because XXXX XXXX XXXXXXXX must contact the reporting credit bureau for removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account 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 an account without 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 explanation
Consumer complaint received 2023-02-11 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: CA

Complaint narrative:
This account was paid in full three years ago. Still reporting on my credit. Collection agency told me they would remove it completely from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was trying to make a mobile deposit around a year ago for around {$79.00} and I made a small error and tried correcting it where my account was flagged with fraud. When I got flagged with fraud, I got locked out of my account. I called them and was then transferred to the fraud department and explained to them everything and they told me it was an honest error and they would try to fix it. I couldn't login into my account because it was being reviewed. I then started being charged every month in fees until I went negative, then I received another letter after a while saying my account has been closed and my negative balance has been removed. My account was already closed so not sure why I'm even still getting letters. I never got any of the money I tried to deposit, they took all of it. Today, they sent me a settlement letter stating I have to pay {$26.00} in debt. What am I in debt for? They took the very money I tried to deposit. They charged me in fees and left me with {$15.00}, which was all used up in more fees but my account was already confirmed closed, so how and why was I being charged? It stayed quiet until today XX/XX/XXXX which is when I got the settlement letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Southwest credit system reported i owe XXXX. Spoke with req. XXXX. 3 weeks ago ask to send me copy of bill showing I owe XXXX dollars. I never owed XXXX dollars to XXXX. Never had a bill over XXXX. Retuned all equipment. Ask bill collector to remove negative info off my credit report. Have not recd copy of bill or hasnt been removed off my report. Showing up as a new collection. Havent had XXXX since XXXX 
Spoke with rep 2nd week in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed false information on my credit report in XXXX and I finally heard back from Equifax with no result but they wanted me to send my ID and I have disputed these matters months ago. I requested removal of the inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-02-11 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: NV

Complaint narrative:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts on Experian, XXXX and XXXX ( my consumer reports ), they have violated my rights 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions As well as the Truth in Lending act, I was never made aware of my right of recession from any loan or credit card I took out, which automatically makes the contract null and void.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
My Complaint against XXXX XXXX XXXX, was also sent to Trans Union. 
Trans Union received a false collection account report from XXXX, about my no contract, pre paid internet and residential phone service, which simply requires the month to be paid in advance. Today, Saturday, XXXX XXXX XXXX, just minutes ago, I received the Trans Union XXXX XXXX by regular mail from Trans Union about this complaint I filed against XXXX XXXX XXXX. I disagree with Trans Union, because they wrote on page 5 of their Investigation Results included, and I quote : " Was a Collection. '' Trans Union did not sent their investigation results to the C.F.P.B. or through the C.F.P.B.

But no, it was not a collection. It was paid in full as this results say. But I do not had to pay {$120.00} to use this pre paid without contract service, never, the XXXX Kiosk Payment Receipts included, the kiosk is their self service payment machine located at their stores, clearly shows 3 receipts from the year XXXX, XXXX that I paid with {$45.00} cash, because their Kiosk does not return change, and one paid by credit card for the amount of {$44.00}, which was the amount usually paid, XXXX dollars with cents. Dates of the receipts are XXXX. XXXX XXXX, XXXX XXXX XXXX, and XX/XX/XXXX. 
Again, I had to pay before the next month of use, if not, service was deactivated without penalty. I had no problem with this kind of service with XXXX XXXX for my cellphone, that I use since years ago. They always sent a Thank You message for pre paying the next month, because there is no obligation for me to continue, if I stop paying is not a collection debt, it does not change to a collection debt, because there is no contract and what I accepted was a pre paid service, just as I did with XXXX. 
XXXX XXXX respects the original agreement, unlike XXXX, who at some point and without any notice to myself at all, changed it. Nobody accumulates months of debt under a pre paid no contract service, the service is simply disconnected for the next month we never used, because we decided not to pay that next month, there is no way to use the service until we pay first. At some point XXXX changed this, without telling me at all. I never received XXXX invoices, which were available only logging in to myclaro.com if allowed by them, unlike now, that they eliminated me, I had to download the invoice, but a pre paid service does not require an invoice, they changed the terms without any notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation