vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts provided below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section. 

Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX ( XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A : States my right to privacy as a consumer.

15 U.S.C 1681 section 602 A Section 2 : States that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written instructions as consent for such disclosure.

15 U.S.C 1681c ( a ) ( 5 ) : 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 7 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 a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates, already under court order by the CFPB, is still contacting me regarding a debt that has not yet come out of deferment, and/ or is contacting me about a debt I do not owe and was never given a notice of my right to dispute. 
The loan ( which they are calling me about, illegally, in harassing phone calls ) in question never discharged in time and never covered all my late charges billed to me by the UC Board with less than 2 weeks left in my XXXX XXXX term. I had assumed by that time,, as any normal person would,, that my terms enrollment had been cancelled ( I was not enrolled with less than 2 weeks left in the quarter! And have records of this ) so I left the area to save myself rent charges ( again, with rental records to show this ). 
Only the terms late charges, ( not including tuition charges, which did not show up in my account until after I had left the area and traveled XXXX hours away by car ) were filed as a lost claim by the XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX XXXX of last year ( I am listed as a dependent in the case already settled out of court last XXXX ) I opted out of the settlement as I felt the terms were not satisfactory to cover my losses So Portfolio Recovery should not even be involved in collections efforts regarding this terms ' loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Someone called me claiming to be from Bank of America fraud prevention and said that a credit line was open in my name and someone was using XXXX to transfer money out and that I needed to go to my XXXX XXXX linked to my XXXX XXXX to enter some codes to block these transfers. I called XXXX and disconnected XXXX  from my XXXX XXXX. The person calleing and claiming to represent BOA kept calling back from the phone number : ( XXXX ) XXXX. They said I needed to call XXXX at : XXXX. 

I reported the case to the FTC as possible identity theft. The FTC identity theft case # is : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. Under 15 USC 166B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a complaints XXXX ( Equifax ) XXXX XXXX ( XXXX ) on XX/XX/XXXX for XXXX XXXX account # XXXX XXXX XXXX. The account came back verified with both complaints. How is the account verified on both complaints when the facts are directly from my credit report showing a 2 year difference for the date of last activity. XXXX is reporting XX/XX/XXXXXXXX  for date last active while Equifax is reporting XX/XX/XXXX. Under 15 U.S. Code 1681e - Compliance procedures, Equifax by law shall maintain reasonable procedures designed to avoid violations. Using an automated system is not a reasonable procedure to ensure max possible accuracy. This procedure is not equitable which has now caused violations of the FCRA. I wanted the account deleted due to inaccurate information reporting to this account which is now causing violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I've recently gone through a divorce and as we were settling things financially, our mortgage payment went by the wayside. Prior to the divorce settling in XXXX of this year, we decided to put our house on the market and finally got an offer and the house was set to close in XXXX ( 2023 ). I didn't pay XXXX, XXXX, and XXXX at first ( while the house was in closing ), but then went back to pay XXXX and XXXX so I wouldn't be more than XXXX months behind. My last payment to LoanCare was on XX/XX/2023. 

I closed on the house on XX/XX/2023- in which a check for nearly {$200000.00} went to LoanCare to pay off the entirety of the loan. LoanCare gave the title company a payoff quote and spoke to someone. 

This week ( week of XX/XX/XXXX ) - I get a notification from XXXX that my credit dropped XXXX points because I'm behind on my mortgage. I'm trying to figure out HOW THIS IS POSSIBLE when the house sold, and I was given a check for the proceeds for my end. 

LoanCare is still showing that I owe money ( right now they show that I'm past due {$5300.00} with a payment to be paid on XX/XX/2023 ), and has negatively reported me to the credit bureaus. I called to talk to them and they said they never got the check, and the next step is foreclosure for the person who JUST bought the house and is living in it now.

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 2023-04-20 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: MA

Complaint narrative:
In accordance with the fair credit Reporting act Capital One Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose. 

This is in regard to late payments posted by Capital One on dates ; XX/XX/XXXX and XXXX, XXXX and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: OH

Complaint narrative:
Experian, XXXX XXXX XXXX are reporting information on my credit reporting fraudulent accounts on 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 non-monetary relief
Consumer complaint received 2023-04-20 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX this creditor Account # XXXX has violated my rights. XXXX Under 15 USC 1681 Section 602 States I have the right privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX account ( XXXX ) is reporting an account as open. I have called XXXX XXXXXXXX XXXX and the representative says they have no record of this account under my social security number. 

They ask for an account number, which I do not have because the account does not exist. The credit reporting agencies only show a partial account number. Although the account is reporting a positive history, the account is being counted against my available credit and thus, debt to income. 

I have filed an identity theft report as I have been a victim of ID theft.

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 2023-04-20 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : NCA, has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C.

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 rep agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records 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 hr reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: NY

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 Account : XXXXXXXX XXXX # : XXXX ; Account : Department of EducationXXXX # XXXX ; Account : US Dept of EDXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: MI

Complaint narrative:
Already have another complaint active with them about communications. They are delaying their " investigation '' and calling an average of XXXX times a day. This is harassment, and it will end. If this gets yet another automated/scripted response I will look into legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: CA

Complaint narrative:
I would like to remind XXXX XXXX XXXXXXXX that, as a victim of identity theft, I have the right to dispute any account created using my personal information. I have filled an FTC affidavit in early XXXX and sent it to the CFPB, who subsequently sent it to XXXX XXXX XXXXXXXX. I have been out of the country since XX/XX/2023 and, upon my return, I received multiple mails from XXXX XXXX  XXXX asking me for a copy of the FTC report. By declining my claim, XXXX XXXX XXXXXXXX is denying me my rights under the Fair Credit Act. I would like to remind XXXX XXXXXXXX XXXX that they have a copy of the FTC report, which the CFPB sent them, and request that they reconsider my claim.

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 2023-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I made a {$35.00} payment towards my XXXX XXXX XXXX in order to make the new balance {$4300.00} even. On the XXXX of XXXX, my Credit union ( XXXX ) CLEARED the payment from my account. Account XXXX XXXXXXXX, Transaction ID XXXX XXXX. As of today, XXXX XX/XX/XXXX, NELNET still has not issued the credit to my balance. I have contacted them multiple times, they claim the bank did not process the transfer. The bank has twice confirmed they made the payment. I have requested from NELNET the contact information for their regulatory agency and legal department, they refused to provide either. I can not trust electronic payment system at this time and have notified them that no further payments will be made until this payment is credited. They insist the issue is with my bank and I need to make the payment again. The account with NELNET is on Covid pause so it is not gathering interest, at this time. But {$35.00} is still {$35.00} cents, and NELNET has a history of not properly managing my student loan accounts. 

I am attaching written letters sent USPS, I have several emails between myself and them and my financial institution as well as two phone calls. 

An internet search provided your information as the Federal Regulating Authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
On XXXX the XXXX I was garnished from my XXXX XXXX XXXX XXXXXXXX account for {$1900.00}. I also was charged a fee for this, for the amount of {$120.00}. I was garnished by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX ph. # XXXX ( a collection agency for XXXX XXXX credit card ). I checked my credit score a month later. I noticed that the debt was still there and increased. So I called XXXX funding to see why I still owe and how the balance increased when it was deducted from my account a month ago. The agent who works for them named XXXX XXXX is who I talked to and she told me that I was getting charged interest until XXXX XXXX XXXXXXXX released the money to them so I called XXXX XXXX XXXXXXXX to see why they haven't released the money and they said they sent the papers they needed to send back to XXXX funding and they haven't got back with them they both keep telling me the same thing and it's been 2 months now going on three and I have been charged {$300.00} more dollars and the money has already been taken from my account on XXXX the XXXX. The bank called them and they said they haven't received the form from the bank and the bank told them they needed to look to see cuz they had sent XXXX forms then the lady found the form and they still are charging me entrance and when I am trying to talk to them they are getting real rude and just prolonging this process and the meanwhile charging me interest and saying they haven't received the money and XXXX XXXX XXXXXXXX is telling me they have did they part they're waiting on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I'm making this complaint to SAGESTREAM. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: FL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-20 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: OH

Complaint narrative:
I Have no knowledge of this account, XXXX XXXX XXXX # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! 

According to 15 US Code 681s-2, 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 explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
They called me over 4 times in under an hour on XX/XX/23 between XXXX from XXXX. Claim to be XXXX XXXX. They claimed they have me on camera in my XXXX uniform walking inside of a check and go.. first off, my job doesn't have uniforms and I don't have a XXXX uniform. 
XXXX off, there is no check and go here. XXXX, he cussed at me, called me stupid and named off all my personal information, threatened to have my wages garnished and some more. 
I've never received a letter in the mail of any documentation of this. I've never walked inside a check and go. Don't even know what a storefront looks like but there's none around here in this small town. I am tired of them harassing me.

Company response to consumer: Closed with explanation