vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am a senior citizen and I'm on the XXXX program they paid my Mortgage and my mortgage company received the payment and refused to posted the payment and charging me a late fee I called several time and was told they received my payment but its not yet posted by they keep on calling me about late payment also charging me a late fee, XXXX sent the payment on XXXX also XXXX XX/XX/23 select portfolio not posting the payment and causing me issues with my credit I called them several times and they acknowledge that they did received the payment and another department is handling those payments as of today the payment received posted to my account and causing me stress and fear, at XXXX years old I cant handle this stressed from them, Please see all the letters from select portfolio services also my XXXX approval letters XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: TX

Complaint narrative:
My issue is with Triad Financial Services trying to XXXX XXXX Tax on a Tiny House that is in a Tiny Home Community. The lot is rented monthly and the Tiny Home is XXXX square feet which is considered an RV. Triad insists on some documentation from XXXX XXXX is required to prove that no taxes will be accessed. 
I visited the tax office and they stated that they will not provide documentation for an account that doesn't exist. Who is Triad collecting XXXX XXXX XXXX for if there is no account to send the money too? 
The consumer should NOT have to pay this for 12 months and find out that Triad was wrong and wait for a refund from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Experian Information Solutions Inc.
State: SC

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 2023-01-25 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: PA

Complaint narrative:
To whom it may concern Please be advised this is my second written request and final warning that I intend to pursue litigation in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my rights and seek relief and recover all monetary damages that I may be entitles to under section 616 and section 617 regarding your continued willful and negligent noncompliance. You are the company that that reported the unauthorized credit inquiry ( listed above ) on my credit report violating federal law. You are required under the FCRA to have a copy of the documentary evidence, verify the information on my credit report is and is correct. In the results of your first investigation, you stated in writing that the credit inquiry is verified and reported correctly. I believe you are violating the FCRA because I have not signed any documents authorizing the company in question to review my credit report. Thus, the listed inquires made without my authorization and for no legitimate business purposes. Please also be advised that I contacted the above companies. Since they have no proof of my inquiry authorization, written or verbal I ask that you delete the unauthorized inquiries from my credit report immediately. According to section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S Code 1681b in general. Subject to subjection ( e ), any consumer report agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) in general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency ( i ) promptly delete. IMPORTANT : This credit collection is not mine. Please, re-investigate this matter and delete the disputed items as soon as possible before I am forced to take legal action against your company. This law is very clear as to the civil liability and the remedy available to me ( 15 U.S Code 1681 et seq. ) My FTC Report is attached the report number isXXXX I know your company needs some sort of verification to prove my identity. My information is clearly shown below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX if you fail to comply to federal law. I am a litigious consumer and fulling intend on pursing litigation in this matter to enforce my rights under the FCRA!

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 2023-01-25 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: NV

Complaint narrative:
a. invalidated debt, debt has been invalidated b. contract has been cancelled c. the length the collection has been on the credit report has been exceeded TransUnion and XXXX have added a collections account from XXXX XXXX XXXX to my consumer reports. This account does not belong to me and is causing adverse action while also defaming my character. Once again the consumer reporting agencies did not do their due diligence in exercising their grave responsibility in verifying anything before placing it on my reports. They were partial and unfair. They assumed a role which no one gave them permission. 
see attachment

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 2023-01-25 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. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : 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 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 2023-01-25 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: 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. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : 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 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 2023-01-25 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: NY

Complaint narrative:
Credit score dropped XXXX XXXX points, with no justified explanation, as stated in last complaint and still hasn't been address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXX PORTFOLIO RECOVERY ASSOCIATES LLC sent a debt collection of {$700.00} that was dated back XXXX from a XXXX  XXXX and it was charged off XXXX. Im reporting this account as fraud because my brother has used my name in several attempts to receive credit cards for financial gain in my name. For I have no knowledge of this account and I'm also attaching a official document from his XXXX  XXXX that he has been using my name with a FBI number that's listed on the document .and I have also re-enter a fraud alert with XXXX XXXX with this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 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: CA

Complaint narrative:
I may have checked some boxes improperly to move forward to this page, but there were no clear choices for my specific complaint. 
My complaint is about the entire industry and how and what they report on. 
Case in point : I have run a business for over 45 years, recently retired, savings to live off of till Social Security is taken, home paid for and no debt, which is the goal in life isn't it. 
I choose to buy based on my ability to pay, not to run live my life in debt. Because of this I am being discriminated against by XXXX and other credit reporting companies by their reporting of information that is as they state " Hurting my Fico score ''. 
Example : On XXXX they state that I have an insufficient number of accounts that are currently being paid as agreed. To my knowledge I have no accounts complaining of non payment as agreed. They state that I only have XXXX accounts and that to be a FICO High Achiever I need an average of XXXX accounts being paid as agreed. I have no need for more accounts as I pay as I go. I think this is definitely discrimination against me and how I wish to live my life. If someone is going to report information about me, then I as a tax payer and consumer should have a say in what and how my personal information is reported, not some financial institution that wants to skew my information to suit their needs. My experience in running a business told me to stay away from clients who were overextended. A great example of this is my younger brother who for the last 20 years has carried credit card debt in excess of {$80000.00}, making the payment but being unable to get out from beneath its burden. His FICO score has always been much higher than mine as he is feeding the system. The bottom line is that I choose to not live a life of debt like most American and the US government and I feel I am being discriminated for it. Any information you have for me that explains otherwise would be greatly appreciated as this has been a bad taste in my mouth for 25 plus years, and now that I am semiretired I finally have time to voice my opinion about it. Too many accounts has driven our government to cause inflation, another tax on Americans, is haviong more accounts really a good thing? 
Thank You for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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:
I may have checked some boxes improperly to move forward to this page, but there were no clear choices for my specific complaint. 
My complaint is about the entire industry and how and what they report on. 
Case in point : I have run a business for over 45 years, recently retired, savings to live off of till Social Security is taken, home paid for and no debt, which is the goal in life isn't it. 
I choose to buy based on my ability to pay, not to run live my life in debt. Because of this I am being discriminated against by XXXX and other credit reporting companies by their reporting of information that is as they state " Hurting my Fico score ''. 
Example : On XXXX they state that I have an insufficient number of accounts that are currently being paid as agreed. To my knowledge I have no accounts complaining of non payment as agreed. They state that I only have two accounts and that to be a FICO High Achiever I need an average of 6 accounts being paid as agreed. I have no need for more accounts as I pay as I go. I think this is definitely discrimination against me and how I wish to live my life. If someone is going to report information about me, then I as a tax payer and consumer should have a say in what and how my personal information is reported, not some financial institution that wants to skew my information to suit their needs. My experience in running a business told me to stay away from clients who were overextended. A great example of this is my younger brother who for the last 20 years has carried credit card debt in excess of {$80000.00}, making the payment but being unable to get out from beneath its burden. His XXXX score has always been much higher than mine as he is feeding the system. The bottom line is that I choose to not live a life of debt like most American and the US government and I feel I am being discriminated for it. Any information you have for me that explains otherwise would be greatly appreciated as this has been a bad taste in my mouth for 25 plus years, and now that I am semiretired I finally have time to voice my opinion about it. Too many accounts has driven our government to cause inflation, another tax on Americans, is haviong more accounts really a good thing? 
Thank You for your time

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 2023-01-25 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: NY

Complaint narrative:
Consumer reporting Clarity have been reporting a charge off on my consumers report which is illegal and innacurate because a charge off is considered cancelled debt and the IRS considered cancelled debt as gross income. Income can not be reported on a consumers report. This is libel defemation, these consumer reporting agencies are reporting something that is not supposed to be on a consumers report so other parties can see. This can cause financial and emotional damage. Other parties seeing this can question my financial responsibility off of something thats not suppose to be reported. Income isnt suppose to be reported on a consumers report and also consumer reporting agencies must follow FRCA and FRCA 15USC 1681 states for a consumer reporting agency to furnish something on my report they need my written permission. I never sent a written permission stating I wanted this reported. The consumer reporting agencies are reporting inaccurate information which is reporting income on a consumers report when in fact its not supposed to be reported occurring to the IRS, furnished something that I never gave written perrmisission /consent on. Envaded my privacy. According to the laws that these consumer reporting agencies broke, they defamed me. They are reporting information so third parties can see and see a wrong impression which will ruin my reputation question my financial responsibility, this will cause financial and emotional stress.

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 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This was removed from my credit by the institution i had a wet signature with. however today i reviewed my account and noticed a collection from a company ive never had any involvement with reopened it and now are sending contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 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: NJ

Complaint narrative:
I was scammed by XXXX XXXX  several times i called reported it and nothing was done by them with credit cards now my credit score is completely ruined and my information is given to all these companies and nothing is being done i tried everything with 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