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

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX. 

Account number : XXXX This account has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) section also states that no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ) section also states that 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 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I tried to dispute with the pro collect co. 
1.this co call the 27 times XXXX before I find out was collection agency without notification Letter. they say they can not find my file, so ignored it. still calling me. 
then they said file disput through their website. 
2. once I found out disputed right away but still got calls everyday 3. still got calls 36 times after disputed XX/XX/2022, 4. I received letter from them on XX/XX/2022 that I owe money for {$1600.00} wrong statement. sent mail disputed letter with all the documents that I don't owe money. 
5. No response, just keep calling every day. yelling at me not to use speaker phone 6. Impossible to work with this co.

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 2023-04-04 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have attempted to resolve this issue with Experian numerous of times. Please be advised that this issue is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further actions. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this account is false and misleading. This is inaccurate. Please verify, validate, and document LEGALLY this account is accurate. Please provide proof that I was late on this account. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE UPDATE THE FOLLOWING ( PAID AS AGREED ) NEVER LATE IMMEDIATELY IF YOU ARE UNABLE TO PROVIDE LEGAL EVIDENCE OF LATE PAYMENTS XXXX XXXX XXXX XXXX Account # XXXX  {$8200.00} ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX Account # XXXX {$20000.00} ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX Account # XXXX {$5000.00} ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX Account # XXXX {$27000.00} ( PAID AS AGREED ) NEVER LATE

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 2023-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: United PanAm Financial Corp.
State: MI

Complaint narrative:
Two car was out in my name from michigan first and United auto credit I never applied or received anything from these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent letters out to Experian & XXXX on XX/XX/2023 to Investigate every piece of information on the accounts I have listed below.Also I have attached the letters I sent out and the tracking numbers as well for those letters According to the FRCA The term " invertigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. these accounts are inaccurate and according to the FRCA 15 USC 1681 everthing has to be 100 % Accurate. 

Experian Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Accounts : XXXX  XXXX XXXX, XXXX XXXX Experian letter Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX letter Tracking Number : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: MS

Complaint narrative:
Reference XXXX I have never had a car repo nor had a bad payment history with this company internal error that they refuse to fix nor with their affiliate I applied for a loan and was denied by Westlake reason for denial is repossession with Westlake or one of its affiliates but I have not had a repo with any company this is an error and they keep denying me when I had a perfect credit history with this company and was never late and paid my loan in full and closed it therefore I do not understand the denial letters I called their office on multiple occasions and they advised they have no record of repo or account not paid their records show perfect history but yet they are getting incorrect info and denying due to internal error that they refused to fix

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 2023-04-04 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: TN

Complaint narrative:
On XX/XX/2022, a credit union made a hard inquiry on my credit report. This was a mistake, as I did not give them consent to do so. I immediately contacted them, and they said they would try to have it removed. I also disputed the inquiry with Equifax. Equifax immediately denied the dispute. The credit union has tried to remove the inquiry ( with much difficulty ), and at their direction I again disputed the inquiry in XXXX ( which was again immediately denied ). The credit union notified me on XX/XX/XXXX that they did not see it appearing on their end any more. However, I checked my credit report on XX/XX/XXXX, and the inquiry is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: WA

Complaint narrative:
I received a credit denial letter from FNOB ( First Nat'l Bank of Omaha ) via USPS Reason for denial : My credit history could not be verified due to a credit report freeze. 

I did not request any credit from any institution, my credit is frozen.

I called FNOB, they have no record of my name, no credit application, etc. They did not want a copy of the letter, they were not interested in providing any further assistance to me. They couldn't verify the address listed in the letter to respond to. 

FNOB said the Ref # in the letter was not one of theirs. 

After I hung up I did go online and report it to their fraud dept.

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 2023-04-04 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: AES/PHEAA
State: KY

Complaint narrative:
I sent an IDR application for re-calculation over a week ago. My two other loan servicer 's have already approved my application for re-calculation. I will be paying {$23.00} a month to XXXX. AES is trying to make me pay {$130.00} a month. AES is telling me that after re-calculation, it will take 1-2 billing cycles for my new payment to go into effect. I emailed AES and told them that I can not afford to pay {$130.00} a month. I think they are trying to cause my loan to go into default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates _ XXXX and charge for {$290.00} I recently discovered two charges on my credit report, published by XXXX XXXX, totaling approximately {$200.00} and {$1500.00} respectively. These charges are fraudulent and were disputed via XXXX XXXX in an attempt to have them removed. However, disputing them reset the timer on their reporting, resulting in them being published as new on my report for an extended period. This however, should not have occurred since the processing went through XXXX. 

In an effort to resolve this issue, I reached out to Portfolio Recovery through certified mail on XX/XX/2022, requesting information regarding the issuing party and proof of my ownership of the disputed charges. Unfortunately, I have not received a response from them. I have also sent two emails in XXXX, but they remain unanswered. 

It seems that Portfolio Recovery is aware that the charges are fraudulent but has failed to respond to my attempts to clear my name. As these charges are affecting my credit score, I am requesting that they be dropped from my report immediately. 

Thank you for your assistance in resolving this matter.

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

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 XXXXXXXX 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 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 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 2023-04-04 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. 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 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 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 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 2023-04-05 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
DEBT COLLECTOR IS CLAIMING I OWE THIS DEBT I HAVE NEVER HAD ANY ACCOUNTS WITH THIS DEBT COLLECTOR.

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

Complaint narrative:
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 Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) + 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 report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of 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 explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has blocked my account and I cant access it or use the funds I have in it. As I dont live in the US its impossible for me to visit a branch to solve the issue, Ive tried calling more than 20 times and nobody offers any solution. When the account was opened I was promised I would be able to solve any issue via phone or app and this has not been the case, I am in urgent need to access the account as I need the funds and to be able to make transactions with the account, thats why I opened it and I have not been able to use it.

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 2023-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Purchased the home located at : XXXX XXXX XXXX, XXXX XXXX, TX XXXX in early XXXX of XXXX. During that time, I, XXXX XXXX XXXX, had gotten sick in XXXX and I reached out to the company for assistance. As we were making our payments, we were denied a modification and were forced to do a short sale on the property in which we had a realtor involved. The realtor was in the process of submitting all the necessary documents for the short sale and due to negligence from Wells Fargo, they foreclosed on the property prematurely. I believe that we were wrongfully foreclosed on due to their unethical practices. We were trying to get the foreclosure reversed and we were speaking to upper management and all they said to us was that they apologized. Since then, there has not been any reporting of foreclosure on any of the homeowner 's : XXXX XXXX and XXXX XXXX 's credit report. I strongly feel that we should be part of the ongoing lawsuit against Wells Fargo for their unethical practices and their banking violations. If you have any other questions or need any additional information please contact me at : 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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX Re : Fraudulent Account To Whom It May Concern : I need you to correct the following inaccurate shown items in this letter which contains data taken directly from my credit report which you have provided. This account is fraudulent and should be removed immediately. 
- XXXX account number XXXX Opened XX/XX/XXXX Delete this unconfirmed account lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S code 15 U.S.C 1681 ET SEQ. Section 604 of fair credit reporting act. 

I have supplied FTC Report Number XXXX for reference. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 

Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation