vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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: FL

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 Account XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: FL

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 Account XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-06-12 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: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I have made several dispute about Portfolio Recovery Associates LLC with XXXX, XXXX, and XXXX on reporting inaccurate information on my consumer report. The consumer reporting agencies stated that they properly investigated my account with Portfolio Recovery Associates on these XXXX accounts. 

The first XXXX # XXXX for {$350.00}, last active date or to be removed on XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX, XXXX no data. 

Second acct # XXXX for {$640.00} Last active date or to be removed on XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX. 
I didn't give my consent to report on my consumer report to Portfolio Recovery Associates and didn't have validation of debt sent me as I requested a long time on XX/XX/XXXX. I did not receive notice and disclosure from Portfolio Recovery Associates until after I dispute the debt in XXXX. Received a threatening letter for judgement and disclosed my private information to third parties. 

Portfolio Recovery Associates LLC already have been ordered by CFPB but they continue to violated my rights. 

They have violated my rights and since my consumer report is inaccurate and incomplete I demand immediately deletion from my consumer reports. See proof below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I try in some many ways to work with my lender. in 2022 we sent so many applications but it seems that the investor which is chase as well, cant even raise the payment so we can at least we can keep our property and continue with the mortgage payments. The reason of denials are unfair and are not based on our income expenses or debts. We were never given a breakdown of the income expenses and debt that were consider for the decision. The house is where my mother lives and after the death of my father during COVID-19 pandemic my mother began to fail with XXXX so im taking care of my mother and my name and my husband are in the note as well as my mother. We try to show our income and that we are capable to continue with the mortgage payment but chase just wants to foreclosure on our home. We try to work with the state but now the balance is avobe the limit and the state relief program cant work with us. The past due balance is now {$110000.00}. 

Please help us do something

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity 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 explanation
Consumer complaint received 2023-06-12 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:
They reported that I was 60 days late to pay. I was never late for my lease. They offered a settlement for the remainder of the lease over mileage and I paid it. If I knew that it would affect my credit score I would have paid the whole amount.

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 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX. 
Caine and Weiner have responded and agreed to remove incorrect information from my Wife 's credit report see CFPB complaint ID number XXXX as of XX/XX/2023. My complaint is the same see below : We previously resided in XXXX XXXX XXXX XXXX XXXX. We moved to XXXX in XX/XX/2023. We used to have XXXX XXXX XXXX XXXX XXXX in XXXX. Shortly after moving to XXXX we asked XXXX to transfer our insurance to XXXX state. But they said they couldn't cover the type of insurance that we needed in XXXX. So we canceled with XXXX and moved our business to XXXX. I called XXXX since it was half way through the month and spoke with XXXX XXXX. Since XXXX sent us a reimbursement check for our homeowners insurance but we were awaiting what would happen with our auto insurance policy for our company vehicle. I spoke with XXXX and they said there was a XXXX amount outstanding and that I couldn't dispute a cancellation charge since it had already gone to a collection company!!! About a week or so later i received a letter from a company called Caine and Weiner and i was absolutely shocked we had been treated like this by XXXX. So I made the payment which included a cancellation fee, rather than waste any more energy disputing. I have just received my credit report and I am absolutely disgusted that a company can tarnish your whole report based on nothing! In any other country this would be illegal. Please remove this otherwise I will contact a consumer protection attorney for misuse of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I received XXXX calls from the number listed on the official Wells Fargo website ( XXXX ). The first I did not pick up, but when I picked up the second time, the agent claimed my funds were at risk of being stolen. In order to protect them, I immediately needed to wire transfer my money to a secure Wells Fargo account. 

On the same day, I returned a call to Wells Fargo and was informed that the transfer was fraudulent. On that same call, I filed a claim and was told a reverse wire would be requested upon my submission of the claim. 

The fraudulent transaction robbed me of my entire savings and checking accounts. They informed me that the case would would be resolved in XXXX days, and that I would receive a call the evening of the XXXX to discuss the case. I did not receive a call that evening, and I called the number they provided for me ( XXXX ) on XX/XX/XXXX. No one answered. I called again on XX/XX/XXXX and was told that XXXX of my reverse wire transfers was only submitted today ( on XX/XX/XXXX ). My call on this day was transferred back and forth between the Wells Fargo customer service extension and their fraud extension with the intention of receiving more information, but I was told I would need to wait the full XXXX days before receiving more information on my case.

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 2023-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-12 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
In accordance with the fair credit reporting act Kia Motor Financial account. Account # XXXX, had 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 an account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
I have identified inquiries on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which us consider identity theft : INQUIRIES : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my ftc report and police report case number.

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 2023-06-12 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: Cascade CISS Holdings, LLC
State: PA

Complaint narrative:
After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity 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 explanation
Consumer complaint received 2023-06-12 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: Grow Credit Inc
State: VA

Complaint narrative:
Grow credit Inc agreed to remove all reporting late payments from my credit reports and they told me to wait and that they submitted the request to the Credit Bureaus and to wait for them th o remove them I have contacted the bureau about when will they remove the info that was requested tk be removed and all XXXX bureaus told me that the removal of account or account info is not done on there end so I contacted grow credit Inc and they told me that its not done on there end so I have been waiting for to long for the removal of the late payments that were agreed to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
My credit file shows a collection from your agency. I was never notified of this collection. 
Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: GA

Complaint narrative:
XXXX reported me as late for XXXX and XX/XX/2023 for a missed payment in XXXX and that is incorrect 100 %. My personal account was overdrawn briefly due to another company and meanwhile nothing was able to come out of my account. XXXX, sent me a message stating that I missed a payment and I had 60days to pay before it is reported as late. I logged into the app and made a payment well before 30days to assure myself. It is XXXX and they have taken 6 payments out my account since XXXX meaning that XXXX was paid. Out of 6 payments why wasn't XXXX deducted from XXXX of them or when I logged in to pay via app. I spoke with them, and they advised me it was nothing they could do to fix the mistake and to contact the bureaus. I did and XXXX said the information was accurate, but it can't be because I have proof the payments came out my account. Please help me update these payments XXXX current and not late. 

15 USC 1682 Section 604 A states a consumer reporting agency can not furnish an account without written instructions.

15 USC 166B also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

They not only improperly reported me, they also broke the law.

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 2023-06-12 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:
XXXX reported me as late for XXXX and XX/XX/2023 for a missed payment in XXXX and that is incorrect 100 %. My personal account was overdrawn briefly due to another company and meanwhile nothing was able to come out of my account. XXXX, sent me a message stating that I missed a payment and I had 60days to pay before it is reported as late. I logged into the app and made a payment well before 30days to assure myself. It is XXXX and they have taken 6 payments out my account since XXXX meaning that XXXX was paid. Out of 6 payments why wasn't XXXX deducted from one of them or when I logged in to pay via app. I spoke with them, and they advised me it was nothing they could do to fix the mistake and to contact the bureaus. I did and XXXX said the information was accurate, but it can't be because I have proof the payments came out my account. Please help me update these payments XXXX current and not late. 

15 USC 1682 Section 604 A states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 166B also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

They not only improperly reported me, they also broke the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, NAVY FEDERAL CREDIT UNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. NAVY FEDERAL CREDIT UNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: Selene Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Have now been retained as attorneys for Plaintiffs XXXX XXXX XXXX and XXXX XXXX XXXX for improper use of credit report and several accounts of RESPA violations. 

Selene Finance have violated plaintiffs privacy The law states The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 2023-06-12 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: CITIBANK, N.A.
State: NE

Complaint narrative:
I was never contacted or communicated about this debt account being charged off. When I disputed this account with XXXX the creditor returned and updated information therefore admitting error on their original credit reporting. The account was never removed as per my request in the original dispute. The collection agency never reached out to contact me about the debt. When I called to find out how to solve this debt, it had been sent to an attorney. Calling the office took more than XXXX calls to reach a person and so I emailed them stating my issues with the debt and never received a reply back for over XXXX days.

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