vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following inquiries. I have no knowledge of obtaining any of the inquiries listed here. It is caused by fraud. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
I am filing a dispute to have the negative reporting from the Augusta Collection Agency removed from my XXXX and XXXX XXXX credit reports. XXXX and XXXX XXXX credit reports refused to remove this information from my credit reports. Last week, I spoke with someone from Augusta Collection Agency/XXXX XXXX XXXX XXXX and they said they will not remove this balance of {$2500.00}, from my bureau of credit reports . This account is being reported as an Account Type : Unknown, Acct # : XXXX, Date Opened : XX/XX/XXXX, Last Activity : XX/XX/XXXX ; Collection ; High Credit : {$2500.00}, Past due : {$0.00} ; Balance : # XXXX. This is a medical bill that has been paid by my health insurance company. 
After conducting my research, I found that the balance reporting of {$2500.00} was when my daughter, XXXX XXXX, was transported to the children hospital at Augusta University XXXX XXXX XXXX XXXX ambulance on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX health insurance company regarding the balance of {$2500.00}. XXXX stated that XXXX XXXX XXXX XXXX XXXX submitted in the amount of {$2400.00} in XXXX, and they paid the balance in full, {$2400.00}. XXXX stated that they paid the claim that was submitted. Please review attachment from XXXX where they paid XXXX XXXX XXXX ambulance service in full. Please remove XXXX XXXX XXXX XXXX XXXX XXXX from my bureau credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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:
This complaint to the EQUIFAX was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My account was restricted for no apparent reason. When I called Capital One, they said someone would contact me within 7-10 days. I have no idea why the account is restricted or what happened to cause the restriction. When I called in, they all gave me the general run around to wait 7-10 days. I find this extremely abnormal as I am able to call any other credit card company to clear this within hours. There was absolutely no communication from Capital One before they locked my account and there has still been no communication from there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC.
State: MD

Complaint narrative:
I applied for the MD HAF program. MD Homeowners Assistance Fund in XXXX of XXXX. I submitted all my documents to the MD HAF program. MD HAF requested documents from my Loan Servicer Guaranteed Rate on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX. I've called Guaranteed Rate several times and was told that the documents were sent to the MD HAF program. MD HAF has stated that Guaranteed Rate has not sent the required documents requested as of yet and MD HAF has requested the documents be sent from Guaranteed Rate on multiple occasions. Guaranteed Rate is delaying the processing of my MD HAF application in order to prevent foreclosure. Due to Guaranteed Rate and the lack of response by not replying to MD HAF in a promptly matter on the several dates requested for the documents to be sent this is delaying the processing of MD HAF application and this is adversely affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: CCS Financial Services, Inc.
State: AR

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with an account listed as Credit Collection Services and validation was requested in the form of a dispute on XX/XX/2023 as this was an account that I did not recognize. I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XX/XX/2023 ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: MI

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 1681XXXX XXXX XXXX  have 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.

9,102

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 2023-03-24 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.

Complaint narrative:
I applied for mortgage for house. When my credit report was pulled, my score was showing very low because someone else information was there on my credit file who has accounts in collection. I filed dispute and get response that issue will be resolved in 1-5 business days. Its 10 day today and issue is still there. I had payed {$20000.00} already as a deposit. I have loosed this amount because of Equifax XXXX. Because they were not able to fix it. Every time i call them they have a different reply. Even they don't have any physical office where i can visit .how come they have not aware that there are 2 person on one credit file. How they can be so stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This company has flagged my credit report with three separate collection accounts in the amounts of {$430.00}, {$280.00} and {$430.00}. After disputing these accounts on three occassions, the company has continuously updated the information for each account, changed dates, changes amounts, and has flagged them as unpaid revolving accounts. 

I have never received any notice from Commonwealth financial regarding any of these debts. I have no unpiad medical bills. And medical collections under {$500.00} are not to be reported regardlesss. 

I have not validated any alleged debt with Commonwealth Financial Systems, Incorporated and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 

I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems, Incorporated any right to collect on this alleged debt in violation of 15 USC 1692g.

I have never received any documentation making me aware of this debt or requesting validation from Commonwealth Financial Systems, Incorporated, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d which the FTC defines as debt parking.

If Commonwealth Financial Systems, Incorporated, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, Incorporated, can provide me with sufficient documentary evidence that I have any legal obligation to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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. 15U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX has XXXX XXXX XXXX reported as 2 late payments and I was never late. 15 US 1681B NO PERMISSION I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 U.S.C 1681i ( 5 ).

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and TransUnion did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three reports. Which is a violation. This is causing me financial injury and impacting me from buying a house.

I've attached my letters and their response.

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 2023-03-24 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: CA

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: IN

Complaint narrative:
XX/XX/XXXX 36-month lease obtained with US Bank , Purchase price of {$56000.00}. Put down {$15000.00}. 
XX/XX/XXXX Vehicle totaled in accident that was not my fault. 
XX/XX/XXXX Called to obtain payoff amount to use in negations with insurance company for settlement purposes. 
XX/XX/XXXX Received letter ( confirming phone conversation on XX/XX/XXXX ) that my payoff was {$45000.00} ( reasonably believed based on my down payment ) XXXX - Accepted settlement with The XXXX, they requested payoff directly to issue check. 
XX/XX/XXXX - The XXXX received a fax stating payoff was {$53000.00}. 
XX/XX/XXXX - I'm still waiting on an answer after multiple attempts at contacting for an explanation. 

I have called multiple times and their " Loss Department '' and they refuse to speak to consumers. They will only speak to Insurance Companies. I can get no explanations on how they can possibly determine that {$53000.00} is what I still owe. I have put multiple negative reviews on XXXX and that got riled enough to send a " response '' letter but that still did not address the issue.

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 2023-03-24 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: FL

Complaint narrative:
I had two account with XXXX XXXX reporting on my credit report. One account # XXXX and was for the amount of {$1600.00} and the other was for {$800.00} ( I had to call today to get the account number ), account # XXXX. I reported to XXXX that I never received a bill for this debt or phone calls advising of the debt. The debt came back as verified and no action was taken. I discovered an email in my spam folder containing an offer to settle account XXXX some time after it appeared on my credit report and I submitted my complaint. So, I visit the website and they have an apartment number and a unit number for my address. And a phone number that I do not recognize. So, I know Id didnt provide this on the intake paperwork at the hospital. The address was listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, fl XXXX and phone number ( XXXX ) XXXX. I called today to XXXX XXXX to get the account number for the 2nd account so I could see what was listed as the contact information on it. I was provided account number XXXX. I logged an it shows my address this time as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX and phone number ( XXXX ) XXXX. So, Im not sure how these came back verified and the intake forms should be able to be confirmed. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX and my phone number is ( XXXX ) XXXX and has been for over 5 years. Account XXXX was removed because it is now a paid medical debt but should never neither should have been added in the 1st place. Please help.

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 2023-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX  XXXX finance my home. I applied for the COVID-19 mortgage assistance in XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX ). I signed the third-party authorization form for XXXX to process my request. XX/XX/XXXX, my application was approved for 12 months of mortgage payments up to {$50.00}, XXXX toward my loan. XXXX begin submitting payments in the amount {$1800.00} on my behalf to XXXX XXXX  XXXX XX/XX/XXXX. On XX/XX/XXXX, my mortgage loan was transferred to Specialized Loan Services LLC XXXX ID XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX Fax : XXXX. 

I have filed previous complaints regarding SLS Mortgage failure to provide XXXX Information to resume my mortgage payments and correcting my credit report at the Credit Bureaus. After 6 months of call and submitting numerous complaints, SLS MORTGAGE finally provided the requested information to XXXX. 

Unfortunately, I am still experiencing problems with SLS Mortgage. The mortgage company is not posting my AHFA payments ( on my behalf ) to my mortgage account. According to XXXX, on XX/XX/XXXX ( attached ), their office processed and submitted my mortgage payment in the amount {$1800.00} via Wire to SLS Mortgage for my XX/XX/XXXX payment. As of this writing, my XXXX XX/XX/XXXX payment has not been applied to my account. I have contacted their office numerous times and requested an investigation to locate and post my XXXX XXXX payment to my accounts. However, the issue has not been resolved and I am getting numerous phone calls from SLS Mortgage regarding my XX/XX/XXXX payment that they have received from XXXX but failed to post to my account. 

I am contacting your office for help to get the issue resolve so that to bring my loan current. Thank you,

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 2023-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reporting is very inaccurate. The account has been closed back in 2018 and it still shows the payment OK status which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: 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. 

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 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 tha
t 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 2023-03-24 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation