vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 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: SC

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 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 XXXX 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 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-11-08 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: FL

Complaint narrative:
Hi, I have been requesting for these inquiries to be removed since this might be the cause of the XXXX data breach. I already mentioned before that I don't know anything about these but you keep on ignoring my requests. I already filed a report to the FTC about these and it will be investigated. Please remove them from my report while they are doing the work.

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 2022-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: DISCOVER BANK
State: MA

Complaint narrative:
My loan was originally signed in XXXX and XXXX for the amounts of {$18000.00}, {$24000.00} and {$24000.00}. Each loan balance is well above {$50000.00} at this point. Illegal fees interest has been applied to my loan done by Discover Student Loans and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: FL

Complaint narrative:
I've reached out to this company several times via phone mail and fax advising them they are breaking the law by reporting my private personal information to the public without my consent or knowledge. According to 15 U.S. Code 1681b they have no right to report my information without permissable purpose. I never gave any written consent to report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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:
I've reached out to this company several times via phone mail and fax advising them they are breaking the law by reporting my private personal information to the public without my consent or knowledge. According to 15 U.S. Code 1681b they have no right to report my information without permissable purpose. I never gave any written consent to report this information.

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 2022-11-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion, XXXX, XXXX have violated my credit reporting allegedly failing to address my disputes during the pandemic. 

Information was reported Incorrectly from my Mortgage Company ( XXXXXXXX XXXX XXXX XXXX ). 

Pls see attached documents & articles.

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 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Shellpointe sent me a copy of their welcoming letter. Shellpoint states my loan was transferred to Shellpoint by XXXX. The letter is dated XX/XX/XXXX. XXXX XXXX was not not my previous loan servicing company. I told Shellpoint many times XXXXXXXX XXXX XXXX XXXX was my loan servicing company. Shellpoint ruined my credit for a late XXXX payment. I paid the XXXX payment to XXXX as I was told in writing by XXXXXXXX XXXX  XXXX XXXX. I asked many times for proof Shellpoint is my loan servicing company. XXXX was NOT my loan servicing company it was XXXX XXXX XXXX. Shellpoint knew this and yet continue to collect mortgage payments from me with misinformation. Shellpoint responded and said that they servicing company on a letter dated XX/XX/XXXX and mentioned the loan servicing company that was being transferred was from XXXX this is not accurate Shellpoint ruined my credit. XXXX ignored my many request to prove that they are servicing the loan company. XXXX sent me official notification that XXXX XXXX was my loan servicing company. Shellpoint saw the community notification but ignored it. 

Shell points response was that XXXX transferred the mortgage to them I advised them many times that community loan service was my service provider not XXXX Shellpoint also asked me to contact community loan service to prove that Shellpoint is my new loan provider. XXXX told me to pay XXXX XXXX in writing not to Shellpoint. 

Shellpoint sent a Copy of a letter that they say was sent on XX/XX/XXXX Shellpointe requested payment on XX/XX/XXXX. I told Shellpoint that I paid XXXX XXXX as instructed by XXXX XXXX XXXX. 

Shellpoint ruined my credit. Shellpoint took mortgage payments without any proof that community transferred the loan to Shellpoint. Shellpoint didnt even provide me proof that XXXX XXXX transferred my loan to Shellpoint. I did not receive any letter from XXXX telling me to pay Shellpoint, because XXXX was not my loan servicing company. Shellpoint knew all this and still took my mortgage payments without any proof they are my loan servicing company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ria Envia, LLC
State: PA

Complaint narrative:
On XX/XX/2022 I went to Walmart, store # XXXX and wanted to cash a small check which they do, and wanted to add money to my debit card through their bank, which is XXXX bank. They said at the cust. service that all those transactions are down, and are always down, and their company will not upgrade their software!!!!!!!!!!!!!!!!!!!!!! And this is happening ALOT!!!! I had to drive to the actual XXXX bank, ( because this one did not have a XXXX bank in it!! Which it shoud by the way!!! ) And I had to drive over 30 mile round trip to deposit money!!!!!!!!!!!!!!!!! I called their cust service line through their corp office, was supposed to get a call back from a supposed marketing manager a week ago, nothing!!! I want to be given a gift card from them to compensate for all the gas I had to spend to deposit money on my debit card, and to cash a check!!!!!!!!!!!!!! 
They need to be thoroughly investigated by the law NOW!!! THEY HAVE NO EXCUSE FOR NOT UPGRADING THEIR SOFTWARE FOR MONEY TRANSACTIONS, THIS IS A QUOTE FROM ONE OF THEIR EMPLOYEES ACTUALLY!!! THESE RIGHT WING XXXX XXXX XXXX  RIP OFF ARTISTS SHOULD BE FINED TO THE MAX!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: FL

Complaint narrative:
I did not open this account. I have tried to call and report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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:
Hi, I have been requesting for these inquiries to be removed since this might be the cause of the XXXX data breach. I already mentioned before that I don't know anything about these but you keep on ignoring my requests. I already filed a report to the FTC about these and it will be investigated. Please remove them from my report while they are doing the work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
They have refused a check from the state HAF program. For my past due amounts and now, as of XX/XX/2022. They have suspended a check or canceled a payment for the Program as sent on XXXX for the amount of XXXX. 
I have called both the HAF program and the mortgage company and have received XXXX different answers about my past due and current payments I have been approved for XXXX months of mortgage payments. The payment was excepted in XXXX and 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 2022-11-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX, Equifax, XXXX have violated my credit reporting allegedly failing to address my disputes during the pandemic. 

Information was reported Incorrectly from my Mortgage Company ( XXXXXXXX XXXX XXXX XXXX  ). 

Pls see attached documents & articles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX, XXXX, Experian have violated my credit reporting allegedly failing to address my disputes during the pandemic. 

Information was reported Incorrectly from my Mortgage Company ( XXXXXXXX XXXX XXXX XXXX ). 

Pls see attached documents & articles.

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 2022-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The company lowered my monthly payment from {$290.00} to {$50.00}, thereby extended my repayment date by over XXXX years. I am XXXX months away from full repayment, and they want to add XXXX years and collect roughly an extra {$500.00} in interest! I did not request this. This is nefarious and a desperate way to collect more interest from someone about to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Hello, To tell you that I have never received a notification of an outstanding debt from the pediatrician. 

I have received this bill without being aware of an outstanding debt. 


Please your support to be able to cancel this debt. 

Thanks.

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 2022-11-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: MI

Complaint narrative:
I am reaching out because I have an inaccurate item on my credit and it does not belong to me and I would like it to removed because it does not belong to me In accordance with Fair Credit Reporting Act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I believe a credit card closed due to fraud use was used by XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX claiming I purchased clothing from them. I never heard of the company until I received a statement claiming I owed XXXX # they gave XXXX XXXX XXXX XXXX. No date of purchase or items listed sizes etc was given as to proof of purchase? I have attempted to contact them to no avail. This is now lowering my credit score and would like you please to look into it. 
Thank You PS my first name is mis-spelled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX. I am a XXXX XXXX XXXXXXXX veteran the credit reporting company 's like XXXX, XXXX and Experian have misused my credit report. My identity has been misused and they haven't removed or deleted any inaccurate information from my credit report. i have sent them proof of my address and i have sent them my police report and bank statements. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

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 2022-11-08 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: NC

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: NC

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I was approved for the Homeowner Assistance fund of Florida to make my mortgage payments for XXXX XXXX I have had problems with the mortgage company applying the mortgage payments to my account. At one point, a representative by the Name of XXXX XXXX assisted me in rectifying the mortgage account, but now the same issues are happing to my account again with payments not being applied ( XXXX and XXXX XXXX XXXX  ) and I am getting letters from the mortgage company about late payment.. I have called XXXX XXXX several times time over the past two weeks without any response for assistance with rectifying this mortgage payment matter with any return phone call. XXXX 's payment has not posted as of yet and the last time this happened, I had to make the mortgage payment on the last day of the month in XXXX XXXX XXXX with money I did not have and it took over 30 days to resolve for Loancare to locate the payment by HAF, refund me and apply the payment properly. This can not happen again. Thank you

Company response to consumer: Closed with explanation