vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I reinstated my conventional loan with XXXXXXXX XXXX, who had previously filed foreclosure. I got behind because of been laid off due to COVID. 
I wired the full reinstatement amount ( see exhibit 'A ' ) which included the XX/XX/XXXX payment and cost & attorneys fees. I have made all payments due since XXXX XXXX present. ( see attached 10 payments ) XX/XX/XXXX has been paid but not available on my statements as yet. 
XXXX is alleging amounts owed from the foreclosure that would be classified as fees, and are being challenged by me. Let me be clear, fees & cost are NOT regular mortgage payments and can not be reported as past due mortgage payments. These amounts have been previously paid and are being challenged by the consumer as shady and questionable business practices.

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 2023-02-22 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: NJ

Complaint narrative:
I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

Accounts List As Follow : XXXX XXXX # XXXX - {$130.00} XXXX XXXX # XXXX - {$79.00} XXXX XXXX XXXX # XXXX - {$290.00} XXXX XXXX XXXX # XXXX - {$790.00} XXXX XXXX XXXX XXXX - {$1800.00} XXXX XXXX - {$710.00} XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX - {$370.00} XXXX XXXX - {$290.00} XXXX XXXX - {$50.00} XXXX XXXX - {$79.00} In accordance with the Fair Credit Reporting act XXXX these accounts 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 an account without my written instructions 15 U.S.C 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 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Inquired about the collections that are reporting to the bureau, Information was provided without proven identify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
I have sent my dispute to Equifax two times during the last couple months including complaint to CFPB, but Equifax keep telling me that they have not received my documents such as my verification documents, they also have mentioned that CFPB didn't send them any documents eve though these documents have been included to my previous complaint through CFPB. 
Equifax has refused to remove fraudulent hard inquiries from my report and refer them as a XXXX XXXX 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. Equifax has attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file : XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX. 
I have included in this complaint a copy of my FTC report, copy of my Driver License, copy of my SSN, proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have had multiple loans with XXXX in which I have paid multiple loans off in full. I will attach all paid off letters directly from XXXX  validating this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got behind on all payments and all of my accounts indicated that if you had XXXX  they offered various types of relief. I wasnt able to get any relief but as soon as I returned to work I paid off account after account and now my remaining two accounts are current, one was sent to collection as charged off which will be paid next week also in full. I filed a dispute with XXXX to update the account on my credit to paid as agreed and it was denied. I tried contacting XXXX, they wont respond. I want the paid off loans updated on all my credit reports. This is impacting my credit score greatly affecting my ability to access credit or buy a home as I am trying to do currently.

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 2023-02-22 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: OR

Complaint narrative:
I have had multiple loans with XXXX in which I have paid multiple loans off in full. I will attach all paid off letters directly from XXXX  validating this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got behind on all payments and all of my accounts indicated that if you had XXXX  they offered various types of relief. I wasnt able to get any relief but as soon as I returned to work I paid off account after account and now my remaining two accounts are current, one was sent to collection as charged off which will be paid next week also in full. I filed a dispute with XXXX to update the account on my credit to paid as agreed and it was denied. I tried contacting XXXX, they wont respond. I want the paid off loans updated on all my credit reports. This is impacting my credit score greatly affecting my ability to access credit or buy a home as I am trying to do currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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:
Recently I did an investigation on my credit report which caused anxiety beyond belief. I found information that was unverifiable, invalidated, inaccurate, and highly questionable that the agencies didn't make sure it was reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I have requested investigations into these accounts on the following days only to have them still remain on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

XXXX XXXX XXXXXXXX Case or ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXX XXXX XXXXXXXXXXXX XXXX  or ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX acct * XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX acct XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX acct * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX 15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : 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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In XXXX I noticed a collection account on my credit and that it indicated the account was opened in XXXX of XXXX. It indicated the collection was for a balance due for car insurance via XXXX XXXX. I have been insured by XXXX insurance company since XXXX when I moved to XXXX. My previous insurance company was XXXX and before that I had XXXX. Therefore it is impossible for me to have opened any account with XXXX XXXX in XXXX. It has been well over 5+ years since I had insurance via XXXX XXXXl and when I canceled the insurance and went with a different carrier, there was no balance. I requested all credit reporting agencies remove this and that request was denied. This account balance, opened date, all incorrect.

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 2023-02-22 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: OR

Complaint narrative:
In XXXX I noticed a collection account on my credit and that it indicated the account was opened in XXXX of XXXX. It indicated the collection was for a balance due for car insurance via XXXX XXXX I have been insured by XXXX insurance company since XXXX when I moved to XXXX. My previous insurance company was XXXX and before that I had XXXX. Therefore it is impossible for me to have opened any account with XXXX XXXXXXXX  in XXXX It has been well over 5+ years since I had insurance via XXXX XXXXXXXX  and when I canceled the insurance and went with a different carrier, there was no balance. I requested all credit reporting agencies remove this and that request was denied. This account balance, opened date, all incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX5 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 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 2023-02-22 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: TX

Complaint narrative:
My identity was stolen and experian and XXXX  refused to take off the accounts that are not mine. I send them proof and it is still on my account.

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 2023-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XXXX, I received my annual escrow statement from Mr. Cooper mortgage company regarding loan # XXXX, for property located at XXXX XXXX, XXXX  XXXX, Texas. The statement indicated a shortage of {$3200.00}. This amount needed to be paid before XX/XX/2023 to bring the account current. On XXXX, I made an online partial payment to my escrow for {$1600.00} ( conf # XXXX ). I received an email confirmation clearly stating the amount and that the payment was designated for escrow. As a result of this payment the balance was {$1500.00}. On XXXX, I made an online payment for the balance of the escrow for {$1500.00}. I received a confirmation email stating the payment had been posted. This email was very vague in detail. It only contained the loan number and the date it was posted. IT DID NOT SHOW THE AMOUNT OF THE PAYMENT. I only noticed later. On XXXX, I check my bank account and found that Mr. Cooper had deducted {$3100.00} from my account. I called Mr. Cooper and spoke with XXXX who stated that the balance of my escrow AND my XXXX mortgage had been deducted from my account. We did a XXXX call with my bank and had the money refunded. I then went back onto Mr. Cooper website to pay the escrow balance of {$1500.00} only to find that the balance was {$2700.00}. I could not get an acceptable explaination from XXXX. When asked to escalate the issue, XXXX told me it would be XXXX hours before my call would be returned and that I would get the same explaination he gave. This is not passing the smell test. Something fishy is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: American First Finance, Inc.
State: NV

Complaint narrative:
This company, American First Finance, calls me repeatedly from multiple phone numbers and before XXXX. 
For example : Today ( XX/XX/23 ) - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX Between the dates of XX/XX/23 - XX/XX/23 I have received XXXX phone calls from this company, XXXX of which were before XXXX. 

I submitted a complaint to the XXXX  for changing my amount owed and ultimately scamming me, and they have been harassing me with these continuous calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me the Transaction History Report that I requested from them a few weeks prior. I requested the report because I believed there existed errors in the balance shown on my credit report, and in the letters they were sending to me in attempts to settle the account for my repossessed XXXX XXXX XXXX ( repossessed in XXXX of XXXX ). After reviewing the account transaction history for the first few payments on the loan ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I noticed that the amounts I was charged for interest was too high. Additionally, there was a random fee of {$7.00} for the month of XX/XX/XXXX. The customer service representative who I spoke with for more than XXXX hour was unable to explain to me the reason for that fee or other codes and extraneous fees on the Transaction History Report. 

She stated that I was going to be speaking with the 'President ' of her department, but she refused to specify the unit within XXXX XXXX that this 'President ' would be representing. Needless to say, I was never able to speak with that person, although I was on hold for an extended period of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
It was multiple dates they overcharged my car for every atm transaction which was doubled. Ive banked with Wells Fargo for like XXXX  years and when I asked them about the double transactions fees they said it was the atm or I could goto an Wells Fargo bank and there wouldnt be any fees at all but theres no well Fargo in my area.. but now that I use another bank and closed that account I still go to the same atm and not being double charged almost XXXX per transaction

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 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brennan & Clark, Ltd., LLC
State: WI

Complaint narrative:
I closed my two XXXX  accounts on febraury XXXX after going back and fourth for a few months with the service representatives about closing my accounts. I contacted the client service manager about the what was going on ; She finally closed my accounts out for me and the balance was at XXXX she stated on XX/XX/2023. Then I got charged XXXX from the 401k department on XX/XX/2023. So I emailed the client service manager back and asked about the charge. She said that I would have to contact the 401k department about the charge. So I called them on XX/XX/2023 and asked could I be refunded my XXXX because I was no longer with XXXX ; I dont want to do services with XXXX because of the horrible customer service. The customer service representative said that he would email me the paperwork to terminate the 401k in two days. I got an email on XX/XX/2023 and it said that I had to pay the XXXX to terminate the 401k. I emailed the customer service agent back and said I dont want your services anymore. I just want the service terminated I dont need a 401k from you all. The customer service representative sent me an email today saying that he couldnt help me with anything that I was asking for. They are refusing to terminate my services because they want to keep charging me the XXXX every month. Today I also received an email from a debt collection called Brennan and Clark from XXXX XXXX Illinois they sent me an email saying that I owe XXXX  XXXX. I dont owe XXXX  anything because my balance was cleared when I closed my accounts on XX/XX/2023. I called them today which XX/XX/XXXX and asked the customer service representative about the email I received today on XXXX XXXX from the debt collection agency Brennan and Clark from XXXX XXXX, Illinois and the service representative said that she couldnt help me because it had already been sent to a collection agency. XXXX sent my account to collection in order to tarnish my credit report because I reported them in for overcharging me. What they are doing is wrong and I want nothing to do with XXXX  services. I feel as though I am being discriminated against by XXXX because I spoke up about the unfair treatment I have been receiving from the awful this company.

Company response to consumer: Closed with explanation