vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NJ

Complaint narrative:
An accident occurred on XXXX involving two vehicles, one which was my property and the other that belonged to a XXXX insurance client. both our testimonials contradict the other but there has been no police report and no in person evaluation of the accident that occurred that day. I had a chance to speak to an insurance agent who explicitly explained that there was no type of evidence, digital or testimonial that could support or give advantage to either party. I was recently contacted by a company called afni, who on behalf of XXXX XXXX informed me that I may be liable for payments XXXX  has made to its policyholder. Approximately {$2000.00}. Both of these companies have failed to provide significant evidence that indicates my liability for this debt. I was also informed of the probability of legal action in my turn and would like your assistance in ceasing the situation. 

Thank You. Along with this I have attached a copy of the letter that I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted CFPB complaints to Experian on XX/XX/2022, XX/XX/2022, as well as a XXXX XXXX XXXX  Complaint on XX/XX/2022, and a FTC complaint on XX/XX/2022. I've also mailed numerous written disputes to Experian via certified mail, online via Experian 's website, and over the phone with Experian to no avail. On XX/XX/2022, Experian received and signed for a notice requesting the method of verification they used to reinvestigate my disputes, and I've yet to receive that information. Pursuant to 15 USC 1681 ( a ) ( 3 ), assumed their role in assembling and evaluating consumer credit and other info on consumers, I never gave Experian permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian 's consume report about me is unfair & impartial because I was never consulted to verify if the information was accurate or if even wanted the info reported at all. Experian hasn't exercised their grave responsibilities as evidenced by the hundreds of inquires they've allowed into my consumer report, as well as the continuous reporting of unverified accounts on my consumer report. Experian has shown a complete lack of respect for my right to privacy, by reporting these accounts and inquiries without my consent & written instructions. These actions by Experian are also violations of the Gramm-Leach-Bliley Act, referenced by 15 USC 6801 and 15 USC 6802.

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax have violated my consumer rights by furnishing inaccurate information on my credit report. 15 USC 1681a ( 3 ) Congress made it clear that consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave them permission and they did not exercise their grave responsibility, they were unfair, impartial, and most importantly did not respect my right to privacy. I never provided them with written instructions nor gave my consent for them to furnish any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX DID NOT HAVE MY CONSENT OR A PERMISSABLE PURPOSE, AND DID NOT RESPECT MY RIGHTS TO PRIVACY, TO FURNISH OR CREATE THE REPORT THAT THEY SENT TO THIRD PARTY AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022 XXXX PM Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Contacted Truist XX/XX/2022 prior to payoff of mortgage. ( spoke with XXXX ) Contacted Truist XX/XX/2022 to validate all info was correct to expedite escrow refund check before funding. Customer service rep was to call back to confirm. No response. 
Contacted Truist XX/XX/2022 sent all proper documents to special loans dept and was told they would reach out to me and confirm. No response. 
Loan funded and mortgage completely paid on XX/XX/2022 Contacted Truist XX/XX/2022 to check status-I was disconnected Contacted Truist XX/XX/2022 email sent to his supervisor ( spoke with XXXX ) and no response from supervisor Contacted Truist XX/XX/2022. 1st check was sent on XX/XX/XXXX, XXXXnever received. 
Going to research what happened to 1st escrow refund check and send out 2nd check Contacted Truist XX/XX/2022. Spoke with XXXX. 2nd refund check sent XX/XX/2022 and should take XXXX business days. 
Contacted Truist XX/XX/2022. 2nd escrow refund check actually sent XX/XX/2022. XXXX makes numerous notes Contacted Truist XX/XX/XXXX, XXXX escrow refund check never received. Will submit another research request for XX/XX/2022 and will contact me via phone call or email confirming result of research-never received call or email from Truist about 2nd escrow refund check Contacted Truist XX/XX/XXXX, XXXXspoke with XXXX. Checking on getting check at local branch. Will send 3rd escrow refund check with tracking number. Will call back with tracking number or have supervisor/mortgage dept email me. Again-no response Contacted Truist XX/XX/XXXX, XXXXspoke with XXXX. Took numerous notes, tried to contact supervisor with no success, filed a complaint, and said a supervisor would contact me within XXXX hours XXXX XXXX, XXXXno response from Truist

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 2022-08-05 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: GA

Complaint narrative:
Identity theft I contact the bureau and creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2022 I was made aware that my identity was stolen. 

I attempted to review my Equifax Credit report at https : //www.annualcreditreport.com/ After entering my details into the Equifax identify verification form, Equifax 's website said : " We can't complete your enrollment at this time. Please call the XXXX XXXX XXXX at XXXX. XXXX XXXX is available XXXXXXXX XXXX and XXXXXXXX XXXX ET, XXXX ; XXXX XXXX and XXXXXXXX XXXX ET, XXXX. '' I called customer care to resolve the issue, but they were able to offer XXXX support regarding the website. The agent was essentially unable to understand my request and instead submitted a request for a mailed, paper copy of my credit report. 

The agent repeatedly directed me to Equifax 's website, as if that wasn't something I was already doing. 

I specifically asked for an alternate team that can provide support for the website or to speak with a supervisor, but the Equifax agent advised that there was not another team and was exceptionally hesitant to allow me to speak with a supervisor, saying " They're busy '' repeatedly without providing any time frame over which a supervisor ( or someone else who could assist with my request ) could assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: NY

Complaint narrative:
the following companies have reported unauthorized inquiries on my consumer report without my knowledge. these inquiries are Equifax : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: HYUNDAI CAPITAL AMERICA
State: MS

Complaint narrative:
Ive called the company multiple times no resolution. Stated will call back they never do. Reach out to all credit bureaus and they tell me to dispute, which I have numerous times and no change. The charge off account has been continuously reported since being charged off XX/XX/XXXX. It Also is showing inconsistent balances across the bureaus! XXXX has the account to be opened XX/XX/XXXX, collection/charge off high credit of XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. XXXX has the account to be Paid and opened as of XX/XX/XXXX high credit XXXX payment status unknown last active XX/XX/XXXX last payment XX/XX/XXXX. XXXX has the account to be derogatory and opened as of XX/XX/XXXX high credit XXXX, collection/charge off last reported XX/XX/XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. The account has been settled for less than original amount but a balance still reflects the file. This account has caused me XXXX of dollars, a job and the ability to purchase bc of adverse history.

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 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My current mortgage servicer, Shellpoint Mortgage Servicing, the problem is that they will not credit and remove excessive tax charges in my impound account. 
I have paid off my hero home improvement/Energy loan, and on that type of loan, payment is paid through property taxes adds {$1600.00} a month to my house payment. 
I paid off my hero a 2nd XXXX  home improvement loan at the beginning of XX/XX/2022 ( see attached ). 
I sent them the 2nd Hero loan payoff promptly, but they still will not reduce the payment, making it impossible to pay the {$6000.00} Fist payment along with the new 2nd loan payment that I took out to pay off the Hero loan. 
The correct payment would be {$4400.00}, which they will not properly adjust/correct the payment. 
That new 2nd loan ( that paid off the Hero loan ) has a payment of {$2200.00} which creates an extreme burden and makes it near impossible to cover both payments with the old first payment still at {$6000.00}. 
They will not accept the correct lower {$4400.00} payment as full payment. 
If the above is not difficult enough, I am a Senior Citizen I have had XXXX twice recently and have had difficulty working at these times with the XXXX. 
I very much appreciate the assistance you would be able to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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:
In accordance with the fair credit reporting act XXXX  XXXX XXXXXXXX XXXX accounts # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 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. It is unfair that I was charged with a late payment with out notification of when the payment was due. I had to sign up on line to do on line payments. When I made the payment and they did not process my payment accurately.

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Certegy Holdings, LLC
State: FL

Complaint narrative:
I have a checking and saving account with XXXX XXXX XXXX XXXX. I cashed five personal checks at XXXX located at XXXX XXXX XXXX XXXX XXXX, Florida XXXX. The were returned by XXXX XXXX XXXX XXXX. Therefore, I was charged five returned fees in the amount of {$120.00} ( {$25.00} for each returned check ) and five insufficient fees of {$30.00} for each returned check by XXXX XXXX XXXX XXXX ( {$150.00} ). In the month of XXXX, 2022 ; the five checks in the amount of {$390.00} ( checks amount {$78.00} each ) and five returned fees in the amount of {$120.00} were paid. Also, five insufficient fees of {$30.00} for each returned check ( {$150.00} ) were withdrawn from my checking account by XXXX XXXX XXXX XXXX. However, On XX/XX/2022, five returned check fees of {$25.00} in the amount of {$120.00} from XXXX XXXX were charged to my checking account and insufficient fees of {$30.00} were withdrawn from my account by XXXX XXXX XXXX XXXX. I requested a refund from both companies, XXXX XXXX and XXXX XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX XXXX XXXX refused to give a refund. My checking account number is XXXX. XXXX XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity fraud and my information was exposed on several different data breaches there is information on my report that is incorrect and I have asked to be removed items that do not belong to me wrong address names inquiries and telephone numbers these things are hindering me from obtaining credit and causing great hardship to me this makes it easy for thieves to keep applying for things in my name i had no idea all these things where on my profile until doing some research last year i an just getting around to asking for them to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: NY

Complaint narrative:
the following companies have reported unauthorized inquiries on my consumer report without my knowledge. these inquiries are XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXXXXXX XXXX XXXXXX/XX/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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
EXPERIAN : XXXX : AND XXXX XXXX XXXX XXXX  XXXX ; ACCT # XXXX $ XXXX AND CLOSED XXXX XXXX  XXXX  XXXX ACCT XXXX XXXX {$2900.00} CLOSED XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OFF CLOSED XXXX XXXX ; # XXXX XXXX XXXX OFF CLOSED XXXX/XXXX/XXXX, ACCT # XXXX {$3500.00} PAID OFF CLOSED XXXX XXXX, ACCT # XXXX {$490.00} PAID OFF CLOSED XXXX  XXXX  # XXXX {$360.00} PAID OFF CLOSED XXXX  XXXX  SERVICES # XXXX {$8800.00} XXXX XXXX  XXXX # XXXX $ XXXX OFF CLOSED XXXX XXXX XXXX, # XXXX XXXX XXXX OFF CLOSED XXXX  XXXX/XXXX XXXX, ACCTS, # XXXX XXXX XXXX $ XXXX $ XXXX XXXX  XXXX/XXXX, ACCT # XXXX $ XXXX OFF CLOSED XXXX XXXX XXXX Credit reporting Improper use of your report 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, AND XXXX XXXX XX/XX/XXXX Closed No consumer response XXXX XXXX XXXX Credit card debt Communication tactics XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX Closed Sent to Regulator FTC XXXX XXXX XXXX Credit card debt Took or threatened to take negative or legal action XXXX XX/XX/XXXX Closed Sent to Regulator FTC XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XX/XX/XXXX Closed Sent to Regulator FTC XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Sent to Regulator FTC Previous Next ADD POSITIVE ACCOUNT ACTIVITY XXXX XXXX XXXX, # XXXX $ XXXX {$2700.00} PAID OFF XXXX  XXXX, # XXXX {$6000.00} PAID OFF XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} PAID OFF FIRST XXXX  XXXX ACCNT, # XXXX {$6000.00} PAID OFF

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # 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