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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove the following unauthorized inquiries from my credit report XXXXXXXX XXXX XXXXXXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX  XXXX XXXX 2022 Per the Fair Credit Reporting Act, Section 611 ( a ), any information that is inaccurate, incomplete or can not be verified must promptly be deleted within 30 days of your receipt of this dispute. I look forward to receiving an updated copy of my credit report reflecting the above corrections.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove the following unauthorized inquiries from my credit report XXXXXXXX XXXX  XXXX XXXX XXXX 2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XXXX 2022 Per the Fair Credit Reporting Act, Section 611 ( a ), any information that is inaccurate, incomplete or can not be verified must promptly be deleted within 30 days of your receipt of this dispute. I look forward to receiving an updated copy of my credit report reflecting the above corrections.

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: EQUIFAX, INC.
State: NV

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

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy. 

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the consumers ( myself ) written instructions or consent. 

The above account is paid in full and confirmed by lender to be CLOSED and in good standings. 

XXXX, EQUIFAX and XXXX have furnished inaccurate information on my credit file. I have disputed this account several times with all parties. Each time it came back as UPDATED. I contacted the lender after each update and verified that the information is inaccurate. I have the right to an account credit file/report. Please remove and delete this inaccurate information and account from my credit file.

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: NV

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

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy. 

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the consumers ( myself ) written instructions or consent. 

The above account is paid in full and confirmed by lender to be CLOSED and in good standings. 

XXXX, XXXX and EXPERIAN have furnished inaccurate information on my credit file. I have disputed this account several times with all parties. Each time it came back as UPDATED. I contacted the lender after each update and verified that the information is inaccurate. I have the right to an account credit file/report. Please remove and delete this inaccurate information and account from my credit file.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc.
State: SC

Complaint narrative:
I recently discovered that i am victim of identity theft and a loan was open in my name for American first finance, they are calling and reporting inaccurate information to my credit. This debt is not mine.

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:
I sent a letter out on XXXX XX/XX/2023 and on XX/XX/2023 to XXXX, XXXX and Experian. Here is my tracking number most recent track # XXXX XXXX track # XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. Everytime i call they tell me can't find my paperwork. This is not making any sense. 

According to the law 15 U.S.C. Code 1681 ( i ) - XXXX in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX, for dental work, I was forced into getting a care credit account, which I did not want, I told them many times, I've called many different numbers from Care credit, but only get an automated machine, I paid in cash for services at the dentist, I haven't charged anything to the card. I am unable to close the account, they pushed me to open, so they could charge the dental work to it.

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 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX number XXXX has violated my rights. 

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions or consent of the consumer ( myself ). 

XXXX and EXPERIAN has furnished my credit file with inaccurate information. Ive disputed it with both parties several times and each time it came back updated. I have provided proof of more inaccuracies committed by both parties. I have the right to an accurate credit file. Please remove and delete this inaccurate account immediately.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Specialized Loan Servicing has taken escrow for property taxes and neglected to pay them. We have been sent an intent to FIFA on our property

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: 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:
1. 
( XXXX XXXX ) account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

2. 
XXXXXXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

3. 
XXXX XXXX  account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

4. 
XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

5. 


XXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to dispute inaccuracies on my credit report, which I obtained from your agency. According to the Fair Credit Reporting Act ( FCRA ) section 15 USC 1681, I have the right to dispute any inaccurate information on my credit report and have it corrected or removed. 
Specifically, I have identified the following errors on my credit report : Portfolio Recov Assoc XXXX I request that you investigate these inaccuracies and correct them promptly. As per the FCRA, you have 30 days to complete your investigation and provide me with a written report of the results. 
In addition, I request that you provide me with a free copy of my corrected credit report, and that you notify any creditors or third parties who have received my credit report within the past six months of the corrections.

Please be advised that failure to correct these inaccuracies may result in legal action under the FCRA. Thank you for your prompt attention to this matter.

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: CBC Companies, Inc.
State: AZ

Complaint narrative:
Furthermore, as you can see from the information above, this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that them immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). they have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Dear Sir/Madam, I am writing to dispute the accuracy of the information being reported on my credit report regarding the above-referenced account [ or accounts ]. I believe that there may be a violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 
Specifically, I dispute the following : XXXX. XXXX [ Account XXXX : XXXX ] - XXXX is reporting a 120-day late payment, but according to other credit bureaus, there are no late payments. This may be a violation of the FCRA. 
XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX ], XXXX XXXX XXXX XXXX Account Number : XXXX ], XXXX  [ Account Number : XXXX ], XXXX XXXX [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX ]XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Account XXXX : XXXX ], XXXX XXXX XXXX  [ Account Number : XXXX ] XXXX XXXX XXXX XXXX  [ Account Numbers : XXXX and XXXX XXXX, XXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX [ Account Number : XXXX ] - There may be violations of the FDCPA, TILA, RESPA, ECOA, and/or FCBA with respect to these accounts. I would appreciate if you could provide me with additional information regarding these accounts so that I can better understand the basis for any charges or collections.

I request that you investigate and correct any inaccuracies or incomplete information regarding these accounts as required by the FCRA. I also request that you cease any collection activities related to these accounts until the dispute has been resolved. Please provide me with copies of any documentation that you may have regarding these accounts. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On or around XX/XX/2022, my Citibank credit card number was stolen and fraudulenty used without my permission. Citibank contacted me and informed me that my card had been used in a suspicious manner. I immediately contacted Citibank and disputed the numerous fraudulent out of state charges. After several months of contacting Citibank, they finally agreed to reverse the fraudulent charges that they ( Citibank ) alerted me to. After all of the fraudulent charges had been reversed, I canceled my Citibank credit card due to their lack of appropriate security protections. Citibank then has reversed one of the fraudulent charges, the largest one, yet reversed the numerous and obvious other fraudulent charges, back to my closed account as retaliation for my closing the account. 
I am disputing the entire amount of the fraudulent charge and reporting Citibank for retaliation.

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 monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Account # XXXX XXXX XXXX XXXX I have had a credit card with XXXX XXXX XXXX for many years now. We use it to buy new tires for our vehicles, as they offer a 0 % interest rate. 

In XX/XX/2023, I paid off the balance, as the 0 % promotional interest rate was going to end on my tire purchase.. Apparently XXXX XXXX has switched credit card companies now to I believe Comenity. Even though I paid the balance of {$180.00}, they apparently charged me the entire year 's interest the day the payment cleared. They did not clear the payment til a few days after I submitted it, which was after the payment due date. We were on vacation for the XXXX XXXXXXXX XXXX holiday so I paid it online. 

I have never had a 0 % interest card add the componded interest for the entire 12 months, when the 0 % promotional period was over. When I try to call, the customer service representative is in another XXXX and does not understand what I am asking. It was also quite noisy in the background. I also found out when they switched banks handling their credit cards, my account was closed last year and I was never told. I have tried emailing their customer service and mailed a letter to their address in XXXX XXXX, SD and receive no response on waiving the now {$340.00} balance. I also reached out to the XXXX XXXX XXXX  and XXXX XXXX has not responded to their inquiry either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
I started with carrington mortgage XX/XX/XXXX. Loan was sold to them from XXXX XXXX XXXX. I can provide proof of all payments made since I purchased the home in XXXX. I paid XXXX, XXXX, XXXX in the correct amounts. XXXX I over paid and paid correct for XXXX, XX/XX/XXXX and XXXX. On XX/XX/XXXX someone at carrington mortgage reversed all previously paid payments in the correct amount and rebilled them at the highest amount that did not start until the XX/XX/XXXX payment. They fraudulently have incorrectly overbilled me. I have proof and they are now saying I am behind since XX/XX/XXXX. When I calculated the payments on my statement to what I have paid I have overpaid due to their error. They knowingly charged me too much and are not willing to even do simple math to show I am correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SIERRA PACIFIC MORTGAGE
State: FL

Complaint narrative:
HAF PROGRAM WAS PAYING MY MORTGAGE, AND ALL OF THE SUDDEN THE PAYMENTS STOPPED, NOW MY MORTGAGE IS BEHIND 4 MONTHS BEHIND.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, US DEPT ED Account number XXXX and DEPTEDXXXX Account XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 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
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On the date of XXXX XXXX/2021 I discovered a account being reported by Transunion as an collection. I have never open or owned any such account. I disputed this account not only because it was false and inaccurate and not mine. Upon investigation it was found that the company also was reporting fraudulent information such as account numders, names and addresses which are by law also grounds for removal of said account. On XX/XX/21 the account XXXX XXXX XXXX was removed from my credit file. On XX/XX/XXXX I noticed that it has been reinserted on my credit file. I received no notice or warning

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: EQUIFAX, 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 1681. 

XXXX XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation