vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: PA

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX PA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: PA

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX PA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal Inc . Refusal to close my account. Stating technical issue. Closed PayPal credit account XX/XX/2022 until present and my account with PayPal is still active. Spent a total of over 10 hours on the phone with PayPal with them stating a different reason on several occasions as to why they refuse to close my account. Can not get a straight answer. Have an email from them stating they would close my account within 5 to 7 days ... .they account remains open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
Mortgage issuer : Flagstar Date : XX/XX/XXXX- XX/XX/XXXX I am a higher savings, lower income individual ( due to the pandemic related job changes and layoffs ). Me and my wife at the time bought a place in XXXX NJ in XXXX and financed XXXX. We have never missed a single payment on this loan in the past 5 years. I currently run my own online business. The original loan had both me and my ex-wife as borrowers listed on the loan. 

Following my divorce and per our divorce agreement, I issued a loan assumption request ( to only have my name on the loan ) for our 15 year conventional mortgage, which had about XXXX remaining. The link to initiate this request was hidden on the website and took some time to find it. Then I was referred to a loan assumption XXXX ( XXXX XXXX ). After being referred to the credit decision team ( XXXX XXXX and XXXX XXXX XXXX ) and completing the documentation request in XX/XX/XXXX, I received a decision on XX/XX/XXXX that I was denied my assumption request. 

This letter stated that I had a XXXX XXXX of XXXX and cited the following for the adverse action : - Excessive obligations in relation to income - Insufficient income for mortgage payment The credit score metric they used was not found " high enough '' for the following reasons : - Too many inquiries last 12 months - Length of time accounts have been established - Amount owned on revolving accounts is too high - Length of time revolving accounts have been established I literally have had the same XXXX credit cards for 15 years where I revolve a balance of {$1500.00} per month with no missed payments. 

My requests to appeal and have them communicate & revise their logic in making this decision have not been answered. 

As I have a friend who got approved for a XXXX loan with less income and smaller credit score, I find this predatory. It doesn't take a genius to see that the company is trying to refuse, with no ground, an assumption request for a loan with 3.25 % in interest rate and twisting my arm to refinance at the rate of 6 % instead. I am hopeful there are legal protections for consumers on this matter. 

I need your support and guidance on this. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: VA

Complaint narrative:
I did not give consent to access my report on XX/XX/2022 but this company issued two reports anyways ( frozen reports )

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 2023-01-10 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: Self Financial Inc.
State: FL

Complaint narrative:
In accordance with the FCRA Self/XXXX  XXXX account XXXX XXXX, has violated the following : 15 USC 1681 Section 604 ( a ) Section ( 2 ) states a consumer reporting agency can not furnish an account without my written consent. XXXX  has not been given written consent to report to any consumer reporting agency.

15 USC 1666b ( a ) states a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any reason. I have not received any statements or notices from Self/XXXX  XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: NY

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. 

Account name : XXXX XXXX XXXX # XXXX. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 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: NY

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. 

Account name : XXXX XXXX XXXX # XXXX. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/23 I received a text from what I thought was USAA. It asked me if I had authorized a XXXX payment of {$1000.00}, type yes or no. I typed no and someone responded back and then called me. Because the phone number was spoofed, I believed it was USAA and gave them account information. During the span of an hour, this person went into my account and removed {$810.00} from my checking and {$100.00} from my savings, using a new person to send money to using XXXX. Once I found out what happened, I immediately called the real USAA and filed a claim that none of the many XXXX transactions were authorized. I haven't heard a word from USAA about the fraud or the claim, I call them every other day for a status. XXXX USAA associate said when I told them that I have bills that will hit my account " Can you ask someone to borrow the money so that it's not insufficient? '' On another phone call an USAA associate just said, " They have until 10 days to do their research, you'll just have to wait '' and didn't give me any status. On the phone today XX/XX/23, the USAA associate said that in my account no fraud was found and no money will be reimbursed. I told them that my account was taken over and none of these 20+ transactions were authorized, I sent them screen shots and that they need to reopen the case. I don't know when I will get the {$810.00} for my checking and the {$100.00} from my checking. Bills have been returned XXXX  because of not having any money in my account so I am in arrears with my loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
We were issued an installment loan with Goodleap for our solar panels through the company XXXX XXXX. Our first payment was due once the system installation was completed. However, XXXX XXXX went out of business before the job was completed. We called Goodleap once we found out XXXX XXXX had filed for bankruptcy and gone out of business and explained the situation. Goodleap said they had received multiple calls from XXXX XXXX clients all in the same situation but Goodleap is still bombarding night and day with calls and texts, letters and emails for payment on a loan for system that was never completed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TX

Complaint narrative:
Experian has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Experian. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.

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 2023-01-10 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: NC

Complaint narrative:
I have made numerous attempts to resolve and or dispute these issues directly with the credit bureaus and the lenders reporting inaccurate and fraudulent accounts and each and every time I receive generic/automated responses stating the information and or accounts has been verified when asked to provide proof of this verification the lenders and respective credit bureaus are unable to provide me with any documentation as it relates to verification. I was the victim of identity theft, I have informed them of this and filed numerous FTC identity theft reports and provided copies to the bureaus and offered to provide copies to the lenders, the lenders refuse to accept them, and the credit bureaus tell me this is not sufficient which is why I have filed multiple as well as consistently seeing new items I do not recognize either in the form of inquiries or collection accounts. I have attempted to resolve this with the credit bureaus as well as directly with the creditors. This is my second time filing a complaint with the CFPB in regard to these issues. All of the entities mentioned have displayed willful and negligent noncompliance in removing these items

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 2023-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
I received in the mail today ( XX/XX/2023 ) that states this debt from my XXXX  was sent to this company. I was not notified by my XXXX  this was even going to happen. I have XXXX  and I see them every 6 to 8 weeks. And no one let me know this would one go to collections. In addition, my mom calls on my account and she was not notified this debt exists. There were no actual bills from the dentist received via mail or email. 

The debt was actually paid on XX/XX/2023 via credit card in full. It was paid directly to the XXXX  office.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
XXXX ( ( collections ) XXXX - Ive called several times just to hear different stories. & & for a mistake they made the only thing they can say is sorry we dont report to XXXX anymore!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: NY

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report. They said that they did and everything was accurate. However when I went over it myself and did my own research I found a host of inaccuracies and inconsistencies on my report. The following accounts which have been disputed multiple times since XX/XX/XXXX until the most recent 6 or 7th letter at this point cent via certified mail on XX/XX/XXXX, I have even called Equifax and been told they never received a dispute when I disputed said account XX/XX/XXXX online via there website. I was then told I don't have an account with them and asked if I was sure it was them. I have received stall letters instead of compliance. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX In accordance with the fair credit reporting act the account numbers above has violated my rights. XXXX5 US C 1681 section 602 A states that I have a right to privacy.

15 USC 1681, section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. Which I did not provide for the above mentioned accounts.

In addition to the violations above pursuant 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or UnveriUnderfiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TX

Complaint narrative:
Transunion has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet Metro 2 standards. 

I can tell that a proper investigation has not been conducted by Transunion. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.

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 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA

Complaint narrative:
XXXX failed to inform the California XXXX XXXX XXXX the correct past amount due on our mortgage loan. Due to Covid we fell behind on payments for 1 year and the past due amount is {$37000.00}. We reached out to the California XXXX  XXXX XXXX to help us with the {$37000.00} we were past due on. However, XXXX informed the California XXXX  XXXX XXXX that the past due amount was {$14000.00}. On XXXX XXXX, 2023, the {$14000.00} was posted to our mortgage loan. 

We reached out to PRMG on XXXX XXXX, 2023 to clarify the situation between XXXX and California Mortgage XXXX XXXX. We spoke to XXXX XXXX ( employee # XXXX ), who stated we weren't eligible for the XXXX program because our mortgage was up to date. However, if we were up to date how did we receive {$14000.00} for our mortgage? She failed to respond to our question, got upset and hung up on us. 

We have been trying to resolve this mortgage relief for 5 months now. Per California XXXX XXXXXXXX XXXX, our application XXXX met the qualification requirements to bring our loan current on XXXX/XXXX/2023. However, XXXX failed to inform the California XXXX  XXXX XXXX we owed {$37000.00} and our home loan was shorted {$22000.00}. 

In order to correct this error committed by PRMG, we are requesting that XXXX get in touch with the California XXXX XXXX XXXX for the {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: MO

Complaint narrative:
Vehicle was reported stolen, vehicle was found by police department, and was retrieved by the car dealership

Company response to consumer: Closed with explanation