vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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: NJ

Complaint narrative:
ACCORDING TO THE LAW 15USC1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, Equifax, and XXXX are reporting information that certification has not been given with my consent to report an accounts that I have asked for them to remove. XXXX, XXXX XXXX, and XXXX is being reported as a charge- offs and clearly that is an income that the IRS or XXXX hasn't provided me a 1099-C, The creditor has been negligent in misrepresenting that they would report my private information such as my income in their disclosure. According to the law 15 USC 181e 1 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses it to the consumer reporting agency that originally furnishes the report. The credit reporting agencies are reporting XXXX as a charge -offs which is illegal. 
ACCORDING TO THE LAW 15USC 1666b ( b ) Grace period If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, the such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid the imposition of that finance charge. 
ACCORDING TO LAW 15 USC 1681a ( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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 was reviewing my credit reports and found several violations in accordance with the Fair Credit Reporting the following accounts such as XXXX XXXX XXXX XXXX # XXXX, U.S. Bankruptcy XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. the law States that 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 I am certain I did not provide anyone with my written consent!

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 2022-08-30 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:
n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court or competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
Please refer to the following statute, I am a granter of the MERS-HELOC DOT, NOTE and reside at the residential property XXXX XXXXXXXX XXXX  XXXX NV XXXX referred to in the DOT and NOTE. 

XXXXRequest by grantor of deed of trust for certified copy of note, deed of trust and assignments. 

1.A grantor of a deed of trust may submit a written request to the servicer of the deed of trust for a certified copy of the note, the deed of trust and all assignments of the note and deed of trust if : ( a ) The real property subject to the deed of trust is a single-family dwelling ; ( b ) The grantor is the owner of record of the real property ; ( c ) The grantor currently occupies the real property as his or her principal residence; and ( d ) The servicer or beneficiary of the deed of trust is a banking or financial institution or any other business entity that is licensed, registered or otherwise authorized to do business in this State. 

2.Not more than 10 days after receipt of a written request pursuant to subsection 1, the servicer of the deed of trust shall provide to the grantor the identity, address and any other contact information of the current owner or assignee of the note and deed of trust.

3.If the servicer of the deed of trust does not provide a certified copy of each document requested pursuant to subsection 1 within 30 days after receipt of the request, or if the documents provided by the servicer indicate that the beneficiary of the deed of trust does not have a recorded interest in or lien on the real property which is subject to the deed of trust : ( a ) The grantor of the deed of trust may report the servicer and the beneficiary of the deed of trust to the Division of Mortgage Lending or the Division of Financial Institutions of the Department of Business and Industry , whichever is appropriate ; and ( b ) The appropriate division may take whatever actions it deems necessary and proper, including, without limitation, enforcing any applicable laws or regulations or adopting any additional regulations. 

4.As used in this section, banking or financial institution has the meaning ascribed to it in XXXX XXXX XXXX Please fulfill my request for the documents as mentioned in section 1 & 2 of the statute XXXX XXXX XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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 Requirements of the FCRA Section 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion of Previously Deleted Material ( ii ) Notice to Consumer. If any information that has been deleted from a Consumer 's file Pursuant to Subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion. i was never giving anything in writing within 5 days.

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 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Associates , LLC. has an account from XXXX XXXX with a balance of {$910.00} for a VISA card from several years ago. This company, for years, would call me ( my previous number ( XXXX ) XXXX ) 5-7 times per day, literally 7 days per week. From XXXX until XXXX, every 3 hours or so. This account finally went under a judgement, and at that time the calls finally stopped. However, 3-4 months after court date, they started again. For example, today, XX/XX/2022, I have received 4. Over the last several years, I have blocked more than 200 numbers from them, and they just continue to call from another number. I am XXXX with XXXX XXXX, and I can no longer take this. I have contacted an attorney. I am absolutely stressed daily and often turn my phone off so I don't need to see they are calling. I've asked them to stop for years, and they call back 2 hours later!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
MY PROBLEM IS THAT CAPITAL ONE CLOSED MY ACCOUNT WITH FUNDS IN IT APPROXIMATELY WITH A BALANCE OF {$70000.00} THAT WERE DEPOSITED FROM 2 PPP LOANS AND WERE NOT RETURNED TO MYSELF OR THE SENDER INSTEAD THOSE FUNDS WERE KEPT FROM CAPITAL ONE AND STILL DOES FOR OVER A YEAR NOW WITHOUT A RELIABLE EXPLANATION WHERE THE FUNDS GO. THIS IS THE FIFTH COMPLAINT IAM SUBMITTING BECAUSE THE FIRST 3 RESPONSES CAPITAL ONE SENT ME LETTERS SAYING THEY WILL RETURN THE FUNDS TO THE SENDER AND THEY REQUESTED A HOLD HARMLESS AGREEMENT WHICH THEY RECEIVED TWICE BY THE SENDER ( MBE CAPITAL PARTNERS ) BUT THEY STILL HAVENT SEND THE FUNDS BACK. AT THE FOURTH COMPLAINT THEY WOULDNT EVEN RESPOND BECAUSE SUPPOSEDLY I WAS A VICTIM OF FRAUD WHICH IS NOT TRUE AT ALL..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
Around XX/XX/2022 my XXXX XXXX XXXX  was sold from XXXX XXXX to SN Servicing Corp. 

I was not pleased as I read review of the company and they habitually got XXXX star reviews from customers. But I set up Recurring online payments as I usually do and hoped for the best. 

I thought nothing of it until XXXX, when I got an email stating that my mortgage due amount had gone up from {$2300.00} to {$2800.00}. Shocked I read that they had been charging me a monthly Forced XXXX XXXX XXXX of nearly {$500.00} a month. Please keep in mind I already had an escrow account with insurance paid through the year. 

I am shocked by this business practice which I believe is illegal. I've never heard of anything similar but want this investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My XXXX report is XXXX pages. My transunion report is XXXX pages and my XXXX report is XXXX pages. My reports are not accurate. I have multiple names and alias listed. I have dozens of addresses in states Ive never lived in. There are jobs and employers Ive never had. There is a bankruptcy showing. On one report its listed as a XXXX and on another report its listed as a XXXX, XXXX, or XXXX. There are auto loans shown as charged off or included in a bankruptcy that is not true. Both vehicles were repossessed and resold. I have no idea where they are getting this inaccurate information and they refuse to investigate. I have actual video footage of one of my vehicles being repossessed. There are many closed accounts from over 7 years still on my account to include several student loans I paid off now showing as transferred to another lender. I have tried to dispute this online and in writing to no avail. They refuse to investigate and delete these items. Another issue are late payments on a leased vehicle. The payment amounts are incorrect. I paid {$6000.00} in advance and the car company XXXX did not apply it to my account and reported non payment to the credit bureaus. I sent bank statements to all 3 showing the payments. I tried disputing it online. How is this legal? These credit agencies are ruining me. I am now unable to refinance my mortgage because my score is too low due to inaccurate information and hard inquiries I did not give written permission to make on my behalf. I am requesting that my credit report be investigated and updated.

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 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX {$320.00} - - - Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$320.00} Original Creditor XXXX XXXX Past Due {$0.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: MO

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX, and XXXX  XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT EDXXXX XXXX, XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX, and XXXX  XXXX 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.

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 2022-08-30 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, and 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 Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor 10 XXXX XXXX Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Phone : ( XXXX ) XXXX I have been disputing these charges/reports via XXXX XXXX since 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 2022-08-30 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: NJ

Complaint narrative:
ACCORDING TO THE LAW 15USC1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transunion is reporting information that certification has not been given with my consent to report any accounts that I have asked for them to remove. XXXX, XXXX XXXX, and XXXX is being reported as a charge- offs and clearly that is an income that the IRS or XXXX hasn't provided me a 1099-C, The creditor has been negligent in misrepresenting that they would report my private information such as my income in their disclosure. According to the law 15 USC 181e 1 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses it to the consumer reporting agency that originally furnishes the report. The credit reporting agencies are reporting XXXX as a charge -offs which is illegal. ACCORDING TO THE LAW 15USC 1666b ( b ) Grace period If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid the imposition of that finance charge. ACCORDING TO LAW 15 USC 1681a ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. Your company has violated the Gramm -Leach-Bliley Act

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 2022-08-30 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: AZ

Complaint narrative:
PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXXXXXX XXXX XXXXXXXX XXXX XXXX PLEASE DELETE ASAP

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 2022-08-30 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: CA

Complaint narrative:
I am a natural person, I am a living human being, I have right under 15 USC 1681. 

XXXX is govern by 15 USC 1681 & they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy & I did not give XXXX written permission to furnish these accounts. 

INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-30 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 am a natural person, I am a living human being, I have right under 15 USC 1681. 

XXXX is govern by XXXX5 USC 1681 & they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy & I did not give XXXX written permission to furnish these accounts. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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