vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Consumer disputes this account information Medical Subject has not satisfied debt XXXX, XXXX, XXXX } XXXX - - - - - - XXXX 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 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: On Q Financial
State: GA

Complaint narrative:
I can absolutely provide all documentation to show what I am saying. 
This company gave me the run around through the entire process and they they are trying to force me to sell my home. 
They agreed to a loan modification process which we engaged in have done everything they asked and now they are sending me a letter that they are going to force sale my house over the federally approved mortgage assistance. They want me to pay them all of the fofebearance due to COVID at one time or they are going to force sale.

I am not sure how that is right. I am not trying to get anything for free but I would like for them to honor the agreement they made to a loan modification.

If you start down this road allowing mortgage companies to require mortgage holders to pay all payments at once that they could not pay to begin with because of Covid, your gon na have a mess in your hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/1983 XXXX  XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been demanding that Trans Union remove these disputed tradelines for over 18 months now. I've mailed multiple disputes and filed CFPB complaint # XXXX. I've requested a full disclosure pursuant to Fair Credit Reporting Act 609 for the entire consumer file in their possession that contains my name. 

Trans Union has FAILED OR REFUSED to investigate and provide me with results within 30 days. 
Trans Union has FAILED OR REFUSED to provide me with the entire consumer file. 
Trans Union has FAILED OR REFUSED to permanently DELETE tradelines of companies that DO NOT EXIST. I have provided proof of documentation through my CFPB complaints and my dispute letters showing that the companies that they claim furnished information to them DO NOT EXIST in my state or the states they claim they are in. 

XXXX has permanently DELETED the accounts I've disputed because they were not able to verify and validate the tradelines. If XXXX can not verify AND validate these accounts, how can TRANS UNION possibly verify and validate the tradelines? 

It is my belief that Trans Union is committing fraud, identity theft, and using deceptive trade practices to continue to defame my character, prevent me from accessing credit in violation of the Equal Access to Credit Opportunity Act. I am being damaged daily by Trans Union refusing to delete the following accounts, which are not registered in my state which means I can not serve them with notice of intent to file a lawsuit : XXXX. XXXX Trans Union has also allowed a DISPUTED COMPANIES TO FRAUDULENTLY RE-AGE multiple accounts, which I have never had a contract or done business with company who is retaliating against me for disputing their fraudulent account : XXXX. XXXX XXXX  XXXX re-aged to XX/XX/2022 XXXX. XXXX XXXX re-aged to XX/XX/2022 XXXX. XXXX re-aged to XX/XX/2022 XXXX. XXXX XXXX re-aged to XX/XX/2022 XXXX. XXXX XXXX XXXX re-aged to XX/XX/2022 XXXX. XXXX XXXX XXXX re-aged to XX/XX/2022 ( XXXX separate accounts ) It appears that Trans Union has a vested financial interest in continuing to report these fraudulent tradelines and refusing to send me a copy of the entire consumer file concerning me, which will show that they do not have the proper documentation required by law to reporting this information. 
I HAVE NOT GIVEN TRANS UNION PERMISSION TO REPORT, COMPILE, OR APPROPRIATE MY NAME AND LIKENESS and PRIVATE FINANCIAL MATTERS. THIS IS AGGRAVATED IDENTITY THEFT BY TRANS UNION. 
I demand that they immediately delete the information! 

I have attached proof that XXXX has deleted the tradelines.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: National Credit Care, LLC
State: FL

Complaint narrative:
I started services with National Care Credit on XX/XX/2021, the company charged me fees upfront before any services were rendered. 

According to Fair Credit Reporting statutes 15 US Code 1679 ( 4 b no credit repair organization may charge or receive money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed ). 

Since XX/XX/2021 we have paid this company {$750.00} and have not seen any progress on our report. I called them at the beginning of XXXX to cancel services and they basically told me they will charge me again on XX/XX/XXXX for services even though I canceled. I do not want this company taking out any more money from my account, and am requesting a full refund for services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
First reported to all three credit bureaus on XX/XX/XXXX that XXXX XXXX loans falsely reported me late on the XXXX of XXXX. I was placed into a new payment plan with XXXX  on the XXXX following being laid off. Their credit reporting department and collections/payment plan department apparently do not talk to one another. My account is current and currently showing nothing due at this time. For some reason XXXX is only reporting one of the three loans current when all four loans are under the same payment plan which means they should all be reporting as current. XXXX and XXXX were reporting exceptional payment history for all four loans but now it looks like on my end they are showing a missed payment for XXXX again. Again all four loans for XXXX on all three credit bureaus should be reporting as no recent missed payments. I am trying to move forward on a home loan and if this isn't resolved in time, i.e. this week I will be homeless thanks to XXXX falsely reporting. 

Likewise, my Wells Fargo account was in a payment plan - never received that documentation from Wells Fargo account has been paid in full and should reflect that on my credit report ASAP too.

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 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Visa Card ending *** *** XXXX XXXX XXXX XXXX, PA XXXX Mobile XXXX Email XXXX I have had a credit card with this company for over 10 years. I have " always '' paid my account balance on time as to not accrue interest. I have moved away from using this card at the end of XXXX as they discontinued/ changed their rewards program. Knowing there were still some charges that would have occurred I felt as I receive my final statements, I would pay them off, use the balance of my reward points and close the account. If I closed the account prior to using the reward points I would lose them. 
I have a very large amount of reward points. 
" Since the beginning of XXXX I have not received a statement by either email or XXXX '' from XXXX for this account. I went on line to look into this, only to see fees and interest for unpaid balance. I immediately contacted XXXX ( XXXX XXXX ) to get an explanation. I was told on separate calls in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that the statements were sent out electronically/ email. Today XX/XX/XXXX I spoke with a customer service rep that said my account was only electronic statements since I opened it, this is not true, it has always been paper. While on the phone I immediately paid my balance in full, including all fees and interest and locked the card so it could not be used. After 3 months of trying to resolve this, it was the most practical option. I then spoke to a supervisor at XXXX he said the change to electronic statements was made at the beginning of XXXX not when it was opened, this was different from the information I received for the initial rep I just spoke with. He also said that tech support at XXXX XXXX saw an error on the email statements, and they were not getting to me. He blamed it on a spam blocker at my end. XXXX XXXX response to the situation was not to contact me in an effort to resolve the issue, but rather just add on fees and interest, and freeze the reward points that I already earned, this is after repeated calls to rectify the situation. It is obvious that somewhere at the end of XXXX beginning of XXXX a change was made by XXXX XXXX to my account that resulted in me not receiving statements. Please note at no time was this a question of paying the charges that were made by me on my card, rather not receiving any notice that the bill was due. Then charging fees and interest and locking out my reward points so I could not access the remaining points. 
The fees and interest owed me are as follows Interest {$0.00} Interest {$5.00} Interest {$1.00} Interest {$17.00} {$26.00} Fees {$25.00} Total {$51.00} Owed to me I request that Capital One refund me the amount listed, as the error was made at their end and statements were not sent to me to allow me to pay my bill in a timely manner. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 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:
ONLY NAME THAT SHOULD APPEAR : XXXX XXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information : Most Recent Employer Employer Name XXXX XXXX XXXX Previous Employer Employer Name XXXX XXXX **In addition : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX *** duplicate inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights -15 U.S. Code 1681s602a-Section 1- I have the right to privacy -15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: FL

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, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX 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
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I have updated information for the complaint with Affirm. The complaint # is XXXX. On XXXX Affirm received the following document via certified mail with a green return receipt which they signed for. A cease and desist which required debt validation for the consumer credit transaction which resulted in an account being opened and closed. Affirm stated I allegedly owed a debt for this consumer credit transaction which is fraud. Affirm had 30 days to respond to my cease and desist which required debt validation and specifies they cease all communication through any medium with me and any third parties such as consumer reporting agencies which they have not. This a direct violation of my rights under the FDCPA 15 USC 1692 ( g ). They are reporting inaccurate information on my consumer reports and have denied me access to my credit which is discrimination and violates my rights under the FCRA 1681 and the XXXX 15 USC 1691. On XXXX Affirm sent me an addressed envelope to a name that is not mines with documents without my signature and stated it was validation of a debt. This is fraud. These actions directly violate several federal consumer protection laws. I have attached copies of all documents that was sent and received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On all XXXX credit bureaus there is an account listed from TD BankXXXX XXXX original balance of {$2600.00} with a past due amount of {$390.00}. This is not my account. I called TD Bank an was told this was for a XXXX XXXX. I never purchased a XXXX XXXX nor received one. I was told they would dispute this the merchant. However it is still showing on all XXXX credit reports. I called XXXX XXXX who then called TD Bank they said they were unable to find the account. I am a victim of identy theft from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUntitled XXXX XXXX Subject has not satisfied debt. XXXX -Untitled XXXX XXXX Subject has not satisfied debt. XXXX -XXXX  XXXX -XXXX XXXX  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 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 2022-04-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUntitled XXXX XXXX Subject has not satisfied debt. XXXX -Untitled XXXX XXXX  Subject has not satisfied debt. XXXX -XXXX XXXX XXXX XXXX XXXXXXXX -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 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 explanation
Consumer complaint received 2022-04-19 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

NEGATIVE ACCOUNTS : XXXX XXXX -XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: ROAD Auto Finance, LLC
State: NC

Complaint narrative:
I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation