vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2022 about a few incorrectly reported accounts on my credit report and requested that they verify or delete the incorrect information. It is now XX/XX/2022 and they have failed to respond in a timely matter and I have received no update from them. I am requesting that you have the incorrect accounts removed 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 2022-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
Sallie mae is harassing my workplace and now even my family members over MY loan with them. They won't stop calling others even though I have already made a payment and working on making others.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX : {$25000.00}, XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX : {$18000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2500.00}, XXXX XXXXXXXX : # XXXX XXXX : {$200.00}, 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 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 2022-11-29 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX : {$25000.00}, XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX : {$18000.00}, XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX : {$2500.00}, XXXX XXXXXXXX : # XXXX XXXX : {$200.00}, 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 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 2022-11-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We called XXXX XXXX XXXX  on XX/XX/ for help. They promised they would show up in 30 minutes and insisted on prepayment of {$240.00}. Unbeknownst to us, they switched us to a know scam company XXXX XXXX XXXX who charged our card. Over the next 2 hours we called repeatedly and were told each time " 30 minutes '', but no one showed. Since I was stranded on the freeway late at night and a danger to others and me, the XXXX stopped and told me I had to have the car removed. He said he'd never heard of our Tow company and had the XXXX dispatch a tow truck, so we canceled our order. The XXXX which arrived in 21 minutes, changed the tire and inflated my spare. As they finished, a private vehicle with a XXXX XXXX decal showed up. The man ( inebriated ) said his buddy at XXXX called him to say he couldn't do the service and asked this man to show up instead ( just a private individual not employed by any tow company ). We have call and text logs, photos and testimonials of other customers similarly scammed. We received no service from XXXX, were put in danger by their inaction, and canceled the service before the person they passed us off on showed up. Wells Fargo violated their policies for handling disputes by failing to offer us an opportunity to respond to the merchants response or to provide any evidence to contradict. They did not inform us of any deadline to take further action ; later they relied on this secret deadline to deny further action. We simply got a letter summarily denying our claim.

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Document Attached shows the account that should be reporting to my TransUnion credit report and also listed below. 


XXXX XXXX Account ending in 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 2022-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Applying for existing mortgage, bank refusing to disclose the financier of the mortgage. Home owner called bank asking to disclose the required information, bank not willing to disclose. 
I have a change in circumstances since the origination of the mortgage, including the following : 1. Divorce in XXXX, ex spouse refusing to update financials to mask increase of income, therefore creating a financial hardship for the last 15 years. 
2. I have a medical hardship, XXXX XXXX 
3. I have a loss of income due to XXXX for the last two years to current, XXXX XXXX XXXX XXXX XXXX XXXX. I was not able to work due to XXXX. 
4. I do not have the income to pay the current month of XXXX, and am in a financial hardship, by no fault of my own. 
5. I am paying my lack of income via my credit cards, up to {$10000.00} at this time. 
6. My home us underwater, home is lost value due to nation financial home crises. 
7. Banco Popular the servicer has a history of not answering CFPB complaints, thus creating a artificial barrier to entry, and a form of home mortgage discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
Collection receivable is collecting on an account that is under investigation. XXXX XXXX Collector from Collection receivable admitted that the alleged debt that is own file in my name is under dispute ( PULL CALL ) As of XX/XX/2022 I take it that Collection Receivables XXXX received notification from XXXX stating that this account # XXXX is under investigation. 

However, XXXX XXXX took it a upon herself to stalk one of my relatives information and called them by phone acting as if she knew him, asking him about me and where I work. ( PULL CALL ) XXXX then decided to call stalk my employment, I answered the phone and instead of her properly confirming this was XXXX, she just stated talking about, she has my account from XXXX XXXX and that I need to pay her! XXXX did not identify her name or where she was calling from XXXX violation!!! XXXX also falsely stated that she was calling from ( XXXX XXXX ) She never identified that she was calling from a collection agency and that the phone call was recorded. BIG VIOLATION! ( PULL THE CALL ) I told XXXX I was at work and that the alleged account she is stating that I owe is under investigation. XXXX aggressively said that she is aware the account is in dispute status BUT how do I want to take care of this debt? BIG VIOLATION ( PULL THIS CALL ) I called back to speak with XXXX, who rudely answered the phone ( ONCE AGAIN SHE DID NOT READ THE TALK OFF TO ME ) SHE just immediately said is this XXXX, and that she put the alleged debt they say I own in REFUSAL TO PAY STATUS!!! I NEVER told her that! I told her she was lying and asked to speak with a supervisor XXXX then hung up on me. 

I called right back to speak with a supervisor, I guess XXXX XXXX is a supervisor ( She proclaimed to be over everyone on the floor ) I didnt believe her at first and then I asked to speak with a manager. Instead of XXXX, properly and professionally giving the phone call to the OFFICE MANAGER XXXX XXXX ( According to XXXXXXXX XXXXXXXX XXXX XXXX  ) She kept saying that she is the next person in charge. SO, I reported XXXX XXXX to her and let her know what took place our conversation. 

During my conversation with XXXX XXXX, she got angry and started loud talking me in defense of XXXX XXXX!!! I then asked to speak with the owner XXXX XXXX ( According to XXXX XXXXXXXX XXXX XXXX ) XXXX refused to give me the name of the owner or how I could contact her, she kept saying its public information and that she will just tell the owner to call me ( Pull the Call )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has not updated my credit report since XX/XX/2020. I submitted proof of address as experian required in order to update my credit report. Credit score and report still have not been 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 2022-11-29 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( SANTANDER CONSUMER USA ) company. I requested that they send me the written " Permissible Purposes '' document with my signature, with no response or explanation. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights by reporting an inaccurate late payment. This was also during the COVID19 pandemic. And should be removed not only because of the violation of FCRA privacy and consumer laws, but also because of the CARES ACT provisions for consumers. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-11-29 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 have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX  has violated my rights by reporting an inaccurate late payment. This was also during the XXXX pandemic. And should be removed not only because of the violation of FCRA privacy and consumer laws, but also because of the CARES ACT provisions for consumers. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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 take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-29 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-29 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 take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I Have Called This Creditor, Spring Oaks Capital Who Said That The Are A Collection Agency For XXXX XXXX XXXX. I Have Told Them That I Have Been The Victim Of Identify Theft. When I Told Them That, They Are Now Telling Me That Someone Had Paid Over {$600.00} On The Bill In XXXX Of 2021. It Wasn't Myself. I Have Been In And Out Out Of The Hospital During This Time And Since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
Carrington mortgage services sends certified mail on maybe losing the house. Late fees are non stop! We were on a forbearance and at first they were saying we owed all of it up front

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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 update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 and CARES ACT. 

XXXX XXXX XXXX account # XXXX Opened XX/XX/2013 has violated my rights. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

They are also in violation of the CARES 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 explanation