vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

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 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 these has violated my rights. 
15 U.S.C 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. 1681 s-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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have positive accounts that are not being reported and I have been continuously trying to get them to correct my scores but they are all reporting a negative and low score. I have information showing that my score should be in the XXXX 's with my continued success of PAYING MY BILLS, I am starting to think that this is all a scam and feel as though I as well as many other American citizens can not believe in this system. I also feel as though this would be a very good topic to start spreading on stoical media as well as a Podcast to answer the American peoples questions regarding their credit. I know several individuals whos credit is very much worse than mine but they all have a better credit score even with all the negative on their reports. that is why I feel it is important for me to get this information out. I do expect for the CFPB to have all 3 credit reporting buraus to correct my score and bring it up to where i know it should be. I have also had Experian report to me XXXXne score but then report another to a financial institution. All 3 were reporting payments not made when payments have been made. Only one has fixed that issue. I have reported incorrect information on my reports to all 3 reporting agencies, they will correct it but then go right back to reporting the incorrect information again with the new quarter. I do not feel as though I can trust that accurate information is being reported or feel that this is ever going to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 5 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had XXXX in XXXX XXXX cards and 2 separate transactions for nearly just as much at a respectable {$150.00} and {$170.00} payments that werent authorized and as soon as I add the visas the next day they were emptied and the one had a charge from New York and I live in florida the other card had a bunch of XXXX transactions. And all of this happened on pay pal in a matter of a day Im out nearly {$650.00} and I have to pay my rent this week but they have to investigate it??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
California Business Bureau , Inc sent a validation letter with the wrong amount due. On XXXX credit agency the debt states {$960.00}, but on the letter they tried to charge me {$1300.00}. Further more, The letter did not mention that I had 30-days to respond to it nor did it give me an end date to respond by. Additionally, the letter did not provide any actual proof that I was the debtor. I have attached the letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: MO

Complaint narrative:
I Call Transunion about 10 times a day to update my XXXX  XXXX to reflect on my accts XXXX XXXX and XXXX XXXX XXXX  they refuse but they did add XXXX to a XXXX  XXXX but im not in a XXXX XXXX  i ask to speak to supervisor, Special handling no one will help

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
It is TransUnions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. XXXX is reporting seven inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and three 60 day late payments dated XX/XX/2018, XX/XX/2018 and XX/XX/2018 and two 90 day late payments dated XX/XX/2018 and XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-05-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I opened an online account with BMO. I received an email with a link to verify 2 micro deposits which I did. Once that step was complete I was instructed to setup the mobile app so I would be able to verify the account terms ( CD term, amount, rate, apy ). I was never able to get the app to work as I kept getting an error message. I was told to wait until the next business day and attempt again. When I attempted the next day the app stated " the user ID entered does not exist ''. Concerned I called in and was asked if I could receive text messages. The associate attempted to verify me via text but I never did receive the message. She stated there was not much more she could do and I asked to escalate. I was transferred to XXXX XXXX. I explained to her that I was having issues with the application she stated I could complete a form, have it notarized and send it in with a copy of my drivers license. I told her that was not an option that I was trying to validate the terms and conditions of the account that was opened and that I was not able to verify the account number, etc and that my online access had been removed. She stated she really could not assist me. I told her I had a request from XXXX to verity the debit was correct and that the account was established. I told her I would need to let XXXX know that I was not able to verify this information and they may return that debit as fraud. I asked if we could please escalate as I hated to take that action. She stated that there was no one higher than her to escalate to. I was shocked as she defiantly was not the CEO. She then again stated that the person I spoke to the day before did not do what they were supposed to and the only way I could procced is the complete the form and find a notary. I again told her that was not an option. I do not think customers should be the penalized and made to jump through hoops when the technology provided does not work. I then asked being that they could not verify me and I could not verify the information requested could they account opening be cancelled and the funds returned. I was told no, it was too late. Again, I feel like I should have that option being that I was not able to verify and utilize the information sent to me via email and the mobile app.

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 2023-05-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures XXXX result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, 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 2023-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: ME

Complaint narrative:
Initial VA mortgage loan via XXXX and it's mortgage provider, Nation Star, XX/XX/XXXX. O/A spring XXXX, Nation Star servicing was transferred to " Mr. Cooper '' XXXX ( Same address, XXXXXXXX XXXX XXXX ). Last month, received a letter ( dtd XXXX XXXX XXXX ) that my loan servicing would be sent to another subsidiary, XXXX. ( Again, same address, XXXXXXXX XXXX XXXXXXXX  ). The letter stated " if you are on Autopay, there is nothing you need to do '', which I am. I went to check the status of my payment today, and discovered I was no longer able to see that information via the Mr Cooper app. I called to complain that the letter specified there was nothing I need to do if on Autopay, only to find out I still must jump through hoops as the customer ( by establishing a XXXX account ) to now view current and future payment processing. I then went to XXXX to file a complaint against the company ( XXXX ) only to find that they are not XXXX affiliates. While on the XXXX website, I found a judgement against NationStar, signed by the judge on XXXX XX/XX/XXXX. 
My complaint centers on three aspects : 1 ) as a former NationStar customer, how do I receive my portion of the XXXX XXXX adjudication against them? 
2 ) why are these mortgage companies allowed to make it more difficult for the customer by creating their shell company subsidiaries? 
3 ) Nation Star, Mr. Cooper, and XXXX are, in reality, the same corporation and their business practices impair the customer, and that is not good business! Because my mortgage is a VA mortgage, it seems they are taking advantage of the veteran. Your federal agency is the only way to stop this as they are a nation -wide company and states have no purview.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
CFPB - I've reached out to the creditor XXXX requesting a copy of the 1099c form filed for the charged-off " Account XXXX ''. Attach you will find the certified letter mailed to XXXX requesting this document to provide to my CPA - as well as 2 phone calls made to the creditor requesting that they send this information over. I've have yet to receive the 1099c form. Because XXXX have not sent over the 1099c form as requested on three different occasions, I've come to the conclusion XXXX has/is committing " Tax Fraud XXXX and I plan to report this issue to the IRS if this account is not removed from my consumer report within 5 business days. This account is a charge-off which is cancelled debt and because this a cancelled debt the creditor " HAD '' to file a 1099c form. Because a charge-off is cancelled debt this means this account is classified as taxable income- which taxable income should not be reported on my consumer report. According to 15 us code 1681 a 1 The banking system is dependent upon fair and accurate credit report- ing XXXX Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. This is " '' Inaccurate '' reporting and im requesting a deletion of this account from my consumer report 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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a letter to all XXXX credit bureaus on XX/XX/ updating my personal information that is inaccurately being reporting on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPORTUN FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have twice tried to close an account I have through Oportun ( an automated savings program formerly called XXXX ) in the past two weeks. They have not honored my request to close my account and continue to remove money from my checking account. I have over {$1000.00} in the Oportun account. I assume if they are doing this to me they are doing it to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: CO

Complaint narrative:
Was in a dispute with apartment about move out amount, then they moved it to collections during dispute and they said they couldnt do anything and to talk to collections. Then I disputed with collection agency within 1 month and mailed letter with all the backup of pictures and emails from apartment I had on XX/XX/XXXX express 1 day with requested signature. They kept saying they didnt have it and I showed with USPS was delivered but decline to sign. I sent another package with backup in the mail on XX/XX/XXXX since she kept saying she never received. We have called twice in XXXX with voicemails to call back with no luck. I then called in XXXX to try to get ahold of someone other than who has our account to get this resolved and no one was helpful and it was getting frustrating that they weren't helping. They called us XX/XX/XXXX now saying they received our dispute letter but declined it and never notified and were finding out 5 months later. They said decline cause they reached out to Apt and they said the pictures they sent me of the move out backup and why we are getting charged is of another unit even though it includes out door with our apt number on it. We requested to talk to a supervisor multiple times and she said call back when we are willing to work out the debt. She also lied and said she called us twice in XXXX but she used the dates that we called and said she called which was a lie.

Company response to consumer: Closed with explanation