vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX Experian received a letter concerning my credit report. This is NOT a request to conduct an investigation or a request to contact the data furnishers for items on my Experian credit report and ask them to verify the accuracy of the information. 

I am simply demanding the following accounts to be DELETED from my credit report immediately. The list of accounts, below, has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Experian is in violation with the Fair Credit Reporting Act, 15 USC 1681. Let me further explain. Pursuant 15 U.S.C. 1681 ( a ) ( 4 ), I have the right to privacy. ( I demand these accounts be deleted ). Pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), the term consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. ( Ex. Late payments, amount financed, charge-offs, etc. ). Pursuant 15 U.S.C. 1681b ( a ) ( 2 ), A consumer reporting agency can not furnish an account without my written instructions. ( I have never given Experian permission to furnish any of these accounts ). Pursuant 15 U.S.C. 1681c ( a ) ( 5 ), No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Pursuant 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), A person shall not furnish any information relating to a consumer to any consumer reporting agency. 

I am simply demanding the following accounts to be DELETED from my credit report immediately. The list of accounts, below, has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, 15 U.S.C. 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I received a derogatory credit mark from XXXX in XXXX XXXX. I called and filed a complaint and they said they would remove the derogatory mark. 

8 months later, its still on my credit. I called later, and now they cant find my account, even via SSN, Email, address, zip, nor any way to remove the credit derogatory mark from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: WI

Complaint narrative:
I have an unauthorized inquiry XXXX XXXX report from XXXX XXXX dated XX/XX/XXXX. I have tried unsuccessfully to get Transitions and XXXX XXXX to remove it. Both companies have received copy of FTC report I filed resulting in am extended fraud alert to my credit report. However, TransUnion refuses to even open a dispute claiming I need to contact XXXX XXXX ( which I did ). XXXX refusal to open an investigation is a violation of the FCRA. When reaching out to XXXX XXXX I was assured the inquiry would be removed back in XX/XX/XXXX, as of Today it has yet to be removed despite both companies knowing it was an unauthorized inquiry. This is not only an FCRA violation but a violation of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have disputed an entry on my credit report with Trans Union concerning XXXX XXXX and the only response I receive is verified information so how is it verified information if the courts do not report to the ( XXXX XXXX XXXX XXXX Agencies in which I have included a letter stating that and XXXX  also has stated they do not report to the credit reporting agencies it is also included so if the information is not verified from the original creditor how is it verified information? 
I have asked for validation of notice of how and from whom this information was verified with and no response the only letter I receive back is verified information which is not verified cause the original creditor does not report to the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: GA

Complaint narrative:
Submitted a payroll payment from XXXX XXXX bank via payroll processor XXXX on XXXX. Our contractor informed us that he didnt receive the payroll payment days later after the processing period had passed. Due to this, we had our contractor who was the intended recipient reach out to his banking institution which is E-trade to get the status. It appears that E-trade deposited the money into the wrong account which didnt belong to our contractor however another E-trade account. The contractor called E-trade and they told him that they can not reverse the funds and that they would have to reach out to the account owner to notify them of the error. After weeks, e-trade finally told the contractor that they can not move the funds and to call XXXX XXXX which is the banking institution that it was drafted from. 

I then contacted XXXX XXXX ( my XXXX bank ) and opened a claim with them to have the funds reversed from e-trade. XXXX XXXX said they claim would take up to 10 business days and after which time I was informed that they was not able to retrieve the funds.

E-trade has neglected to follow proper business practices which subsequently has resulted in the funds never being deposited into the correct account. I would like this investigated ASAP so that we can receive the {$1200.00} that was deposited into the wrong account at E-trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached 2 FTC reports with inquiries I did not authorize or recognize, please delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: NRA Group, LLC
State: DE

Complaint narrative:
XXXX allowed an inaccurate account to be furnished on my credit report. XXXX did not investigate this account prior to it being placed on the account. Consumer has proof that the account should no longer be on account. This made the consumer 's credit score go down significantly, with no valid proof. 

Also, it appears that Nationwide Recovery Systems , Ltd shared or furnished my personal information to another creditor without my CONSENT, which was with the National Recovery Agency. XXXX XXXX XXXX provided notice that this account was closed and that it would no longer be reflected on any credit report. This made my credit score decrease significantly and has had an adverse impact on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: Nationwide Recovery Systems, Ltd
State: DE

Complaint narrative:
XXXX allowed an inaccurate account to be furnished on my credit report. XXXX did not investigate this account prior to it being placed on the account. XXXX has proof that the account should no longer be on account. This made the consumer 's credit score go down significantly, with no valid proof. 

Also, it appears that Nationwide Recovery Systems , Ltd shared or furnished my personal information to another creditor without my CONSENT, which was with the National Recovery Agency. Nationwide Recovery Systems provided notice that this account was closed and that it would no longer be reflected on any credit report. This made my credit score decrease significantly and has had an adverse impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Since XXXX XX/XX/XXXX Freedom Mortgage has not been in compliance with RESPA and continues in its escapades of mismanagement, willful disregard, criminality and/or incompetence in references to compliance to RESPA. As it pertains to the laws and rules on Escrow accounts.

Section 10 of the Real Estate Settlement Procedures Act ( RESPA ) provides protections for borrowers with escrow accounts. Specifically, it limits the amount of money that a lender may require the borrower to hold in an escrow account for paying taxes, hazard insurance and other charges related to the property.

They continue to say they did not receive a lump sum paid in full even though we have numerous times in complaints to them and in letters that were sent since XXXX by certified mail to them. 

As well as the most recent certified letter sent to them on XXXX XX/XX/XXXX. 

They have charged me a late fee because they created a situation where the payment was approximately XXXX more every month. They continued to bill me and still are doing so for 3 months now. 

There was an overpayment of the taxes which I had refunded to me. I now need the overpayments because they are billing extra amounts that they claim is because the shortage was not pain in full there for the are billing me monthly installments creating continued violations of the above mentioned laws as well as FHA laws and/or any other laws that are applicable. 

Section 10 clearly says Each month the lender may require a borrower to pay into the escrow account no more than XX/XX/12 of the total of all disbursements payable during the year, plus an amount necessary to pay for any shortage in the account. In addition, the lender may require a cushion, limited to no more than XXXX of the total disbursements for the year. 

The lender must perform an escrow account analysis once during the year and notify borrowers of any shortage. Any excess of {$50.00} or more must be returned to the borrower. 


Last year they did the same thing creating an overage of over 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 2023-01-26 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: KS

Complaint narrative:
There is a few different situations that i've made multiple complaints about. The first being the reporting agencies are reporting false information and using my info improperly. I believe ive been a victim of fraud or identity theft because most of the inquiries i don't recognize. Ive never applied or given authorization for those companies to use my credit. Also the car dealership that i went to said they would only run my report through 1 lender and i check my credit and i have all of these inquiries which are not authorized. 

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The credit bureaus are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit bureaus written permission to furnish these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: KS

Complaint narrative:
There is a few different situations that i've made multiple complaints about. The first being the reporting agencies are reporting false information and using my info improperly. I believe ive been a victim of fraud or identity theft because most of the inquiries i don't recognize. Ive never applied or given authorization for those companies to use my credit. Also the car dealership that i went to said they would only run my report through 1 lender and i check my credit and i have all of these inquiries which are not authorized.

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The credit bureaus are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit bureaus written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This timeline is regarding Venmo XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX submits a {$450.00} security deposit via Venmo for a vacation rental made through booking.com XX/XX/XXXX XXXX XXXX checks out and upon immediate inspection there is a clogged and inoperable dishwasher and a broken bed. 
XX/XX/XXXX {$430.00} in expenses were incurred due to repairs to the dishwasher and bed and {$16.00} was returned to XXXX XXXX. On that same day, she filed a dispute with Venmo XXXX. The claim is never received the item. 
XX/XX/XXXX the Venmo application would not allow me to upload the photographic evidence along with the receipts so Venmo provides a link via email to do this. 
XXXX Venmo refunds her the {$450.00} WITHOUT ALLOWING me the opportunity to respond to this claim!! 
XXXX Appeal is filed due to 1 ) Venmo failing to allow me to respond to XXXX dispute and 2 ) Venmo app failure to allow me to upload the evidence. I am given until XXXX to provide this evidence. Venmo asks for photos of damage. 
XXXX A Copy of the reservation is provided to Venmo along with the written exchange in which XXXX confessing to the bed damage. Further, I also provide photographic evidence of a damaged and clogged dishwasher and broken bed slats. I also include a copy of the receipt of the appliance repair company. All of this evidence is irrefutable evidence of the damage caused by XXXX. 
XXXX Venmo confirms receipt of this evidence. 
XX/XX/XXXX After not hearing from Venmo on the evidence provided, I email to follow up. No response. I also called and am asked to email again. 
XXXX I called customer support and the email response asks me to call. I am then asked to email Venmo. 
XX/XX/XXXX I call and email Venmo due to the time that has lapse without a response. I am told that this matter will be escalated to account specialist team and to expect a response. 
XX/XX/XXXX One day after the multiple calls made, Venmo representative XXXX XXXX indicates that after careful investigation the appeal is denied. 
There was no careful investigation because there was no response from Venmo for months until I started to press for a response from Venmo. Secondly, the evidence of the photographs, the receipt, and the WRITTEN CONFESSION from XXXX herself that she damaged the bed should be enough evidence to prove without question that the damages were incurred and that as such I have a right to be reimbursed for these damages. The guest did receive the item, in this case a reservation with a security deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26 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: Revco Management, LLC
State: FL

Complaint narrative:
I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " REVCO '' to provide a breakdown of fees including any collection costs and medical charges, Provide a copy of my signature with the provider of service to release my medical information to them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as I'm 100 % sure it is inaccurate. They have failed to provide any of it and I'm requesting you step in to help resolve the issue. I have attached the letter that was sent to them 3 separate times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 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 XXXXXX/XX/XXXX, 15 USC 1681 section 602 A states I have the right to privacy.

15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) states 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 innaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 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 XXXXXX/XX/XXXX, 15 USC 1681 section 602 A states I have the right to privacy.

15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) states 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 innaccurate.

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