vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request the immediate removal of the following accounts and information from my consumer report. It is imperative that the listed accounts and information should not be reported, as their inclusion violates the FDCPA and FCRA regulations. I kindly ask you to take prompt action to delete and remove these accounts and information from my consumer report to ensure compliance with the relevant laws. Your urgent attention to this matter is greatly appreciated. Thank you.

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 2023-07-31 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Harris and Harris has been calling me several times a week for collection of a debt. I have no idea what they are calling about and have asked repeatedly for the bill. 

I have never really a bill from them and they refuse to answer who they represent and what the charges are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: SC

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-07-28 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: SC

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: LA

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-07-28 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: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2023-07-28 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: LA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW

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 2023-07-28 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
I have a fraudulent account for XXXX XXXX I have reached out four times letting the company know the account is fraudulent the account number # XXXX for {$4100.00}

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 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America XXXX XXXX  over charge frauduelent check charges and restriction without consent every month for us treasury XXXX check XXXX XXXX of the month withdrawl XXXX to XXXX in fraud checks each month which is deducted out of my XXXX check that is direct deposit in all of these banks. include XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX in XXXX XXXX  and XXXX XXXX XXXX in XXXX and recently XXXX XXXX deposited my XXXX XXXX  XXXX treasurers check and payroll check into there branch in conyers without my consent from XXXX XXXX in XXXX XXXX XXXX XXXXXXXX both both took my income never had account at XXXX XXXXXXXX XXXX fraud activity my name is ms XXXX XXXX XXXX my social security numer is XXXX i am on XXXX since XXXX in XXXX XXXX XXXX born in XXXX XXXX. i do not need identity fraud american citizern and can prove it.all amounts add up to including social secuity which gave away XXXX to a family member XXXX XXXX XXXX XXXX XXXX or XXXX or XXXX XXXX from XXXX to XXXX whrn my son graduated out of school without my consent still using my information for these banks etc..mortgages credit from XXXX and selling my info. ttotalling XXXX maybe more.

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I request that you eliminate the erroneous late payment from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VT

Complaint narrative:
XXXX payed the amount reported by my mortgage company on XX/XX/XXXX. My mortgage company is still showing past due and is charging me past due charges. 
I want these past due Charges removed and I want the payments applied to my account properly.. 
payments made and not credited.. 
XX/XX/XXXX {$19000.00} XX/XX/XXXX {>= $1,000,000} XX/XX/XXXX {$32000.00} Mortgage number XXXX Right Path Servicing Attn Customer relations XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Regarding the update of case number XXXX : " YOUR COMPLAINT XXXX is a scam small company by claiming everything is free shipping and free return in 30 days on their front page to seduce customers to purchase items on their websites like those big companies XXXX  and XXXX and etc. I tried to cancel the items in 2 days when they are still in process they didn't allow me to cancel anymore and I went for return and then it suddenly showed up the return fee is going to be {$79.00} for drop off or {$83.00} for pick up. I called the customer service to refuse it they said there is no way I could refuse it I have to pay {$79.00} or {$83.00} for return. I tried to refuse it but the XXXX dropped the item off without my permit or signature. I called XXXX to refuse they told me there is no way I could refuse it I have to call the sender to pay them for refuse. I believe {$79.00} is the double shipping for both way I am being forced to pay double shipping to refuse the item I never signed it or accepted it. I called the PayPal credit card company for dispute they opened the file right away but didn't allow me to refuse the item I never opened it or signed it and didn't allow me to open a dispute on PayPal to refuse or return. Now I am forced to keep the unopened item and there is no way I could refuse or return without paying huge amount of shipping fee that XXXX trying to scam that is not in their description '' I was using PayPal credit synchrony bank for the purchase and filed a chargeback and they didn't allow me to file a dispute with PayPal for refusing or return. I don't want to hold the unwanted item that left at my door without my signature and I don't want to pay any shipping fee for refusal

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX is reporting inaccurate addresses on my credit report. I need these addresses removed from my consumer report immediately. 

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is reporting inaccurate addresses on my credit report. I need these addresses removed from my consumer report immediately. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol one is reporting late payments on my credit report and i asked to be removed the account XXXX XXXX

In accordance with the fair credit reporting act Capitol one XXXX XXXX has violated my rigths.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for our purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: KS

Complaint narrative:
Back in XXXX my mortgage loan was transferred to Selene Finance, LP from XXXX XXXX. There were cooperate advance fees of {$17000.00} applied to my account. Neither Selene nor XXXX XXXX could tell me the nature of these fees. I tried getting some explanation but no one seemed to know why those charge were assessed to my account. 
My overall outstanding principal should be a lot less, but because of these fees it feels like I have not made any progress toward my mortgage payments over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: FL

Complaint narrative:
I am writing to request the immediate removal of the following accounts and information from my consumer report. It is imperative that the listed accounts and information should not be reported, as their inclusion violates the FDCPA and FCRA regulations. I kindly ask you to take prompt action to delete and remove these accounts and information from my consumer report to ensure compliance with the relevant laws. Your urgent attention to this matter is greatly appreciated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: PA

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.

The letters are stated with items and issues.

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 2023-07-28 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: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-28 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: LA

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-28 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: PA

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.

The letters are stated with items and issues.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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