vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 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: IN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2022-11-30 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: IN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2022-11-30 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2022 I sent Wells Fargo Auto a letter they requested in order to remove a hard inquiry they made on my credit. I initially disputed the hard inquiry in XX/XX/2022 when they sent me a letter stating they ran my credit. Application # XXXX. On XX/XX/2022 after not receiving any acknowledgement of my request I sent a certified letter disputing the hard inquiry, On XX/XX/2022 I finally received a response stating they would not remove the inquiry. On XX/XX/2022 I received another letter after filing a complaint with CFPB requesting documentation from the dealership stating the credit application was processed in error. Case # XXXX. I have submitted the letter from the dealership and they still have not removed the hard inquiry. Letter was submitted directly to XXXXXXXX XXXX XXXX  the XXXX XXXX Management Office In regards to XXXX XXXX XXXX XXXX, Ref # XXXX, I have not received any acknowledgement they received the letter from the dealership nor have they removed the hard inquiry. 

The dealership letter was sent to both companies with their respective case numbers and neither have removed the hard inquiries. 

Also, I did request documentation showing my signature on supposed credit application and neither produced anything with my signature which violates my rights under the credit reporting 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
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
On XX/XX/22 the company stated they would have their trade line deleted from all consumer reports, however that has not occurred. Instead the CRAs are stating the account has been verified. How is the account being verified when the company failed to provide me with validation of the inaccurate reporting? Ive asked to be sent line by line itemization of how and when my credit limit increased from {$350.00} to over {$1000.00} and have not been sent anything. The company states they are not able to provide any assistance to this account because its not in their possession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I had lost my job last year in XXXX. Flagstar bank offered me a forbearance and said do not worry, when you are able to resume payments, they will give me XXXX of their reset options. Well now that I have income, they will not reset my loan at all. I call them every single day and they give me different answers each time. It's as if they want me to lose my home. Not even the VA can help. I'm a XXXX XXXX with XXXX children and these guys don't care at all.

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 2022-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
My XXXX and I were in the process of applying for mortgage forbearance with Carrington Mortgage LLC. Prior to submitting the official application, I called and spoke with a customer service rep who made it very very clear that we would be approved for the XXXX month mortgage forbearance. She said things along the lines of we will have no issue being approved for the forbearance, and that just about anyone that applies is getting approved. I hope their lines are recorded because it was about a XXXX minute conversation with her guaranteeing this. We ended up being denied, even though we were being affected by covid due to the insane inflation, which has made the cost of our essentials significantly higher than they had ever been. On top of that, we had to have an entire water filtration system and waster softener installed in our home. 

At the time of the application denial, we were almost XXXX months behind on our mortgage. Instead of a XXXX month forbearance, our application was pushed through to some other solution they call a loan modification. This included XXXX paying a modified mortgage amount of {$300.00} MORE than our current mortgage we were already having a hard time paying. We had to accept this offer or pay XXXX  months worth of late mortgage payments. Now we're struggling ever more. We XXXX XXXX qualified for the mortgage forbearance because of the XXXX XXXX and the Economic Impact. To top off the additional {$300.00} extra we're having to pay on our current mortgage, they're not allowing us to pay through their website which leaves me to pay through services like XXXX, XXXX XXXX, and XXXX checks through my bank. All of the fees associated with the services just mentioned add up to another almost {$100.00}, putting us almost {$400.00} over out normal monthly payment we were already unable to make. 

When I called Carrington after receiving the forbearance decline, they did absolutely nothing about the person who gave me false hope in thinking we would get a short break from our payments. This entire situation has causing significant XXXX XXXX XXXX, even more financial hardship than we were already having, and sending my XXXX and I into a state of XXXX. Carrington made us an insane promise over the phone, let us down, are taking more money from us each month, and they seem more than happy to do it. We have a XXXX year old child we need to take care of, and we feel like we'd been robbed of our right under the XXXX XXXX and are not able to get back onto our feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: RI

Complaint narrative:
Received a Text XX/XX/XXXX at XXXX XXXX  from Central Portfolio Control IncXXXX, regarding a matter that their office is handling. I click the link and add the agency XXXX  XXXX. It then brings me to an account that states I owe an alleged debt for {$10000.00}. The Original Creditor was XXXX XXXX XXXX, assignee of XXXX, who previously charged off the alleged debt. I have no contract with Central Portfolio Control Inc . I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between Central Portfolio Control Inc. and XXXX XXXX XXXX, assignee of XXXX, about me is in direct violation of my privacy per the Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: IN

Complaint narrative:
In XX/XX/2022, I had gone to the ER for medical-related issues. Afterward, I had my bill fully covered by my health insurance company. Being said that, I had received a call from debt collection of an unpaid medical bill which had already been paid ( and settled with my hospital & insurance company ) however it had brought my credit score down by XXXX. It had originally been XXXX, which was then taken down to XXXX or so. I've resolved everything with my insurance company and hospital however I still have yet to fix my credit score as this was used against my credit score for no fault of my own. I am trying to apply for an auto loan which I no longer qualify for due to this mishaps due to collections affecting my credit score to an already paid medical bill. Please get back to me when possible. I am very upset by the downfall of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: GA

Complaint narrative:
This is not my account spoke with XXXX @ Equifax to remove account from credit report as this is not my account Account Number XXXX XXXX XXXX Reported Balance {$67000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: IA

Complaint narrative:
We received a " XXXX XXXX '' prepaid debit card as a gift last year. I always use prepaid gift cards on XXXX to get rid of them ASAP. This one would not work on XXXX, so I attempted to " register online '' as suggested on the back of the card to rectify. 

Long story short, before I knew it, I had inadvertently signed up for a more official prepaid credit card to replace the gift card. Upon realizing this, I figured I'd just use up the prepaid amount and cancel the card. Once I used the card, though, I quickly realized they charge a transaction fee, varying based on where it's used, and that the balance could fall below {$0.00}. 

Since I could not cancel the card with a negative balance, I was forced to " reload '' the card again to get to a positive balance and pursue canceling the card. It was then that I realized that Serve requires *exactly* a {$0.00} balance on the card to cancel it.

The problem with this requirement is : ( 1 ) it's almost impossible to calculate how to spend it to exactly {$0.00} given varying transaction fees, ( 2 ) they also deduct a maintenance fee every few months, and ( 3 ) their phone support people offered *no* other options and don't seem honest about what's going on or how they have " helped '' you.

At any rate, after calling them multiple times, I finally got them to offer refunding my card balance by check ( via mail ) so that I could cancel the card. I have never received this check, despite calling them at least 3 times and being promised it within 10 days each time.

On top this, if/when my balance is {$0.00}, they still require that I call back separately to actually cancel the card. I have zero confidence cancellation would happen before they had chance to charge me another maintenance fee, making my balance non- {$0.00} ( and now negative! ). If true, then the cycle continues - reload, spend to {$0.00}, attempt to cancel...

I laid all this out to them on the phone. They remained unwavering to the possibility of cancelling until my balance is {$0.00}, though. Nor did they send *any* promised email verifications of my requests and/or their processing of them. ( E.g. notification of the check they were to send for the balance. ) As such, this seems a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX vears. 

15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: WA

Complaint narrative:
I opened an account with US Bank a few months ago, i was told once i do 2 direct deposit for total no less than {$4000.00}, i would get {$400.00} promotion, and i did that, the last few months, i contacted them several times, agent told me i have met the requirements, and the reward would give to me, i even received a paper letter on XX/XX/XXXX, said the reward would give to me by XX/XX/XXXX On XX/XX/XXXX, i contacted them, they promised would give me the reward, told me to wait till XX/XX/XXXX, but i still havent seen the reward, so i contacted them on XX/XX/XXXX, they said sorry you didnt meet the requirements.

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 2022-11-30 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: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I got an alert for a missed payment from XXXX XXXX  regarding FNB OHAMA account. However I have no knowledge of this account. I called FNB OHAMA credit card department on XX/XX/2022 and spoke to a representative her name is XXXX her ID number is XXXX. She said I dont have an account and or no business established with Them. Please I need this matter resolved and taken off my credit report because it reflects a negative mark.

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 2022-11-30 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: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
ACCOUNT NAME : BULL CITY FINANCIAL SOLUTIONS ACCOUNT NUMBERXXXX ACCOUNT TYPE : COLLECTION DATE XXXX XXXX BALANCE XXXX ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX Disputed this Account and the debt wasnt validated or corrected. I never gave them permission to furnish any information about any alleged transactions which is invasion of privacy pursuant to 15 usc 6802, Also I never received the reinvestigation details to confirm investigation. I never received any agreement with my signature saying I agree to this debt. And see 15 U.S. Code 1666b - Timing of payments which shows direct violations of my rights Also I am aware thats I am the consumer original creditor and my credit card ( social security card/certificate of indebtedness was used and Im aware that canceled debt would be reported on a Form 1099-C as it is considered income and might be taxable so how can it be a debt. See 15 usc1681EB where it prescribes maximum accuracy on consumer reports which is proof of violations. Their are laws which protect me the consumer and penalties for violations 42 U.S. Code 408 - Penalties which is another violation by falsely misleading and representing and attempting to assign collect or enforce an in fact frivolous fraudulent and false debt which is a obligation of the United States pursuant to 31 U.S. Code 3123 and also see 18 usc 8. Also article 1 section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility so what would be my options to repay this alleged debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. They did not provide me with the original contract like I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX 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