vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance to the Fair Credit Reporting Act.

This creditor have violated my rights.

UNDER 15 USC 1681 section 602 states i have the right to privacy.

UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions.

UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: WA

Complaint narrative:
None of my accounts wit equifax are correct, they either show past due balances or incorrect balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: 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 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 2023-04-18 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: WI

Complaint narrative:
Based on my dispute with XXXX XXXX " XXXX XXXXXXXX XXXX '', which has been negotiated with CFPB months ago, and concluded with XXXX XXXX admission that was done in error in charging for unearned services- Equifax still reporting " Serious Delinquency '' and Lack of Recent Installment Loan. The issue of delinquency has been discussed with the three Credit Monitoring Vendors, but with no avail. With regard to " Lack of Recent Installment Loan '' I have no idea what they are talking about, as I have nothing to do with any loans or payments issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: Security Credit Services, LLC
State: TN

Complaint narrative:
Security Credit Services is report an account for XXXX with a balance of {$450.00}, but they have sold the account, by their own admission, to XXXX XXXX XXXX XXXX XXXX Because they no longer have any rights to this debt and it has been sold, I have requested that I be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: OH

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 Acct # 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The Debt was originally from XXXX XXXX and Midland Collection Agency bought it, its over 9 years old and was going to be a charge off they sent me fake court documents and were yelling at me, I called XXXX XXXX they are removing the bad report but Midland is still Harrassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: 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 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 2023-04-18 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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
We have filed complaint after complaints with the Cfpb. I have sent documentation after documentations. Every time I show that Wells Fargo has lied and still is lying. I sent in XXXX XXXX recites One in 2007 literally I had already said I paid. 
The simple fact is from time we started payments they were already stealing r them. They have been fined for exactly what I have sent in as proof! When will the cfpb actually hold wells Fargo responsible for the years and years of blatant fraud? I have shown payments from my bank and XXXX XXXX. Every complaint has stated they only can go back 7 year!!! 
Now shes telling me she needs bank statements from 2007?? Literally the XXXX XXXX recorrds as to where our ez payments where. To be told wrong number. Its XXXX XXXX and white! When do we Wv get any help from the cfpb?

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 2023-04-18 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I have been a long term user of Citibank Costco card and have always paid my bill in full every month. Recently while I was traveling, I received notice that my payment for the XXXX bill was past due. I contacted customer service about this and tried to view the bill on line. The Citi policy apparently is that a customer who is late, no longer has the " privilege '' to see the bill on line. I wanted know the total for the month of XXXX. I was not given the amount of the balance and denied access to view the bill. I wasn't told what to pay to clear the balance, only the current installment. 
It is clear Citi was not interested in clearing the balance but rather to set up installment charges. As a result I was charged late fees and interest totaling {$100.00}. This can't be l

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 2023-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Thunderbird Collection Specialists, Inc.
State: CA

Complaint narrative:
I asked for verification of the debt owed to Thunderbird Collection ( because I have no idea what they are talking about ) years ago and have never received anything but continued threatening calls. Eventually I asked them to cease and desist further communication with me and they started calling my XXXX XXXX  mother and telling her I have a bogus debt and threatening her as well. This has to stop!

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 2023-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI

Complaint narrative:
My fiance XXXX XXXX and I have a mortgage with Lakeview loan number XXXX. In XX/XX/2022, we received a notice from Lakeview that our taxes were not paid and they were increasing our mortgage payment to compensate to pay the back taxes owed. When we looked on the Lakeview portal we could see our quarterly tax disbursements for the following amounts : XX/XX/2022 XXXX, XX/XX/2022 XXXX, XX/XX/2022 XXXX, XX/XX/XXXX XXXX XXXX, and XX/XX/2022 XXXX. But despite these payments being made, Lakeview forced us to pay almost XXXX  extra each month for several months. I filed a complaint with the XXXX and CFPB and this pushed Lakeview to research the issue. XXXX and I researched on our end with our closing attorney. It appeared that the taxes were being paid on our condo association and NOT on our condo unit. As such, after the two regulator complaints were filed, Lakeview contacted us and advised an overage of approximately XXXX was due to us and we were sent a refund. Now, a few weeks ago, we received notification from Lakeviews servicer XXXX that we owe XXXX which is the exact amount of the 5 quarterly disbursements made on our account. Again, it appears that they never corrected the tax amount that was misapplied. Dealing with Lakeview and XXXX is a complete nightmare. I also tried to reconcile the amounts using the payments made on the Lakeview website under our loan account but its impossible to do so with the way they reported our payments. I also asked Lakeview to perform an audit on our account to ensure everything was corrected but they failed to do so. Please address this issue as we will never get this resolved with them unless we double pay them another XXXX when we already paid the taxes owed on our property.

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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Dave Operating, LLC
State: CA

Complaint narrative:
XXXX banking app held up my deposit of XXXX and would not resolve that matter I filed a complaint with XXXX and I. Retaliation they closed my account and I still don't understand what there doing with the XXXX I had my husband deposit into my account I have proof XXXX XXXX deposited the funds I to my XXXX banking app account. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
Good afternoon, Here is what happend. XXXX XXXX wired the funds in the amount of {$2700.00} to AmeriHome Mortgage Company. Once received by Amerihome, there was a payoff shortage caused by an overdraft in my escrow account due to a tax payment. Taxes were confirmed as paid so XXXX XXXX  voided their tax check and sent a check for the shortage to Amerihome. However, Amerihome deposited the check and paid my loan in full. 
XXXX XXXX then wired the shortage of funds to Amerihome. AmeriHome Rejected this wire as the loan was paid in full. The wire was sent two different times to AmeriHome both times being rejected since Amerihome was showing my loan was paid in full. 
The overage of funds were wired to me on XXXX in the amount of {$2700.00} by XXXXXXXX XXXX since it was belived AmeriHome was paid in Full. 
After this is when the check that was void by XXXX XXXX was rejected by Amerihome 's Bank leaving the balance owed to me. Now, I receive a letter last week from AmeriHome dated XX/XX/XXXX ( The only communication I have received from them ) sayingthat my loan is not paid in fulll and that I owe AmerHome {$2700.00}. by XX/XX/ or adverse credit reporting will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
Have sent Phoenix Financial XXXX ( XXXX ) written requests ( XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ) in addition to the XXXX phone calls requesting VALIDATION of the accounts that they've placed on my credit report. During the call They have not responded to and have NOT provided me with ANY of the requested required documentation that I'd listed in the letters. Yet, on XX/XX/XXXX they'd contacted the credit reporting agencies, certifying the accuracy to the disputed accounts listed. 

During a call on XX/XX/XXXX, I was told that it was for services in XX/XX/XXXX and that if I could not pay, just wait because it is due to be deleted in XXXX of XXXX. I then wrote the second letter and included a copy of a Police report for possible identity theft. 

There were XXXX ( XXXX ) accounts. XXXX for {$100.00} and the other is for {$800.00}. for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: VA

Complaint narrative:
I have never given any of the following companies ' permission to access my credit report in any capacity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these companies will be able to provide any written or verbal documentation stating they have my permission to access my credit report. 

Also, 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 have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: TX

Complaint narrative:
Im accordance with the Fair credit Reporting Act XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights 15.U.S.C. 1681 Section 602 A states I have the rights to privacy 15.U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2023-04-18 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: RI

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 U.S.C. 1681 Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Acct # XXXX - {$10000.00} Account Name : XXXX XXXX XXXX - XXXX XXXX XXXX. at XXXX XXXX - Acct # XXXX - {$2800.00} Account Name : XXXX XXXX - Acct # XXXX - {$200.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX - Acct # XXXX - {$120.00} Account Name : XXXX XXXX XXXX  Acct # XXXX - {$700.00} Account Name : XXXX XXXXXXXX XXXX - Acct # XXXX - {$2400.00} Account Name : XXXX XXXX  - Acct # XXXX - {$4000.00} 15 U.S.C. 1681 Section 602 ( A ) states, I have a right to privacy. 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ). In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, or any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 -2 ( 2 ) ( 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 2023-04-18 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: RI

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 U.S.C. 1681 Account Name : XXXX XXXX XXXX XXXXXXXX - Acct # XXXX - {$10000.00} Account Name : XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Acct # XXXX - {$2800.00} Account Name : XXXX XXXX - Acct # XXXX - {$200.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX - Acct # XXXX - {$120.00} Account Name : XXXX XXXX - Acct # XXXX - {$700.00} Account Name : XXXX XXXXXXXX XXXX  - Acct # XXXX - {$2400.00} Account Name : XXXX XXXX  - Acct # XXXX - {$4000.00} 15 U.S.C. 1681 Section 602 ( A ) states, I have a right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ). In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, or any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 -2 ( 2 ) ( 1 ) A person shall not furnish any information relating to a consumer, to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not Account number I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time.is my understanding that you must verify these items with the reporting agency .if they are unable to provide the proof or if lacking proof of these payments being late.please update my payment history to XXXX status paid as agreed never late according to consumer protection law.

Company response to consumer: Closed with explanation