vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX  Please remove it from my credit report.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA 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 2023-06-07 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: NY

Complaint narrative:
All 3 credit bureaus are reporting COLLECTIONS from the following unknown companies ; XXXX, and XXXX. All 3 bureaus are reporting these accounts without verification from these outsourced businesses plus they show inconsistent information to each other enforcing my belief that these accounts are not mine nor have I ever created an account with any of them, so these accounts are fraudulent. Many attempts were made for validation. No response was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: NY

Complaint narrative:
All 3 credit bureaus are reporting COLLECTIONS from the following unknown companies ; XXXX, and XXXX. All 3 bureaus are reporting these accounts without verification from these outsourced businesses plus they show inconsistent information to each other enforcing my belief that these accounts are not mine nor have I ever created an account with any of them, so these accounts are fraudulent. Many attempts were made for validation. No response was sent to me.

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 2023-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX is illegally allowing/providing XXXX XXXX XXXX operating under Capital One access to my consumer reports prior to and after I requested to opt out of sharing consumer data. 

I currently do not have any accounts banking or credit accounts with Capital1, prior to XXXX, I had accounts with XXXX XXXX XXXXXXXX XXXX XXXX which were closed prior to Capital purchase of said brand. 

At no time did I or ask Capital1 for any additional lines of credit or to re-open any accounts my business was concluded with the cardholder once accounts were closed in XXXX. 

At no time did I grant permission purpose to Capital1 for any reasons in fact I sent XXXX a letter opting out of sharing data without my express written consent. 

Capital1 has illegally obtained/requested my consumer report every month from XX/XX/XXXX to present date. 

I attempted to reach out to Capital1 who refused to provide answers or cease and desist illegally accessing my consumer reports. 

I am requesting CFPB investigate and bring legal actions against both parties for illegally access consumer credit reports and enact or enforce current laws that provide consumer protection and relief from this abusive practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have been getting repeated phone calls and voicemails regarding a collection for unpaid debt to XXXX XXXX for my credit card. This is from Portfolio Recovery Agency. However when I spoke to them finally, it was said to be a mistake and I dont owe the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted experian, XXXX and transunion about the error on my account multiple times, last time being a letter sent in XX/XX/XXXX and just recently in XX/XX/XXXX. An apartment complex ( XXXX XXXX XXXX XXXX XXXX ) exposed me to toxic mold and agreed to not charge me for leaving early if I didn't sue them for the mold inhalation illness I was experiencing. They still sent a charge of about {$2400.00} to collections. They refuse to show me documentation explaining why these charges are legitimate. It has impacted my credit score since XXXX and has damaged my financial future since as it is the only mark on my credit score and it was my first apartment.

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 2023-06-07 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: LA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, LA XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA 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 2023-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Auto Credit of Virginia Inc.
State: VA

Complaint narrative:
Through the form of an application submitted for collateral in XXXX for a XXXX XXXX XXXX at XXXX XXXX located in XXXX XXXX Virginia on XXXX XXXX is where I endorsed my signature to tender the obligation. Was informed the vehicle was in excellent condition I was persuaded by the representative! Come to the realization that in XXXX XXXX according to XXXX displayed publicly on XXXX XXXX  website there has been a total of XXXX recalls including the XXXX XXXX manufactured XXXX XXXX for the expense of repair for the defaults deemed necessary. A settlement agreement was reached where XXXX issued special coverage adjustments in XX/XX/XXXX for the XXXX XXXX. Under this agreement, XXXX extended engine warranty coverage for a period of seven years and six months, or XXXX ( whichever comes first ), from the date the XXXX XXXX was placed in service should the excessive oil consumption condition emerge. It is said that owners who file a claim with XXXX for the excessive oil consumption issues shall receive free-piston assembly replacement on their XXXX XXXX with the XXXX engine or reimbursement for prior out-of-pocket repair or rental vehicle costs which would have been covered by this special coverage adjustment but I was denied service repeatedly on multiple occasions for service by this organization! I seek compensation for the damages and repairs endured over the time of accrued interests not being applied to my principles balance on behalf of the principles account for the advancements of the UNITED STATES!!!

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 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Our mortgage company, LoanCare, has been holding our insurance claim money in escrow since XX/XX/XXXX when they cashed and deposited our checks. On XX/XX/XXXX their inspector approved our home repairs at 85 % complete and after numerous phone calls they released 62 % of our money saying the rest would be released after final inspection. On XX/XX/XXXX, their same inspector came back and approved work completed to 100 %. It has now been 2 weeks since the inspection and we have not heard anything from the insurance claims department. 
We have worked tirelessly since Hurricane Ian hit us on XX/XX/XXXX and LoanCare has caused us great stress and financial hardship as we struggled to put our home back together. 
My mortgage is current and payments have always been made on time. Please help us.

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 2023-06-07 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:
Unauthorized Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07 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: LA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 15 US-CODE 1692E FA
LSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
For 2 years now I have been receiving my mortgage statement in my XXXX  account and paying within a couple of weeks and then receiving an email stating that my " payment has been received ''. It went well for quite a while. I am expecting to retire soon and wanted to pay extra on my principal so started doing that but one day I get a call stating that my mortgage is not paid. I had been paying up to 2 weeks or better ahead of the due date all this time, very consistent. They stayed very consistent with me for almost a year so I asked that it be fixed it twice and then this last time I experienced a person on the other end telling me that I had not noted how the money was to be applied therefore it was totally applied to the principal and now my monthly was late. I asked the young man to just do as they had done all these other times... it's been very upsetting. I submitted to XXXX  but it was outside their scope. I am hoping that somehow this can be resolved. I even resorted to considering refinancing but that would be entirely outragious because of the expense it would cause me. I will provide the log of statement/payment/received to the history of this mortgage. I would be so very grateful if this can be resolved.

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 2023-06-07 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: NJ

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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX XXXX  : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I got {$900.00} in Security deposit and {$900.00} a month rent from a client. She had paid rent until the moved out. I refunded the Security deposit to her in full and some portions of rent using cash app in XX/XX/2023. CASHAPP then reversed her rent payments and security deposit payments after she was already refunded the security deposits as well as rent prorations on XX/XX/2023. They did not offer me a chance to explain what the payments were for they didn't even tell me the reason the funds were removed from my account. I have legal documents, leases and ledgers to show these payments were for what she agreed and intended. 
These payments were also in my account for multiple months, and withdrawn so the funds they took where not money from her. Also one payment was from over 5 months before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: TX

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


The following personal information is incorrect Account Number : NAME : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In the month of XXXX there were several fraud claims reported on my checking account, the bank said the account holder called and reported thr claims, but I am the account holder and I never put in those claims, one of the claims was for {$460.00} which was a money order i purchased to pay my rent and I told the bank that, then there was a # XXXX amount that I was unfamiliar with and the bank had no explanation of, they released the funds from those claims as availabe cash in my account before they even did the fraud investigation, I wanted to close the account, they said no leave it open while we do the investigation. I had my online banking shut down and about a week ago I closed the account and opened a new account at a bank I had a credit card with since XXXX. In XXXX, XXXX XXXX credit card payment which I pay by debit card when I get my social security check was sent back to the bank after it sat in the balance for a week, and there was {$2000.00} in the account when I did the debit, the same thing happened with my XXXX XXXX  I got letters from the credit card companies telling me the payments came back. There was funds availavble for both transactions. During XXXX  my husband who had online access said he deposiited {$1300.00}, but no deposit was showing at the bank, There was XXXX dollars in the account and then I got a email saying my balance was low, under XXXX dollars so I logged in to see what happened, there was no record of that XXXX dollars leaving the account, customer service could give me no answer of what happened to my money, and I told them my husband claimed he put money in the account {$1300.00}, I cancelled all my husband 's XXXX transactions he had scheduled because the money disappeared., There was {$2800.00} in the account, I put through a grub hub order for {$21.00}, they showed my account overdrawn by {$1.00}, no other transactions hit the account, they had taken money out with no trace, I complained to cuastomer service, they had no answer for it. It was obvious they were purposely trying to make my account look overdrawn and insuffivient funds, I have been with them since XXXX and never had problems until recently.

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