vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have been a victim of Identity theft. I have been desperately trying to get these collections deleted off my consumer report from Portfolio Recovery so I can be approved to but me a home this year. 
However, the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did authorize or consent for any person or agency to put this debt on my consumer report. Please in good for of my consumer rights please remove and permanently delete all negative accounts and inquiries from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I use to have a mortgage with this company, but they were completely paid off in 2020. They keep reporting to my XXXX, XXXX, and Transunion credit report as an open account even though it is an closed & paid in full account. They are ruining credit score and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of 2020. Also, they are reporting each month to my credit report 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 non-monetary relief
Consumer complaint received 2023-01-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I use to have a mortgage with this company, but they were completely paid off in 2020. They keep reporting to my XXXX, Equixfax, and XXXX credit report as an open account even though it is an closed & paid in full account. They are ruining credit score and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of 2020. Also, they are reporting each month to my credit report as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: GA

Complaint narrative:
I use to have a mortgage with this company, but they were completely paid off in 2020. They keep reporting to my Experian, XXXX, and XXXX credit report as an open account even though it is an closed & paid in full account. They are ruining credit score and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of 2020. Also, they are reporting each month to my credit report 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 2023-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
I reached out to New American Funding to gather information about a home equity loan on XX/XX/XXXX. I explained to the agent I was working and that the call was going to be short due to my work obligations. The agent agreed to call me back on XX/XX/XXXX to continue the conversation and answer questions. On XX/XX/XXXX I received an email from the agent 's XXXX asking how my loan process was going. I responded the agent never called me back. On XX/XX/XXXX my wife and myself both received alerts that a hard inquiry credit check was performed. The agent called me after the unauthorized credit check ; I returned the call and advised I never gave him permission to pull credit. I later spoke to the XXXX and filed a complaint. The XXXX later called me back, stated he reviewed the original call with the agent, and stated he agreed that I never authorized the credit check. The XXXX advised at this point customer service will take over. That evening I received a call from customer service that was later transferred to the XXXX XXXX ( XXXX ). The VP would not acknowledge any wrongdoing and stated I implied permission to pull credit checks on my wife and myself. The XXXX denied FCRA was violated. I asked for compensation to correct the issue myself and was denied. The VP advised the only help XXXX XXXX XXXX will offer is to correct the issue with the credit bureaus themselves and that it would require me to authorize power of attorney so they can operate on my behalf. 
I never gave verbal or written permission for my credit check to be pulled. 
At no time in this process did anyone speak to my wife and she never gave verbal or written permission for her credit check to be pulled.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Dispute 1 : Nationstar Mortgage XXXX Mr. Cooper XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX, XXXX XXXX. Unauthorized account review, XX/XX/XXXXXXXX. There is an ongoing civil court matter pending with this company. 

Dispute 2 : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized account review ; XX/XX/XXXX, XXXX XXXX XXXX XXXX  and XX/XX/XXXXXXXX. This account was charged off and closed XX/XX/XXXX XXXX. 

Dispute 3 : XXXX XXXX ins. XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX. Unauthorized account review. XXXX XXXX, XXXX  Dispute 4 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CORELOGIC INC
State: NV

Complaint narrative:
I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDCO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDCO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
Dispute 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized account review, XX/XX/XXXX. There is an ongoing civil court matter pending with this company. 

Dispute 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Unauthorized account review ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was charged off and closed XX/XX/XXXX. 

Dispute 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized account review. XX/XX/XXXX Dispute 4 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK
State: NY

Complaint narrative:
Dispute 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized account review, XX/XX/XXXX. There is an ongoing civil court matter pending with this company. 

Dispute 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized account review ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was charged off and closed XX/XX/XXXX. 

Dispute 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized account review. XX/XX/XXXX Dispute 4 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: IL

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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a medical debt that is XXXX and all 3 credit reporting agencies XXXX, XXXX and Transunion all stated and show on their websites that medical debt under {$500.00} will no longer be reported yet they will not delete this bill that is in collection and under XXXX as of XX/XX/XXXX XXXX all state this debt shouldn't be reported after XX/XX/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 2023-01-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a medical debt that is XXXX and all 3 credit reporting agencies XXXX, Experian and XXXX all stated and show on their websites that medical debt under {$500.00} will no longer be reported yet they will not delete this bill that is in collection and under XXXX as of XX/XX/XXXX XXXXThey all state this debt shouldn't be reported after XX/XX/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 non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Convergent Outsourcing is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Convergent Outsourcing has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Moreover, Convergent Outsourcing, has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very concise as to the Civil liability and the remedy available to individuals ( Section 616 & 617 ) if companies fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: MI

Complaint narrative:
TransUnion is causing me DEFAMATION OF CHARACTER reporting false information on my consumer report defaming my character and also violating the FAIR CREDIT REPORTING ACT by failing to Remove the fraudulent inquiries in which I havent gave my written instructions meaning theres NO PERMISSIBLE PURPOSE which is violating 15 USC 1681b .. You are obligated to report maximum accuracy information as the banking system is dependent upon it!! The CFPB REPORT states your company is cutting corners and not abiding by the law for you profiting benefits in which you fail to abide by FEDERAL LAW IN WHICH YOUR REQUIRED!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022, I fell victim to a text based phishing attempt that eventually ended up with me being defrauded of {$22000.00}. 
The text appeared to be from Chase and involved me replying to the text saying No to a supposed wire transfer attempt. A person claiming to be a Chase XXXX XXXX member called immediately and through the process ( for which there are a lot of details I can provide ), I ended up wiring {$22000.00} to the fraudster and Chase couldnt get the wire recalled. I continued to contact Chase, explaining the reasons why my situation should be investigated, and their canned reply was that I would have to pursue the matter outside of Chase. The recipient bank of the fraudster, XXXX XXXX XXXX wanted a Hold Harmless letter to send the funds back, but Chase XXXX have one. 

Where my complaint comes from : 1. Chase didnt immediately lock my accounts. This has been their normal process and when my mom tried to send me a XXXX payment for {$5000.00} to cover a mortgage payment I could no longer afford due to the fraud, Chase ( her bank, also ) immediately locked her account and declined the transfer until she called them and gave permission. 

2. I received an email that the fraudulent transfer had been initiated, followed by an email that the transfer was canceled. Thats what I would expect. 
However, 2 hours later I received another email saying that the wire transfer had been processed. 

The stated wire transfer recipient is me, but spelled XXXX XXXX. This is due the fraudster manipulating me via phone to submit the wire transfer. The recipient was listed to be me. In the body of this same email, it later says that the recipient is XXXX XXXX. This is due to the recipient field being pre-populated with XXXX recipients via a drop down menu, of which one was XXXX XXXX. I always thought I was wiring myself to recall the transfer. 

XXXX. Ive spoken to so many different Chase reps, XXXX visits to the local bank and via secure messaging with multiple internal teams and my case was closed XX/XX/XXXX with me being out {$22000.00} with no recourse other than to take them to arbitration/sue for negligence. 

Chase not only failed me by their internal processes failing and/or not being followed, but failing to detect what is an obvious breach of my online account. Subsequently, Chase also showed XXXX effort to investigate what actually happened because the transfer was initiated by me, even when I told their wire team exactly what happened. 
They couldnt even provide a letter that possibly would have gotten me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received an email at XXXX AM XX/XX/23 from both XXXX and my XXXX  credit subscription that someone filed a hard credit inquiry with XXXX XXXX XXXX which XXXX turned up as XXXX XXXX XXXX XXXX I went to sleep XXXX hours prior to this, so I know it was not me who requested it. I worked with XXXX to have this removed from my XXXX account, but it is still active on my other accounts. I reached out to Comenity Bank, responsible for the credit card company associated with my hard inquiry, but they are unable to help me without an account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: CA

Complaint narrative:
You are in violation of 15 U.S. Code 1692g - Validation of debts and under the National Consumer Assistance Plan ( XXXX ) mandated that on XX/XX/XXXXXXXX XXXX XXXX XXXX effective date that all medical debts equal to or less than the amount of {$500.00} is to be removed from any and all credit reporting agencys. Im protected under this law made in affect by the Biden administration that was put in place to protected classes as myself and this company is not in compliance to this law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I paid XXXX XXXX XXXX {$200.00} in cash. They applied to the wrong account. I provided written evidence of the mis-application and XXXX XXXX XXXX acknowledged in writing they had made a mistake. I have called them 32 times without resolution and they are still reporting the {$200.00} due on my credit report causing material harm to my credit and preventing me from obtaining credit I would have otherwise obtained had their improper collection had not appeared on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion would not let me freeze my report for days while my information kept being used to try and open fraudulent accounts and when I called and messaged them they refused to be any type of help although I offered to submit my ftc report along with other documentation that the situation had been happening and that those items in my credit file where a result of it. Not only is this situation extremely stressful and nerve wrecking because its messing with my life but to add on the people that are suppose to assist along with their website are making things even worse and have their websites down for weeks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Good Evening Let me start thank you for being a resource. I will be brief I started off mailing OCWEN mortgage payments via postal service beginning of month but come end of the month they weren't being posted on time which was causing late fees and also being reported late to Credit Bureau. Which caused concern since this method of payment didn't work I suggested setting up Auto payment with them figuring this would solve issue to no avail now I still having issues One minute I'm current the next they're not requesting payment from bank on time but telling me I'm current submitting bogus reporting to Credit Bureaus. 
Please Help XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation