vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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 the right to privayc.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Had to take a forbearance on my mortgage payments. Called Shellpoint on XX/XX/XXXX. Requested forbearance. Was assured I was covered for XXXX, XXXX, XXXX. I did not make the XXXX payment, as I was covered. 
In XXXX they informed me I was late on my XXXX payment. Since then I have gotten the cold runaround regarding the XXXX payment. They have assessed late fees as well. They refused to listen to the recording of the XXXX call. They refused to provide a copy. Now they refuse to answer ANY of my questions. 
It's all in writing. XXXX emails of them ducking the issue. They know they are wrong. They are just giving me the finger. Happy to forward the email chain and other pertinent info, but not on this public forum. They have their own copy, I insisted everything be in writing as soon as they started playing games. 
All I want is for them to honor the XXXX forbearance and drop the late fee associated with it. If you can curbstomp someone down there so they don't do it again, all the better.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unable to see credit score on Experian. No helpful assistance provided over the phone to fix the problem, even though I've used a credit card for approximately 3 years. 
Username : XXXX My troubles with Experian have delayed me from renting a house for 5 months now. I need assistance immediately.

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 2022-04-29 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, and XXXX, has violated my right.

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

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 2022-04-29 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and XXXX, has violated my right.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: SC

Complaint narrative:
I've recently got a copy of my credit report and noticed that there was an inquiry on my consumer report that I didn't authorize nor gave anyone permissible purpose to put anything on my profile. I don't recall doing any business with this company, nor have any supporting documents ben sent to me saying I ignition this inquiry or any open accounts supporting so.

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 2022-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: GA

Complaint narrative:
Over the past 5 weeks, I have received a phone call at least once a day. The calls started on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The times are before XXXX XXXX  except for one at XXXX XXXX. The calls could have started before XX/XX/XXXX, but can't confirm. I called the XXXX number on my call log and they identified themselves as a collection agency. The company doesn't leave a message, and I DO NOT have any collections against me. I have also emailed the company and attempted to fill out something on their customer service site, but only to receive an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: NJ

Complaint narrative:
In XX/XX/XXXX, there was an overdraft transaction of {$52.00} done on my Checking Account ( as a line of credit ) that did not show up on any forms of statement online banking or phone banking. Further, the paper statements were not sent to my address as the bank did not use the correct address. 

Despite being an XXXX XXXX Customer, the bank, customer care or the Relationship Manager did not care to call on my phone reminding of such transaction and non-payment of such amount for over 60 days. 

Given that I was not aware of the transaction, nor was made aware by any statement or communication, it would not have been possible for me to make any payment for such a small amount. Eventually in XX/XX/XXXX, XXXX closed the Line of Credit Account and again no information or statement was provided. 

In XX/XX/XXXX, while reviewing my credit report, I noted XXXX has reported my payments being delayed by over 60 days thereby impacting my credit rating significantly. 

I then worked with XXXX phone banking representative to deduct the amount from my checking account and refund various late payment changes. 

While talking to customer care for XXXXXXXX XXXX for multiple times, I was assured this will be rectified as the issue lies with the bank system and of no fault of mine. All late payment fees, and charges were thus reversed by the bank acknowledging this issue was with the Bank. 

I was asked to send my credit report to XXXX Business Service Division via Fax which I did per the instructions. 

Earlier this month, On XXXX XXXX, I received attached postal communication from XXXX XXXX and Loans Customer service Team dated XXXX XXXX stating that XXXX is unable to remove the delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it does state a consumer reporting agency can not furnish a account without written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and purpose.

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 2022-04-29 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:
Sharing without concent :

In accordance with the Fair Credit Reporting Act the following list of accounts below has violated my federally protected consumer rights of privacy and confidentiality : 15-U.S.C 1681 Sec. 602 A : States that I have a right to my privacy. 15-U.S.C 1681 Sec. 604 A : States that a consumer reporting agency can not furnish a account without my expressed written instructions. ( 3 separate accounts ) f
rom XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: CA

Complaint narrative:
On XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX - ( XXXX ) XXXX shows an inquiry on my credit report from Experian. There is a security freeze on all three credit reporting agency. I called XXXX and the loan was approved and furniture delivered in North Carolina. I informed XXXX, rep, that this is a fraudulent transaction. I live in XXXX 

I want to know why a security freeze did not stop the transaction...

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 2022-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: IA

Complaint narrative:
Please see attached documents as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I contacted the company with the VA to notify them that this is a billing issue. I am 100 % service connected XXXX with the Army and the VA would pay this bill is the bill were submitted properly thru the VA. This company has been persistent, has harassed my family, ruined my credit report and never notified me they would proceed forward with issuing this debt that I do not owe on my credit report. The patient advocate XXXX at the VA has repeatedly given this company protocol for getting this debt paid by the VA. They told her they would remove this from my credit report but have instead persisted with destroying my credit because their client improperly billed. There were several venues for payment including XXXX before sending this debt to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: IA

Complaint narrative:
Please see attached documents as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
Someone who I thought was a friend was really an online scammer and I sent via PayPal {$30.00} to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau Subject : CMRE Financial Service, INC-Debt Collection Account Number XXXX Reference # XXXX On XX/XX/2022, I was admitted to CXXXX XXXX XXXXXXXX XXXX XXXX I XXXX of 2022. I received a demand letter from CMRE Debt Collection. 
This letter stated I owe a balance of {$200.00}. For services rendered at XXXX XXXX XXXX. 

It should be noted that I had not received a written or electronic billing statement in the amount of {$200.00}. Prior being placed in debt collection with CMRE Financial Service, INC-.

I promptly called CMRE on a recorded line to decipher where this bill had originated. I asked the CMRE Representative if they were collecting on behalf of XXXX XXXX XXXX XXXX XXXX or another local or XXXX XXXX XXXX XXXX. 

CMRE was unable to provide this information. 
XX/XX/2022. I paid CMRE Debt Collection in the amount of {$200.00}. ( Check # XXXX ) via U.S Mail. 

XX/XX/2022 this check ( Check # XXXX ) was posted and {$200.00} was withdrawn from my checking account. I have included photocopy verification illustrating that check XXXX was indeed accepted as payment. 

XX/XX/2022, I received a second demand letter from CMRE Debt Collection. Same Account Number XXXX and same Reference # XXXX This document claims owe a balance of {$200.00}. The amount that CMRE Debt Collection redeemed as payment on XX/XX/2022. 

I continue to receive Voice Mail Messages from CMRE indicating I owe debt..

I have since contacted CMRE Financial Service, INC and requested they provide written verification that there is no current account balance owed. As of the writing of this letter this matter is unresolved. 

Should this be in the realm of your jurisdiction to Investigate and assist settle this matter I would truly appreciate it. 

Respectfully, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  XXXX/ {$500.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: VA

Complaint narrative:
In accordance with the fair edit report act : XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX / XXXX account # XXXX has violated my rights. I don not know these companies. 

15 U.S.C 1681 SECTION 602A. 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.

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 2022-04-29 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX it is still reporting on Experian. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations.

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. Experian is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report.

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 2022-04-29 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: CAROLINA FINANCE, LLC
State: VA

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. 

Carolina Finance LLC 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. 

Please provided proof of your claim XXXX I attached a copy of my credit report showing all on time payments up until job loss due to Natural disater over 3years no missed payment in a 4 year loan.

Also payments were made late night but the system did not update until next day this is no fault to the consumer. 
Lastly no notice was ever sent via mail as we do not have online statemente all 3 creditors have different info regarding this account. 

It is not possible to be 60 days late in XXXX of 2021 good standing in XXXX and back 60days late in XXXX of 2021 A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: NC

Complaint narrative:
I've checked my consumer report and noticed that there was an inquiry on my credit report that I didn't authorize which was from XXXX XXXX. I reached out to XXXX  XXXX on numerous of occasions, they did get in contact with me an sent me a document stating that they will contact the bureaus to delete the inquiry, the inquiry was deleted from XXXX and XXXX but still appeared from my Equifax profile. Equifax is not complying and deleting the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX / {$690.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/2021 XXXX XXXX XXXX$550.00} / XX/XX/2021

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 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/202XXXX XXXX XXXX XXXX$550.00} / XX/XX/2021

Company response to consumer: Closed with explanation