vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 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: RI

Complaint narrative:
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 all these inquires are from auto dealers i did not authorized please help thanks

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 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am filing this Complaint on behalf of my client, not myself. My client was denied a Trial Loan Modification on XX/XX/XXXX by his Mortgage Servicer, SPS. The reason given for the denial by the Servicer was that " in performing our underwriting of a potential Modification, we could not reduce the principal and interest payment or the payment reduction achieved did not meet the payment reduction required for the account. '' On XX/XX/XXXX, I submitted a timely Appeal of the Denial of the Trial Loan Modification. In this Appeal, I suggested that a payment reduction could in fact be achieved by extending the term to 40 years since there had been no term extension at the time of the prior Modification in XXXX. 

On XX/XX/XXXX, I received a response from SPS to my Appeal that reiterated what was stated in the XX/XX/XXXX letter that is quoted above in the first paragraph. There was no reference to my suggestion of extending the term to 40 years to achieve a payment reduction. 

On XX/XX/XXXX, I sent a Notice of Error or Qualified Written Request to SPS stating that there was an error by SPS in refusing to extend the term of the loan to 40 years because that would achieve a payment reduction. In addition, I suggested adding the current arrearages to the back of the loan but keeping the arrearages in a forbearance balance that was non-interest bearing which would also result in a payment reduction. I specifically requested that SPS respond to these suggestions in the Notice of Error/QWR because I believe that they had committed an error in denying my client a Mortgage Loan Modification with a term extension to 40 years and putting the arrearages in a non interest bearing balance on the back of the loan. These would have resulted in a payment reduction which SPS said could not be achieved. 

On XX/XX/XXXX, I received a response from SPS that did not acknowledge or address the Notice of Error/QWR and which did not contain any reference to my suggestions that the term could be extended to 40 years and the arrearages could be put in a non interest bearing balance on the back of the loan. Their response was that they had received similar disputes from me and that they had responded previously to these disputes. 

That is patently false. SPS has NEVER responded to any of my inquiries asking them specifically why the term of the loan could not be extended to 40 years and the arrearages put in a non-interest bearing balance on the back of the loan which would result in a reduction in the payment.

This Complaint is alleging a violation of Section 6 ( e ) ( 2 ) ( B ) of RESPA regarding the failure of SPS to respond to a Qualified Written Request and a violation of Regulation X Section 1024.35 regarding failure to respond to a Notice of Error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX, XXXX XXXX XXXXXXXX

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 2022-12-14 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: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
I reached out to the XXXX by mailing a letter XXXX  XX/XX/XXXX asking them for verification on Account XXXX I requested them to please investigate and delete from my credit report because I knew it wasn't accurate. It lacked any information about who was the debt collector reporting this inaccurate information that also violated my rights. They responded that they " verified the information ''. After they sent this I asked them to send me a breakdown of what they are alleging that I owe, the breakdown of fees, or bills and who the information came from. They DIDN'T RESPOND. I waited until to this matter was followed up with another letter from me on until XX/XX/XXXX to send a reminder letter and said they needed me to verify my identity. Which I did. On XX/XX/XXXX XXXX finally responded with who was reporting this inaccurate information and they told me Quality Recovery Systems. Being that XXXX  received my dispute back in XXXX via XXXX they were well aware of my dispute and decided to disregard my dispute AND ignore all my request for validation. They are claiming that this is a medical bill. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they haven't responded means that they couldn't verify the information and therefore not only violated FDCPA but also HIPAA. This account, account numbeXXXX XXXX XXXXneeds to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and HIPAA.

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 2022-12-14 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. I feel like I'm being taken advantage of and ignored. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please remove the accounts below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian dated XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor If you do not authenticate these accounts, I will take legal action against you. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-14 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. I feel like I'm being taken advantage of and ignored. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please remove the accounts below : 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 non-monetary relief
Consumer complaint received 2022-12-14 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: DE

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: KY

Complaint narrative:
How can someone take mine and my husband money

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 2022-12-14 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: FL

Complaint narrative:
I am intrested in disputing all incorrect information on my Experian credit report. checking my file ive noticed unauthorized information that is hindering my file. please update all the information submitted.

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 2022-12-14 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: AL

Complaint narrative:
Unlawful activity was reported on my credit report cause me to not have credit incorrect information was reported an XXXX by XXXX XXXX an XXXX XXXX XXXX debt from me that I have no knowledge sents XXXX never have no knowledge about any account XXXX allow them report this on my credit report I requested that XXXX XXXXXXXX an XXXX XXXX should be removed from my credit report due to cause me to suffer from bad credit they should be removed off my credit report XXXX not who reported this incorrect information reported me deceased illegally state someone reported me deceased I should half to go through this data breach I was exposed never received my settlement check from XXXX lease remove them off my 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 non-monetary relief
Consumer complaint received 2022-12-14 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: AL

Complaint narrative:
Unlawful activity was reported on my credit report cause me to not have credit incorrect information was reported an Equifax by XXXX XXXX an XXXX XXXX XXXX debt from me that I have no knowledge sents XXXX never have no knowledge about any account Equifax allow them report this on my credit report I requested that XXXX XXXXXXXX an XXXX XXXX should be removed from my credit report due to cause me to suffer from bad credit they should be removed off my credit report XXXX not who reported this incorrect information reported me deceased illegally state someone reported me deceased I should half to go through this data breach I was exposed never received my settlement check from Equifax lease remove them off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XXXX noted funds withdrawn from pre-existing XXXX high yield savings account to a capitol one performance savings not opened by consumer ( prior started application but decided against ) XXXX did not finish opening nor authorized transfer of funds from previous XXXX account to capitol one. 

Deceptive practice by capitol one during sign up process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts 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 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. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Collection Services, LLC
State: LA

Complaint narrative:
Account 1 : XX/XX/2020 {$14.00} Account 2 : XX/XX/2020 {$17.00} Account 3 : XX/XX/2020 {$14.00} Account 4 : XX/XX/XXXX. 2020 {$17.00} I reject your Offer to contract.I have not given my lawful authority for any non affiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication pertaining to this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 usc 1028a. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act. I would like the name and address of the original creditor. I have reasonable cause to believe that the medical facility XXXX XXXX XXXX XXXX and that you both are trying to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file for suit for intentional infliction of emotional distress.

Company response to consumer: Closed with explanation