vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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: 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. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. 

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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

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 an account without my written instructions.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Mr Cooper misapplied my mortgage funds and due to that misapplication, my credit score was negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I have tried multiple times to withdraw money from the XXXX XXXX card that was issued by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The State of California sent my Middle Class Tax Refund on XX/XX/XXXX. On or about XX/XX/XXXX, I received the prepaid debit card and I activated it that same day. Every day since XX/XX/XXXX I have tried withdrawing money from multiple ATMs using the correct PIN but the account shows a {$0.00} balance even though when I log on to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's website XXXX XXXX XXXX  My balance is still {$1000.00}. I have attempted to transfer those funds to my personal checking account but the system keeps giving me an error. Anytime I call the Customer Service line at XXXX and at XXXX, I am told that they are not allowed to assist with the issues because their employer, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is instructing the very small customer service team to hang up on all the callers calling in about their tax refund balance so that the bank can keep the funds longer. This is illegal and needs to be investigated.

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 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Your company is impairing the efficiency of the banking system, do you want to be accountable for that? You have an obligation to meet my needs. You have an obligation to conduct yourself in a manner that isn't fair and equitable to me. You have an obligation and a duty to ensure that this information is accurate and relevant. The continued reporting of such information means improper utilization of my information. 


XXXX data breach I am promised accuracy in my report based on federal law I am making this call as another attempt to have these errors corrected on my consumer report. Under 15usc 1681 all valuable accurate information should be removed as you can see in your system you can't see this information in your system I will ask all negative remarks, hard inquiries, and collections be removed.

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 2023-03-16 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: AL

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or the list of inquiries 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: CO

Complaint narrative:
I have already disputed a medical amount of {$95.00} from XXXX XXXX. The third company that was helping me out was Capio. This amount is no longer showing in my credit report. However, there is another debt collector called Asset Care trying to collect the money from me when this is already disputed. I called Asset Care to get a better hand information and all that they said was that this amount was right and it is no longer in Capio because it was sent to them. I asked them to dispute this bill amount of {$95.00} but it seemed that they did not want to do that and instead they offered me to pay {$55.00} to finish this payment when I called. I said no, I will retrieve more information about this and see what happens and so I did. I found out that this " medical bill '' is no longer in my credit report and I should not have to be disputing anything else with them but I am worried this will affect my credit score if it is not fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 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: I.C. System, Inc.
State: SC

Complaint narrative:
yes, I have contacted the company to get information on how they got my information when I have not entered into an agreement with their company I ask them to send me a validation of the debt and I have not received anything from them.

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 2023-03-16 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: Regional Management Corporation
State: SC

Complaint narrative:
yes, I have contacted the company to get information on how they got my information when I have not entered into an agreement with their company I ask them to send me a validation of the debt and I have not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
As well as having a Bank of America bank account for many years I also had a Bank of America XXXX XXXXXXXX XXXX XXXX  card for over 15 years. In that time I never missed a payment. In 2020 I decided to pay down that card to XXXX along with several other credit cards. I paid that card to a XXXX balance. Associated with that card was a {$50.00} a year fee. After having paid that credit card off to {$0.00} balance for many months I stopped looking at that account. The {$50.00} fee was levied in XXXX of 2020. I did not make any payments on that levied fee not knowing that he had been added to the {$0.00} balance of the card. I did not use this card for any purchases during this time. I did not become aware of the {$50.00} fee until I was being notified of a 2-month delinquency on the money levied to me as a fee by Bank of America XXXX They reported a delinquency on a very small amount of money that was 100 % a fee levied by them to me on a card that had a XXXX balance. This is after 15 years of never missing a payment and also having a checking account with them. I am seeking to have this delinquency mark on my credit removed but Bank of America will not entertain any goodwill removal. What can I do to have this delinquency, the only one on my credit report which was put there 100 % for a small fee levied once a year by the credit card company which I had neglected to notice after bringing the cadr to a XXXX balance and not having used it for any purchases or anything else for many months, removed?

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 2023-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I am writing this letter to request an investigation into Navients continued attempts to collect on the private student loan mentioned above, after it was cancelled as part of Attorney General XXXX XXXX XXXX with Navient ( see attached XX/XX/XXXX media release ). I am seeking a resolution where Navient immediately ceases these unlawful collection tactics and returns all illegally collected student loan payments to me. My records show that I have made {$3400.00} in student loan payments on this loan from XX/XX/XXXX through XX/XX/XXXX. 

During a telephone call today with XXXX XXXX at Navient, I was informed that Navient removed any applicable bankruptcy reference from this loan on XX/XX/XXXX. She said that it appeared a cosigner ( my elderly XXXX old mother ) had been added to the loan at some point, but that it was not clear when that happened or why she was now responsible for the loan. She could not tell whether the loan was in default or whether it was cancelled. It should be noted that we have no record of my mother ever being added as a co-signer to this loan, and Navient has failed to produce her signatures on any documents despite being asked to in letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was put on hold for several minutes, and then told to wait while being transferred to someone else who could help. After waiting on hold for over 20 minutes, Navient disconnected the call. 

My understanding is that this private loan qualified for relief under the XXXX XXXX XXXX, and that there was nothing I needed to do to receive restitution or cancellation. I never received a notice from Navient about restitution or cancellation, and since the date of the settlement they have only sent us collection letters demanding repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DRB-40, LLC
State: ID

Complaint narrative:
XXXX XXXX XXXX stated they had no debt with me yet XXXX XXXX and Diversified Recovery Bureau are trying to seek money owed after the company stated I did not owe them. I don't believe the amount they are seeking is accurate and I've not received anything in the mail and the notice is sent to my email. 
In 2021 I filed complaint against XXXX XXXX XXXX the response from them was there was no debt to them. I was XXXX  and XXXX  during this time and could not receive mail or supply any more information due to homelessness, being XXXX, XXXX  and my wife XXXX XXXX XXXX didn't receive anything. She also left the state of Idaho and has tried to bankrupt me on purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-03-16 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am disputing a credit issue related to my Truist Mortgage Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, Truist issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by Truist 's payment system, causing two delinquent payments- one in XXXX and XXXX in XXXX of 2023 - for the amount of {$2400.00}. 

Despite Truist 's customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.

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 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/24, I received a call from the Wells Fargo fraud department telling me they were verifying a {$110.00} charge on my debit card. I never use this card for purchases and I said it was a bad charge. I provided info on my debit card, including number and pin. This turned out to be a scam but I didn't realize it. The next morning, I checked my account to be sure the {$110.00} was not there, only to find a charge in XXXX for {$2500.00}. I called the WF fraud dept immediately. They provided a provisional credit. They now are saying it is a permanently closed claim and I am responsible for the money because I provided the acct # and pin. 

Obviously, this was a terrible mistake which I realized after the fact. I am a XXXX XXXX XXXX widow, have never made a purchase on this card, and have not informed WF of being out of the country, have never been to XXXX and know no one there. This charge should have been picked up initially with a phone call verifying a large charge on a card that I have owned for years and never used except as an ATM transaction. 

Their regs indicate that I have zero liability if there is stolen activity for unauthorized transactions. The account info was stolen in a scam call and I never authorized the use of my account. The letter from WF ( included as an attachment ) indicates the charge was made by me or someone who had my permission, patently false. 

WF has said they will not re-open the case. I need your help to resolve this situation where I, a consumer was scammed, and the bank is calling the result of the scam an authorized 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 explanation
Consumer complaint received 2023-03-16 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: FL

Complaint narrative:
In Accordance with the fair reporting act creditors have violated my rights. Under 15USC1681 Section 602 States I have the right to Privacy. 15USC1681 Section 604A Section 2 It also states can not furnish an account without my written instructions. A Credit reporting agency Under 15USC 166B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any 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 non-monetary relief
Consumer complaint received 2023-03-16 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: FL

Complaint narrative:
In Accordance with the fair reporting act creditors have violated my rights. Under 15USC1681 Section 602 States I have the right to Privacy. 15USC1681 Section 604A Section 2 It also states can not furnish an account without my written instructions. A Credit reporting agency Under 15USC 166B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation