vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 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: VA

Complaint narrative:
XXXX XXXX XXXX broke several of laws reporting a collection on my credit report did not notify me before reporting., violated my Hippo rights and there things they should not know about my medical records..I didnt give written permission to put anything on my credit report and demand removal I have a call log of all the calls I tried to reach out to this company to talk to a supervisor I ask 9 times I havent got a call back and they hung up on me I left several messages no return calls this is my credit report my life there has damage Finacial I just close on a house and this cause me to pay XXXX more because this collection that was done with improper protocol.. collection debt is {$3900.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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:
XXXX XXXX XXXX broke several of laws reporting a collection on my credit report did not notify me before reporting., violated my Hippo rights and there things they should not know about my medical records..I didnt give written permission to put anything on my credit report and demand removal I have a call log of all the calls I tried to reach out to this company to talk to a supervisor I ask 9 times I havent got a call back and they hung up on me I left several messages no return calls this is my credit report my life there has damage Finacial I just close on a house and this cause me to pay XXXX more because this collection that was done with improper protocol.. collection debt is {$3900.00} 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 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
The company name is XXXX case ID : XXXX about the transaction # XXXX and the payment I made unknowingly to a nonexistent company called XXXX XXXX. For {$85.00} on XX/XX/2022 to get a generator that will not ever come because the company doesn't exist at least when i call the number. Please also see attached video for more information.

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 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hard inquiries that are not mines on XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXXXXXX 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 2022-08-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hard inquiries that are not mines on XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hard inquiries that are not mines on Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
I received my background check and it stated that my most last criminal charge that was on XX/XX/XXXX in XXXX XXXX XXXX wasnt filed until XX/XX/XXXX in XXXX XXXX. My charges are all out of XXXX XXXX XXXX. That charge was filed on XX/XX/XXXX. I served XXXX XXXX XXXXXXXX and was given 4 years probation in which i terminated successfully in XXXX of XXXX. I am upset it states that nothing was filed or done with this case until 3 years after the fact and in a county i never have been arrested in. I transferred my probation from XXXX XXXX XXXX to XXXX XXXX for about 5 months and then switched back. Ive worked hard to get to where i am with my past behind me and having that on my background check can look like its only been 3 years to someone that doesnt understand the terminology used. Plus it also is just incorrect all together. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: CLGF Holdco 1, LLC
State: GA

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 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: IN

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 sec 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This has all cause a drastic drop in my score and unwanted hardship Im a time of need I deserve better I earned it no matter what the reporting is showing

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 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARC Management Group, LLC
State: FL

Complaint narrative:
My latest credit report shows 1 credit collection that I do not recognize with the above company! I did not authorize this establishment to receive my information and I need this removed immediately from my credit report please & thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I have explained to these agencies XXXX, XXXX and XXXX that the closed accounts in dispute are not mine and that these accounts were opened fraudulently but yet they keep claiming that they are not. They have not provided any information from the creditor with a liquid signature that I opened these accounts. The accounts in questioned are for XXXX Bank, XXXX, XXXX XXXX and XXXX Bank. XXXX did go ahead and removed these accounts. However, XXXX and XXXX have not. These accounts are fraudulent and I never opened them. I pay all my creditors as you can see from the other accounts I have credit which are XXXX  XXXX, XXXX XXXX  which I have two accounts with now and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: John C. Heath, Attorney at Law, PLLC
State: IN

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 sec 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This has all cause a drastic drop in my score and unwanted hardship Im a time of need I deserve better I earned it no matter what the reporting is showing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My bank sent my mortgage to a lawyer for foreclosure as I was talking to the bank 3 times a week, making partial payments and being told the loan will not be foreclosed on. The bank told me, every conversation was documented and recorded, this will be easy to prove. When I asked why I was not told it was going into foreclosure the bank said " How where we supposed to know? '' and I asked then how was I supposed to know! The foreclosure lawyer charge me {$2700.00} in fees. I have paid this loan in full including the extra fees, but would like to at least be reimbursed for the extra fees. I was lucky my balance was small enough to pay off. There are going to be a lot of people who's balance will be to much to pay of and this bank is going to steal their homes!

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 2022-08-26 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my writing instructions. 

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

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 2022-08-26 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: CITIBANK, N.A.
State: GA

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 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit 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 explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Started : called my phone I had as a contact marked " House '' my mortgage payment phone number. XXXX Told me they could modify loan 1. Pay escrow 2. Three trial payments in 2 months period 3. If meet then I would have new payment amount new interest rate and added to back of loan. I had signed up for forebarance with specialized and they ( scammers ) told me the dates correct XXXX to XXXX and they are calling in XXXX seemed right. Told me taxes were XXXX they needed XXXX XXXX prepaid cards. I bought 3 for XXXX each at XXXX he waived XXXX for my fee on buying cards. Then XXXX first payment of XXXX but again he said XXXX is fine and waived for fee. I asked for confirmation he sent to my email had mortgages logo on receipt. 2nd payment I was having car problems and they started rushing me to get prepaid card and when would I be calling it in they needed it by XXXX called several times that day. I Final got mad at them told them I didn't think they were legit. There were two different men I talked to XXXX XXXX supervisor and XXXX XXXX case manager have phone numbers and extension. My mortgage company was out of Colorado ( XXXX XXXX sold it ) one of the area codes they called from was XXXX ( XXXX, tx ) and other was XXXX. Was told from my true mortgage call center that they did their own debt collection he wouldnt take any of the scam numbers to check out just sent me forms to fill out for help on mortgage I think to modified payments what all started with the scammers. I also received envelope from XXXX XXXX XXXX  XXXX. XXXX, tx XXXX saying they are debt collectors area code ( XXXX ) again and they have my info. I asked specialized about this name and was told he was not aware of such. I so confused what and where to send and who is legit or fake. I lost {$1900.00} to these creeps and still owe taxes and back payments I am going to lose my house and have been here since XXXX  paying on mortgage I have XXXX XXXX cards and receipts even though they told me to cut them up. I know it is now XXXX but it made me utterly sick and dealing with this on my own my husband became incarcerated XXXX and couldn't help. Please help me retrieve my money I am XXXX  right now looking. Thanks 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 2022-08-26 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: NC

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: MN

Complaint narrative:
I have received a minimum of one call if not more every single day for over a year despite not engage or interacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: NC

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account 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

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 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: CA

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 XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a over due balance account under an open end consumer credit plan as late for 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 2022-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio complaint XXXX. Account XXXX. Their response- I was sent statements by XXXX XXXX that were mailed to the wrong address for 5 months and during the time of CO-VID I lost my job and had to move XX/XX/XXXX. I was given no opportunity to work with the creditor or get relief from this debt because of CO-VID or statements being sent to the wrong address. I had this account for 10 years and it was charged off with no notice. The XXXX XXXX notice was dated XX/XX/XXXX which was 18 months after I moved and I had a change of address submitted to the post office! This account was a charge-off. Unfair practices Portfolio! and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have new information concerning Equifax 's continued willful non-compliance to perform a reasonable investigation under the FCRA and to protect my personal information as required under the Gramm Leach Bliley Act. 
Fact, I have submitted two request that Equifax cease reporting a bankruptcy that I did not give them authorization to share or furnish. Fact, Equifax responded with a form letter response which the CFPB explicitly dislikes. Fact, the US Bankruptcy court of NJ does not furnish information to Equifax or any other reporting agency. Fact, Equifax has not performed a reasonable investigation into whether or not they have my written authorization to furnish any public record information onto my consumer report. Fact, it is not known how Equifax is obtaining this information. Fact, the furnishing of the unauthorized data caused me to be denied a {$250000.00} HELOC. 
I have questions. 1. Where is Equifax getting the information regarding the bankruptcy? 2. Is Equifax paying for the public record information it includes on my consumer report? 3. Is a company selling my information to Equifax for profit or revenue? 4. Why hasn't Equifax fulfilled it's duty as a consumer reporting agency to ensure there is permissible purpose for the furnishing of the public record on my consumer report. 5. Is Equifax profiting from my public record information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Have tried to close out PayPal account since XX/XX/2022 without success. Did close out the PayPal credit portion, but want to close entire account due to too many fraudulent invoices, phishing emails, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX  complaint XXXX. Account XXXX. Their response- I was sent statements by Capital One that were mailed to the wrong address for 5 months and during the time of CO-VID I lost my job and had to move XX/XX/XXXX. I was given no opportunity to work with the creditor or get relief from this debt because of CO-VID or statements being sent to the wrong address. I had this account for 10 years and it was charged off with no notice. The Capital One notice was dated XX/XX/XXXX which was 18 months after I moved and I had a change of address submitted to the post office! This account was a charge-off. Unfair practices XXXX! and Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
The XXXX XXXX XXXX XXXX Loan ( Sallie Mae Bank ) for the enrollment period of XX/XX/XXXX to XX/XX/XXXX has been discharge through bankruptcy. The XXXX XXXX for XXXX XXXX University closed in XX/XX/XXXX. This located was the only option for XXXX students in which the school lost the XXXX accreditation and XXXX students were left with finding alternative solutions without their credits transferring. Sallie Mae Bank is trying to recover funds being both parties have been listed in discharge and filed in XXXX ( please see attached paperwork ). XXXX XXXX University has accepted this discharge and student is no longer liable for tuition, fees, any and all educational funds. Please advise the justification on why Sallie Mae is trying to recover these funds and not following the Bankruptcy code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation