vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 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: CA

Complaint narrative:
I am a consumer and natural person. I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX XX/XX/2022 and they have failed to show proof & record of a credit application or my written authorization to review my credit files XX/XX/2022. I am receiving adverse action letters and 8 hard inquiries on my credit report from various financial institutions. Who have also showed no proof and direct me back to the dealership.

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 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
Please find this message as a formal written complaint about Community Loan Servicing, LLC. On many different occasions, I've used Community Loan Servicing , LLC 's front-facing payment system to make additional payments to my mortgage loan. The system allows you to split the payments to your preference. Multiple times I've had to call the company because they failed to apply my payments as requested. I am very frustrated with their mismanagement. Their system appears to be very deceptive ; allowing one thing but yet doing another. 

I would like Community Loan Servicing to honor my payment requests. Currently, I notice in my suspense account there is a balance of {$5400.00}. Based on the RESPA rules, this should have been directly applied to my periodic payment of {$2400.00}, which it has not. I would prefer since I am up to date on payments, to have this applied to my principle. 

Please have someone help me. 

Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit Systems has failed to validate or send proof of contracts that I have with National Credit Systems. If National Credit Systems does not send a copy of this contract within 30 days, the only resolution I will accept is to delete the said debt from all credit reporting agencies. As it is a fraudulent account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Disputed a collection account from XXXX XXXX XXXX through all three credit bureaus. The collection was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX from unpaid electric bill attached to a leased residence that belonged to a family member, that I had never resided. 

I disputed the same collection account with XXXX, XXXX XXXX XXXX, and the credit bureaus, with only XXXX removing the collection from my respective credit report with them. XXXX did see that my family members name was indeed on the account as the one leasing the residence and considered it resolved. Although I continued and attempted to pay the debt, I still wanted the collection removed from XXXX or TransUnion, or at least move the collection to the family members 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 2022-04-06 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: LA

Complaint narrative:
i was notified by a mortgage loan officer that Equifax credit report shows two account for XXXX XXXX XXXX, one under the company name {$1100.00} and the other as an account for XXXX XXXX {$1100.00}. When I contacted XXXX XXXX XXXX at XXXX I was told by XXXX that XXXX XXXX handles all collection for them. I contacted XXXX and spoke with XXXX through the help desk at XXXX XXXX and was told that they will investigate it further. After being told by the mortgage loan officer that my loan application was suspended, I opened a dispute with Equifax on XXXX XXXX XXXX. I do not recall receiving results of this investigation nor did I log into the dispute center timely to review the results. But, I was informed by the mortgage loan officer after doing a soft pull that the duplicate account is still on the report, XXXX XXXX shows paid, but XXXX XXXX XXXX still shows open and not paid. This is the same transaction just entered in two different times on one report. My XXXX and XXXX reports do not show this error just Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Dear Portfolio Recovery Associates , LLC I'm in possession of the papers you sent out and I received them on Monday XX/XX/2022. Account number, ( XXXX ). This information is unresponsive to my demand. I demanded proof that I owe you this debt. This is not proof that I owe you this debt. In fact, these papers have no original signature from you, no original signature from the original creditor, or my original signature. The name spelling is incorrect as well on every single piece of paperwork you sent me, therefore being a false representation according to 15 U.S.C 1692e. Please provide me actual verified proof that I owe you this debt before continuing collection activities, otherwise remove this account from my credit report.

Also, in your response letter you stated you may contact me directly or through an affiliate or third party. That also is in violation of 15 U.S.C 1692-1692p Sec 806.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Modern Adjustment Bureau
State: CA

Complaint narrative:
I have a dispute with Modern Adjustment Bureau who failed to verify the account in my name according to my stipulations stated in a conditional acceptance contractual agreement that was mailed to Modern Adjustment Bureau which did not properly respond, I sent out a Notice of Default which Modern Adjustment Bureau never complied I have properly documented the proof of mailing dates with stamped receipts of the contract then approximately after 10 days the Notice of Default to respond which they did not respond properly according to the stipulations of the contract I also have the original copies of the contract with the account in question. I have the right to demand what is stated in the agreement due to the fact there is a legitimate contract and the respondent refused all my attempts to remedy this through this contract. I have attached the conditional acceptance contract, the Notice of Defaults and the postal proof of mailing receipts that I sent to XXXX XXXX that failed to respond according to what was stipulated in the contract ( see 1st paragraph of page 01 of contract ) approximately 10 days after not the response I sent a Notice of Default with Intent which they did not respond since my attempts to remedy this situation was unsuccessful I feel the need to report. 

DEFENDANT INFORMATION Name : XXXX XXXX Title : Supervisor Company/Firm Name : Modern Adjustment Bureau XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX XXXX XXXX California Zip XXXX XXXX Telephone : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: GA

Complaint narrative:
Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 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:
Theres a fraudulent account named : XXXX XXXX showing on my credit report and its affecting me to buy a home

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 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've sent certified mail to these companies to request authorization from the following Companies : XXXX XXXX XXXX XX/XX/XXXX, $ XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX {$200.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$250.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$530.00} XXXX XXXX XXXXXX/XX/XXXX, {$300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$300.00} XXXX XXXX, {$230.00} XXXX XXXX XXXX XX/XX/XXXX, {$580.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, {$200.00} XXXX XXXX XXXX XX/XX/XXXX, {$500.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 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: SC

Complaint narrative:
I've sent certified mail to these companies to request authorization from the following Companies : XXXX XXXX XXXX XX/XX/XXXX, $ XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX {$200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$530.00} XXXX XXXX XXXXXX/XX/XXXX, {$300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$300.00} XXXX XXXX, {$230.00} XXXX XXXX XXXX XX/XX/XXXX, {$580.00} XXXX XXXXXXXX XXXX  XX/XX/XXXX, {$200.00} XXXX XXXX XXXX XX/XX/XXXX, {$500.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I filed a complaint with Lexis Nexis back in 2021 via the phone and never received anything back. Ive called several times with no help and I have emailed customer support only to get the same automated response each time. An inaccurate bankruptcy is being reported on my report and its showing on credit reports because of it being on the Lexis Nexus report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NJ

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 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: NJ

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NJ

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
The bank allowed me to open and start an account but denied access later and now i cant get my original deposit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Mercari, Inc.
State: NC

Complaint narrative:
hello I purchased XXXX XXXX from Mercari ( XXXX dollars ) but I have not received the item. It was supposed to deliver on XX/XX/2022 ( order placed XX/XX/2022 ). The tracking number provided by the seller said the item was delivered but I did not get the item ( today is XX/XX/2022 ). The seller is a newbie and he closed his account after received the payment. Post office did not recall that they deliver this item. Mercari has intention not to give me a refund. I used XXXX to pay for it. XXXX closed my case without permission. I used chase credit card via XXXX XXXXo pay for it. XXXX bank has no progress. 
I do not think it is fair for me to pay XXXX dollars for the item that has never arrived. 
Mercari is very irresponsible to the situation that happen to the customers. 
XXXX closed my case without my permission. I do not understand that at all. 
Please step in and help. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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:
I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$9900.00}, {$220.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )

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 2022-04-06 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 USC 1681 Section 602 A States that I have the right of privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without MY written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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:
In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX has violated my rights .

15 USC 1681 Section 602 A States that I have the right of privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-04-06 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: MD

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-04-06 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: MD

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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