vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
I have pulled up my credit report and found some private information. Such as my consumer transactions with creditors as well as hard inquiries and accounts in collection. 
I never opted in to have my information shared. " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states\n '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC\n1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WY

Complaint narrative:
Portfilo Recovery Associates purchased my debt from XXXX XXXX 

On XXXX my representative, XXXX contatced PRA and negotiated a settlement for {$680.00} to settle the {$1300.00} debit. PRA did take payments on XXXX, XXXX. PRA stop taking the payments and then sent the debit to XXXX XXXX where it was renegotiate back to {$1000.00}. That agreement has now been paid again but PRA will not remove the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I received several {$100.00} American Express gift cards which are virtually useless and frankly it should be considered criminal activity that American Express is purposefully making the card unable to be used at all major online retailers. The card will not be accepted at XXXX, XXXX, XXXX, XXXX, and on and on. They claim it can be used anywhere an American Express is accepted, which is a flat out lie. XXXX requires that the card match the cardholder 's name and address ( which American Express is aware of ), but Amex will no longer allow a person to register their name and/or address to a gift card. Presumably so that the card will get declined at every major online retailer ( like is being done ). Again, this is absolutely criminal and an intentional act by Amex to hold money longer or forever from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I have flood insurance with XXXX XXXX and since XX/XX/XXXX I have been going back and forth with my mortgage company " New American Funding '' and XXXX. after 35 phone calls, 3 ways calls with both companies I've had it! New American states they do not have the policy, XXXX states they do not have payment, so after months now finally thought I got this all straighten out, until I received a letter form New American stating I do not have proper flood insurance and will be provided FEMA for a new charge of {$2500.00}. I call New American today XX/XX/XXXX, and was told all the have is the Declaration page from XXXX but they need the entire policy " 60 '' pages. I called XXXX and they are not open due to the holiday. This information should have been provided months ago and I should not be the one penalized for both companies error. I have spoked directly with the owner of XXXX last month and was assured this was all ok and corrected. So I am making two complaints first with New American Funding, and with the flood insurance carrier XXXX. I will not be put under stress like this anymore and demand this back and forth with these two companies to stop. I have spoked with my broker of my house and she helped me last month but after receiving this notice that I will now be signed up with FEMA and charged the outrageous amount I have had it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Data Search NY, Inc.
State: TN

Complaint narrative:
I reached out to XXXX about a status change on my credit report which shows the loans have been written off. I spoke with the XXXX representative XXXX XXXX XXXX around XXXX and requested info about the write off status and he confirmed that the loans were written off and went into collection with a law firm that serves as a collection agency named Trak America . I requested the bill of sale, 1099 form for the written off amount, any documentation on the write off, and a copy of the signed contract for the alleged debt. I am currently awaiting this information. 

I have never received any information from XXXX XXXX Trak America as this call was the first I have heard of Trak America. 

I am making a request from Trak America for the following : This is not a request for validation of debt or any alleged debt but rather proving where you got my information and what you believe entitles you to collect any debt or alleged debt from me. 

I am not asking for verification of debt, statements, or any account information. Trak America is not to communicate with me directly nor indirectly with the attempt to collect any debt or alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting 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: FL

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, CHILD SUPPORT ENFORCEM XXXX, CHILD SUPPORT ENFORCEM 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 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 non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The CFPB does not assist with helping consumers. COMPLAINT ID XXXX you allowed this company to provide a response to my claim and closed the case without any review of the information they provided. They might as well have submitted a stick drawing. I am writing in response to your recent communication to the Consumer Financial Protection Bureau ( CFPB ) where you stated that you mailed a Right to Cure letter and a Final Response letter to me. However, I did not receive these letters, and I am deeply concerned about the discrepancy between your claim and my actual experience. 
In addition, it is evident that the validity of the letters you claim to have sent is indeed questionable. One significant portion to support my claim of NEVER having been sent these letters is the lack of information regarding the repossession process. From these submitted letters, you can determine that I was NEVER informed about the location to which the vehicle was sent, the entity responsible for the repossession, or the steps to retrieve personal items from the repossessed vehicle. Furthermore, there is no mention of the auction details, including the location, date, or time of the auction. Calling you for this information does not satisfy the requirements of the law. Had you sent these letters, however, I would have known that calling for this information was an option. 

The other notable item is you stated you repossessed the vehicle on XX/XX/2023. That is the date on the letter you provided in the Fraudulent " Notice to sell the vehicle letter you provided. '' What are the chances you wrote me a letter on the same day you repossessed the vehicle? 

These critical omissions raise doubts about the true existence of the purported letters prior to the CFPB being informed of your improper handling of this matter.

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 2023-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express Gift Card
Balance:$XXXX  
Card is declined everywhere with numerous tries since XXXX  2023

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: FL

Complaint narrative:
Consumer has sent multiple verifiable emails to company asking for payment arrangements, company is slow to respond or doesnt respond.

Consumer was finally able to reach company to make payment arrangements, consumer is paying loan, company has negative marks on consumers credit report stating charge off when consumer is paying loan after finally being able to reach someone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I just activated my new Credit card ( Fortiva ) And understand there is a yearly annual fee. XXXX $ on activation day, and XXXX $ yearly thereafter. However, in the Setup and Maintenance Fees portion, it says NOTICE : The annual Fee will be assessed before you begin using your credit card and will reduce the amount of credit you initially have available. Based on your initial credit limit of {$700.00}, your initial available credit will be only about {$520.00}. You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you do reject the plan, you will not be responsible for any fees or charges. So I called up fortiva telling them I hereby do NOT agree and reject the plan for ONLY the 1st initial annual fee of {$170.00}, which it says I can reject and not be responsible for any fees or charges. So I fulfilled both requirements, not using my account or payed any fees after the first billing cycle. Fortiva told me that If I reject the annual fee of XXXX $ ( which it explicitly says I can reject and not be responsible for ) that it means i want my account closed. I asked where it says this explicitly in the Cardholder agreement and this is what they said, It does not say tht explicitly. it means if you reject, you agree to have your account closed, if you reject the initial annual fee of XXXX $ ( NOT the {$49.00} annual charge. i am only disputing the XXXX $ setup fee. ) oh well sir it does not say it explicitly, that your account will be closed if you reject the initial assessment annual fee of {$170.00}. They really said that. So it should say it explicitly if that is the case! If you need any further clarification please let me know thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX account # XXXX is not mine and they have not provided me proof that i started this along with XXXX XXXX XXXX  for a XXXX XXXX  account # XXXX, XXXX XXXX XXXX for XXXX account # 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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please be advised that as of XXXX as listed on my most recently reviewed Equifax consumer credit report, there is an unauthorized / fraudulent account listed which should be Excluded from my credit profile, XXXX  XXXX XXXX ( CLOSED ) XXXX XXXX Having understood that this is a violation of 15 U.S.C.1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. Both together and seperately, my consumer and privacy rights are being violated. The information should be confidential between myself and XXXX  XXXX XXXX. If you can not provide my written authorization, the aforementioned fraudulent / unauthorized account are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Account NoXXXXXXXX  I called and sent multiple messages to newrez regarding extending my forbearance for three more months, the only thing I'm getting is drama, the phone customer service is of no use and I'm still in dilemma right now, my XXXX haven't paid the rent, I don't have the money right now to pay the monthly mortgage, plus I got covid in last year XXXX so I need three more months of forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer has sent multiple verifiable emails to company asking for payment arrangements, company is slow to respond or doesnt respond.

Consumer was finally able to reach company to make payment arrangements, consumer is paying loan, company has negative marks on consumers credit report stating charge off when consumer is paying loan after finally being able to reach someone.

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