vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ), AMOUNT {$1000.00}, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX 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 2023-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I had an escrow account with my mortgage company Mr Cooper, they were late paying my XXXX taxes with the county of XXXX tax collector as a result a late fee was charged in the amount of {$690.00} by the tax collector which Mr Cooper eventually paid. I have never been late on my mortgage payment. Now Mr Cooper is attempting to bill me for the late fee being imposed by the tax collector, a mistake that Mr. Cooper made. Mr Cooper initially placed blame on the delinquency on my previous Mortgage servicer ( XXXX ) XXXX XXXX XXXX  but after XXXX did an audit, Mr. Cooper agreed the delinquency was cause by Mr. Cooper. This is an on going issue that has been going on since at least XX/XX/XXXXXXXX  with no real resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: IA

Complaint narrative:
In the divorce it states that my ex husband is to have the account solely in his name also the past due amount is wrong and I have sent them paperwork to prove that there should be nothing left to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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:
The following Hard Inquiries are not mine, or were they authorized by me. They were done fraudulently by someone else, they are also not attached to any open accounts of mine and I would like them to be removed according to the fair credit act. 
XXXX. XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/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 2023-05-05 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the XXXX credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XXXX XXXX XXXX then I followed up on XX/XX/XXXX. At that point, I sent a XXXX dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. 

With Shellpoint Mortgage, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to XXXX, but apparently when the mortgage sold to Shellpoint, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! 

For the XXXX XXXX XXXX XXXX XXXX account, there are XXXX late payments reporting, neither were valid either! XXXX of them, they admitted to their system being down due to XXXX and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened XXXX new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. 

For XXXX XXXX XXXX XXXX, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: SC

Complaint narrative:
My Sister Was Under Age And Using Me As A Guardian For Her Cash App My Account Is Locked For Whatever Reason And She Had Money On It And I Use My Cash App To Get And Send Money And I Cant Do ThatAnd It Has Almost Been A Month No One Has Contacted Me Or Nothing Yet Why Is It Taking They So Long .People Have Lives And Bills They Have To Take Care Of Im Very Mad

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: LEXISNEXIS
State: NV

Complaint narrative:
I want to file this complaint to LEXISNEXIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
All of the money was taken from my account based on a legal order that was made in error, submitted XX/XX/XXXX. I called Truist multiple times on XX/XX/XXXX and XXXX and the lawyers sent a dismissal multiple times to Truist confirming that the money should never be taken. I went in person to Truist on XXXX as well and confirmed that the dismissal was sent and would be processed. All of the my money was seized from my account in error and Truist has been negligent in resolving this issue.

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 2023-05-05 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: MI

Complaint narrative:
I have disputed fraud accounts on my credit report and sent all verifying information to prove that these accounts do not belong to me the accounts are as follows XXXX XXXX, XX/XX/2018. This account is fruauduent and does not belong to me.

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 2023-05-05 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: MI

Complaint narrative:
I have disputed fraud accounts on my credit report and sent all verifying information to prove that these accounts do not belong to me the accounts are as follows XXXX  XXXX, XX/XX/2018. This account is fruauduent and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: MI

Complaint narrative:
I have disputed fraud accounts on my credit report and sent all verifying information to prove that these accounts do not belong to me the accounts are as follows XXXX XXXX, XX/XX/2018. This account is fruauduent and does not belong to me.

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 2023-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
This is Pertaining to XXXX XXXX XXXX - THROUGH ITS ATTORNEY, XXXX, XXXX XXXX XXXX, XXXX For - Best Eggs I WAS XXXX. 
Last Payment on my account was XXXX 
Amount due is {$4600.00} Principal - {$4200.00} Annual Percentage Rate - 29.91 % Finance Charge - {$3700.00} Settlement with my consolidation company was round {$1900.00} Total Payment due - {$10000.00} Summons was served NOT TO ME, It was served to my XXXX XXXX XXXX mother with XXXX after harassing her. 
I was never Served. I was out of the country. I have proof. 


MY STORY While consolidating my bills in XXXX XXXX On my credit report I saw XXXX. I called the phone number provided. I was told, this bill came from Best egg. I asked for all signed documents to be E-Mail or Mail to me. XXXX WAS NOT ABLE TO PROVIDE ANY DOCUMENTS. I Asked for Best egg phone number. I called Best egg, They were unable to provided me with any information. They informed me it was with XXXX and I have to contact XXXX. I Called back XXXX and explained. All I needed was proof. They were not able to provide me any Proof. What I was told, I need to pay this bill. I, AS A PERSON I DONT WANT TO PAY A BILL I HAVE NO RECOLLECTION OF. I called VARIOUS times, I got the same answers. I was stuck on eating a bill I have no recollection off. I went to MY XXXX AND CONTESTED - SAYING I HAVE NO RECOLLECTION OF THIS BILL. 
I called my Consolidation Company an removed it from my Consolidation. The settlement was round XXXX at that time with my Consolidation Company. 
ONE WEEK later after I removed it from my Consolidation Company a summon was served to my XXXX XXXX  mother with XXXX on XXXX  IT WAS NOT SERVED TO ME. I was XXXX. Never got proof, Never got any Collection Notice, Never got got a bill, Never got a Late Bill. Never got served. 
I was XXXX. 
According to - XXXXt The statue of Limitation on most death in New York is 3 Years from date of last activity on an account to Sue someone for a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: PA

Complaint narrative:
XXXX XXXX IS SENDING BILL FOR XXXX. NEVER OPENED ACCOUNT WITH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: PA

Complaint narrative:
In XXXX I requested that Experian, remove information that is not only incorrect, but they have a fraud alert that is remaining on my account that should have been removed back in XXXX. I told you that my son lived at the XXXX address, and the XXXX address and you refuse to remove it. Since you are telling me that this is my address, please provide proof that XXXX XXXX XXXX lives at those addresses. 
XXXX XXXX XXXX is the only address that should be on my credit report. No other address. My name is XXXX XXXX XXXX No other version of my name should be on my credit report. 

If you can't provide this, please remove them from my credit report. My son XXXX XXXX XXXX lived there, not myself. 
Please remove the fraud alert that should have already been removed after 1 year that still remains on my account.

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 2023-05-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
NOTICE OF DEFAULT OPPORTUNITY TO CURE I am writing to file a formal complaint against TransUnion for its blatant violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). I have reason to believe that TransUnion has engaged in illegal actions by furnishing inaccurate information, failing to conduct a proper investigation into my disputed account, and violating my privacy rights by not providing me with the option to opt in or opt out of its data sharing practices.

TransUnion 's mishandling of my credit information has caused me immense mental and emotional stress. Despite repeated attempts to dispute inaccurate information on my credit report, TransUnion has failed to conduct a proper investigation and has continued to furnish false information. This has resulted in the ruining of my credit reputation, making it difficult for me to access the credit that I need to move forward in my life.

Furthermore, TransUnion 's violation of the GLBA by not providing me with the option to opt in or opt out of its data sharing practices is a serious concern for me and many others who value their privacy. TransUnion 's disregard for my privacy rights is unacceptable and I strongly believe that they should be held accountable for their actions.TransUnion have exhausted allotted time by law. So they must remove.so again im asking, " Please authenticate and provide me proof that I am, LEGALLY OBLIGATED '' to pay this purported alleged debts. A simple answer of being " HAVE BEEN VERIFIED '' does not constitute an adequate legal or lawful response. 
Therefore, I am requesting that TransUnion compensates me for the damages caused by their illegal actions. I believe that I am entitled to compensation for the mental and emotional stress that I have experienced as a result of TransUnion 's mishandling of my credit information. I urge the CFPB to take immediate action against TransUnion to ensure that my rights as a consumer are protected. 
Thank you for your time and attention to 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 non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Good afternoon, I have a complaint to draw with the closing of my account in XXXX as well as the interest that accrued on my account during COVID-19 and after my account was closed. I have made payment throughout COVID despite being unemployed, facing economic difficulties, and having zero access to my credit card due the account being restricted. Im requesting that the account is reopened and at least {$290.00} in interest charges is credited to my account as a remedy. 

The payments made to the card had little to no impact on my credit score which would have been beneficial to improving my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: MI

Complaint narrative:
i HAVE DISPUTED THESE FRAUD ACCOUNTS WITH THE CREDIT BUREAUS AND THE BANK. XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX AND XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX. THIESE ACCOUNTS ARE NOT MINE, I DID NOT SIGN ANY APPLICATIONS FOR THEM, THEY DO NOT BELONG TO ME. ALSO THESE ACCOUNTS DO NOT EVEN SHOW COMPLETE REPORTING, OPEN / CLOSE DATES, COMPLETE PAYMENT HISTORY, WHICH IS ANOTHER INDICATOR OF A FRAUDULENT ACCOUNT. I HAVE ATTACHED THE FRAUD INFORMATION BELOW. POLICE REPORT, ID THEFT STATEMENT AND A COPY OF MY ID

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 2023-05-05 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: FL

Complaint narrative:
This account is reporting late as reported in my XXXX and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXXXXXX 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 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
This is based off my prior complaint with Bank of America that is closed. I am aware that they are to respond in writing, and they never did. They left me a voicemail asking me to call them back. This is not acceptable and I believe they know that. I believe they are breaking laws here.

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 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for the capital one XXXXXXXX XXXX  on XX/XX/XXXX. And they requested additional information showing income. I sent them my tax return form XXXX showing household income. But now they want me to show proof of my access to my XXXX  income. I've called them multiple times and they say the tax return isn't proof of ownership. I need to get a letter signed from my husband showing that I have access to the funds. It is the stupidest thing ever because we are married, have XXXX bank accounts, we file taxes XXXX live at the same address. Why do I have to prove when the law states that I don't? According to the XXXX amendment I can claim my XXXX income as mine. Why do I have to prove this with paperwork? This is the dumbest thing I have ever come across. When the XXXX  and the government count it as my income why does capital one have an issue? And need more proof? I find it extremely offensive

Company response to consumer: Closed with explanation