vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 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.

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 2023-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
I went through a long arduous divorce. I applied for a re-modification with the bank. Part of the divorce agreement with my ex-wife was she would sign off the deed to the house, for an exchange of {$34000.00} transferred via QDROS from my 401K to her 401K account. The QDROS process began in XXXX XXXX XXXX XXXX XXXX I was told that the QDROS process may take up to 3 months but no longer than 5 months. I communicated this information with the bank. I was approved for the modification, but the paperwork arrived with my ex-wife name on the paperwork. I contacted the bank and explained the entire situation. They sent out new paperwork without her name on it. I reached back out to them explaining that I needed to wait for the QDROS to take place so she would sign off the deed to the house. I was under the assumption that the bank was working in good faith with me. They knew I accepted the terms of the re-modification. Within 30 days of the last communication with the bank, I received info in the mail with an auction date of XXXX I have been working diligently with the company & administration handling my the QDROS to try and get a date for the QDROS transfer. I'm finally getting information stating that the paperwork was submitted for preapproval and then will be sent to the court within a week or so for court approval. As of XXXX today ( XXXX ), people were outside of my home in an auction bidding for my home. The home went back to the bank today. I am working in good faith with the bank to resolve this matter and to retain my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I was contacted by a person representing themselves as XXXX XXXX, a XXXX  national living in XXXX, XXXX. He sounded legitimate, so I agreed to what seemed like a too good to be true offer at the risk of {$49.00} to begin with. He had me attempt the transfer through a company called Wise, which has acted in extremely bad faith, threatened and coerced me, to make payments to them through unusual and uncustomary means requiring me to share excessive personal information such as copies of my passport with them, to the point of refusing my payment to clear the matter up rather than accept any usual and customary form of payment such as personal check, credit or debit card, XXXX or XXXX. 

On XX/XX/2023 XXXX XXXX used his access to my ads account on XXXX to create an unauthorized XXXX account, which apparently was bad enough that it immediately violated XXXX XXXX community policies and caused my XXXX, and all XXXX  accounts ( XXXX ) to be disabled. 

In retrospect, it appears that Wise may be involved in some kind of money laundering scheme with this person representing themselves as XXXX XXXX. I suspect I was being set up for a much larger transfer and identity theft due to the proposed deal with XXXX XXXX. Furthermore, with his, confirmed by bank transfer, connection to XXXX, I have become somewhat concerned that this money laundering may have some connection to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: Opportunity Financial, LLC
State: MO

Complaint narrative:
This company is in violation of the consumer law. My personal information was sold in illegally used bye a third party. According to the consumer law, you are in violation. Code 15 usc 1692j states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This company is in violation of the consumer law. My personal information was sold in illegally used bye a third party. According to the consumer law, you are in violation. Code 15 usc 1692j states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NY

Complaint narrative:
I was denied Insurance XXXX XXXX XXXX. They stated LexisNexis gave them a Report on me, and based on the Report from LexisNexis we deny you the XXXX. They further stated, " we paid LexisNexis {$190.00} for the Credit Report on you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX XXXX XXXX, I received a Debt Cancellation Notice from AMERICAN EXPRESS COMPANY regarding account XXXX, which pertains to my Amex Green card. I would like to assert my consumer rights : I have the right to withhold the disputed amount, and the creditor is prohibited from trying to collect any part of any required payment I believe is related to the disputed amount, including associated finance charges. 

The creditor is obliged to correct the billing error and credit my account with any disputed amount and related finance charges, as applicable. Furthermore, they must mail or deliver a correction notice to me. 

While the billing error is being resolved, I retain the right to withhold the disputed amount, and the creditor may not attempt to collect any portion of any required payment related to the disputed amount, including related finance charges. 
Additionally, in accordance with 15 U.S. Code 1666d, which addresses the treatment of credit balances, the creditor must take the following actions whenever a credit balance exceeding {$1.00} is created in connection with a consumer credit transaction : A. Credit the amount of the credit balance to my account ( XXXX XXXXXXXX ). 
B. Refund any remaining credit balance upon my request. 
C. Make a good faith effort to refund any remaining amount of the credit balance to me by cash, check, wire transfer, or money order if it remains in the account for more than six months, except in cases where my current location is not known to the creditor and can not be traced through my last known address or telephone number. 
D. Keep account open. 

I intend to communicate with AMERICAN EXPRESS COMPANY promptly to ensure the protection of my rights as a consumer and to address this matter effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: DISCOVER BANK
State: NY

Complaint narrative:
In accordance to credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnish an account without written instructions under 15 USC 1666 b a creditor maytreat a payment on a credit card account under and open and consumer credit path as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I was reached out to by XXXX XXXX, on XX/XX/2023 through a written letter. The letter said I owed {$1400.00} to the company. However, I have no affiliation with XXXX, and when I called Customer Service, the account number mentioned in the letter was not recognized by the system. 

I received a text message from XXXX XXXX on XX/XX/2023, and on XX/XX/2023 about collecting the debt. 

When I checked by credit score on XXXX there is no mention of this debt, which is why I believe this debt is fraudulent or someone has possibly stolen my identity. 

I sent a letter to XXXX and XXXX XXXX. I will also be filing a complaint with the XXXX  XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
I have been using MOHELA for several months prior to the current repayment pause ending. I have been on the PAYE and recertify my income annually. This year I submitted an IDR recertification on XX/XX/2023 and noticed that my payments went to {$0.00}. I called to inquire regarding this and was told that " due to an error on MOHELA 's processing, my XXXX was input as {$0.00} ''. This is completely incorrect and I am worried that this may look like fraud. I have made several attempts to resubmit my application as listed with the appropriate response on MOHELA website : XX/XX/2023 - denied. When I called to inquire, they told me that this was because my IDR would result in higher payments, essentially going from $ XXXX to the actual amount. I was told to resubmit and wait XXXX days. At this time I also asked for my forbearance to be lifted which I was told would take XXXX days. I have since called multiple times and as reflected on my MOHELA account have had service representatives resubmit my XXXX on : XX/XX/2023, XX/XX/2023, XX/XX/2023, all of which have had no response or any information regarding the status. I am also still on administrative forbearance despite being told that this is being lifted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Carvana Group, LLC
State: VA

Complaint narrative:
The following accounts were not authorized to access or report any of my credit information and should as such be removed immediately. The initial FTC report is attached. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX a stimulus deposit of {$2800.00} was deposited into the NFCU into an account that was not ours. The IRS sent inquiries 3 times for the NFCU to return the funds that were deposited. On XX/XX/XXXX I contacted the NFCU about why the inquiries were not answered. On XX/XX/XXXX I talked to the XXXX XXXX. and was told that the funds were sent back. On XX/XX/XXXX I contacted the IRS about the stimulus deposit being returned and was told that the NFCU still had not responded back. Called the NFCU with the information they needed about the inquiry. Their answer was that they couldn't find the inquiry. To have the IRS FAX the information to the ACH Dept. The IRS does not call banks about accounts. A supervisor at NFCU told me that they do not care who's name ( s ) are on deposits into accounts. That there is nothing the NFCU can do to get my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Your claim form has been submitted Equifax data breach successfully Your claim number is : XXXX Supporting Documents Equifax Credit Bureau You May Print These Details And Keep A Copy For Future Reference By Clicking The Print Button. I sending a copy of the data breach form. Also XXXX forms to have all collections remove since my credit breach from Credit Angency allowed my information to get to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-10-24 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: DISCOVER BANK
State: IL

Complaint narrative:
I DID NOT AUTHORIZE THIS ACCOUNT. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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