vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
New Dispute, EQUIFAX will not let me access my report according to law with ease, since I've put in complaints as well as certified mail EQUIFAX will no longer let me in to view my profile. I am XXXX  Very Bad, EQUIFAX is hurting me causing damages where as i am moving this month and can not let them check my credit due to EQUIFAX dropping my score drastically. It has cause XXXX  and XXXX  not to mention XXXX knowing, my chances are next to none now because of EQUIFAX. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to EQUIFAX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law Keep all Accounts Remove negative Information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, employer and phone numbers being furnished on my consumer report. I demand that the inaccurate information to be removed and update in a timely fashion.

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 2022-03-31 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: FL

Complaint narrative:
I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, employer and phone numbers being furnished on my consumer report. I demand that the inaccurate information to be removed and update in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

1. XXXX XXXX XXXX XX/XX/XXXX {$350.00} 2. XXXX XXXX XXXX XX/XX/XXXX {$3000.00} Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX of XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXXXXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX 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 2022-03-31 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
Last reported XX/XX/2022 XXXX. This a medical billing issue 2. Account was deleted following dispute ( via CFPB ) 3. Account reinserted ( added back ) after deletion 4. I DID NOT receive prior written notice of reinstated on my credit file 5. Under the Fair Credit Reporting Act ( FCRA ) the reinstatement without written notice within 4 days of reinstatement is a violation of the law ( i.e., illegal )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I've filed a dispute about my credit report and the incorrect items on my credit report. Its been over 30 days since I contacted them, and have not received any investigation results back yet, so hence this complaint. Below are the accounts I have problems with, please review and help me out with this. Thanks XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX {$750.00} Balance updated XX/XX/XXXX Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX {$530.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$310.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$2500.00} Balance updated XX/XX/XXXX, XXXXAccount Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX  {$2900.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXX Account type Debt Buyer XXXX XXXX XXXX XXXX XXXX ( Closed ) XXXX Account status Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Closed ) Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy XXXX 7-dismissed Original filing date : XX/XX/XXXX Latest status date : XX/XX/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 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX, three payments were taken out of my account through XXXX to an account owned by someone named XXXX XXXX. One payment of {$150.00}, one of {$50.00}, and then one of {$50.00}. All three were unauthorized by me. XXXX does not allow me to recover any money. I called Wells Fargo about the missing money and they conducted a fraud investigations and said that it was my fault ( they denied my claim ), so they closed my account and made me a new Wells Fargo bank account. I am still missing the {$250.00} even though I know the name of the person who took the money and Wells Fargo knows their XXXX account and email. The day the money was taken I also made a police report. I no longer have access to the bank account because Wells Fargo closed it, since they said it could be at risk of hacking.

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 2022-03-31 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: NV

Complaint narrative:
Manipulating credit score social security profile by re-ageing delinq negative reporting every 4 months on closed credit accounts on XX/XX/XXXX then removed to reage on XX/XX/XXXX same day of investigation in order to detriment and stress credit. Denied credit based on Experian illegal dispute predatory tactics on US Consumers personal credit. Scammer for debt collectors not entitled to consumer financials

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 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XXXX of XXXX I was approved for a modification to start payments by ocwen/PHH. They contacted me and told me it was an error. They would not allow the payment. 

I contacted the Hardest hit fund and was told I qualified for a {$50000.00} principle reduction. The counselor said she needed to speak to their contact at ocwen first to assure they would accept the terms. She needed to do this because the program was ending and she did not want to do all of the work if they were not going to accept the money. She contacted me a couple of weeks later and said Ocwen advised her they would accept the payment. After all the work was completed and she submitted the paper work to ocwen they refused to accept the {$50000.00} payment. The program has since ended but I have my documentation. 

This caused me to go into XXXX XXXX XX/XX/XXXX to save my home. During the pandemic I lost my Job and Business. 

Therefore, I could not make the payments and loss my bankruptcy in XXXX of XXXX. I approached Ocwen/PHH for a Modification they denied saying no more modifications. But modifications were not truley approved. Only as a documentation for the record but never completed. 

Also during bankruptcy according to the trustee I paid {$30000.00} on my mortgage balance. It does not appear as all was posted. 

















XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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:
Experian needs to fix the issues about the inaccurate information for the unauthorized inquiries and personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and personal informations that I am disputing : Personal Information : XXXX XXXX XXXX XXXX, PA XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/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 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 2022-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc.
State: MT

Complaint narrative:
I had XXXX XXXX XXXX through XXXX  XXXX XXXX on XX/XX/20. Apparently a XXXX XXXX PA provided some service during the operation. The bill payment was denied because the physician did not submit the claim in time. The bill was resubmitted to the Va and denied again. The doctor turn the bill over to Thunderbird Collection Specialists. They contacted me by phone several times. They were told each time the bill was to be paid by the VA and to contact them After several calls to write and received a copy of the original bill. I then contacted the XXXX XXXXXXXX XXXX XXXX by phone. The community representative call Thunderbird Collection and explained why the bill was not paid, that I as a Va patient had no financial liability, and they were given the path to have that bill re-examined.

After confirming that was done I recontacted Thunderbird to reaffirm that the VA had indeed contacted them. At that time it was indicated to me that it did not matter what the VA said it was my bill an responsibility as the patient for that claim. 
As a VA patient entering or releasing that hospital I did not sign on agree to any such responsibility. 
I have in the past loss my temper with the repeated calls from the collection agency. 
I would like this issue resolved. I have worked had to increase my credit scores and reduce my debt. It is my hope as a XXXX vet to be able to by a home. Please stop these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
My name is XXXX XXXX, & I am submitting this complaint without any influence from any 3rd party or agency. Please see attached documents and ID as it contains my full complaint and request.

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 2022-03-31 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: NJ

Complaint narrative:
These companies have violated my consumer rights. I have reached out to them numerous times and they are now willfully non compliant. I exercise my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: NJ

Complaint narrative:
These companies have violated my consumer rights. I have reached out to them numerous times and they are now willfully non compliant. I exercise my right to privacy.

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 2022-03-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax needs to fix the issues about the inaccurate information for the Repossession reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Repossession : XXXX XXXX XXXX XXXX Balance : {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: PA

Complaint narrative:
TransUnion needs to fix the issues about the inaccurate information for the Repossession reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Repossession : XXXX XXXX XXXX XXXX Balance : {$7900.00}

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 2022-03-31 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: FL

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 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/XXXX, we attempted to use our Elan Financial Services credit card to pay our veterinarian approximately {$150.00}. Not only was the card declined but the vet told us that it was declined for potential fraud. The credit card company had suspended the card because of an attempted charge of {$39.00} for a recurring monthly service that the said " they didn't like '' on XX/XX/XXXX. I am livid that the card company froze our account over a charge for a recurring service that we have been using for at least 4 months. Even worse, the company reported " potential fraud '' to the vet. That is extremely embarrassing and bordering on libel.

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 2022-03-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
I was on the title with my wife who passed away in XXXX, they were quick to say that i was accountable for the loan which i made the payments and the loan has been paid off, and they put the tax statement in my name but they've sent XXXX checkes in the estate of XXXX XXXX as i've explained there's not one, but still not gotten my money from the escro the house was paid off on XX/XX/2022 but they wont put the check in my name. seems they are trying to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
I rented a house for 9 years and after moving out XXXX XXXX management of XXXX XXXX sent me to collections for {$12000.00} stating I was responsible for things that were normal wear and tear ( carpet, paint, flooring ). This was not a judgement on me and I disputed this with XXXX XXXX XXXX, the collection agency PlusFour INC and all XXXX credit bureaus XXXX, XXXX and XXXX twice. All disputes came back as saying the debt belongs to me. It doesn't, I have stated many times that this was normal wear and tear and am not responsible for the upgrading of the house. I can not get this removed from my credit reports and it needs to be removed.

Company response to consumer: Closed with explanation