vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My loan has been canceled and closed. My payment history has not been removed from my credit report. My report is still showing late payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My loan has been canceled and closed. My payment history has not been removed from my credit report. My report is still showing late payment history

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 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX To Whom It May Concern : You are reporting the following collections as an OPEN ACCOUNT which is not under FCRA compliance . This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the below deletions have been removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCB MANAGEMENT SERVICES XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
MY CURRENT MORTGAGE COMPANY SPS SELECT PORTFOLIO SERVICING AND MY FORMER MORTGAGE COMPANY XXXX XXXX XXXX XXXX DUE TO THE PANDEMIC I BECAME UNABLE TO POAY MY MORTGAGE FOR THE ENTIRE YEAR OF XXXX IN XXXX I MADE ARRANGEMENTS TO START PAYING MY MORTGAGE I STARTED MAKING ALMOST DOUBLE PAYMENTS FOR HALF OF THE YEAR TOTALING {$7600.00} WHILE ALSO REACHING OUT FOR HELP FROM DEO/HAF WHICH WAS {$12000.00} TOTALING {$19000.00} MY ORIGINAL PAYMENT WAS LESS THAN {$800.00} PER MONTH. I WAS SUCCESSFUL WITH BRINGING THE ACCOUNT CURRENT AND THEN IN XX/XX/XXXX I WAS SUPPOSED TO GO BACK TO TO PAYING LESS THAN {$800.00} PER MONTH TO SPS THEN I STARTED RECEIVING PAYMENT AMOUNTS FOR OVER {$1400.00} AND SPS COULDN'T TELL ME WHY. THEN IN XXXX I WAS TOLD BECAUSE XXXX DROPPED OFF I TOLD SPS TO DROP IT BACK ON AND THEY DID AND THEN MY PAYMENTS WENT BACK DOWN TO LESS THAN {$800.00} BUT IM STILL ON THE HOOK FOR OVER {$3000.00} IN ESCROW AND OVER {$2000.00} IN MORTGAGE PAYMENTS AND BECAUSE I WOULDN'T ACCEPT A REPAYMENT PLAN THAT WAS STILL OVER {$1800.00} PER MONTH FOR 12 MONTHS A LEIN HAS BEEN PLACED ON MY HOME. I HAVE BANK STATEMENTS WHERE I HAVE MADE THE NECESSARY PAYMENTS AS WELL AS A AWARED LETTER FRO DEO /HAF AS WELL AS DOCUMENTATION THAT XXXX NEVER DROPPED OFF AND ACTUALLY HAS BEEN PAID FOR XXXX AND XXXX AND NOW I HAVE TO XX/XX/XXXX TO COME UP WITH ALMOST {$6000.00} TO KEEP MY HOME I AM XXXX  AN D XXXX. PLEASE HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 


ACCT NAME/NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-05-11 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, 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 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* 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 explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I used my Apple Card by XXXX. Bank for 2 different car reservations from XXXX XXXX XXXX One was from XX/XX/2023 until XX/XX/2023 and the other was from XX/XX/2023 until XX/XX/2023. I disputed the charges because they were not as agreed upon when I booked the reservations for the vehicles. The XXXX reservation was overcharged by {$800.00}, and the later XXXX reservation was overcharged by {$2000.00}. The XXXX reservation included upgrade charges of {$720.00} for which I shouldnt have to pay because the vehicle I booked and reserved beforehand was not available for me on pickup day and time. The issue Im having is that the credit card company issued me a provisional credit while those charges were investigated. However, the provisional credit isnt available to the customer to use if they choose to do so. The credit card company explained to me over the phone that until the disputes get resolved I wont see that credit in my available balance. In other words, your credit card limit is lowered by the credit that is being disputed upon, until those matters are resolved. I responded by saying that according to the American dictionary that is not how provisional credit is supposed to be afforded. They responded by saying that there was nothing else I could do except wait for a completion of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Hello, I have an Old Navy XXXX card that was converted to a different lender ( XXXXXXXX XXXX to Barclays ). I never received a new credit card or any information about making a payment or setting up an online portal via email, which was my preferred communication method, or via phone. 

I began receiving emails about needing to make a payment to Barclay, but wasnt able to open a web portal because I never received a card to verify the account on their website. A few months ago, my husband called a Barclay help number and set up recurring payments to have us back in good standing. 

Recently I have received calls saying I havent made payments. The company never processed the payment my husband set up and never sent me a new card. I called again today to try to find out what happened and the company has closed my account. I now am not able to make payments or check my balance or request a new card, as I still dont have web portal access. I am very worried that this will negatively impact my credit score, even though we have tried many times to resolve the issue on our own. Please help!

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 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
We received forbearance notification during the Covid. We did accept it. Before the end of the forbearance, we received an attempt for foreclosure ; as we were unable to pay the past due amount requested by XXXX XXXX XXXXXXXX and to avoid to loose our home we applied for HAF ( Home owner Assistant Fund ) meanwhile the mortgage was sold to Shell point. We got approved with a grant for {$17000.00} by Haf and the fund was disbursed to the new Mortgage company called Shell point. We never received any notification from Shell point UNTIL TODAY that they received any fund on our behalf. Even today no single sign or letter of this transaction in our statement. We learned all these after multiple phone calls with HAF. Later on we learned the fund was disbursed multiple times to Shell point and they return back multiple without informing us.

Before the fund was disbursed Shell point knew with certainty we were approved for the Grant and convinced us to sign a deferment. Shell point stated that the fund will be applied to the account even though we signed the deferment they added there is no penalty for early payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
They failed to validate a debt that is not mine and and tried to get me to sign their contracts. I have never done business with these companies. They taunted me by mail and over the phone by robotic response system. Failed to CEASE AND DESIST

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: WA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate 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 are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) 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 if every piece of information is correct. If not, please remove it from my credit report. 



there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

XXXX inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXXinquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Call from ( XXXX ) XXXX Claiming to be Ally bank, collecting late payment on auto loan. They knew my name and I foolishly gave my social. But they didnt have my address so then I knew something was wrong.

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 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
ACCOUNT NAME PARAMOUNT RECOVERY ( Original Creditor : XXXX XXXX XXXX ) XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 explanation
Consumer complaint received 2023-05-10 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: TX

Complaint narrative:
remove this account this is not mine.

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 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You are using XXXX XXXX XXXX to collect, furnish, share, disclose, publicize, and report information about me that has resulted from Identity Thief as defined by 15 USC 1681a ( q ) ( 3 ) ( 4 ).

I have a right to privacy per the constitution and the Fair Credit Reporting Act, and to breach my privacy you must have expressed ( written ) consent showing that I agreed to have my information shared.

As a result of your actions, I have been deprived of my right of contract and credit extension due to defaming my character. Resulting also in a substantial loss of income.

This is my second attempt advising of the defamation of my character and my right to privacy being disregarded. Unless you can provide me with PROOF that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, and PROOF that I was given the option to opt out of having my information shared, I demand that your company immediately Block and or Delete all derogatory marks from my consumer report ( i.e., closed accounts, charge offs, late payments, credit utilization, repossessions, collections and evictions ) within 4 days pursuant to 15 USC 1681c-2.

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 2023-05-10 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:
You are using XXXX XXXX XXXX to collect, furnish, share, disclose, publicize, and report information about me that has resulted from Identity Thief as defined by 15 USC 1681a ( q ) ( 3 ) ( 4 ). 

I have a right to privacy per the constitution and the Fair Credit Reporting Act, and to breach my privacy you must have expressed ( written ) consent showing that I agreed to have my information shared. 

As a result of your actions, I have been deprived of my right of contract and credit extension due to defaming my character. Resulting also in a substantial loss of income. 

This is my second attempt advising of the defamation of my character and my right to privacy being disregarded. Unless you can provide me with PROOF that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, and PROOF that I was given the option to opt out of having my information shared, I demand that your company immediately Block and or Delete all derogatory marks from my consumer report ( i.e., closed accounts, charge offs, late payments, credit utilization, repossessions, collections and evictions ) within 4 days pursuant to 15 USC 1681c-2.

Company response to consumer: Closed with explanation