vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not authorize nor consent to the following inquiries being furnished on my consumer report. 

Transunion XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) 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 2022-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: MD

Complaint narrative:
Received a letter from XXXX XXXX XXXX about an outstanding debt from XXXX. I do not order anything from XXXX. This debt collection is fraudulent. A simple XXXX search shows many law suits against this company for fraudulent debt collection under the same or similar names but different headquarter addresses. I can not reach them. Ive left hundreds of messages but nobody returns my calls. They are unreachable by any other means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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:
On XXXX different occasions I was told by Equifax agents that these XXXX inquiries will be removed from my credit file XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX The confirmation number on XX/XX/XXXX I was given Equifax Com number XXXX XXXX confirmation number clearly shows that the XXXX above inquiries were to be deleted from my credit report by a fraud representative from Equifax it states that all the documents were handed in properly and still to this day it's not been removed note that this is the third time a different confirmation numbers previous confirmation numbers were XX/XX/XXXX Equifax confirmation XXXX XX/XX/XXXX XXXX Equifax co # XXXX XXXX XXXX XXXX inquiries that was XXXX more inquiry from XXXXXXXX XXXX that was XXXX XXXX on XX/XX/XXXX This was also promised to be removed for me and still remains on my credit report So in total there are XXXX inquiries since XXXX of XXXX that had been promised to be removed and have not the confirmations number above represent confirmation numbers that Equifax has given me proven that it will be removed My social security number is XXXX XXXX XXXX On the next screen it will not allow me to put in the last four digits for some reason so I'm putting it here

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
account recovery specialist ' are violating FCRA & FDCPA. They have yet to send out proper verification, validation, and illegally obtained and bought medical bills breaking HIPPA laws. Instead of validation and verification, itemization sheets were sent with DRS names and service rendered were listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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:
This is not a DUPLICATE report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXXXXXX XXXX  Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXXXXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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: TX

Complaint narrative:
This is not a DUPLICATE report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXXXXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: IL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: IL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-28 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: NC

Complaint narrative:
This company and Experian refuse to remove the incorrect information reporting on my credit report. I have contacted both Experian and the company XXXX and most recent was XX/XX/XXXX. The company is violating several laws. The company has refused to send any documentation bearing my signature to this date. They continuously reage the debt. The account was showing opened in XX/XX/XXXX, but the balance was updated XX/XX/XXXX. The account is listed as paid, was chargeoff. How can the account be listed as both. This is inaccurate. The account is showing past due 120 days in XX/XX/XXXX, but happened to 30, 60, 90 days past due. The original balance was showing {$6700.00} buth there is no past due amount but yet the Creditor updateed the status on XX/XX/XXXX to paid, was charge off. Under South Carolina law ( S.C. Code 15-3-530 ), the statute of limitations for most types of consumer and business debt is three ( 3 ) years. As an article from the U.S. Federal Trade Commission ( FTC ) explains, the statute of limitations typically begins ticking once a debtor fails to make payments on the debt. 
I will sue both companies based on these laws ; 15 U.S. Code 1681a - Definitions ; rules of construction. ( k ) Adverse Action.

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 2022-08-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My previous complain the issues was not resolved and you just closed it I did not get an answer! No one is answering my questions Can a successor in interest modify a mortgage loan? 
Now, if you are a successor in interest on a home, you are now entitled to make a Request for Information about the loan ; dispute the lender 's accounting ; and participate in loan modifications, just as if you'd been the original borrower. 
XXXX XXXX XXXXXXXX Mortgage Servicing Rights Now Extend to Successors Not On The... 

The law changed in XX/XX/2018 we are suppose to be treated like the original owner! It was changed by RESPA please I need an answer why I still need XXXX my ex to sign a liability form when he signed all rights to me and he is no longer on the deed! He has moved on like he said

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 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As per their online advertisement, I started a " Chase Plan '' financing option on XX/XX/XXXX for my XXXX XXXX ticket purchase of {$5500.00}. The terms & conditions were outlined clearly online. I took screen caps of them. I also called in to confirm they were correct and was told the financing offer was whatever showed online for the XXXX tenure options. I accepted the terms as shown and started the 18 month payment plan. I was sent a confirming email again specifying these terms. My next statement again confirmed these terms. I paid the first payment amount shown as due accordingly. 

On XX/XX/XXXX, I received a strange email informing me that this Chase Plan had been ended as it had been paid in full, although it had not the balance had instead been rolled back into my regular account balance absent any notice to me. I immediately called the customer service line and was transferred XXXX different times to XXXX different agents over a period of almost an hour, none of whom were able to explain what was going on. I was ultimately disconnected by the call center absent any resolution. Nobody called me back. 

I proceeded to their XXXX space for help next on XX/XX/XXXX providing all details & copies of documentation. They also failed to resolve the issue. Attempting to explain that the plan had been cancelled out due to a refund from the merchant- but that refund was for an entirely different purchase of a different amount which had nothing to do with this XXXX nor a chase plan. 

On XX/XX/XXXX I mailed a letter and more copies of all documentation to their service center. No reply. 

I want my original purchase of {$5500.00} less my first payment immediately returned to the Chase Plan in which I originally enrolled per the terms you advertised when I entered it on XX/XX/XXXX & a credit back of any fees or interest charges which XXXX have resulted in their inappropriate cancellation of the plan in the interim. 

The only reason that I purchased a second XXXX XXXX ticket for my daughter was due to the financing terms I had enrolled in for the first XXXX. They can not clearly advertise and confirm this financing agreement and then withdraw it after it has been accepted and started. Thats both false advertising and illegal bait & switch tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I reached out to my mortgage company, United Wholesale Mortgage ( UWM ), to remove XXXX  from my loan. Once the issue was escalated via CFPB Complain No. XXXX in XX/XX/XXXX, we finally made traction on the process to remove XXXX. In correspondence dated XX/XX/XXXX, XXXX XXXX, Director of Consumer Affairs apologized for the delay and stated that we will receive a " reimbursement for additional XXXX premiums paid due to the processing issues which occurred. '' In XX/XX/XXXX, I received correspondence that I met the requirements for the removal of XXXX and that my monthly mortgage payment amount would be adjusted effective the XX/XX/XXXX payment. It made absolutely no mention of the reimbursement due to the delay in processing my removal as promised by XXXX XXXX. Again, I reached out to the company via postal mail requesting reimbursement for the XXXX premiums paid during the processing delay. In correspondence dated XX/XX/XXXX, I received a check from XXXX in the amount of {$15.00} which " represents a refund of an unused premium from my XXXX company. '' To clarify, the processing issues began in XX/XX/XXXX and were resolved XX/XX/XXXX and in no way does {$15.00} amount to the XXXX premiums I paid since my original inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-08-28 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 XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX, 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 an 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 non-monetary relief
Consumer complaint received 2022-08-28 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: IN

Complaint narrative:
In accordance wi the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
I have previously disputed this bankruptcy that is appearing on my credit report at XXXX and Lexis Nexis and they are continually saying its been verified by the US Bankruptcy court in XXXX XXXX yet Nexis Lexis nor XXXX has provided me with any documentation verifying or validating this account. I am not in bankruptcy nor have I ever been. either way, the reporting requirements do not comply with FCRA 611 ( 15U>S>C 1681 and the information must be deleted immediately from both Lexis Nexis and XXXX. I currently have my XXXX dispute filed with XXXX as well as my second dispute filed with your office. CFPB I am asking you to file this report with Lexis Nexis Corporation, and XXXX XXXX on my behalf, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account name XXXX and Account # 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 non-monetary relief
Consumer complaint received 2022-08-29 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account name XXXX and Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: WA

Complaint narrative:
This not a DUPLICATE report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have 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. Account Name : U S DEPT OF EDXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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:
This not a DUPLICATE report and this is not filed by a XXXX XXXX. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have 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. Account Name : U S DEPT OF EDXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: FinCo Services Inc DBA Current
State: MD

Complaint narrative:
I have my XXXX pay that was sent to card on or around XXXX XXXX and locked myself out app due to me having a new number and curries making it difficult to reach or reach out to me about this matter I cant call or talk to anyone

Company response to consumer: Closed with explanation