vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: PA

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

XXXXDEPT OF ED : 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 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 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any 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 explanation
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM XXXX AND EQUIFAX. XXXX HAS BEEN REMOVED AS FRAUD. SENT THE COMPANY IDENTITY THEFT REPORT, POLICE REPORT, AND PROOF OF RESIDENCY, AND STILL WILL NOT REMOVE IT. PLEASE ASSIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXXpayment history wrong for all 3 credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: OH

Complaint narrative:
XXXX XXXX XXXXXXXXpayment history wrong for all 3 credit bureau

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 2023-02-10 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: GA

Complaint narrative:
I am the author of this complaint and the attached letters associated with this complaint I recently checked my credit report and I noticed that I had numerous inaccuracies and unauthorized inquiries I tried reaching out to the credit reporting agency but they did not fix the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
The debit from XXXX is showing as in collections on my credit report. 
Date Open is stating on XX/XX/XXXX, XXXX creditor -XXXX  for the amount of XXXX. I contacted wayfair once I seen it was on my credit. They stated after investigation that they didnt show that anything debit or account was listed under name and information. They then sent me a documentaion on XX/XX/2020 stating that they terminated collection and have indeed do NOT have a balance nor any debit with them. 
I have the orginal documentaion available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 In accordance with the Fair Credit Reporting act XXXX Account Experian # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: MN

Complaint narrative:
I am requesting assistance on a reverse mortgage issue for my brother, XXXX XXXX XXXX. He is a XXXX veteran that has had a XXXX and struggles daily with memory issues. He has been able to live in his home until a recent bout with co-vid 19 at which time he was hospitalized and is currently in a skilled facility for rehab. XXXX did a reverse mortgage with AAG in XXXX. 
XXXX XXXX has been his power of attorney since XX/XX/XXXX so he is handling paying XXXX monthly bills during his nursing home stay. In going through his paperwork we discovered a notice from AAG stating that XXXX XXXX has been sold at auction and he will need to exit the home by XXXX of XXXX. We made sure he was paying the taxes and home insurance. We are unable to get much information regarding this but we were told by the XXXX XXXX XXXX that it was because he did not complete the paperwork to state he was still living in the house. We have been unable to find any paperwork requesting this information. We do not know which way to go with this and don't want him homeless. Any assistance would be appreciated. POW is XXXX XXXX XXXX. XXXX. or ( XXXX ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: NJ

Complaint narrative:
XXXX XXXX XXXX is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$2600.00}. In accordance with the Fair Credit Reporting act 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 an 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 Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$2600.00}. In accordance with the Fair Credit Reporting act 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 an 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 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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I made a total of ten payments to two different TD Bank credit cards from my XXXX XXXX XXXX  account. The money came out of my account, but was never credited to either TD Bank credit card. 

I have contacted both XXXX XXXX XXXX and TD Bank Card Services multiple times. XXXX XXXX XXXX explained to me that the electronic transfers came out of my account and gave me proof of the electronic payment made to TD Bank. TD Bank Card Services has been extremely difficult to deal with, and seems to have no record of any of these payments. Additionally, I have to explain the entire situation to a new person every time I get on the phone. On XX/XX/XXXX, after hours on the phone with TD Card Services, a representative asked me to send a paper letter with the print outs of the proof of electronic payment. I did so on XX/XX/XXXX When I followed up by phone multiple times, no one seemed to know what I was talking about. 

The total amount I have paid to TD Bank credit cards, for which I have proof of electronic payment, is {$2200.00}. 

Here are the dates and amounts of the missing payments : XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$530.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX This money that has come out of my bank account, but not been credited to my TD Bank credit cards, has been accruing interest for almost two years. Additionally, I have wanted to pay off both credit cards in full, but I have been unable to because I don't know exactly how much I owe due to the fact that 10 payments were uncredited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: PA

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

XXXXDEPT OF ED : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any 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 2023-02-10 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: Experian Information Solutions Inc.
State: PA

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

XXXXDEPT OF ED : 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 XXXXXXXX 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 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any 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 2023-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We were with Wellsfargo Mortgage XXXX between XXXX they sold our Mortgage with any information into reasons why! We were never late couldnt get any understanding from them on several occasions! Trying to understand???

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 2023-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
On XX/XX/2022 XXXX foreclosed on my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Attached Exhibit A shows the foreclosure document. Carrington foreclosed on me prior to the 90 day wait period requirement. This 90 day wait period requires Carrington to not foreclose on me until 90 days have passed since the time Carrington can legally start that 90 day foreclosure clock. Attached Exhibit B shows the recission date of my foreclosure to be XX/XX/2022. Attached Exhibit C page XXXX shows the date I came out of the covid forbearance. The date is XX/XX/2022. This document states, " It is important to understand that your XXXX XXXX forbearance plan is ( set to expire or expiring ) on XX/XX/2022 ''. This means Carrington can not start the forbearance 90 day countdown until XX/XX/2022. From XX/XX/2022 until XX/XX/2022, the day Carrington foreclosed on me is only 47 days. This makes the act of Carrington foreclosing on me incorrect, illegal, and unnecessarily costly to me. Attached Exhibit C page 2 shows Carrington telling me, " your loan is no longer in forbearance, and we have resumed standard servicing on this loan. '. This is proof Carrington knew it was breaking the law when it foreclosed on my property 44 days early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
It all started back in XXXX of XXXX, I had to relocate to another location for business. I used XXXX XXXX however I think they registered it as a different name, XXXX XXXX. My name is XXXX XXXX. On XX/XX/XXXX at XXXX XXXX  ( Arizona Time ) I received a call from XXXX, which rang once than hung up. I called back the number which the lady that answered represented herself as Convergent Collections asking for XXXX XXXX and that she couldn't explain herself until I advised that I was XXXX XXXX. XXXX XXXX is the alternative name I use for my wife 's account with XXXX since I prefer that name, not my legal name. She wanted me to verify the address which I provided my current address but she said it was wrong. Then proceeded to give me hints as far as the name and spelling of the address. After that was confirmed she mentioned that the bill was from XXXX XXXX and was for a total of {$21.00}??. (? is in place because I do not remember the change amount. ) I advised that XXXX XXXX does not exist and is not a valid person and asked for more information on the debt, as far as date of birth or social used. While looking for this information, she specifically stated the following : " It is only {$21.00}, I would hate for this to be used against you. '' At this time I again stated that I dispute the vidaility of the debt and told her that the company has a time limit on when they need to respond. She advised that the company is quick and I will have an answer in the mail. 

The fact that she did not verify date of birth to confirm who she was speaking to is in fact the debtor and threating that this will be used against me if I do not pay is outrageous. I can only imagine how many times people give in and play along because they do not understand that debt collectors are limited on what they can do and say. I bet there are hundreds if not thousands of people being treated the same way.

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 2023-02-10 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: CBC Companies, Inc.
State: KY

Complaint narrative:
When I checked my credit report I found out XXXX XXXX XXXX is incorrect and unverifiable. The balance, the dates tagged as late and other information are all incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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.. 

I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portfolio Recover keeps on calling me everyday after I tried to settle the account and could not reach an amount number. 
I have asked several time to stop calling me, they have also tried calling me at work and haraism coworkers. 
i am afraid that I will loose my job as a result of their harassment call 's XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Veros Credit, LLC
State: FL

Complaint narrative:
Dear Veros Credit, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( Veros Credit ) are " requiring '' a cash down payment. I am demanding that Veros Credit provide verification of XXXX XXXX, XXXX, statements that Veros Credit are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation