vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 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: NC

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 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 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 2023-08-04 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: NC

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 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 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See my attachment. I have a couple addresses which I have the slightest clue as to where theyve been acquired from, as Im unable to receive mail to those addresses, so Id like them removed immediately. Thank you.

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 2023-08-04 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: GATEWAY FIRST BANK
State: PA

Complaint narrative:
Earlier this year, Gateway Mortgage accepted and deposited my XXXX mortgage payment on XX/XX/XXXX ( XX/XX/XXXX ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

Gateway Mortgage has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/XXXX, XXXX XXXX, XXXX ). 

My payment was not 30 days overdue and my credit report has an error on it due to how Gateway Mortgage chooses to report. 

I can provide documents from my bank and from Gateway Mortgage which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with Gateway Mortgage and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony bank keeps adding a phone number which does not belong to me as the only option for 2fa verification. This has prevented me from accessing my account online as I can not login using any phone number that belongs to me. I have repeatedly contacted synchrony bank to ask for assistance with this issue and have been repeatedly told that the phone number is being updated and I should try again in 24 hours.

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 2023-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
It's a Capital One XXXX XXXX I was making a payment for {$300.00} on their app XX/XX/2023, and I changed my mind about the amount so I cancelled it, the app acknowledged the cancellation, so I thought I was fine. Then I went back on and made the minimum payment instead minutes later. My bank can confirm this. Later I went onto my bank account and noticed it had gone through for the {$300.00} payment in addition to the other payment. I called Capital One immediately, they said they had no record of the cancelled transaction. I asked them why I would make a {$300.00} payment and then a minimum payment? They had no answer. They then said in order to refund my money they'd have to send a check but it would take weeks. I do not believe this is a glitch in the app. I believe it's intentional. I believe it's a way to keep the extra money because people can easily make typos on an app. In this instance, that's not the case. There was no typo, I cancelled it. I should have taken a screen shot of the cancellation message. On the app it's called " XXXX '' and I believe this is a way to scam people out of unintended payments because they'll just not escalate the situation to wait weeks for a check to come. My bank is going to refund the money for an unauthorized transaction, but I felt this should be reported as it's definitely a scam by Capital One. This app, I believe was set up to not cancel a transaction as it says it will. It asks to confirm or cancel or something to that effect and I clearly hit the cancel button, it said it was cancelling the payment, but did not. It wouldn't surprise me at all if this has happened to many others the same way. I've included a screenshot of the two transactions without revealing bank information, and redacted my name and numbers of certain information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: AZ

Complaint narrative:
My Previous complaint XXXX AFNI XXXX has taken over collections for XXXX  XXXX this was the originally disputed back in XX/XX/XXXX, when I found the charge on my account. I had not received any correspondence from XXXX XXXX after CFPB response that XXXX XXXX was suppose to respond to me directly on verification of the debt. In review of my credit report. I see that AFNI has now become the new collection agency in pursuit of this debt. I did contact AFNI XX/XX/XXXX, and spoke with representatives XXXX and XXXX, initially they were pursuing the individual with a FL address. The person who opened account resided at XXXX XXXX XXXX, XXXX XXXX XXXX. I have never lived in GA or FL, nor have any relatives or known persons in that state. I was informed by AFNI to file an identify theft app directly with XXXX XXXX, I will do so. Also I informed XXXX and will be uploading the last report XXXX, and new report to XXXX directly upon completion, so they can be involved. I would like your assistance to put this matter to rest, as it is negatively impacting my credit report. I have not received any direct mail yet, since I gave my address to the representative XX/XX/XXXX, I am sure they will eventually send one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: FL

Complaint narrative:
I received notification from Experian on XX/XX/23 that they had completed their investigation of a disputed bankruptcy record on my consumer file. Once again, Experian has not provided me the name, address, and phone number of the public record vendor it used to verify the accuracy and completeness of this record so that I may dispute this inaccurate. Experian has already admitted that the courts DO NOT REPORT to credit bureau and that it relies on a " PUBLIC RECORD VENDOR ''. This is a direct and repeated violation of the FCRA. All complaints and evidence will be used against Experian in a federal court if this record is not removed or the vendor information is not released. This will be my final attempt to resolve this issue before it is escalated to an attorney. Please DO NOT send a generic response. I am not requesting the validating of this record ; I am requesting the name of the source used.

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 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Called transunion to get unauthorized inquirys removed Sent in letters police reports XX/XX/XXXX 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 explanation
Consumer complaint received 2023-08-04 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: SC

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number XXXX, Account name XXXX XXXX XXXX XXXX account number XXXX, Account name : XXXX XXXX account XXXX, Account name : XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX  account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am having some issue with my credit and have noticed a few accounts that are not being reported correctly and based on the information I read online and on the CFPB website, I disputed these items with the credit reporting agencies. Experian keeps sending me emails saying they don't believe the disputes are from me after responding to them that it is me and giving them proof that it's me including personal information and documentation to support it. I'm trying to resolve these issues on my credit report and every time they reply with the same email! I don't even know how they got my email address in the first place, I never sent them my email, I sent them a dispute letter in the mail with the accounts in question. I'm curious if this is some kind of scam that Experian is doing to avoid correcting misinformation on credit reports? I was under the impression that the credit reporting agencies had to comply with laws that protect consumer rights. I read that the Fair Credit Reporting Act says they have to investigate and respond within 30 days directly from the CFPB website however, it seems they refuse to investigate and never respond within that 30 days. I also read that if they do not correct the misinformation or respond within 30 days they have to delete that misinformation, yet they never do. I am filing this complaint to let the CFPB know that Experian or someone acting as Experian is sending emails refusing to comply with these Federal Laws that are supposed to allow consumers to correct their credit reports. I'm asking the CFPB to please investigate on why Experian is sending these emails or if this is some sort of a scam that is preventing my information to be corrected.

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 2023-08-04 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: Cascade CISS Holdings, LLC
State: AL

Complaint narrative:
Upon checking my credit report I noticed my account was misused and violated my privacy as a consumer. I did not give the authorization to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I used my XXXX account to send my son {$500.00} from my Wells Fargo account to his XXXX  XXXX XXXX account. My son nor his bank received the funds. on my Wells Fargo account it listed my son named twice and I was told it went to my son at another phone number. That is not possible because I only used my son phone number and his bank verified that money was never received by him. Wells Fargo showed 2 accounts with my son name yet different phone number but now its only showing one name and phone number. I think this needs to be investigated further and my {$500.00} put back in my account. No one responded to me to see who actually received the money

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 2023-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I paid settlement XX/XX/XXXX they then tried charging me the rest without my knowledge XX/XX/XXXX after I made settlement and lying that i wanted to pay in full and I keep getting harassed.

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB-XXXX XXXXXXXX, XXXX  should be removed, deleted and update to current with 3 major credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Acrisure Mortgage Partners, LLC
State: GA

Complaint narrative:
I have attached all of the paperwork from FBC concerning an overage of my escrow account. I also have screen shots of the online chats with reps. I was supposed to receive {$520.00} overage as of XX/XX/XXXX which also documented my new monthly payment. When I called at the end of XXXX, the rep told me I couldn't get until I made my XXXX payment which goes against the 30 day payout law that they have breached ... THEN On XX/XX/XXXX, I went to online chat on their website, i got the first answer of it will be mailed out by XX/XX/XXXX ... then on XX/XX/XXXX, the chatroom rep told me no overage and that a {$500.00} payment to ME had been applied to the back end of the loan. NONE of the numbers on the attached paperwork add up to what they are trying to tell me, I have requested a call back FOUR TIMES and no one has called. They can not answer the question of WHERE is the money and WHY a payment of {$500.00} was made to the loan. I have requested a transcript of all the calls I made and the last rep told me to get a subpoena! I am APPALLED at the lack of knowledge, respect AND customer service. I am EXPECTING my overage payment of {$520.00} PER THEIR OWN LETTER AND FIGURES!!! This is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My loan transferred to NewRez/Shellpoint on XX/XX/2023. Their app referenced that I was in Bankruptcy, and confirmed on a phone call with XXXX at NewRez on XX/XX/2023, it was determined that the mortgage servicer indicates that my loan is in Bankruptcy. I reaffirmed my mortgage loan and later, my bankruptcy was discharged. That was 13 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I have been disputing with Fair collections and Outsourcing & professional debt Me to remove a collection that they are reporting that is not me.

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 2023-08-04 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: WI

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX reported a XXXX collection to my credit report which is not mines.

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