vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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:
XXXX XXXX XXXX has failed to report to the credit reporting agency the true and accurate information on my report it is against the law to report fraudulent information attached is a letter from XXXX XXXX executive saying that they account is paid in full and that they are refusing to send me my 1099 oid 1099a and 1099c tax documents, even though they said in the letter that they only send those documents to people who owed them debt. Also they failed to provide the Accounting of my XXXX XXXX account so i only think that they have something to hide. I demand the ledger of the account along with the 1099s i request. So can i get treated equally with full faith and credit.

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 2022-12-15 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:
XXXX XXXX XXXX has failed to report to the credit reporting agency the true and accurate information on my report it is against the law to report fraudulent information attached is a letter from XXXX XXXX executive saying that they account is paid in full and that they are refusing to send me my 1099 oid 1099a and 1099c tax documents, even though they said in the letter that they only send those documents to people who owed them debt. Also they failed to provide the XXXX of my XXXX XXXX account so i only think that they have something to hide. I demand the ledger of the account along with the 1099s i request. So can i get treated equally with full faith and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank has grossly mishandled my payment for an account, improperly reported my account as 30-days past due, and despite its own recognition of its error and compelling evidence I have submitted, refuses to correct my credit report, despite several attempts on my part. I believe this is a violation of the Fair Credit Billing Act, and other consumer laws, and seek immediate remedy from the Company. Please see attached documentation, for an extensive discussion of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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:
I have mailed a letter to experian information services to update my current address and remove all other address on my report because they are not accurate. I have submitted information to verify my identity and my current and accurate address. Experian has notified me that they can not remove any addresses.

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 2022-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was in a XXXX XXXXXXXX bankruptcy which just concluded. During the last 7 years I made payments totaling about {$80000.00} to Navient. The checks were all cashed but never applied to my account. I have made 3 separate requests to Navient to resolve this matter including providing written proof of payments to them showing their checks were cashed by them. My first request was not responded to. When I called I was told they could not read my documents I submitted. My second request was then escalated by a call center agent. Response received was a letter showing me the payments that were applied which did not include the payments I made. I already understand what Navient has applied to my account I need someone to take this seriously and actually do some research as to where the money had been applied. My 3rd request was resubmitting the documents showing my payments. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : 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 2022-12-15 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: World Acceptance Corporation
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. 

Account name : # 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 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. 


I have called and spoken with customer service of WFC, and I have filed disputes with XXXX, XXXX, and XXXX with no resolution. When I asked about speaking to management, I was told they do not speak with the public. 

Both are charge-off accounts. However, one credit bureau says it's a collection account.

When I called, I was told that one CHARGE OFF account was recently sold to a collection agency called XXXX XXXX 

Incorrect and inconsistent amounts are listed on each bureau related to dates opened, Information is listed differently related to secured loans, collection, and charge off. 

The balance has been increasing, which should not be due to it being charged off. It should be continuously reporting a charge-off monthly, nor should it be accumulated interest if it has been charged off already. 

If the account has been sold, it should be deleted, as this will be double jeopardy in reporting two duplicate accounts on my report. Especially if one has been charged off and you have legally taken it as a loss with IRS. 

The consistent inaccurate reporting on my credit report over the past several years needs to be fixed by removing these WFC accounts. I have tried to rectify this over the past 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: NV

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 XXXXXXXX : # XXXX XXXX XXXXXXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX 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 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.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2022-12-15 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: NV

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. 

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 XXXX 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 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 XXXX 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.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2022-12-15 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: CA

Complaint narrative:
I am a victim of I Identity Theft. I have sent in FTC Affidavit relating to the XXXX XXXX and EQUIFAX data breaches with addresses, names, XXXX, and accounts that were not mine While waiting for remedy, a new collection from XXXX XXXX appeared in the mist of dispute showing a new account had opened. I never consented or knew of this debt. this debt was disputed previously deleted and has illegally reappeared as a new account. I have never consented nor ever had applied for account. 
FRCA laws and U.S.C 1681 states reaging and knowingly reporting inaccurates and fraudulant are a violations. to my consumer rights. 
Also the XXXX late payment showing from XXXX XXXX should been deleted for during the XXXX XXXX XXXX, credit agencies may not report adverse payments to a consumers report. I have spoken to bank and they updated to good standing but Credit agencies still showing incorrect and misleading info. 
I am requesting these acccounts to be deleted. 
XXXX XXXX XXXXXXXX {$2700.00} date opened XX/XX/2022 XXXX XXXX XXXX XXXX {$120.00} date XXXX XXXX XXXX XXXX paid off XXXX XXXX XXXXXXXX XXXX off XXXX XXXX XXXX XXXX  XXXX off XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: FL

Complaint narrative:
In XX/XX/2022, I applied and was approved for a loan of {$1300.00} with SeedFi. {$650.00} came to me via XXXX and {$650.00} was supposed to set aside in a savings account. On XX/XX/XXXX at approximately XXXX am, I received an email from SeedFi stating my account would no longer be serviced by Seed Fi and that XXXX XXXX XXXX XXXX XXXX XXXX or XXXX would be taking over. After making my payments of {$60.00} every XXXX weeks for almost a year, I had a small balance left of {$140.00}. I paid that off on XX/XX/XXXX ( including the XXXX fee for the online ACH payment ). It is now time for me to collect or gain access to my savings totaling {$650.00} and XXXX is holding up the process. I have received several different responses to my inquires from XXXX, including my funds would be wired to the bank account in which my last payment, that I would be mailed a check within 10 days, now I'm being told it can take up to 30 days to get money owed to me. I don't know what to believe when dealing with this company and with SeedFi. I just want my money so I can give my kids a good XXXX and XX/XX/XXXX is not acceptable. I just want what's mine and what I'm contractually entitled to. Between Seed Fi and XXXX, they need to figure out a better way to get customers what's owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of I Identity Theft. I have sent in FTC Affidavit relating to the XXXX XXXX and XXXX data breaches with addresses, names, SSN, and accounts that were not mine While waiting for remedy, a new collection from XXXXXXXX XXXX appeared in the mist of dispute showing a new account had opened. I never consented or knew of this debt. this debt was disputed previously deleted and has illegally reappeared as a new account. I have never consented nor ever had applied for account. FRCA laws and U.S.C 1681 states reaging and knowingly reporting inaccurates and fraudulant are a violations. to my consumer rights. Also the 3 late payment showing from XXXX XXXX should been deleted for during the COVID Cares Act, credit agencies may not report adverse payments to a consumers report. I have spoken to bank and they updated to good standing but Credit agencies still showing incorrect and misleading info. I am requesting these acccounts to be deleted. XXXXXXXX XXXX XXXXXXXX {$2700.00} date opened XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX {$120.00} date XXXX XXXXXXXX XXXX XXXX paid off XXXXXXXX XXXX XXXXXXXX paid off XXXX XXXX XXXX XXXX paid off 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 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This Debt is not owed by me resulting in Identity Theft. Amount XXXX XXXX is trying to collect is {$930.00}. The address of this debt was from XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX. I have never lived outside the state of California. 
Nor do I know anyone living in Louisiana. The date of this debt was incurred on XX/XX/XXXX and was closed on XX/XX/XXXX. The account number in reference is XXXX. This is the 5th debt incurred with the theft of my identity in other states. I am a notary in the state of California and have had background checks done once a year.

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 2022-12-15 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: VA

Complaint narrative:
In Accordance with the fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 Section 602A. 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 2022-12-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This complaint stems from a " supposed '' unpaid property tax payment. Both payments were made within the due period. There was a mix-up of my first name on the 2nd payment. The correction was made with the XXXX XXXX Collector. When I received the 1st notification ( approximately XXXXXXXX XXXX ), I spoke with a representative of PHH Mortgage and explained both payments had been made in the allotted time. I then began receiving letters threatening foreclosure. I have spoken with many representatives from PHH many times regarding the situation. I even forwarded, by email, PHH on XX/XX/2022, a copy sent to me by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have continually received threating letters stating I am in foreclosure. The latest letter is from XX/XX/2022. This continual threat is causing me a lot of stress and anxiety. PHH is also charging me {$1000.00} for " paying my property taxes '', which were already paid!! 
I'm hoping that by issuing this complaint I will no longer receive these threatening letters. I only wish I could dissolve this reverse mortgage with this horrible, horrible company. It's been one thing after another with PHH Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am sure you are aware of 88 Stat. 1514, and FDIC XXXX Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and my rights as a consumer. I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from Capital One for the interest I have earned, as a result of Capital One is trading my securities on the exchange. This has been done without my knowledge and constitutes that Capital One trustee listed above is committing SECURITIES FRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192 - All debt is government obligations. 15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.

Company response to consumer: Closed with explanation