vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 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 — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: HW Holding, Inc
State: GA

Complaint narrative:
Please take notice, I have taken every effort to resolve issue via mail and the next steps could be litigation if unresponsive. 

I am attaching previous CFPB reports, previous letters sent, and my final draft of the letter I am sending to demand remedy before possible litigation. 


The information that was reported on my credit report to begin with was never verified by the collection agency. All they did was remove it and say someone sent it to them, it was not verified in any way. The agent also lied and said that the debt was past the age for removal as the reason for it being removed and that is false. ( Please reference all attachments ). I am demanding remedy totaling {$1000.00} for the violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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 — Their investigation did not fix an error on your report
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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 — Their investigation did not fix an error on your report
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: IL

Complaint narrative:
In response to complaint XXXX, Discover Bank stated that they issued a bonus of {$100.00} to my savings account. That deposit never posted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I believe Shellpoint Mortgage is dual tracking my home. I am currently undergoing loss mitigation with this servicer, but I have also received demand letters from their attorney, and my home is listed on my counties foreclosure site with a sale date of XX/XX/XXXX. I submitted a loss mitigation packet on XX/XX/XXXX. XXXX XXXX, the Single Point of Contact emailed me on XX/XX/XXXX to request documents that per the instructions of the loss mitigation packet were not required. I resubmitted my loss mitigation packet as well as the extra documents requested on XX/XX/XXXX to Shellpoint 's loss mitigation email, and also sent hard copies via USPS. I have tried emailing XXXX XXXX about issues relating to the loss mitigation process, and aside from the one email she sent requesting documents she has been unresponsive. Due to a XXXX that impacts my ability to understand and vocalize speech, I require that any communications be in writing, and am unable to call any of the numbers I have been provided for loss mitigation assistance. This is a reasonable accommodation I have requested from both the loan 's owner, as well as Shellpoint, and if they are not responding to emails this will have an adverse impact on my ability to receive loss mitigation assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax regarding two reported collection accounts, XXXX # XXXX and XXXX # XXXX. I disputed these accounts and requested ( see attachment ' [ 5 ] ' ) verification, but despite my request, XXXX continued to send letters claiming that I owe an illegal debt, which they were unable to verify. 

As a result of the dispute, XXXX and XXXX both deleted ( see attachments ' [ 2 ] ' and ' [ 3 ] ' ) the collection accounts off my credit report, but Equifax has not complied and has continued to report the accounts as accurate against my dispute. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681n, which states that any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
During the summer of XXXX, I was getting estimates from several local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that had become fragile due to my old age. The first two XXXX XXXX provided estimates with no charge for the consult. On XX/XX/XXXX, I visited XXXX XXXX for their estimate. Before meeting the XXXX, I signed a financial agreement that addressed my responsibility for charges not covered by dental insurance, which I did not have at that time, and for charges incurred for services, which I would not be receiving, as I was coming for a price estimate consult and not for any services. I did not get the estimate I came for but the XXXX  did suggest that I get XXXX XXXX XXXX, totally irrelevant to my urgent need for XXXX. The XXXX did comment on my other dental issues, all of which I was already aware of and receiving treatment for. As I prepared to exit, I was told that I owe {$190.00}, which I refused to pay because I was not informed of a consult charge, I would not have agreed to the consult if there were a charge, and because I had received no services. Soon after, I received invoices from XXXX, which I returned with a note stating my refusal to pay for the above reasons. In early XX/XX/XXXX, I received a notice from Budget Control Services ( BCS ), XXXXXXXX XXXX collection agency, that gave me directions for disputing the debt. I followed their directions and timely submitted to them my reasons for disputing the debt. On XXXX, I received a credit alert that a negative item has posted on my credit report. On XX/XX/XXXX, I received a letter from my XXXXXXXX XXXX bank informing me that my {$8800.00} line of credit was being reduced to {$2100.00} and that my XXXX XXXX had dropped almost 100 points. I have never been late on a payment as my credit report shows. My available credit is my property and it has been taken from me. This is a defamation of credit, not to mention extortion. According to XXXXXXXX XXXX XXXX reviews, I am not their only victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: CA

Complaint narrative:
To Whom it May Concern, XX/XX/XXXX, I canceled service with XXXX. I moved out XX/XX/XXXX. 
My next statement period started XX/XX/XXXX ; they charged me for another month before cancelling my service. 
I called XXXX repeatedly and would talk with a supervisor who would look into my account and say, " this is a mistake and you do not owe the money ''. 
I wrote XXXX XXXX XXXX an email and by mail ( Dispute # XXXX I never received a reply. 

I then received a notice from CBHV a collection agency reference # XXXX. 
I again sent them a dispute request along with the original note sent to XXXX and never received a reply. This was mailed XX/XX/XXXX. I never received a reply. 

On Monday XX/XX/XXXX, I received a call from another collection agency Convergent at my place of employment. I am extremely upset that they are calling me at work for a debt I do not owe. 
I received on XXXX XXXX I received a notice in the mail from XXXX trying to collect the debt. I again will send out another dispute this time certified mail. 

This is all for {$75.00} I do not owe this money and have repeatedly tried to dispute this. 
I am extremely distraught that they are calling my place of employment. 

If there is anything you can do to help me settle this I would appreciate it. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: MI

Complaint narrative:
I am a natural person I am a living human being I have rights under 15 USC 1681 equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the account listed below be remove because according to 15 USC 1681 I have the rights to privacy and I did not give equifax written permission to furnish these account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am writing this complaint that not only is PayPal violating the law and XXXX rules and regulations in regards to PROVISIONAL CREDITS they are also prohibiting me from accepting money that customers are trying to send to me. Please see a photo screen shot for the evidence of this allegation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello! During the pandemic in 2020, it was difficult to keep up with my payments due to being off and on with work when places would re-open and then close again. 
I had trouble being consistent with my payments, but now I am in a better place as I have a more stable job. I am a hard worker, and didn't mean to miss these payments. I am doing my best to not repeat those same mistakes in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: NY

Complaint narrative:
I never gave this company consent, your company is violating my federally protected consumer rights. This means this company is breaking the law! Pursuant to 15 u.s.c 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After carefully examining my consumer report, I noticed that my consumer report is inaccurate. Pursuant to 15 U.S.C 1681b ( g ) this company does not have permissible, also pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) a financial institution may not disclose nonpublic personal information to nonaffiliated third parties

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 2023-02-15 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: NY

Complaint narrative:
I never gave this company consent, your company is violating my federally protected consumer rights. This means this company is breaking the law! Pursuant to 15 u.s.c 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After carefully examining my consumer report, I noticed that my consumer report is inaccurate. Pursuant to 15 U.S.C 1681b ( g ) this company does not have permissible, also pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) a financial institution may not disclose nonpublic personal information to nonaffiliated third parties

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
15 USC 1681i ( 6 ) ( b ) ( iii ) prohibits the consumer reporting agency upon request from the consumer to provide the contents of the reinvestigation which includes the business name, address, phone number, who was contacted in the connection of the dispute. 

Re : XXXX Equifax credit reports come with the reseller details of the public record attached which is XXXX. 

I sent a letter to the consumer reporting agency requesting for the description of the reinvestigation of who you reinvestigated with meaning the " name '' of the person that validated the public record within your public record source. By FCRA law I have the right to have this information that you are validating on me. 

Reason being is because XXXX sent me a letter stating they do not have a record of bankruptcy on my credit file, and you stated to validated with them. 

How is that? I was not asking for any information that you already provide. If you properly reinvestigated, you should have the name of the person that validated. " NOT THE BUSINESS NAME '' no I can follow up with XXXX. 


Attached : - Original letter sent requesting the name of the person -Proof of identity -Letter from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
On XX/XX/XXXXXXXX, I sold my home at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. The purposes of this complaint are to : ( 1 ) request that LoanCare send my Form 1099 and/or other correct tax documents to me at my home address by XX/XX/XXXX so that I can file my Federal and state taxes for Tax Year XXXX as soon as possible and ( 2 ) to inform LoanCare of my change of address. My new home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. My old home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. My apartment number changed from XXXX XXXX to XXXX XXXX. Thanks for responding to my previous CFPB complaints. Upon receipt of my tax documents, this will be my final CFPB complaint. I filed this complaint because LoanCare 's customer service department does not respond to my requests for information in a timely manner.

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 2023-02-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX mark my account current on my report for XX/XX/XXXX and once I made my XXXX payment they lodged or went back and changed an on time payment to 30 day late but make my XXXX Payment on time. I reach out to each to each credit bureau with my dispute and the company verified this lateness as accurate. 
The company never once reach out to me via phone or mail stating my account was late now in jeopardy of being late. I contact this credit card services before any lateness was ever entered and informed them I am not being informed of any mail or alerts regarding my account. The representative stated that my account was caught and there was no lateness involved with my account. I have proof of this with my statements and I submitted these statements as evidence to the reporting agencies in questions only to be told the card provider states that what they report is accurate when evidence was provided. The credit reporting agency mark it current for the month of XX/XX/XXXX but in XX/XX/XXXX the card provider when back and changed a current payment into a 30 day lateness. They have violated the FCRA and the credit reporting agency was just as guilty when they removed an on time payment two months later to reflect a previous payment on time to a 30 day lateness.

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 2023-02-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX mark my account current on my report for XX/XX/XXXX and once I made my XXXX payment they lodged or went back and changed an on time payment to 30 day late but make my XXXX Payment on time. I reach out to each to each credit bureau with my dispute and the company verified this lateness as accurate. 
The company never once reach out to me via phone or mail stating my account was late now in jeopardy of being late. I contact this credit card services before any lateness was ever entered and informed them I am not being informed of any mail or alerts regarding my account. The representative stated that my account was caught and there was no lateness involved with my account. I have proof of this with my statements and I submitted these statements as evidence to the reporting agencies in questions only to be told the card provider states that what they report is accurate when evidence was provided. The credit reporting agency mark it current for the month of XX/XX/XXXX but in XX/XX/XXXX the card provider when back and changed a current payment into a 30 day lateness. They have violated the FCRA and the credit reporting agency was just as guilty when they removed an on time payment two months later to reflect a previous payment on time to a 30 day lateness.

Company response to consumer: Closed with explanation