vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  accounts, Account name : XXXX XXXX XXXX. 
Account number:XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXXs Account number XXXX XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX have violated my rights : 15 U.S.C. 1681 ( A ) states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C. 1681 ( B ) states : Consumer Reporting Agency can not furnish an account without my written instruction. 15 U.S.C. 1681 ( S ) states : ( a ) Duty of furnishers of information to provide accurate information. 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 notified Experian, XXXX, & XXXX of inaccurate information on my credit report. 15 U.S.C. 1692 ( B ) states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall, NOT state that such consumer owes any debt. I have received numerous phones calls from each of these companies trying to collect the money that i " allegedly '' owe. I feel i have given more than enough proof of the laws that these companies have broken. I need these accounts to be removed from my credit report. if these accounts are not removed from my credit report i will be seeking financial compensation or harassment. 15 U.S.C. 1692 ( D ) ( 5 ) states : causing a telephone to ring or engaging any person in telephone conversation or continuously with intent to annoy, abuse, or harass any person any person at the called number. Thanks for your time and understanding on this matter at hand.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX  Account XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN 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 that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXXXXXX XXXX Account XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN 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 that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Refuse to to remove negative information off my report first off its paid for second they are not updating fast enough and I keep getting denied. Its harming my way of life and movement. Its keeping me stuck

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 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This morning at XX/XX/2022 at XXXX MST I was contacted by midland credit management. The last contact noted for them to contact via mail using the address they already have on file including further detail on original balance of debt one debt 3 years ago. They since then acquired 2 additional credit card debts while I was between settlement vs bankruptcy.I recently spoke to the attorney garnishing my wages noting Ill call once the final payment is resolve and since then they have started to call again and they are well aware of the time zone and address as I was served by an west coast law firm. As of 2 days ago I am a part of the national debt relief plan to settle the remaining accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Florida Pro Mortgage LLC
State: FL

Complaint narrative:
I was trying to purchase the house I've been currently living in from my landlord which is a realtor ( XXXX XXXX ). He has a friend that's a loan officer ( XXXX XXXX ) ( Florida pro mortgage LLC ) our agreement was that my landlord was going to pay for the closing on both sides. One week before the closing he backs out and cancels everything with XXXX. I told him it was not legal what he's doing, so I got a mortgage lawyer. She spoke with him he went along with his friend and started procedure again. I signed 2 DOC ... Then was given a rejection I didn't qualify for the loan the Monday before closing on Friday. Mind you it's a FHA loan ... .. XXXX send me an email saying that I didn't qualify for the loan because of because I didn't make enough money for the loan which is false my credit which is also false it also says that I didn't have enough money for the closing which was also false because they had {$5000.00} in escrow earnest money and what was in my bank account was more than enough. I was asked by both parties to pay off my truck which was {$15000.00} and I did that exactly. I also didn't qualify because I had too much debt also false I have zero debt .... I have a mortgage attorney. I plan to proceed with charges against all parties involved. At this point XXXX XXXX ( my landlord ) is now threatening me with eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
ON XX/XX/22 I WENT TO THE KOHL 'S STORE IN XXXX. I WAS MAKING A STANDARD PURCHASE. THE KOHL 'S EMPLOYEE VOIDED THE TRANSACTION 3 TIMES THAT DAY. TWO FOR {$6.00} AND ONE FOR {$160.00}. HERE IT IS XXXX/XXXX/XXXX  AND THE {$160.00} SHOWS PENDING. HOWEVER, WHEN I CALLED THE STORE MANDAGER AT KOHL 'S STORE IN XXXX AZ. ( XXXX ) HE ADVISED THE {$160.00} WAS VOIDED. THE BOTTOM LINE IS {$160.00} IS IN A JUGGERNUT AND NOBODY KNOWS HOW TO RECTIFY IT. SO THEY ARE NOT LETTING ME USE THE CARD FOR WHAT I SHOULD BE ABLE TO. I SHOULD HAVE {$170.00} ON THE CARD. THEY ARE CLAIMING I ONLY HAVE {$6.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Product from. Bank. Not used or received.15usc XXXX  d abuse update secured savings balances and refunds of all transactions. XXXX  civil liability navy fed credit union is liable..15 usc 1605 truth in lending violations. 15 usc 1666a.b.c.d. treatments of credit balances.. 15 usc 1681 violations privacy act violations. Accounts ending 1665. And all transactions from last 4. 4114.last 4 ending refund demand from all transactions.. 1099 oid is requested and demanded on all accounts from checking accounts for tax purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attachments/attached documents and ID as it contains my full complaint and request.

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 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
From XXXX to XXXX of 2022, i filed a dispute XXXX and Equifax about the Unverified account XXXX  outsourcing account # XXXX. I have not received a response in over 30 days which is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved.. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have XXXX credit inquiries that I dont recognised nor authorised. 

1. XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX DC on XX/XX/XXXX 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 Account # XXXX, has violated my rights. 

Louisiana Child Support Account # XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
My chapter XXXX bankruptcy was XXXX in XX/XX/XXXX. At the time I also ended by service with XXXX with whom I had been a customer since XXXX. I also returned my phones to a XXXX store and retained the receipt. Flash forward to XXXX of XXXX and a collection amount shows up on my XXXX XXXX credit report from Diverse Adjustment XXXX XXXX Inc stating I owe {$450.00} from XX/XX/XXXX that had not previously shown there. I immediately requested via certified mail proof of debit from the collection agency. 

They only sent me an old XXXX billing statement from XXXX that did not even match the amount they claimed I owed. it also showed I had been being charged sales tax for a county and state I had not lived in for two years Prior. The sales tax state and county did not match my address on the statement. I called sprint on XX/XX/XXXX at XXXX PM. The first person hung up on me, the second cold transferred me to someone else who advised I was being charged for never returning the phones. I advised them I did return them and had the receipt to prove it. I was advised they could not help me any further and I had to go through the collection agency. They also advised they had not properly updated my address in their system completely which was causing them to over charge me on sales tax. I called the collection agency and was advised to dispute it on their website and upload an image of my receipt where I returned the phones. I disputed this with the collection agency was asked and to this date have never received a response and it is still showing on my XXXX XXXX report. I also never received any notification of any debt from the collection agency or XXXX other than just finding it on my own on my credit report. 

I am disputing that I owe this debt I was told by XXXX it was a charge for not returning the phones, and I have proof I did return them. In addition, any contracts I may have signed with XXXX prior to my Chapter XXXX Bankruptcy filing were not reaffirmed and should not be collectable or showing as an open collection on my credit profile per the United States Bankruptcy Code. I am also advising that XXXX as well as Diversified Adjustment Services , Inc. did not follow the guidelines and laws of the Fair Credit Reporting Act by properly notifying of me of their claim of debt prior to furnishing damaging information to the credit bureaus. I also believe this mistake by XXXX and Diversified Adjustment Services, Inc caused me damages by causing me to have a higher interest rate on a loan I received in XX/XX/XXXX as they never informed me of their claim of debit or that any negative information was being furnished to a credit agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Credit Bureaus stated XXXX XXXX XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on 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 explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION
State: NE

Complaint narrative:
My wife and I finalized our cash out refinance of our home on XX/XX/2022. We had done much work on our house and were able to refinance at a much lower interest rate and were also able to get a 15 year mortgage rather than the 30 year that we had previously. Both the original mortgage and the refi were through Alliant Credit Union. We, up until now, had been extremely satisfied with them as a loan servicer. We were able to stop renting and also bought a new car through them. 

Our new mortgage amount was supposed to be automatically deducted from our checking account as of XX/XX/XXXX, and every future payment would be on the XXXX of each month. The XX/XX/XXXX payment still has not been deducted. When I log into their mortgage payment website, the information that is displayed is our old mortgage information. We can not pay our new mortgage amount. 

On XX/XX/XXXX I contacted the person who I dealt with at Alliant for the refinance and she said she would communicate with the relevant dept. A week later I had still heard nothing so I contacted another loan officer who we had worked with in the past. He too said that he would contact the relevant dept and copied my on the email chain. As of today we have still heard nothing from Alliant.

Prior to sending this complain I emailed and text them again to see if I could get an update. One replied that the loan was being handled by a 'sub-servicer ' and that I would need to contact them. So, before I contact them, I want to open a file as this can not be an acceptable way to handle a mortgage. If we hadn't paid our first payment, then they would surely report us to the credit bureaus ... but if they do not properly handle our payments there must be some penalty for them.

Company response to consumer: Closed with explanation