vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-01 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: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX " ACCT XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX '' ACCT 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 XXXX XXXX A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-01 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: MI

Complaint narrative:
i lost my wallet that contained my social security card and id years ago when i was about XXXX i am XXXX now, i have filed multiple identity theft reports. i have also challenged the information on my credit report i have not had any success getting these items that are fraudulent off my credit report.i am asking for assistance in enforcing the law, so that my credit report will reflect 100 % accuracy 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 2022-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
My Mortgage is a VA, 30 year fixed loan, with a 2.25 % and I have never missed a paymentor otherwise been late. In 2021 a neighbor mentioned Forbearance, and I called and asked a few clarifying questions. After getting the answers, I decided that it was not for me ; I continued to make my normal payments. However, Freedom Mortgage suddenly started to charge me extra each month : {$160.00} and {$170.00}. I contacted Freedom Mortgage, and eventually, I was told that I only owed the normal amount ... {$880.00} ; although I do have a partial tax exemption, because Im a 100 % service connected XXXX XXXX, so my payment prior to the exemption is {$960.00}. 

I have since discovered that in 2021 Freedom Mortgage opened a Forbearance plan on my home, and while I dont know for certain, I suspect these charges are tied to that document/plan. I have made every payment before I asked about the Forbearance, and after ; which adds credibility to my claim. Said differently, had I intentionally filed a forbearance my payments would have stopped or drastically reduced. 

This has left me thinkingWTF???

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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX I 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692b ( 4 ) not communicate by post card 15 U.S. Code 1692 ( 2 ) not state thar such consumer owes any debt 15 U.S. Code 1692 ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

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 2022-05-01 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: MI

Complaint narrative:
i lost my wallet that contained my social security card and id years ago when i was about XXXX i am XXXX now, i have filed multiple identity theft reports. i have also challenged the information on my credit report i have not had any success getting these items that are fraudulent off my credit report.i am asking for assistance in enforcing the law, so that my credit report will reflect 100 % accuracy thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: MI

Complaint narrative:
i lost my wallet that contained my social security card and id years ago when i was about XXXX i am XXXX now, i have filed multiple identity theft reports. i have also challenged the information on my credit report i have not had any success getting these items that are fraudulent off my credit report.i am asking for assistance in enforcing the law, so that my credit report will reflect 100 % accuracy 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 2022-05-01 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: CA

Complaint narrative:
I have 12 months of PAANLP ( paid as agreed no late payment ) not showing on my Experian credit report. I SEND EXPERIAN MY BANK STATEMENTS OF THOSE 12 months. Those months are XX/XX/XXXX- XX/XX/XXXX. The account is XXXX XXXX XXXX XXXX. They have not corrected my report. I have tried numerous times to make them understand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXX two of my credit card accounts were closed by Chase. The reason I was told they were closed was because my account is delinquent, bankrupt, or in a payment program none of which are true. I have been sending negotiable instruments/coupons every month on time for all 3 of my accounts since XX/XX/2022. I have also filed1099a forms to settle the account and Chase refused. Chase refuses to accept the coupons and credit my account. Chase is in constant violation of UCC 3-603. None of my coupons have been returned for dishonor and I have not received any instruction on how they would like the coupon endorsed for proper acceptance. My accounts are not delinquent and have been paid on time every month however Chase refuses to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In accordance with the credit Reporting act Portfolio Recovery Associates # 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 reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: WY

Complaint narrative:
When shopping for a mortgage I have had credit ran within 45 days, as per the law, I am able to shop without counting as multiple inquiries. However, this is not the case as each has resulted in multiple inquiries on my credit. I am self employed and had trouble with finding appropriate mortgage specific to my situation. This has made it completely unable to obtain business credit as I am working on building business credit as well as bringing down my credit score and requiring more of down payment requirements along with higher interest rates. I contacted creditors along with credit bureaus and every time they state it is verified. Each inquiry is not consistent with it stating mortgage inquiry rather multiple are labeled as misc or bank credit. 

XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-01 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX " ACCT XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX '' ACCT 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 XXXX XXXX A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-05-01 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX " ACCT XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX '' ACCT 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 XXXX XXXX A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I had a debt over {$600.00} due to XXXX XXXX XXXX. In XXXX, they sent me a final notice stating that my total due was now {$1200.00}. Once calling XXXXXXXX XXXX XXXX  they agreed to a one time payment of {$600.00} if paid that day. I completed payment, and account was to be closed. 

On XX/XX/2022 I received a notice from collection agency " XXXX XXXX XXXX, XXXX '' that I owe XXXX XXXX XXXX XXXX {$460.00}. This is incorrect, as I had already paid my agreed upon amount of {$600.00}, and closed account. 

This collection of more money is fraudulent on behalf of XXXX XXXX XXXX as I was told my debt was settled, and no further actions were needed the day I paid off and closed account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This debt collector continues to garnish my Tax refunds without ever sending proof of debt. Ive never received a phone call or written notice from them. Ive called them several times to get proof of debt for over a year now, without success. They continue to collect interest on the debt and whenever I call they provide me with inaccurate payment information. Last year my debt was {$1600.00}, they applied my tax refund of {$1300.00} this year. Yet, my valance is {$1700.00} now. Please I need some assistance. They say they dont know why my balance went up by over {$1000.00} within a month that they need time to disputed with the original creditor. Meanwhile, continuing to collect interest on the debt. At the same time refusing to provide me with the original creditors point of contact. They keep saying that it is pointless for me to call the original creditor. While i keep on insisting to please provide me with a number so I can call them. I dont know what else to do. Please help me resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
RECEIVABLES PERFORMANC has violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX I 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692b ( 4 ) not communicate by post card 15 U.S. Code 1692 ( 2 ) not state thar such consumer owes any debt 15 U.S. Code 1692 ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX I 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692b ( 4 ) not communicate by post card 15 U.S. Code 1692 ( 2 ) not state thar such consumer owes any debt 15 U.S. Code 1692 ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Hello on CHIME BANK stole my social security administration They closed my account with my recollection at all illegally And still can not access miey for months ..I need a layer and refunf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  In accordance with the fair credit XXXX XXXX # 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 an account without my written instructions.

15 USC 1666B : A creditor may noga treat a payment on a credit card account under an open-end 157 consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent out a letter to all XXXX credit bureaus stating that the Department of Education/Nelnet is reporting inaccurate information. On XX/XX/XXXX, I sent a letter to the Department of Education/Nelnet regarding my concerns about reporting inaccurate information to XXXX, XXXX, and XXXX. I never got a response back from Nelnet. I sent out 3 additional disputes to all XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX and the late payments for XXXX accounts are still reporting " LATE '' for six months from XX/XX/XXXX to XX/XX/XXXX. 

I Provided documents to Nelnet and to all XXXX credit bureaus that I was never late, I was in school with XXXX units or more and I just recently graduated on XX/XX/XXXX. Furthermore, payments back to student loans begging 6 months after you are done with school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
This debt collector continues to garnish my Tax refunds without ever sending proof of debt. Ive never received a phone call or written notice from them. Ive called them several times to get proof of debt for over a year now, without success. They continue to collect interest on the debt and whenever I call they provide me with inaccurate payment information. Last year my debt was {$1600.00}, they applied my tax refund of {$1300.00} this year. Yet, my valance is {$1700.00} now. Please I need some assistance. They say they dont know why my balance went up by over {$1000.00} within a month that they need time to disputed with the original creditor. Meanwhile, continuing to collect interest on the debt. At the same time refusing to provide me with the original creditors point of contact. They keep saying that it is pointless for me to call the original creditor. While i keep on insisting to please provide me with a number so I can call them. I dont know what else to do. Please help me resolve this issue

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 2022-05-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS NOT A CONSUMER DISPUTE REQUEST! I AM NOT REQUESTING THAT EXPERIAN DISPUTE ANY ACCOUNTS IN THIS COMPLAINT. THIS IS A COMPLAINT OF EXPERIAN NON-COMPLIANCE of FCRA 611 ( a ) ( 6 ) ( B ( iii ). 

On XX/XX/2022, I sent an correspondence to Experian requesting the Method of Investigation for the prior disputed accounts that was submitted on XX/XX/2022. I have reason to believe that a thorough investigation was not completed therefore I requested the Method of Verification from Experian. 

As stated in the FCRA 611 ( a ) ( 6 ) ( B ( iii ) provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Experian failure to comply with FCRA in regard to providing me with the method of Verification is a clear violation of my federal rights as a result of their non-compliance. Experian ignored my request and sent me a general response non-related to the Method of Verification that was requested.

FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I have not received the Method of Verification from Experian. I am attaching the original Method of Verification Request that was sent to Experian. I am also attaching the certified mail receipt and signature receipt showing that Experian did receive the correspondence.

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