vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Credit Bureau never did a proper " investigation '' according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information.

They did not do this!!!

Credit Bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activity is not accurate date reported is not accurate and even by the report company XXXX XXXX XXXX  formally known as XXXX XXXX closed the account and showed " SATIFACTION OF DEED OF TRUST '' The account number is inaccurate that account was closed and the same account number is being use, a direct violation and against the law, inaccurate. This is grounds for account removal. 
The account is showing open XX/XX/2015, account type, " Mortgage '' same account number that was closed XXXX See attached court recorded document. This is grounds for immediate removal They also violated the law because according to : 15 U.S.C. 1681 section 602 A. States, I have a Right to privacy 15 U.S.C. 1681 Section 604 A section 2 : States, It also states a consumer reporting agency can not furnish a account furnish a account without my written instructions. 

I did not give anyone written instructions. A direct violation

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 2022-04-10 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Account # XXXX The Above-mentioned Accounts have 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

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 2022-04-10 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Account # XXXX The Above-mentioned Accounts have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Auto Loan In accordance with the Fair Credit Reporting act XXXX  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

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Auto Loan In accordance with the Fair Credit Reporting act XXXX  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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
n accordance with the Fair Credit Reporting act Transworld system 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. 

Transworld system inc at XXXX XXXX XXXX XXXX, DE XXXX has been sending me collection notices in the amount of {$3300.00} the collection has been reported as Paid balance. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XXXX the XXXX I received a letter from XXXX XXXX XXXX XXXX. The letter stated I owed XXXX as of XX/XX/2022 and the creditor is PayPal Inc. I do not have a PayPal account and never have had one. It references account number XXXX. This is a fraudulent attempt to collect money. I looked on line and it appears this company is doing this to multiple people. My concern is if everyone knows about this, why is our government protection agencies not doing anything about them? 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Basically What Is Going On Is.. My Credit Report Is Showing Up To Date Information About My Payment History About A Credit Card I Owned That Was Closed On XXXX. 
However As I Begin To Look On " Experian '' And Also " XXXX '' I See " No Data Provided ''. There Is No Information Provided Of Any On Time Payment History I Was Making On This Account. I Would Immediately Like This Information To Be Updated. Or For This Account To Be Disputed And Removed From My Credit Report Completely At The Soonest Convenience. Thank You Have A Blessed Day!

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 2022-04-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unauthorized Inquiry on my Experian 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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Basically What Is Going On Is.. My Credit Report Is Showing Up To Date Information About My Payment History About A Credit Card I Owned That Was Closed On XXXX. 
However As I Begin To Look On " XXXX '' And Also " Transunion '' I See " No Data Provided ''. There Is No Information Provided Of Any On Time Payment History I Was Making On This Account. I Would Immediately Like This Information To Be Updated. Or For This Account To Be Disputed And Removed From My Credit Report Completely At The Soonest Convenience. Thank You Have A Blessed Day!

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 2022-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
So my wife and I had a second mortgage ( heloc ) with BOA we were in bankruptcy in XXXX and made all the payments and finished it in XXXX we carry on paying first and 2nd mortgage then in XXXX last year we tried to refinance but we we're told they could not find anything on a heloc or 2nd mortgage so we called BOA i and was told the account was charged off in XXXX so I dig some digging and found that they had filed a substitution of trustee and full reconveyance in XXXX. 
After exhausting all calls to BOA to no success I am making this complaint I am kind of confused that it was charged off and also ourself and our bankruptcy attorney was not notified by letter or anything and damaging our credit score for XXXX years for no reason also they will not tell us if it needs to be payed or not

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 2022-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Nordstrom- I got their response from the previous complaint. They indicated that my check was insufficient fund. I tried to pay with cash at the store and using my XXXX XXXX card. They couldnt accept my payment through that method. That does not have any factor to me making a payment to resolve the issues it possible. AGAIN IF THEY COULDNT ACCEPT MY PAYMENT WITH THE METHOD IT WAS GUARANTEED, THATS NOT MY FAULT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX opened a collection account on XX/XX/2022 in the amount of {$780.00} in my name. They have used a collection agency called Account Resolution Servi to attempt to collect this fake debt. I have never heard of this company before. I do not know why they are trying to charge me for something when I have never used their services before. There are reviews from multiples people stating they have been victims of these false collection scams before by this company.

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 2022-04-10 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Disputed the following unknown inquiries that I did not authorize that still havent been removed from my Experian credit report : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX 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 2022-04-10 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: NY

Complaint narrative:
Unauthorized Inquiry on my Transunion 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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Company Has Inaccurate Reporting Of Payment History. I've Tried Numerous Times To Dispute This False Information But They've Never Removed It. With Transunion And XXXX It Is Not Showing My Last Payment With The Bank XXXX XXXX XXXX My Last Payment Was In XXXX Of The Year XXXX. Please Either Alter And Correct This False Information On Transunion And XXXX, Or Delete The Account From Reporting On My Credit Report. 


False Information ( s ) Is Being Reported On My Credit File, Please Either Alter The Information And Make It Up To Date, Or Permanently Remove This Item From Further Reporting Incorrect Information ( s ) From My Credit Report. It Will Be Greatly Appreciated.

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Company Has Inaccurate Reporting Of Payment History. I've Tried Numerous Times To Dispute This False Information But They've Never Removed It. With XXXX And Experian It Is Not Showing My Last Payment With The Bank " XXXX ''. My Last Payment Was In XXXX Of The Year XXXX. Please Either Alter And Correct This False Information On XXXX And Experian, Or Delete The Account From Reporting On My Credit Report. 


False Information ( s ) Is Being Reported On My Credit File, Please Either Alter The Information And Make It Up To Date, Or Permanently Remove This Item From Further Reporting Incorrect Information ( s ) From My Credit Report. It Will Be Greatly Appreciated.

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 2022-04-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Unauthorized Inquiry on my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: VA

Complaint narrative:
SCA Collections of XXXXXXXX XXXX reported the account to the XXXX credit bureau, stating I owed {$180.00}. This amount was paid to the collections agency on XXXX, by check. I had received what appeared to be a duplicate collections notice with the same debt amount and account number. I enclosed a letter to the collections agency requesting that they verify the second letter represented an additional debt and was not a duplicate. I received no response from them until today, XX/XX/22, when the account was reported to the credit bureau, thereby damaging my credit. I believe this to be a violation of the Fair Debt Collection Practices Act, which states I have a right to written verification of any debts upon 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 explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have tried to get insurance on my home with Well Fargo Bank for two years and was unable to continue with the insurance companies that I had insurance with for 7 years, which was XXXX XXXX and XXXX XXXX They insured me for about two or three months and once the bank send them the funds out of my escrow account and send the rest back to me. I let the bank knew what happen and they told me they will charge me XXXX a year if they would have to insure it, so I looked and every one told me they could not insure me because the roof was over a certain age it is a risk. I just received a insurance policy from XXXX insurance for XXXX last week. Wells Fargo send me a bill last month for XXXX for my mortgage. My mortgage payment was XXXX until they changed it to XXXX then when I called to tell them I can't afford than and they changed it to XXXX which is illegal the way they did it for last year and this year for XXXX which left me with a balance for XXXX plus. I did not get any proof of insurance from them! seems like this is not truth in lending, this is fraud!

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 2022-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount Capital Group, Inc.
State: GA

Complaint narrative:
Paramount Capital Group and XXXX XXXX XXXX are continuing to run a Ponzi scheme against innocent consumers to obtain a commercial driving license, and this time they are lying to the Consumer Financial Protection Bureau. Under a previous complaint ( XXXX ) Paramount Capital Group replied stating they no longer service that fraudulently obtained loan ( XXXX ) through XXXX XXXX XXXX XXXX Like my complaint before I am alerting CFPB that these two entities are running a XXXX  scheme against innocent consumers. This fabricated reply to my complaint further solidifies my position it is a concerted effort by both parties. It is a classic move in a XXXX  scheme, and it must be eradicated to protect future consumers. For this reason, XXXX schemes are extremely unstable and inevitably collapse when there are no more new consumers or when CFPB gets involved. Paramount Capital Group is still using unprofessional gangster collection tactics on me, and they have placed this fraudulent loan on my credit report. They have violated the law and the law must be enforced through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
Returned equipment and paid bill to XXXX for their internet services. Waypoint is saying their final payment was never paid. I let waypoint know when the return was made to XXXX and the bill was paid. I told XXXX to let me know if there would be any other costs. I was told that everything was paid and all had to do was return in equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: DC

Complaint narrative:
Disputed the following unknown inquiries that I did not authorize that still havent been removed from my Transunion credit report : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - 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 2022-04-10 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: CA

Complaint narrative:
I have requested that Trans Union provide me with proof of the alleged payments being late with regards to XXXX XXXX  XXXX along with a detailed description of all procedures used in your process to determine complete accuracy of information being reported on my credit file. After waiting 60 days, I made a second request. It has not been 110 days and I have not received any documentation from Trans Union and the late payments are still being reported on 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