vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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: MI

Complaint narrative:
The three bureaus XXXX, XXXX, Experian have no legal right to place on my report for approx. 5.5 yrs.the fact that my XXXX Bankruptcy case had been successfully discharged in 2021 by the XXXX XXXX XXXX XXXXXXXX XXXX U.S. Federal Bankruptcy Court. This is a private matter thus a privacy violation and possible identity theft I did not consent to this report publication and it has harmed my quality of life i.e. hard to rebuild my credit, would be turned down for future loan request and damaging my credit score finally it will hamper my re-employment attempts, etc.Finally, the posting of this bankruptcy has/there reporting requirements do not comply with FCRA 611 ( 15 U.S.C.16811 ) and therefore the information of Bankruptcy must be deleted immediately in order to comply with the law.

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 2023-03-16 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: AL

Complaint narrative:
I recently disputed inquires on my credit report and you guys said they're authorized and they are NOT! 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX 
XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: LEXISNEXIS
State: FL

Complaint narrative:
Lexisnexis continues to violate the FCRA 623 ( a ) ( 1 ) ( A ). Lexis failed to conduct a proper investigation as they are required to do under the FCRA. I disputed a XXXX  XXXX Bankruptcy ( File Number : XXXX ) that they continue to report on my credit file that they maintain under my social security number, the ENCLOSED report highlights the ERRORS that they continue to report to XXXX, XXXX and XXXX. 1 ) Shows a Bankruptcy filing number of ( XXXX ) that number is listed INVALID by Pacer ( See enclosed report ) 2 ) Their report contains several missing items ( See enclosed report ) 3 ) Shows disposition as discharged and UNKNOWN. ( Refer to enclosed report, source Lexisnexis ) 4 ) Shows a contact number of : XXXX ( This number is invalid, See enclosed report ). Now is not the time to update this report, this file must be deleted per the FCRA or I will seek my legal remedy in Federal Court for your violations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 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:
The three bureaus XXXX, Equifax, XXXX have no legal right to place on my report for approx. 5.5 yrs.the fact that my XXXX Bankruptcy case had been successfully discharged in 2021 by the Eastern District Court Of MICHIGAN U.S. Federal Bankruptcy Court. This is a private matter thus a privacy violation and possible identity theft I did not consent to this report publication and it has harmed my quality of life i.e. hard to rebuild my credit, would be turned down for future loan request and damaging my credit score finally it will hamper my re-employment attempts, etc.Finally, the posting of this bankruptcy has/there reporting requirements do not comply with FCRA 611 ( 15 U.S.C.16811 ) and therefore the information of Bankruptcy must be deleted immediately in order to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: MI

Complaint narrative:
I am the consumer filing this report please do not close without completion. Here are a list of violations on my credit report : USC 1681 SEC 602 ( A ) states that you have no permissible purpose by law to contact third parties with my personal information. " I have a right to privacy ''! You offenses amount to aggravated identity theft pursuant to 18 USC 1028 ( A ). You have knowingly transferred, possessed, or used w/o lawful auth, a means identification of me, which is a felony punishable up to two years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692G. They were to notify me of this in writing five days prior to and I was not. As the original creditor only I can validate the debt and i did not validate this debt. Therefore the following accounts must be deleted from my report. Failure to respond with deletion will result in {$1000.00} per violation for ; Defamation of character, fdcpa, 15 USC1692G, 15 USC 1681N, and negligent enablement of identity 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 non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Per my initial CFPB COMPLAINT XXXX, Rushmore Loan Management Services continues to insist that my mortgage payment for XX/XX/XXXX was not received, even with a confirmation # XXXX & FURTHER proof from their own online portal! 
Ive attached all required documentation for review and REIMBURSEMENT!!! 

This company has completed taken advantage of the fact that I am XXXX, and has an absolute nightmare to deal with since my loan was sold over in XXXX by my previous mortgage company ( XXXX XXXX )!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL

Complaint narrative:
I was transported by ambulance in XXXX from XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX because I was XXXX XXXX. I never received a bill from XXXX XXXX XXXX XXXX XXXX ). If I had received a bill, I would have given XXXX my XXXX XXXX XXXX XXXX from XXXX  XXXX XXXX. 

In XXXX, I was advised that I had a collection on my credit report from XXXX. XXXX XXXX XXXX had purchased the XXXX debt from XXXX and listed it on my credit reported as opened on XX/XX/XXXX. Now this XXXX debt will be on my credit report until at XXXX, unless XXXX XXXX XXXX due what most collection agencies due, they keep changing the opening date of the collection to keep it alive on your credit report. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX These people are predator collection agency, will not stop writing and calling ever though I have asked them to stop. 

This is an old debt that should not be on my credit report as it is a medical bill Thanks for you assistance with this matter Sincerely XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-03-16 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: AZ

Complaint narrative:
I have filed a dispute with CASH APP over and over then I filed a complaint back in XX/XX/2022 with cfpb cash app responded with telling me that I needed to verify my account with CASH APP and the complaint was closed So I did what they asked and now nobody knows what I am talking about nor do they know how to help me this hasbeen going on for close to a year now and still I am out {$1000.00} out of my account that is from atm 2 withdrawl three transaction were made only 2 of them they got money from each {$500.00} for a total of {$1000.00} the XXXX COMPLAINT ID from XX/XX/2022 The first transaction was on XXXX XXXX XXXX  {$500.00} XXXX ) XXXX XXXX {$500.00} was declined XXXX ) XXXX XXXX {$500.00} the 1st and 3 rd transaction both atms The response CASH APP gave has been just one more way to not give me back my money I have called and called CASH APP and nobody knows anything about anything or what to do PLEASE HELP ME GET MY MONEY BACK THAT WAS TAKEN FROM MY ACCOUNT .If you need any more info from me PLEASE LET ME KNOW THANK YOU SO MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights . 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: ID

Complaint narrative:
XXXX XXXX XXXX stated they had no debt with me yet Plaza services and XXXX XXXX XXXX are trying to seek money owed after the company stated I did not owe them. I don't believe the amount they are seeking is accurate and I've not received anything in the mail and the notice is sent to my email. 
In 2021 I filed complaint against oak title company, the response from them was there was no debt to them. I was XXXX  and XXXX  during this time and could not receive mail or supply any more information due to homelessness, XXXX XXXX XXXX and my wife XXXX XXXX XXXX didn't receive anything. She also left the state of Idaho and has tried to bankrupt me on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX got a copy of my credit report without my permission ON XX/XX/XXXX XXXX XXXX XXXX XXXX  got a copy of my credit report without my permission Please investigate and send me a letter of what investigation you used to verify these inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: MD

Complaint narrative:
I entered into a loan with OPPloans without completely understanding the terms of the loan. I'm being charged 130 % on a {$3000.00} loan. This exceeds both the usury limits of Hawaii, where the loan originated as well as Maryland where I currently reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX. 
Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or the list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Last year ( XXXX ), my escrow account paid a total tax is {$8800.00} for my new house. However, the loan company ( Lakeview Loan Servicing , LLC ) forecasted the tax number would be {$14000.00} for this year ( XXXX ). They claimed the XXXX tax is not based on a full assessment which doesn't make sense to me.

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 2023-03-16 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: PA

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 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Collectors, Incorporated
State: WA

Complaint narrative:
I have never been to this establishment, when I looked them up, XXXX XXXX, I found that under their reviews that they have been doing this to countless people - I do not know them and do not wish to be scammed. If it is somehow my debt to pay I would like to pay it once and for all, other people under the reviews as I read had tried to go through the company to pay and had been scammed into paying twice and still received debt collection papers later as if they had not payed. Please help me to pay it once and for all if it somehow a true debt. I am a young person and know little about credit but I would like to avoid further messing up credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: PA

Complaint narrative:
I notified the 3 credit bureaus of a list of inquiries into my credit report that were not authorized and not done by me It has been over 30 days and theres still been no resolve and items not removed from my credit file. I have attached a photo of the previous complaints with CFPB that has still not been resolved.

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 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
At the end of XX/XX/XXXX, I received a letter for a credit card promotion from Regions Bank. The promotion stated that if I spent a certain amount ( {$1000.00} or {$2000.00} ) in 3 months, I would receive a {$300.00} bonus. On XX/XX/XXXX, I called the phone number on the letter and read the promotion code to the representative. He confirmed the bonus and I signed up for the credit card. I tried to sign into online banking, but had multiple issues. I called for assistance, but the representatives could not figure out how to fix the error code. When they tried to send me to another department for help, I was disconnected. This same process happened several times with the same result. I was finally able to get ahold of someone who helped today and I was able to gain online access. 
Once I was online, I messaged the helpline to confirm the amount I needed to spend to be eligible for the bonus. They stated there was no bonus promotion showing, only an offer for a balance transfer. When I called again, the representative put me on hold 4 time for 5 minutes each time, only to tell me she was unable to gain access for such information. 
I have wasted a considerable amount of time for an answer that should be found on the original call, assuming the call was recorded or notes taken. I am a full-time nurse with a special needs child, so i do not have additional time to fight this. 
I feel I have been taken advantage of with a false promotion in order to get me to sign up for a credit card.

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 2023-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing this complaint to Capital One. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
XXXX account with account number finish in XXXX, amount owed XXXX, I received a letter from collections Credit Corp Solutions INC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: TX

Complaint narrative:
I do not recognize the inquiries listed below on my Equifax Consumer Report. I have tried to properly dispute the inquiries with Equifax over the phone, and by certified mail. I believe these inquiries are due to Identity theft. I have filed a police report with identitytheft.gov, and attached it to this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax is in violation of the following : 15 USC 1681b- Permissible Purpose of consumer reports- Equifax did not have permissible purpose from myself the consumer to report the inquiries listed above.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING ( 1 ) ( 2 ) ( 3 ) ( 4 ) requires Consumer Reporting Agencies to practice fair and accurate procedures when assembling a consumers credit report.

Aggravated Identity Theft per 18USC 1028 XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation