vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.

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 2022-11-10 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In 2021 during the Covid pandemic student loan payments were not required to be paid and the credit reported agencies reported my loans as late payments. I disputed this and provided documentation however, nothing came of it. My student loans are regular XXXX federal student loans that are not in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I submitted a prior complaint that was closed by the CFPB because Paragon Revenue Group agreed to remove this negative item from my credit reports and that I did not owe them any money. Today I received a text message from them asking me to call them with a XXXX digit Pin #. I attached a screenshot. 

I do not owe Paragon Revenue any money and they need to stop contacting me. The CFPB needs to investigate this debt buyer! I want them to stop contacting me and remove my information from their database. 

Here is the case # from XX/XX/2022 with CFPB : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on this account because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed account is listed below. 
XXXX Account # : XXXX XXXX : {$2600.00} Date Opened : XX/XX/2012

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I made a complaint about an item on my credit report being reported inaccurately. 

Oriiginal complaint : This should be reported by law until XX/XX/XXXX. Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXX. 

Company Response : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXXXXXX XXXX  XXXX. 


The item was placed back on my credit report as acurate and updated. The company has still not listed my account as opened as of XX/XX/XXXX which they say is accurate and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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:
I made a complaint about an item on my credit report being reported inaccurately. 

Oriiginal complaint : This should be reported by law until XX/XX/XXXX. Account info Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXX. 

Company Response : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXXXXXX XXXX  XXXX. 


The item was placed back on my credit report as acurate and updated. The company has still not listed my account as opened as of XX/XX/XXXX which they say is accurate and updated.

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX  XXXX the date last active for each bureau is inaccurate. 

XXXX XXXX the payment history and the date last active is inaccurate. 

XXXX XXXX XXXX the date last active for each bureau 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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX  XXXX the payment history and the date last active is inaccurate. 

XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Carvana Group, LLC
State: GA

Complaint narrative:
Attention : XXXX XXXX XXXX On XX/XX/XXXX XXXX and it's registrant agent received certified letters of the following : I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

On Monday, XX/XX/XXXX, I was on your website researching a car to purchase using my credit. My intentions were to trade in my vehicle with no cash as part of the credit sale or a purchase money transaction nor no down payment and stay in strict compliance with TILA and Regulation Z. I found a XXXX Red XXXX XXXX that I wanted to purchase and was approved for ; however my opportunity to purchase was denied due to a down-payment. 
From my knowledge and extensive research, when a consumer trades in his or her vehicle and there is an existing lien on the vehicle to be traded-in exceeds the value of the vehicle, the dealership must disclose a zero ( {$0.00} ) on the downpayment line rather than the negative. According to the Truth in Lending Act ( TILA ), a downpayment is used only to reduce the cash price. On the documents that I have and will provide with the letter your current balance is higher than your cars value. This is known as Negative Equity. With your denial because of negative equity and your representative stating to me that CARVANA could not apply my existing lien because the loan would be upside down, she and CARVANA subjected CARVANA to false and deceptive business practices. 

I also would like to point out that the information I have stated I had been approved for financing. Considering that I did not benefit from this transaction, there were unauthorized use of my credit card. CARVANA benefited from the transaction from the use of my credit card ; however, the consumer received no benefit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. CARVAVA is directly violation of 15 USC 1642, 15 USC 1681m and 12 C.F.R. 1002 because I made an application in good faith, but was not issued any credit. 
The representative could have easily taken the down-payment she was requesting and included in the finance charge. The finance charge is the total of all charges in connection with my consumer credit transaction and charges can be included in the finance charge for my benefit. 
I am requesting in good faith that we resolve this matter by continuing the trade that I am requesting. 

Respectfully, Consumer Name Without Recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Exeter Finance, LLC.
State: WI

Complaint narrative:
In Accordance with the fair Credit Reporting Act this creditor has violated my rights under 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. Under 15 USCs 1666B a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX I have a mortgage with Chase on a single family home purchased in XX/XX/XXXX for {$310000.00}. I put in a 5 % down payment, so I financed 95 % XXXX with Chase. 
I want to remove the PMI from my mortgage as I have certainly reached the point where my mortgage is below 80 % XXXX because I have paid down the mortgage and home values in my area have increased significantly over the time. Chase refuses to help and refuses to do an appraisal of the property to analyze the situation. 

I talked to Chase in XX/XX/XXXX about removing the PMI. They mailed me a form to fill out for the request. I filled out the form, I sent them {$100.00} for the appraisal as requested, I listed about {$8000.00} in completed improvements, as they asked. They cashed the check, so I thought the process was started. A few days ago I received a check from Chase for {$100.00}. I had a chance to call them today. I was told the PMI will not be removed and the process was cancelled because the home improvements that I listed are not enough. I told them that of course the home improvements are not enough. It's not about the home improvements mainly, it's about the home values going up which should put me well below 80 % XXXX, so no more PMI should be required. I was told the only thing I could do is fill out the same form again and send them the {$100.00} again. What for, I asked? We already did that and got nowhere. They have no other recourse. What!? 

My mortgage balance is about {$290000.00}. The house value estimated by all these real estate websites is showing around {$400000.00} to {$450000.00}. Again, property values around me have been increasing. If my house appraises for {$370000.00}, I'm at 78 % XXXX. 
I would like assistance with Chase so I can get the house appraised so the PMI can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on this account because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed account is listed below. 
XXXX Account # : XXXX Balance : {$2600.00} Date Opened : XX/XX/2012

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 2022-11-10 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: PA

Complaint narrative:
XXXX : most recent certified letter of several is XX/XX/2022, and XX/XX/2022. 
They failed repeatedly to respond within 30 days. This means by law what I contest must be removed. 

All my life I have lived at XXXX XXXX XXXX, XXXX, PA XXXX All my life my phone number has been XXXX I've never worked at XXXX XXXX. Look it up. It's not a real company. 
NONE OF THE DEBT MATCHES XXXX, PA or MY PHONE NUMBER or MY EMAIL. 
Yet they repeatedly fail to update my information and insist I am someone in California delinquent on debt. I HAVE NEVER LIVED IN CALIFORNIA. I am the victim of identity theft. 

The follow 7 FALSE ACCOUNTS/ debt are not mine XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX  Yet they don't respond in 30 days, which is illegal, tell me they " verified '' the information, which is also not true, as I opted out every known data base they use. Or they pretend they can't understand what I wrote them. WHAT PART OF THIS IS NOT MY DEBT, I AM NOT THAT PERSON IN CALIFORNIA, AND BY LAW YOU MUST RESPOND IN 30 DAYS ARE THEY NOT UNDERSTANDING?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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:
XXXX : most recent certified letter of several is XX/XX/2022, and XX/XX/2022. 
They failed repeatedly to respond within 30 days. This means by law what I contest must be removed. 

All my life I have lived at XXXX XXXX XXXX, XXXX, PA XXXX All my life my phone number has been XXXX I've never worked at XXXX XXXX. Look it up. It's not a real company. 
NONE OF THE DEBT MATCHES XXXX, PA or MY PHONE NUMBER or MY EMAIL. 
Yet they repeatedly fail to update my information and insist I am someone in California delinquent on debt. I HAVE NEVER LIVED IN CALIFORNIA. I am the victim of identity theft. 

The follow 7 FALSE ACCOUNTS/ debt are not mine XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX  Yet they don't respond in 30 days, which is illegal, tell me they " verified '' the information, which is also not true, as I opted out every known data base they use. Or they pretend they can't understand what I wrote them. WHAT PART OF THIS IS NOT MY DEBT, I AM NOT THAT PERSON IN CALIFORNIA, AND BY LAW YOU MUST RESPOND IN 30 DAYS ARE THEY NOT UNDERSTANDING?

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 2022-11-10 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: NJ

Complaint narrative:
On XX/XX/2022, I pulled my credit report that you maintain on my file; you are reporting a social security number, XXXX. This is not my social security number Please remove this information from my account you are causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Plaintiffs claim is that Nationstar Mortgage LLC are attempting to collect a debt on a fraudulent contract entered into by the Plaintiffs and XXXX Bank XXXX. on XX/XX/XXXX. This mortgage/promissory note has been disputed and the Nationstar Mortgage XXXX and XXXX Bank XXXX N.A. have refused to answer the Plaintiffs request for validation of debt, proof of Defendants being the holder of the alleged mortgage note and proof that the original contract with XXXX was not fraudulent as alleged by the Plaintiffs. Attached is the Affidavit of Truth Affecting Realty which was sent to the Defendants on XX/XX/XXXX and filed with the County Register of Deeds on XX/XX/XXXX. 

The Plaintiffs sent a second Notice of Demand for Payment on XX/XX/XXXX for the illegally collected debt payments of {$140000.00} which the Defendants have not paid. 

The Plaintiffs sent a NOTICE OF DEFAULT CERTIFIED JUDGEMENT OF UN-REBUTTED AFFIDAVIT on XX/XX/XXXX to the Defendant, Nationstar Mortgage XXXX. 

Nationstar Mortgage XXXX are alleging that the Plaintiffs owe {$190000.00} and are putting the property for public sale on XX/XX/XXXX. The Plaintiffs not only dispute this claim by the Defendants but request that the sale be halted and the Defendants provide the court with proof that the original contract/mortgage/promissory note is in fact lawful. 
The Plaintiffs demand that because the Nationstar Mortgage LLC and XXXX Bank N.A. have not proven that a debt is owed and have defaulted on the Certified Judgment of Un-Rebutted Affidavit, the Defendants must send a Certificate of Satisfaction, a Final Mortgage Statement that is zeroed out and an official letter from Nationstar Mortgage LLC declaring that the mortgage is paid off and the return of the cancelled promissory note to the court and to the Plaintiffs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).

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 2022-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I invested in a crypto investment currency exchange, but it happened to be fraudulent. 

All of my transfers came from my XXXX wallet. It was over XXXX XXXX. It happened between XXXX XXXX - XXXX XXXX. 

I have traced all of my money to wallets maintained by XXXX, Coinbase.com, and XXXX I have sent the evidence, report, and letter of fraud to all entities. They would like my local law enforcement to work with them to do a criminal investigation, but my local law enforcement does not investigate financial crimes. Their resources go towards public safety. 

The entities are willing to work with government enforcement agencies regarding my case. 

Can you help me?? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: VA

Complaint narrative:
I am currently a victim of the XX/XX/2017 Equifax data breach due to cyber criminals. Because of these unlawful action I am now in jeopardy of identity theft. Im learning how to and taking action to protect my credit data adding fraud alert to credit report. Seeking support to help with this stressful offense to my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: MD

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC1681. And they violated my rights numerous times. I demand the accounts listed below be removed because according to ( 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish accounts. 

Account Name : XXXX XXXXXXXX Last XXXX account number : XXXX Account Name : XXXX  XXXX Last XXXX account number : XXXX

Company response to consumer: Closed with explanation