vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: TX

Complaint narrative:
I did not consent to, benefit from, nor authorize any of the following accounts : Self Financial Inc - Account # 's : XXXX, XXXX, XXXX, XXXX - {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with NAVY FEDERAL CREDIT UNION. The line of credit I have with NAVY FEDERAL CREDIT UNION is characterized as utilization on my consumer reports. NAVY FEDERAL CREDIT UNION IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : NAVY FEDERAL CREDIT UNION credit card, NAVY FEDERAL CREDIT UNION is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( ME ) and the person ( NAVY FEDERAL CREDIT UNION ) making the report is NOT INCLUDED on my consumer report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( NAVY FEDERAL CREDIT UNION ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! NAVY FEDERAL CREDIT UNION HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to NAVY FEDERAL CREDIT UNION expressing my concerns via USPS tracking # XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: GA

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They removed some reports from Equifax but they were not able to remove it from XXXX and XXXX. 
The company showing on my report are XXXX XXXX XXXX XXXX. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: NY

Complaint narrative:
I have checked my credit report an noticed this account that has no account name and say original creditor. The account number is XXXX which gives no information as to who this is. I also read the law and 15 usc 1681b permissible purpose and it says Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; I never gave this unknown comoany written permission to put this account onto my consumer report. They have violated these laws. 
Also 15 usc 1681e compliance ( 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. I don't know who this account belongs to nor do they have any identifying information for me to figure out who they are.

15 usc 1681 ( a ) congresstional findings- ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

This account needs to be deleted asap for the violations I have showed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: IA

Complaint narrative:
Myself and my partner rented an apartment for 1 year from XXXX XXXX in XXXX Nc. We relocated due to 3 family deaths to XXXX XXXX, Iowa and our move out report was an excellent report. Then 45 to 60 days after departure they tried to charge us nearly {$500.00} for carpet replacement for contractor grade carpet for a 12 x 12 bedroom. We were not told this at moveout otherwise we would have paid for the carpet and taken the remnant. We told the company numerous times that we disputed the amount and wanted to see the carpet personally as we have senior family still in the area. Then they sent the account to Pro Collect of whom we both disputed the debt in it entirety. We have disputed for 2 years and all they do is say " owed '' with name of original creditor. We have made XXXX  complaints on both companies, and due to family tragedy my partner had to file bankruptcy and they still tried to collect from him until his attorney threatened FDCPA violation lawsuit. 
Pro Collect XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX This was also reported to the Iowa Attorney General office attention XXXX XXXX on XX/XX/2021.

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 2022-01-14 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: MD

Complaint narrative:
The three credit reporting bureaus, Experian, XXXX, and XXXX have caused identity theft against me. 

Pursuant to 15 USC 1681B ( 2 ), a consumer reporting agency only can report with the written instruction of the consumer to whom it relates. 

According to consume law, I, as a consumer, am supposed to refer to the bureau definition of identity theft. And the CFPB states that " Identity theft '' is when someone uses my name, social security number, date of birth, or other identifying information without authority. 

I never gave any reporting agencies : Experian, XXXX, and XXXX authority to report anything on my report, but yet they had for years. They have committed identity theft.

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 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by CREDIT MANAGEMENT , LP, They are being completely unfair and I dont know how to get ahold on them but through this portal. 

This what happened : I sold my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX in XXXX of XXXX where I was listed as the account holder with XXXX XXXX XXXX After moving they generated a final bill which was never relayed to me. Although we moved to our new home of XXXX XXXX XXXX, XXXX XXXX CA and started XXXX transferred our XXXX service to that address., XXXX XXXX XXXX never transferred our old bill to our account for payment which resulted in us not knowing we had an open balance showing Final bill was not sent. 

Last year the person who lives at our old house sent me some old XXXX bills, this is how I found out that there was an outstanding bill. 
In XX/XX/XXXX he called XXXX to setup payment plan. He paid {$400.00} in XXXX, I was led to believe they would take out the monthly payment automatically in an installment plan but I later found they failed to do so. 
And the collection company didnt send me any notices eithe Account information. : Date Assigned XX/XX/XXXX Original Balance : {$930.00} Responsibility : Individual Solution : Deletion account from all credit bureaus and waive the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went on XXXX ( a website authorized by the federal government after taking a personal finance class for young adults ) - for my credit report. On XX/XX/2021, I signed up for TransUnion to get my free credit report- however, the company required my credit card information and mislead me into signing up for a XXXX dollar a month membership instead. 

I found out that I've been billed 5 times ( XXXX dollars in total ) I called Customer Service and got a partial refund for 4 months but not the first. I explained that I was misled into thinking I'd get a free credit report ( and that I needed credit card info ) but they wouldn't give it for the remaining XXXX dollars. 

Additionally when I cancelled my subscription online- they offered a XXXX subscriptions in huge letter and a small text to cancel the subscription. This is very misleading

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 monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( CAPITAL ONE XXXX Opened date : XX/XX/17 Balance {$350.00}, CAPITAL ONE BANK USA N ***** Opened date : XX/XX/17 Balance {$350.00} ) This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balanceindicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to 0 or eliminate the item certainly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: C/C Financial
State: TX

Complaint narrative:
I have sent debt validation letters to Preferred Lease twice as well as disputing the incorrectly reported information for a Lease for a mattress that was only {$900.00} that now says it is {$2500.00} plus what was already paid. Preferred Lease has not answered phone calls or emails, or replied to debt validation letters. I have received no contact and yet they continue to report the debt as valid to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: AL

Complaint narrative:
I am a victim of identity theft. It is sad that these companies can flat out violate the federal law like this. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I will be filing with the federal courts about the continuous back and forth with the credit reporting agencies and companies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify not one thing. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.

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 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: AZ

Complaint narrative:
On XX/XX/21 I received an escrow analysis showing escrow shortage because Selene Finance DOUBLE paid my property tax bill, and is now asking for a higher payment. They were refunded the double payment, and I am asking for a new accurate payment, and have waited several weeks, to no avail. Sitting on hold for an hour gets me nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Regarding PAYPAL : I was told any PayPal account can not be closed if there has been any transaction in the past 180 days. The type of transaction does not matter-the account can not be closed. I understand if a transaction is pending, but this is a totally cut and dry account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I did not consent to, benefit from nor authorize any of the following Accounts : Harvest Associates - {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with STATE EMPLOYEES CREDIT UNION. The line of credit I have with STATE EMPLOYEES CREDIT UNION is characterized as utilization on my consumer reports. STATE EMPLOYEES CREDIT UNION IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : STATE EMPLOYEES CREDIT UNION credit card, STATE EMPLOYEES CREDIT UNION is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( ME ) and the person ( STATE EMPLOYEES CREDIT UNION ) making the report is NOT INCLUDED on my consumer report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( STATE EMPLOYEES CREDIT UNION ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! STATE EMPLOYEES CREDIT UNION HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to STATE EMPLOYEES CREDIT UNION expressing my concerns via USPS tracking # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, I applied for forbearance in XX/XX/2020 due to the Corona Virus shutdown. My lender, Union Bank of California has been very understanding and easy to work with. 
I owe over {$50000.00} and have been approved for deferment. 
Moreover, I applied for the California Mortgage Relief Program and have submitted all necessary documents. The California Mortgage Relief Program will cover past-due mortgage payments in full through a grant of up to {$80000.00} per household. The money will go directly to a homeowners ' mortgage servicer. It's free to enroll and funds do not need to be repaid. My case qualifies for this grant and I have been in constant contact with the California Mortgage Relief Program. My lender, Union Bank of California has not signed up for the program. 
Please help me reach Union Bank 's higher management and ask them to join this program that was established to help mortgage holders, and lenders to take care of delinquent payments. 
Thank you very much. 
With best wishes, 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 2022-01-14 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( XXXX ***** Opened date : XX/XX/17 Balance {$0.00} ) This particular account is undoubtedly placed as a charged-off account. The balance was already zero yet the account was still reporting. Please furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum

Company response to consumer: Closed with explanation