vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I sent a letter to National Credit Systems Inc about a collection placed on my credit for {$7700.00} that says I lived at XXXX at XXXX XXXX. According to my credit report, it shows the last payment was made XX/XX/XXXX. Not only is this information inaccurate, the apartment is in a completely different city from where I lived in XXXX. The letter I sent was a debt validation letter asking to be provided with any proof that we ever had any kind of agreement to which they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TX

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. 

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 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 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 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 2023-05-10 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: TX

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. 

XXXX : XXXXXXXX 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 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 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 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 2023-05-10 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: GA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, there has been unathorized repetitive inquiries on my report from Car and Financial Agencies.

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 2023-05-10 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: GA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, there has been unathorized repetitive inquiries on my report from Car and Financial Agencies.

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 2023-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: PA

Complaint narrative:
I had student loan from discover student loans from XXXX. After graduation in XXXX, I started paying my student loans promptly. The way payments are taken is not right. some months entire payment goes towards the interest. some months little portion goes towards the principal. When called and asked the customer care, they stated its the computer system tackles. they have no control. my concern was payments have to be approximately consistent every month. When is submiited my tax returns, my XXXX  stated I'm paying more interest in student loans than what my interest rate was. He suggested to contact the student loan company. I called them again, this time, they had no answer. They couldn't answer me properly. I refinanced my student loan in the mid of XXXX to another lender. I could see big difference how my payments were allocated every month. I didn't know how to raise this concern of being treated unfair towards the student loan payments. Please kindly approve this concern and raise this issue so many students would be saved from wrongly charged student loan payments by DISCOVER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX of 2023 I began an investigation to request validation of debts that were being reported on my credit. These letters were sent by certified mail, but I still have yet to receive any correspondence and my financial situation and credit continues to suffer. 

The amounts, dates opened and closed, are inaccurate and or I have never made any agreement with the listed companies or given permission to report the info on my credit. 

I would like these accounts to be deleted per violation of FCRA because I don't feel like my rights as a consumer are being respected or observed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT

Complaint narrative:
Carrington mortgage has been habitually tacking on " uncollected fees '' I bring my account current, and it states your next payment is due on the first of the month. The interface is designed in such a way not to show any outstanding amounts, but I continually get this 'uncollected fees ' with no provenance or explanation as to what these fees are. Speaking to frontline agents or managers has been useless. I registered a complaint with the escalations department, and the resulting letter was we don't see a problem here. I have never received an explanation of what an uncollected fee is. Carrington Mortgage needs their business practices audited, if this is happening to me it's probably happening to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: IN

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. ( XXXX XXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-05-10 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: Kashable LLC
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX applied to the XXXX XXXX XXXX located in XXXX Texas on XX/XX/17. XXXX XXXX was assisting me with the leasing agreement during the time. I was informed that my Financial aid could not cover the full year of XXXX. I was required to have a Co signer to cover the expenses when the financial dissolved. I was also giving a time frame to contact XXXX XXXX regarding a Co signer and seeking more funds for financial aid or the lease would be terminated. I sent over an email on XX/XX/2017, stating that I am requesting to cancel my lease because of financial aid. I received a email from XXXX XXXX on XX/XX/2017 Acknowledging my email, stating that she was sorry to hear about my financial aid balance. If I have future request about XXXX please contact back. Prior to the email I was sent a denial letter stating termination because the deadline was not met for a co signer. I was emailed a welcome letter stating a lease agreement with a forged signature stating XXXX XXXX XXXX. I did not agree to proceed with the application. I have doucments showing that I lived on campus for the remaining of the year. Prior to the emails from XXXX and I stating the application cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I submitted a complaint with CFPB regarding excessive calls from Midland Credit on XX/XX/2023 ( # XXXX ). Response quote below. I am still receiving phone calls. Specifically, today at XXXX from number XXXX. This is ridiculous and harassment and needs to stop. 


" Per your concerns, the above-referenced accounts have been marked Cease and Desist. While they remain due and owing, we will no longer contact you unless required by law. Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers rights, and apologize for the inconvenience caused to you. Thank you again for your assistance in this matter. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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 only should have XXXX open account still from student loans. they were deferred and then consolidated. On this report, they show XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TX

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. 

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 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 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 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 2023-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I previously had a fha mortgage with Wells Fargo and was unable to modify my loan in order to prevent losing the property. I owned the property from XXXX and it was sold in a short sale by the bank.

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 2023-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Today I received a phone call from from Truist XXXX XXXX department saying that they didnt receive the documents that I signed back on XX/XX/23. I spoke to the notary and also confirmed that the documents were sent back to the notary signing company. Additionally I have received mailings in the mail that show the modification agreement and XXXX mortgage had been recorded. The Rep on the phone refused to contact the department on the phone with me to give them the information that I had. the rep also tried to trap me for saying I refused to sign the documents again when XXXX reminder her that they had been signed and recorded. I advised the rep I would be willing to sign documents after she figured out where they were. I asked the rep to speak to her supervisor and she said it would be XXXX hours before that occurred. XXXX XXXX the rep appeared to not fully understand what was going on.

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 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo engaged in large amounts of overdraft fees.practices that were highly fraudulent.

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 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
A debt of {$4000.00} was opened on XX/XX/2023 on my credit report ( XXXX XXXX ) which I did not accrue. 

I called Sunrise Credit Services on XX/XX/2023 and they informed me the debt originated with " XXXXXXXX XXXX XXXX XXXX XXXX' and an address in NJ ( XXXX XXXX XXXX, XXXX NJ ) with which I have no association. 

I was informed that these people in NJ might have my SSN.

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 2023-05-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was advised by XXXX XXXX located at XXXX XXXX XXXX, XXXX, NY to apply for Care Credit to finance XXXX  braces due to not being covered under my medical insurance. I applied, was approved, and paid XXXX for the braces in XXXX of XXXX. I was told the braces would take 6 weeks to make, and I would be wearing the braces for three months after. I never received the braces and contacted the dental office who told me that they " forgot '' to order my braces. In XXXX of XXXX, I made an appointment to the office and was told my braces would be ready. I never received them. I opened a claim in XXXX with Synchrony Bank and the claim was closed in XX/XX/XXXX. I reopened the claim and also contacted the merchant again, and they sent me a letter stating their apologies and wanted to offer me {$1000.00} for my troubles. The second claim that was reopened in XXXX, has just been closed on XX/XX/XXXX without any explanation or communication from Synchrony Bank. I contacted Synchrony Bank on XX/XX/XXXX and they confirmed my mailing address and email, to which they never sent any communications to. I was also told by Synchrony Bank that the claim was closed due to no communication from me, which I have been calling and sending messages through their portal for updates and getting no response. I submitted documents as well from the merchant who accepted responsibility for their negligence and chose to order the XXXX XXXX  last month, after 8 months. I have already expressed that I have began the process all over again with a new dentist, and it has cost me an additional {$3000.00}.

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 2023-05-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/, I disputed credit report inaccuracies with several furnishers. Despite the FCRA, they didn't inform credit bureaus about my disputes. My updated credit reports still show the wrong information, impacting my credit score. 

On XX/XX/, I disputed federal student loan inaccuracies with DEPTEDXXXX, as I'm eligible for CARES Act relief. They wrongly reported late or missed payments, creating financial hardship and preventing me from buying a home.

I request CFPB 's help in investigating these furnishers and XXXX  for non-compliance with the FCRA and CARES Act, and to resolve these credit report issues.DEPTEDXXXX XXXX XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

DEPTEDXXXX  - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During XXXX Pandemic - Update to paid as agreed, never late. Remove the inaccurate late payment from my report. 

DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During XXXX  Pandemic - Update to paid as agree and remove late payments from payment history. 

XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy- Please Remove This From My Credit Report Immediately XXXX XXXX  - XXXX - Under 15 U.S.C 1681b Permissible Purposes Of Consumer Reports- Please delete this from my credit report immediately XXXX - XXXX - 15 U.S.C. Section 1681i Paragraph XXXX Treatment of Inaccurate or Unverifiable Information. - Please delete immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX  - XXXX - Under 15 US CODE 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( a ) Duty Of Furnishers To Provide Accurate Information - Delete this account immediately. 

XXXX XXXX - XXXX - Under 15 US CODE 1681s2 Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( A ) Duty Of Furnishers To Provide Accurate Information. Payment Status Is Inaccurate. - Delete this account immediately. 

Incorrect Name - XXXX XXXX  Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX  XXXX, XXXX, FL, XXXX

Company response to consumer: Closed with non-monetary relief