vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 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 am a victim of identity theft. 
I previously sent all my documents to XXXX, XXXX, and Equifax, regarding the theft of my identity. They blocked the fraudulent information from my credit reports for one month, and then re-inserted it back into my credit reports without explanation which is in violation of the FCRA. 

I am requesting that the fraudulent accounts and inquiries be blocked permanently from my credit report. 

Incorrect Address still appearing on my credit reports : My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please, remove the inaccurate addresses appearing on my credit report. 

Accounts as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of identity theft : EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX via EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX I request that you block the fraudulent accounts from my credit reports and send me an updated and accurate credit report. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Loan restructured under XXXX in XXXX with XXXX XXXX  XXXX. 

In XXXX of XXXX, I was informed by XXXX XXXX XXXX that my loan was being transferred to Select Portfolio Services as of XXXX of XXXX. XXXX  XXXX XXXX advised me that the terms and restructuring of my loan would not change only the servicer as they will continue to be the loan originators. 

In XXXX of XXXX, I began making my monthly payments in the amount of {$1600.00} directly to Select Portfolio. 

After five months of consecutive payments, I received a notice in XXXX of XXXX that Select Portfolio was adding PMI to my mortgage payment. 

On XX/XX/XXXX, I emailed Select Portfolio at XXXX to advise them on my legal rights and let them know my loan does NOT require PMI in the State of Georgia or based on the loans balance. 

Select Portfolio to my request for the removal of the PMI with the threat and removal of my escrow account. 

On XX/XX/XXXX, I emailed Select Portfolio and requested that my loan be returned to the status at which it was acquired from XXXX XXXX XXXX. 

Select Portfolio moved forward with their threat by removing my escrow accounts, during the months of XXXX and XXXX and setting my new monthly payments to {$1900.00} in XX/XX/XXXX. This amount included a mortgage shortfall account being added to the account. 

During the months of XXXX and XXXX of XXXX, I paid the full amount of my mortgage to include escrow, with the payments each totaling $ XXXXWhen making the payments online, I designated the specific required dollar amount to be deposited into the escrow account. 

Select Portfolio did NOT deposit those funds for the Months of XXXX or XXXX of XXXX to the escrow account. This was done to give my account the appearance of having a escrow shortfall and to increase my monthly payments to {$1900.00} thus forcing me to possible refinance or foreclosure. 

In XX/XX/XXXX, I receive a statement from Select Portfolio with no reporting of the escrow payments made in XXXX and XXXX of XXXX. 

On XX/XX/XXXX, I reached out to XXXX  XXXX XXXX the loan originator to report Select Portfolio for misallocation of funds and fraud. XXXX XXXX  XXXX XXXX quickly responded my mailing out a copy of my note and a reporting of all transactions from XXXX. 

Select Portfolio responded by placing negative/false information on my XXXX credit report. 

My request is to have my monthly note returned to the amount of {$1600.00}, which is the acquisition amount from XXXX of XXXX. 

My request is to have my account audited and reviewed for any and all misallocation of funds, fraud and abuse by Select Portfolio Recovery.

My request is to have Select Portfolio Recovery brought up on charges of Tax Fraud and Regulatory abuse charges for the removal of my escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 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 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 2023-04-16 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: VA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 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 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 2023-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX 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 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected MY RIGHTS.

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 2023-04-15 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: CA

Complaint narrative:
Failure to remove 2 negative closed reporting accounts on my credit report that is hendering my ability to get credit..I opened a dispute as a result of identity theft and experian is failing to remove the accounts

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 2023-04-15 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: DE

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 : Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXXXXXX XXXX XXXX : Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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 Account Has Violated My Rights. ( XXXX ) XXXX XXXX {$1000.00} acount # XXXX. ( XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  acct # XXXX {$910.00}. ( XXXX ) XXXX XXXX  acct # XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Payfare International Inc.
State: AZ

Complaint narrative:
On Sunday, XX/XX/2023 I had completed a XXXX  and earned {$9.00}. This amount was to be deposited immediately, however it was not deposited. I contacted the company at XXXX and was transferred to a man in a different department when the first representative saw my earnings and stated they were NOT deposited into my account. The second representative claimed that it was posted, however when I told him what the previous rep said and that I had screenshots, he said he would look into it further and put me on hold. After 54 minutes, he never came back onto the call and forwarded me to the after call survey. The screenshots below show the failure to properly credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: 2288984 Ontario Inc.
State: ID

Complaint narrative:
I have disputed this XXXX account that's on all 3  credit Bureau 's that says I owe XXXX, it came back that it is my account by the consumer. So I called the collection agency and I have the call recorded which I told them I was a recording so I wasn't doing anything wrong. First I was hung up on 2 times because the people couldn't find my account through my name or social security number. I was so upset that my fianc called back and spoke with them. To which again they said we can't find her account there is nothing listed for her. He and I both said then you need to take this off her credit reports, you can even find the account. to which their response was to hang up a third time. I called XXXX and was on the phone for 3 hours trying to get this removed off my credit report and they said dispute it again, which I did and the company cam back saying the account was valid. I asked XXXX where was this opened at? They said in XXXX, I have never lived and XXXX and followed up with how is it that I opened an account with XXXX which since has been removed off my report in XXXX XXXX  then 2 months later open another account with XXXX in XXXXXXXX. It shows all over my credit bureaus that I'm a victim of identity theft. I just found out yesterday that this person filed tax returns in my name which I will be filing a police report. But this company needs to remove this off. my credit bureaus. Ive done everything I can and I'm getting no where. It's XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: Credit Fresh Holdings Inc
State: ID

Complaint narrative:
I have disputed this XXXX account that's on all XXXX credit Bureau 's that says I owe XXXX, it came back that it is my account by the consumer. So I called the collection agency and I have the call recorded which I told them I was a recording so I wasn't doing anything wrong. First I was hung up on 2 times because the people couldn't find my account through my name or social security number. I was so upset that my XXXX called back and spoke with them. To which again they said we can't find her account there is nothing listed for her. He and I both said then you need to take this off her credit reports, you can even find the account. to which their response was to hang up a third time. I called XXXX and was on the phone for XXXX hours trying to get this removed off my credit report and they said dispute it again, which I did and the company cam back saying the account was valid. I asked XXXX where was this opened at? They said in XXXX I have never lived and XXXX and followed up with how is it that I opened an account with XXXX which since has been removed off my report in XXXX Nevada then 2 months later open another account with XXXX XXXX XXXX. It shows all over my credit bureaus that I'm a victim of identity theft. I just found out yesterday that this person filed tax returns in my name which I will be filing a police report. But this company needs to remove this off. my credit bureaus. Ive done everything I can and I'm getting no where. It's source receivables. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: NJ

Complaint narrative:
Consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX XXXX, XXXX XXXX  XXXX acct # XXXX XXXX reporting incorrect information 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights. 

Please remove all collections on my report : XXXX XXXX XXXX acct # XXXX, XXXX XXXX  : acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX XXXX, XXXX XXXX XXXX acct # XXXX XXXX, XXXX  XXXX XXXX : Acct # XXXX XXXX, XXXX  XXXX XXXX Acct # XXXX XXXX, XXXX  XXXX XXXX XXXX Acct # XXXX XXXX, Is all fraudlent accts.

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 2023-04-15 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX I am utilizing for monitoring suspicious activity on my name going on since XXXX XXXX XXXX Comenity Capital BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I was last informed on XX/XX/2023 by phone to dispute these items with creditors to resolve and update whats on my credit report. There are two fraudulent acts taking place on my account. Someone tried to open up an account for the purpose of sporting goods. Where my name wasnt used but, my social security and date of birth was but, when life lock reached out to the company who, would have provided the credit. The Comenity Capital BankXXXX XXXX XXXX XXXX was unable to review the account information due to the name not being the same but, it was reported to the credit bureaus behind my social security number. My social security number seems to be on the XXXX market and someone is impersonating me with my email address beginning in my name XXXX. The sole purpose for the life lock with XXXX is so, when anything is going on under my identity there company is able to see it sooner and work with me timely to avoid this situation because its affecting me from receiving housing, employment and its a problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CarMax, Inc.
State: GA

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 rights to privacy. 15USC 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 credit accounts under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery repeatedly called me since they bought this debt. Threatened to sue me regularly. Unwillingly provide contract agreement to verify this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is pertaining to two fraudulently opened accounts that I have tried to fix several times dealing with Experian. The accounts are as follows, XXXX XXXX XXXX XXXX XXXX XXXX. I have filed and sent a proper Police report, a Federal Trade Commission Affidavit, a sworn affidavit that was notarized in front of a Notary, a copy of the police investigators business card with all contact information and case number pertaining to the police report filed, also a copy of my Drivers license, copy of my social security card with number, and my Veterans Identification. All these documents will be included within this complaint. I served in the XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX and was XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and this is how I am treated. Some internet thief stole my credit information and open several accounts in my name and Im the one being blamed for it. I didnt benefit from any of these fraudulent accounts, nor did I have any knowledge of the accounts opening whatsoever. I have contacted Experian as well as the companies in question several times trying to resolve this problem but to no avail. It doesnt make any sense at all that Im still dealing with this even after all the reports I have filed and gathered, copied and sent to all parties responsible. I have even found out that my information was leaked because of a Data Breach that Im involved in with thousands of others. The incompetent responsible parties should be chasing the Internet thieves but instead they double down on the honest people and try their best to make them pay for something they had no part in.

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