vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: AL

Complaint narrative:
I learn by reviewing XXXX XXXX credit report that a company called XXXX has checked my credit 3 times in 3 years, this is not a normal procedure, a company does not check your credit every year, this is fraud. I never ask them to check my credit but one time and that was in XXXX not XXXX and XXXX. 

They checked my credit on XXXX XXXX and again on XXXX XXXX, I did not ask for credit in these XXXX years. Yes I have and account with them but that was taken out in XXXX. Sense that time they have checked my credit XXXX additional times for no reason and without prior permission from me. I am a victim of identity theft and I don't appreciate them ruining my credit for me. They are ruining my credit. 

This is not a normal procedure for companies to keep checking your credit every year when you have not applied for any credit from them. I have a block/freeze plus additional blocks on all three credit reports, Someone is not doing their job to block these companies from checking my credit. I was told to add additional blocks on my credit just for that purpose. 

This extra security has not stopped XXXX from checking my credit, some way they hacked into the credit reporting system and stole my credit report, this is fraud and they have to be stopped before someone is hurt by their negligence. I do not appreciate this by no means. How many other consumers has they ruined? They are out to ruin me for life if they don't stop now. This is identity theft and fraud. Stop the fraud of my credit. This is simply fraud. There is a statement on all credit reports that companies need to contact me before they check my credit, they disobeyed the law by not contacting me first. When there is a statement on someone's credit report they need to abide by that rule. 

Stop checking my credit report. I did not give them my permission to do this. This is all fraud. I did not ask them to check my credit in those two years, they cracked open the credit system to check my credit, A stolen credit report. I did not ask for credit from them in the pass two years but they still checked my credit without prior permission. I do not want XXXX or any other company checking my credit without my permission. I didn't give it. They had no right, No company does this.

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 2023-11-16 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX of XXXX, I submitted a letter to TransUnion regarding XXXX XXXX showing on my credit report that is not mine. TransUnion responded with a letter that the account was verified. On XXXX XXXX I submitted a letter directly to the source that TransUnion stated they verified the account with. The Public Record listed on my report shows XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Within my TransUnion report, the address of verification is listed- this is the address I submitted a letter to. I am attaching a copy of the response letter I received from the Court stating they DO NOT verify any information with any credit bureau. I then submitted this letter to TransUnion stating the court did not verify the information with TransUnion. TransUnion refused to remove it from my credit report. I submitted a letter to XXXX XXXX- a 3rd party verifier of information for Credit Bureaus stating there was a public record on my TransUnion credit report that is not mine. XXXX XXXX sent me a letter dated XXXX stating the XXXX XXXX is unverifiable and they have removed it from my credit report. I submitted this to TransUnion immediately and they again refused to delete the incorrect account from my credit report. On XXXX, I obtained a new TransUnion credit report and it still shows a Public Record on my account that is not mine. I again submitted another letter to TransUnion dated XXXX stating that this is incorrect and again requested that it be removed. I also sent a copy of my credit report, along with a new letter to the address of the Public Record that is showing on my TransUnion report. The Court sent a letter back to me dated XXXX stating that they did NOT verify any information with TransUnion. I am demanding that this Public Record be deleted from my TransUnion credit report immediately.

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 2023-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: SC

Complaint narrative:
Flagstar Bank responded to a previous complaint with another offer to modify my loan. However, XXXX years later and now I'm facing foreclosure when they originally lost paperwork and failed to respond to a Notice of Error/RESPA. 

Not once did I receive a letter documenting denial of Modification in the first year. They delayed the process just like they've previously done with other consumers and then stated that I lost my XXXX XXXX coverage. 

Now they're saying XXXX years later I need to pay $ XXXX. I don't have that.

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 2023-11-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: GA

Complaint narrative:
I found mold in the apartment I had mold test done the mold report came back higher than the company has ever seen for ( i have proof and mold reports ) when i called my insurance company they told me to move and sent me reienbusment for some of damaged items. The XXXX XXXX took case to court and the case was thrown out do to the apartment not having enough proof that I owe them anything do to me having to vacate becuase the condtions in the home was unbearable i have alot of proof from emails to photo video and i can retrive the court docments any time if its needed I DONT OWE THIS DEBIT I WILL NOT PAY ANYHTING I DONT OWE i have a large file of photos and videos i can send via email and i can also go get thr supporting court documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in getting this account established. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX CAPITAL XXXX XX/XX/XXXX Account # : XXXX accordance with the Fair Credit Reporting act 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

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full as agreed. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from Transunion, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full as agreed. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and Equifax respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Around XXXX on XX/XX/XXXX, I was drugged, assaulted & robbed by an unknown individual. This individual was able to steal my unlocked phone given my state and used it to access my bank information ( Wells Fargo ) & XXXX XXXX. Among other things such as signing up for new credit cards and attempting to make thousands of dollars in purchases via my XXXX credit card ( which were denied ), the thief used XXXX XXXX  via the Wells Fargo debit card stored in my XXXX XXXX to transfer {$1300.00} to himself across XXXX transactions. In addition to this, he transferred {$3400.00} to himself via the XXXX function in the Wells Fargo app. He also moved thousands of dollars from my savings account to my checking account in order to get more money out of the account. The morning after the incident I took all necessary steps ( reported this as fraud to Wells Fargo and opened claims, closed my existing accounts and opened new ones, locked down my credit report, cancelled my chase credit card, filed a police report, etc. ) On XX/XX/XXXX I was informed via mail that the XXXX transactions were being dubbed by Wells Fargo as done by me or someone authorized by me, which is not the case. The claims were denied and the case was closed. They have stated the XXXX XXXX transactions are yet to be completed but they expect them to be approved and paid out as finalized shortly.

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 2023-11-15 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Under ( FERPA ) My rights have been violated. My student loans have been reported for years without my consent. Under the ( FERPA ) Act, Schools are to tell the parents or eligible students about information that is going to be shared to allow the parent or eligible student a reasonable amount of time to request that the school not disclose information about them. The schools are to notify the parents or the eligible students annually of their rights under FERPA. I was not disclosed any of this information per 15 U.S.C 1681b ( 2 ) ( a ) Transactions was not supposed to be shared without my consent. I asked for a document showing my wet signature showing that i entered into this contract with them and they did not respond. I have attempted to resolve this problem for months now with no avail so the next step is to sue for fraud. XXXX did not notify me that they were going to share information with a 3rd party. They did not have my consent by verbal, written ( wet signature ), or e-signature. I want this information deleted off of my credit report immediately. If not the courts will be involved.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My complaint is with Experian. There is a collection with XXXX and I have successfully filed a dispute and they agreed to remove it with all XXXX credit reporting agencies. Only one has removed it despite requesting it and they refuse.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I currently have XXXX fraud accounts appearing on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15 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: PA

Complaint narrative:
This company has been communicating with me without my expressed consent. I had told them to stop and they continue which means that they do not care about violating the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium that midland credit has chosen to continue to communicate with. All this is for the following account XXXX Furthermore they have stated that they only need to honor direct communication which is complete disobedience to federal law and complete willful violation of my right to privacy. In my dispute letter I made it clear that I wanted no more contact from this company unless it was to respond to a cfpb complaint or to send me a copy of the entire purchase agreement ( which they have not ). I demand them to cease because if they do not I am prepare to litigate. Additionally they have not validated the debt as they can not because I did not endorse a contract with midland credit pursuant to UCC 3-203, all they did was just purchase a contract and attempting to collect on it which violates federal law. This is also why they do not want to send me the entire purchase agreement ( not just the bill of sale ) and other validating data pursuant to 12 CFR 1006.34.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
I had sent a notice to this company to cease all communications as described in the fair debt collection practices act ( FDCPA ) in regards to the following account XXXX  The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium that this company has chosen to continue to communicate with me. This violates the FDCPA and my right to privacy as a federally protected consumer. At this point I demand compensation for their willful and knowing violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
The company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2023-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I moved out of the house. I paid off the owed amount and told them to shut off the service. 
They continued to charge me and I emailed them via their billing notification that I was no longer there and do not want the account. 

Also when there was one missed payment they shut the service off so i was might only owe XXXX month 's worth of internet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I have been getting emails from Revvi credit card about a debit that I owed that was due to fraudulent activity and stolen identification And they said that I was responsible for the debit even though my correct address is not the address they have for the account they said is mine. And I request that this be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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