vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate this account Account name : XXXX XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-07 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. 

I told the Experian, XXXX, and XXXX to reinvestigate this account Account name : XXXX XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
In XXXX, I was charged a {$15.00} fee because my balance went below {$5000.00} due to a bank error. The branch admitted the mistake and credited back the fee. They advised since it was their error the fee would not be charged again due to a low balance in XXXX. 

In XXXX, once again I was charged {$15.00} because my average collected balance was below {$5000.00}. However, the only activity was the charge of {$15.00} and the credit back of {$15.00}. I was assured that I would not be charged another incorrect maintenance fee. The branch was supposed to take care of this so it didn't happen again. I have had one issue after the next and am not happy. 

Once again, please credit back the {$15.00} since it was your error that caused it. Also, these errors are not going to impact the promotional terms and I will be collecting my promotional bonus of {$250.00} on XX/XX/XXXX. 

Please also make sure this does not happen again. I would suggest you put a fee waiver through XXXX, XXXX to make sure this doesn't keep happening. 

Since I was assured this would not happen again I am left with no choice but to also start filing complaints with government regulators to document this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: FL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial XXXX by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Was scammed by a fake realtor/landlord. I realized it soon after sending my deposit. Chase Bank did little to help me, even after identifying the funds in the account they were transferred to. I was told I would not be reimbursed, there was " nothing the bank could do '' and to " just be more careful next time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I was made aware of a medical debt in XX/XX/XXXX on my credit report via XXXX. Commonwealth Financial Systems is attempting to pursue a medical debt from the year XXXX. Currently in the State I reside the statute of limitations to collect a medical debt is 4 years. being that date provided by Commonwealth as the date of service is XXXX they have exceeded the ability to collect. I have not ever received a bill or communications from this company or a bill for the monies owed initially. It states the status was " updated '' XX/XX/XXXX. I placed a dispute via XXXX. It came back as a " verified debt ''. They are displaying a medical debt on my credit report in XXXX from XXXX which is well past the 4 year mark of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
We sent the alleged XXXX Clear Recon Corp ( CRC ) a request to investigate the documents in person and they have failed to reply. We sent them the attached Subpoena and they have not responded. Please help us obtain the documentation requested in order to inspect it properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC
State: KY

Complaint narrative:
We can not reach the company to pay the mortgage. We've had issues in the past with falling behind, but we always manage to get ahead again. We have fought this company about a handful of things. One being that my wife and I have tried getting my wife on the account since we signed the papers at the very beginning. We've tried mailing our 3rd party Auth forms to them, we've tried the over the phone method, and lastly we tried e-mailing them the forms. We've had 4 different people say they have received said forms, but here we are years later, and my wife is STILL NOT on the account to get financial information and make payments, etc. Secondly, the company advertises the " Call-back '' feature on their phone line, but when you opt-in, you never receive any call back from ANYONE at VC & I. We've had a foreclosure submitted by these guys, because they never return 6-months worth of phone calls to make the late and future payments. IF we need to get the emails, call logs, and other documents, we have all of them upon request. And lastly, the incompetent employees also are rude and very unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX, there is an unauthorized inquiry from American Express on my XXXX XXXX credit report. Let it be clear, I DID NOT APPLY for an American Express card! Nor did I receive any letter from American Express. XXXX XXXX and American Express illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FIFTH TIME I am addressing American Express EGRIOUS NEGLIGENCE! After the XX/XX/XXXX CFPB complaint, I received letters dated XX/XX/XXXX from American Express stating that my application may have been declined in error. We apologize for any inconvenience this may have caused. What does American Express not understand? I DID NOT APPLY FOR AN AMERICAN EXPRESS CARD! Any application American Express received was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hello and please note that this is my second complaint filed with Ally Home Loans. 

I have desperately been trying for months to have Ally follow the law ( SCRA and California Military Families Financial Relief Act ). While they have been in contact with me, I have not gotten any written confirmation that I am on the deferment program. Rather, as of yesterday XX/XX/2023 I was removed from the regular payment program. Today, they are showing I am late on my payments and have reversed my funds. 

This is incredibly stressful. I have an impound account. The means, that although my mortgage is deferred, my property taxes and insurance are not. I am now removed from the program, and no one at XXXX seems to know anything. 

Please help.

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 2023-07-07 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: NV

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of 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 2023-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of 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 non-monetary relief
Consumer complaint received 2023-07-07 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: NV

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
Consumer Adjustment Co fraud entry reported a debt on my credit bureaus stating I opened an account they bought from Personify XX/XX/2023 as to start the statue of limitations over. This has negatively impacted my mortgage loan that I was in the process of receiving. I disputed this debt with all 3 major credit bureaus as this is a violation of the FDCPA False, Deceptive or Misleading Representation as well as Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
Credit Acceptance XXXX XXXX XXXX is inaccurately reporting on my credit report 30 day late in XXXX and then a 60 day late in XXXX and a 30 day late again. When this car was stolen and it was paid out by the insurance in XXXX of 2021. I was then informed in XXXX of 2021 that there was an outstanding balance due to fees and charges that I needed to make payments on which I did. Now they are telling me that those were back payments and that they have reported them as late on my credit when the Cares Act I thought prohibited them from doing so but also they never notified me of this.. The loan is paid off and has been for quite some time and they never even notified me that I was late because of their junk fees and charges when I was told by my insurance company that they paid off the loan.

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 2023-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TX

Complaint narrative:
XXXX XXXX and Avante USA both have balances on my credit report for the amount of {$1400.00} XXXX XXXX  ACCOUNT was opened on XX/XX/XXXX. ( {$1400.00} ) Avante USA ACCOUNT was opneed on XX/XX/XXXX. ( {$1400.00} ) The original creditor for both 3rd party companies is XXXX XXXX XXXX XXXX. Which is a hospital located in XXXX, LA my sources tell me. I XXXX the company and 2 separate numbers came up and neither were the actual XXXX company. I have been living and working in the XXXX area since XXXX and all hospitals visits have been to the VA hospital in the XXXX region seeing that I am a veteran. These accounts were opened fraudulently! Please Assist me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Co LLC
State: IA

Complaint narrative:
Debt co llc has repeatedly called me since XXXX and left voicemails that are threatening and frightening. They say I need to contact them immediately as they have something filed against me. They first reported a debt from XXXX XXXX XXXX that I have never heard of nor could find online nor did they send anything in writing or notify me prior and it hurt my credit score. I filed a dispute with the credit bureaus in XXXX and they removed it from my reports. The calls stopped for awhile but have started again. They sent a letter in the mail in XXXX and I responded back in writing that I felt threatened by their repeated calls and aggressive voicemails and that they are trying to collect a debt I don't owe. The calls stopped for awhile and they have now started calling and leaving voicemails since XX/XX/XXXX or so. I usually ignore the calls but today XX/XX/23 I answered and let them know I felt threatened by their calls and I'd like them to stop. They immediately called me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I was contacted by Date : XX/XX/2023, XXXX XXXX  Central Time Applicant 's Name : XXXX XXXX Account # : XXXX Application # : XXXX Applicant 's Address : XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX Someone using my name and info was trying to apply for credit. BEFORE verifying these people, they did a credit check on my credit profile. They did NOT verify the person, they did NOT ask them to submit an ID of any sort. They are legally responsible for any financial issues or credit issues that arise from their failure to verify the person or persons prior to initiating a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
This loan was already paid and I am asking for proof that it is not. From my understanding it was paid off with a surety bond when the loan was defaulted. I am asking for the contract with my wet signature and if can not be provided I would like this loan to be removed from my consumer reports. I do not owe this company and they are negatively reporting on my consumer report which in turn is causing me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate this account Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation