vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-02-16 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: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
On XX/XX/22 Bridgecrest reported that my vehicle was repossessed. I never missed a payment on the account, and it remained in good standing. However, Bridgecrest will not remove the repossession from my credit report. 

I have reached out to XXXX, XXXX, and XXXX on dates XX/XX/22, XX/XX/22, XX/XX/22 and neither company have been able to adjust my report appropriately. Since that time, i've been unable to be approved for funding due to the incorrect nature of this situation. I have reached out to Bridgecrest 3 times in regards to the incident on XX/XX/22, XX/XX/22 and XX/XX/22 and the associates I've spoken with have denied to remove the falsely reported items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I received a letter XX/XX/XXXX from Wells Fargo Home Mortgage stating that my account was impacted due to a system outage along with a check for {$70.00}. 
On XX/XX/XXXX I called Wells Fargo & spoke with XXXX, an escalation supervisor. I recall this was the time my mortgage was listed on my credit report twice and requested more details about the mishandling/modification of my mortgage account without my permission. 
XXXX explained that there was a system outage and my escrow interest was not appropriately calculated or added to my account for an unknown period of time. My escrow interest was accurately calculated, my escrow account amount was inaccurate and my mortgage payments were accurately calculated based off of this. 
I explained I received an escrow analysis statement on XX/XX/XXXX that showed a shortage of {$410.00} & my loan payment was subsequently inaccurately calculated because of this XX/XX/XXXX error. 
Today I understand that I am a victim of Wells Fargo predatory modification & mishandling of my mortgage since XX/XX/XXXX. 
For the past 4 years my monthly mortgage payment was miscalculated due to this error. 
I am requesting the appropriate measures be taken to properly calculate what the actual escrow shortage would've been in XXXX and what my actual mortgage amount should've been. I am requesting a detailed report with the modification calculation for every month starting in XXXX XXXX XXXX. I am requesting the full calculated credit be backdated including all miscalculated interest & fees. I would like this directly applied to my mortgage account for every month of miscalculated interest to my mortgage. I would also like to be compensated for the error of two mortgages listed on my credit report

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 2023-02-16 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Full Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, ny Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : Midland credit managem Account Number:XXXX  Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: CT

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXXXXXX 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 Dept Of ED , 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 an 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 non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
This account was placed on my report on XX/XX/2021 before I was given the opportunity to dispute it or pay it. The company did not send a letter explaining anything until AFTER it was placed on my report. My rights have been violated and my credit profile has suffered because of this. I have attached proof that this account was placed on my report BEFORE I was notified. Also, my request for a signature or proof that I was a tenant at the time the gas was allegedly used, was ignored. My lease wasn't renewed so as of XX/XX/2021, I was no longer a tenant and my services with XXXX XXXX XXXX were non existant. I also included the screen shot of the deletion and illegal reinsertion of this account. I wasn't notified by Diversified Adjustment ServiceXXXX about that either. All of these violations calls for an immediate deletion from all XXXX bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my concerns about my current lender overcharging me in escrows for taxes. I believe that their actions are unfair and in violation of industry standards. 

Recently, Our condo received a tax bill and we did not get individual bills yet as the lot was not subdivided yet for each unit and this will only be done on XX/XX/XXXX. However, I am only responsible for 10 % of the current taxes. The lender is claiming that my upcoming school tax bill on XX/XX/23 will be XXXX dollars. This is untrue as they are looking at last years bill which was XXXX bill for the whole condo instead of separate bills. Despite this, my lender is now overcharging me in escrows for taxes, resulting in financial strain for me. Additionally, with my next school tax bill being significantly less, my lender will be in violation of keeping more than XXXX of my annual obligations in escrow at any given time. 

Furthermore, I tried to just begin taking care of the taxes myself as the lender was doing a poor job with their analysis but my lender denied my request to waive escrows, and my payment is set to increase by more than {$2000.00} next month ( XX/XX/23 ), which is a burden that I can not afford and will ultimately result in me defaulting on my mortgage. I am extremely concerned about the lender 's actions and the negative impact it has on my financial stability. 

Finally, on XX/XX/23 we received 1 town tax bill for the whole condo which was paid by the condo sponsor attorney on XX/XX/23. The town verified that they rejected payment from my lender and my lender is still claiming that I have an escrow shortage for a payment which they never made!! 

Furthermore, They denied my escrow waiver request saying that my XXXX is above 80 % but my lender clearly has in their guidelines that they are ok waiving escrows even up to 95 % and I am below this figure. 

Please see attached documents supporting my claim. 

I believe that it is the responsibility of regulatory bodies like yours to ensure that lenders adhere to strict standards of accountability and transparency and that consumers are protected from such unfair practices. I respectfully request that you investigate this matter and take appropriate action to ensure that my lender complies with all regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a CLOSED visa credit account at XXXX XXXX XXXX  which is disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and TransUnion credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my XXXX XXXX XXXX XXXX  account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster. I insist on 100 % compliance with the FCRA and all Metro 2 protocols including the reporting on paper credit reports of all data reported in the Metro 2 submissions. I also insist on 100 % compliance with necessary internal controls to prevent Facially False Data from appearing on my credit reports. My credit report has daily entries where the data entry for Closed account is removed then at some time later replaced with a dispute code then deleted again with a code for consumer affected by a natural disaster thereby affectively changing a closed account to an Open account. Since the entire Metro 2 system is incapable of complying with the FCRA to prevent Facially False Data from reappearing ( such as a dead person coming back to life ) ( or a closed account being later reported as open ) then my account must be permanently deleted to avoid further willful violations of the FCRA.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have a CLOSED visa credit account at TD Bank NA which is disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my TD Bank NA visa account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster. I insist on 100 % compliance with the FCRA and all XXXX XXXX protocols including the reporting on paper credit reports of all data reported in the XXXX XXXX submissions. I also insist on 100 % compliance with necessary internal controls to prevent Facially False Data from appearing on my credit reports. My credit report has daily entries where the data entry for Closed account is removed then at some time later replaced with a dispute code then deleted again with a code for consumer affected by a natural disaster thereby affectively changing a closed account to an Open account. Since the entire XXXX XXXX system is incapable of complying with the FCRA to prevent Facially False Data from reappearing ( such as a dead person coming back to life ) ( or a closed account being later reported as open ) then my account must be permanently deleted to avoid further willful violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have emailed and called on multiple occasions to advise and ask why the account balance is not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have emailed and called on multiple occasions to advise and ask why the account balance is not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have emailed and called on multiple occasions to advise and ask why the account balance is not being reported.

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 2023-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit reporting actXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 credit card amount under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: TX

Complaint narrative:
I am a victim of identity theft and my information and my identity was used to make accounts and inquiries in my name Ive also made a police report and sent that to them also but they still have these accounts on my credit report which had effected my life can someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and my information and my identity was used to make accounts and inquiries in my name Ive also made a police report and sent that to them also but they still have these accounts on my credit report which had effected my life can someone please help me.

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 2023-02-16 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: GA

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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2023 XXXX XXXX XXXXXXXX couldn't approve my XXXX XXXX XXXX XXXX XXXX XXXX following false reasons from an incorrect report obtained from Experian

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 2023-02-16 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries 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