vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: CA

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to EQUIFAX. In my credit report from XX/XX/2024, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: SC

Complaint narrative:
During the pandemic I was laid off. I contacted XXXX XXXX in which I have auto contract with and requested accommodation due to the pandemic. I explained that I was laid off and I was assured that my account would not be placed in any default status. I recently pulled a copy of my credit report in XXXX and noticed a series of late payment posted during the pandemic dates. I contacted XXXX XXXX and the CRA 's in XXXX to get this rectified and was assured the late payments occurred due to an automated billing error and would be removed. Furnishing the late payments to my account is in violation of 15 USC 1681 S-2 ( F ), as those periods were covered during the CARES Act. Furnishing those payments to my account as it stated as a billing error, further violates 15 USC 1666B. 
Posting those inaccurate late payments to my account are affecting my payment history and ability to obtain credit.

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 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I'm writing to inform you all that these accounts are fraudulent account and is reporting ony consumer reports as charge offs. Please help in removing these accounts please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
During the pandemic I was laid off. I contacted XXXX XXXX in which I have auto contract with and requested accommodation due to the pandemic. I explained that I was laid off and I was assured that my account would not be placed in any default status. I recently pulled a copy of my credit report in XXXX and noticed a series of late payment posted during the pandemic dates. I contacted XXXX XXXX and the CRA 's in XXXX to get this rectified and was assured the late payments occurred due to an automated billing error and would be removed. Furnishing the late payments to my account is in violation of 15 USC 1681 S-2 ( F ), as those periods were covered during the CARES Act. Furnishing those payments to my account as it stated as a billing error, further violates 15 USC 1666B. 
Posting those inaccurate late payments to my account are affecting my payment history and ability to obtain credit.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
During the pandemic I was laid off. I contacted XXXX XXXX in which I have auto contract with and requested accommodation due to the pandemic. I explained that I was laid off and I was assured that my account would not be placed in any default status. I recently pulled a copy of my credit report in XXXX and noticed a series of late payment posted during the pandemic dates. I contacted XXXX XXXX and the CRA 's in XXXX to get this rectified and was assured the late payments occurred due to an automated billing error and would be removed. Furnishing the late payments to my account is in violation of 15 USC 1681 S-2 ( F ), as those periods were covered during the CARES Act. Furnishing those payments to my account as it stated as a billing error, further violates 15 USC 1666B. 
Posting those inaccurate late payments to my account are affecting my payment history and ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
We began our account with Capital One on XX/XX/XXXX. 
We have made on-time payments every month. sometimes additional payments. We even paid off the card this past XXXX  unfortunately we had some property damage which made XXXX max out the card. In XXXX our minimum payment was increased from {$35.00} to {$97.00}. We struggled to make each payment faithfully. On XX/XX/XXXX I scheduled our payment as I have always done but it was rejected my XXXX  card XXXX XXXX XXXX XXXX so I used the XXXX  account ( routing # and account # ) process. On XX/XX/XXXX I was notified my payment had been returned ( accusing my bank of being at fault ). Then Capital One penalized me with a PAST DUE fee of {$28.00}. I made a payment of {$95.00} on XX/XX/XXXX then on XX/XX/XXXX hit me with interest charges of {$69.00}. We made another payment of {$75.00} on XX/XX/XXXX with an additional payment of {$500.00} on XX/XX/XXXX. On XX/XX/XXXX logged into the account to see if Capital One accepted XXXX  payment that is when we noticed our account had been restricted. So we called XXXX  service and the automated service stated the account was closed, must contact XXXX  Service after XXXX XXXX XXXX on Monday XXXX XX/XX/XXXX ( the duration of the call was over XXXX minutes ). We were told we breached their contact with another account. We asked for clarification. They told XXXX XXXX times we were being recorded on a recorded line and I told them I was recording them as well, they told me it was against the law to record them. We were never notified of their decision to close XXXX  account. They informed us they closed the account due to the returned check, ( which I stated they penalized us with a charge of {$28.00}. Also, I noticed they took XXXX  rewards away as another penalty. If every creditor would close accounts due to XXXX payment discrepancy I would think they would never make money. Nowhere on the statement XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX, stating the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
The credit bureaus XXXX, Equifax, and XXXX continue to share inconsistent and incorrect information on my consumer credit reports even a recent investigation and re-investigation of the same accounts. They said that everything was accurate and in fact it is not accurate. This is a clear violation of my rights and causing undue stress on myself and my family because we are being denied credit for essential products and services. The inaccurate information is noted by red arrows in the uploaded documents. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
The credit bureaus XXXX, XXXX, and Experian continue to share inconsistent and incorrect information on my consumer credit reports even a recent investigation and re-investigation of the same accounts. They said that everything was accurate and in fact it is not accurate. This is a clear violation of my rights and causing undue stress on myself and my family because we are being denied credit for essential products and services. The inaccurate information is noted by red arrows in the uploaded documents. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
As a federally protected natural person as defined under the Truth in Lending Act 15 USC 1602e. Pursuant to 15 USC 1681a ( k ), XXXX violated federal law by denying my credit application. XXXX is in violation of but not limited to the following federal laws ; 15 USC 1691 d ( 6 ), 12 CFR 202.9 b ( 2 ), 15 U.S.Code 1692d ( 2 ), and 18 USC 1028. 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1691 ( 3 ) I exercised my right to credit. 15 USC 1602 ( g ) - the term creditor explains I am the person who regularly extends credit. I credited this transaction so how can you deny me? 15 USC 1681 ( k ) Adverse Action - nothing under Adverse Action gives you the right to deny me. 15 USC 1602 ( l ) I credited this transaction as a creditor from my credit card, this was a credit transaction from my credit card. 15 USC 1602 ( p ) unauthorized use, you ran the credit card and I received no benefit. 15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit from this transaction. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights. Lastly, Federal Reserve Act Section 16 ( 12 U.S. Code 412 - Application for notes ; collateral required ) 2. Application for notes by Federal Reserve banks. I am aware that my application is a promissory note which turns into cash or in banking terms floating rate notes that your bank sell and trade on pursuant to 12 u.s.c 1813L ( 1 ). My application is also a security pursuant to 31 cfr 357.2, 15 u.s.c 78c ( a ) ( 10 ) which should also be the collateral for the amount of the credit card pursuant to 7 cfr 4279.202 the security belongs to me the holder in due course since I issued it. At this point XXXX is stealing my security which is securities fraud pursuant to 17 cfr 240.10b-5, and breach of fiduciary duties pursuant to 17 cfr 205.2.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
On I received a collection notice from XXXXXXXX XXXX XXXX in regards to doing business with [ original creditor ] in the amount of {$480.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; Response : NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. I have not consented or signed any paperwork nor have I received any dispute disclosure information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: OH

Complaint narrative:
Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 2024-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: IL

Complaint narrative:
I am writing to formally dispute the validity of an auto loan account appearing on my credit report. Pursuant to my rights under ther Fair Debt Collection Practices Act ( FDCPA ). Specially 15 U.S.C. 1692g. I am requesting detailed Validation of the debt in question.

XXXX XXXX  XXXX Owed to Primer Acceptance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I have consistently been charged a late fee in the amount of {$37.00} since XX/XX/2023, which was the first month of my loan. I accrued actual late fees in XXXX and XX/XX/2023 in the amounts if {$18.00} each, which I paid on top of the monthly {$37.00} fee. When speaking to a customer service representative, they said this {$37.00} was being held in a variance account and it was never applied. This did not make sense to me as the fee started in XXXX and I never received a late fee until XXXX.

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 2024-01-08 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: CA

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to TRANSUNION. In my credit report from XX/XX/, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and 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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit. Please remove immediately Look at how this is reporting. No payment history since the opening day. Remove for inaccuraciesXXXX 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  PAYMENT HISTORY XXXX XXXX XXXX XXXX  No data for this period - Data Unavailable Status Collection account. {$870.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$870.00} Original balance XXXX XXXX Monthly payment-

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 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On two occasions I have spoken to representatives of Shellpoint Mortgage in reference to setting up a repayment plan, once in early XX/XX/2023 and once in mid XX/XX/2023. Both times I was interviewed about the issue I was having that led to missed mortgage payments. After answering all questions, giving all financial information and contact information, I was told that a representative would contact me soon. I was also given the name and email address of the representative : XXXX XXXX, email address : XXXX. After waiting weeks and not receiving a phone call, email or mailing from the representative, I decided to send an email to her. To my amazement the email address was not functional. The representative could not be reached by email. I also sent an email to XXXX, and have not gotten a reply. 
Making contact by phone has been just as frustrating. When I call, I am never connected to a person who has any idea that I have an application on file or who can connect me to XXXX XXXX, my original Shellpoint contact person. As I write this complaint, I have been on hold with Shellpoint for 44 minutes!!!! It seems like they don't really want to help me bring my payments current. It seems like they want me to lose my home to forclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: DISCOVER BANK
State: DC

Complaint narrative:
upon reviewing my credit file i notice that there were two credit cards established in my name with XXXX XXXX XXXXXXXX and discover after careful review of these accounts i did not establish these accounts and they appear to be fraudulent .i have not given any one my expressed permission to establish these accounts in my name this information represents clear violation of the ( FAIR CREDIT REPORTING ACT 15 U.S.C 168I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
Reporting to my insurance that I have 2 comprehensive claims on the same date XX/XX/22. This did not happen. I have spoken with XXXX and XXXX and they say that this is causing my rates to be increased. I DID NOT have any incidents. I used my free windshield repair because that is what I was advised to do. I was not in an accident nor was it an incident and should not be reporting as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo issued me a check for {$200.00} but has failed to provide me the reason for this check. I refuse to cash the check to protect my rights against WF. I need to know what the error is that WXXXX committed.

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 2024-01-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
They are calling and harassing me multiple times a day and at inappropriate times. Always calling from a different phone number-if I answer I ask who they are and what company and why they are calling and they refuse to give that information just launch into some script. I want it to stop! 
I dont even know what this is about and the odd thing is -I just started recently as i have corrected and fixed some inaccurate info on the credit reporting agencies. Please have them cease the harassment! I dont even know what this is for! Vultures!

Company response to consumer: Closed with non-monetary relief