vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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: NY

Complaint narrative:
In accordance with the fair credit reporting act Experian, XXXX, XXXX three major credit reporting agencies has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

these accounts you continued to report as late payments XXXX XXXX XXXX  and 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 2023-02-08 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: MD

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 : XXXXXXXX XXXXs account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I started a mortgage with Investor bank in 2015, my monthly payment was around {$2.00}. Now they sold the mortgage to Citizen and they changed my principal rate. My current payment is {$4.00}. According to your new calculation, I will pay off my principal debt in less than 10 years. In other words, they changed unilaterally the terms of my contract. I called and explained that they can't change the principal, it's not a 30 years mortgage anymore. This amount is too high and my husband and I are having a hard time. Please help us. I called the bank multiple times and I sent and official letter. They replied that they are reviewing my case and get back to me in 30-60 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/2023, I discussed with our loan officer at XXXX  ( XXXX XXXX XXXX XXXX XXXX ) that " locking the rate '' wasn't actually locking a specific rate but rather a " rate sheet '' that is a combination of rates that you can get with points. She confirmed that in an email that same day. After the email, I called her to tell her that I'd like to lock the rate sheet but that later that evening I'd be discussing which combination of rate-points we wanted to go with from the rate sheet. I confirmed that to lock the point I needed to give her my payment info to order an appraisal, which I did on the call. 

Later that night, as committed, my wife and I decided which rate combo we wanted and I emailed the loan officer. The rate combination was XXXX % by paying {$10000.00} in points. 

On XX/XX/2023, the loan officer told us she locked the rate but that the points were now {$13000.00} because she did not lock the loan yesterday. I tried to have her honor the commitment from XX/XX/XXXX but she asserted that I never told her to lock the rate. She said it was in a recorded call but refused to share that call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: MD

Complaint narrative:
I DID RECIEVE INITIAL BILLING ON THIS AND PROVIDED INSURANCE INFORMATION FOR BILLING AND THEN NEVER RECEIVED ANOTHER BILL. THEN IT APPEARED ON MY CREDIT. I HAVE DISPUTED IT ALREADY XXXX ON MY CREDIT AND ASKED THAT THEY SEND DOCUMENTATION FOR THIS ACCOUNT SUCH AS COMMUNICATION CORRESPONDENCE FOR BILLING ATTEMPTS AND OR ABY AND ALL CORRESPONDENCE. NOTHING WAS EVER SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I HAVE DISPUTED THESE ITEMS TO BE REMOVED OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE 3 OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Per 15 USC 1681, I have the right to privacy. My account beginning with XXXX has been subject to violations. According to the report, the collection agencies reported the past due dates on my account which is a violation per 15 USC 1681. I want these improper reports to be removed immediately from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: USA Service Finance LLC
State: AE

Complaint narrative:
The company on the attached document violated the following laws. 

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy in accordance to the law.

15 U.S.C. 1681 Section 604 A. States that a consumer can not furnish an account without my written instructions.

15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Someone with the same name as me, the same date of birth, who failed to pay the balance of their account and failed to return the equipment to XXXX ( XXXX XXXX ). 

This is the second time XXXX  has misreported a collections account as me. A few years ago I saw an account show up on my credit report as in collections. I disputed the account with XXXX, and within a few weeks it was removed. This time when I disputed this new account in collections, XXXX said that they confirmed it was my account, so I contacted the collections company I.C. SYSTEM INC. on XX/XX/XXXX to gather all the information I could on the account and see how this could be resolved. I spoke with a XXXX ID # XXXX who confirmed that the only information that matched mine was my name XXXX XXXX, and my date of birth, XX/XX/XXXX. The service address, phone number, email, is different. XXXX told me to contact XXXX and submit a fraud case. 

I contacted XXXX, opened a fraud case ( XXXX fraud case # XXXX ). The agent I spoke with confirmed that the social security number on the service account the collections account is regarding does not match my social security number, so I disputed the collections account with XXXX again, uploaded scanned copies of my driver 's license, social security card, and passport. XXXX closed the dispute on XX/XX/XXXX with the findings that I.C. SYSTEM INC. confirmed the collections account is me. So when I saw this today ( XX/XX/XXXX ) I called I.C. SYSTEM INCXXXX at XXXX XXXX  EST to ask how they are confirming the account belongs to me. The person I spoke with said that when XXXX investigates the dispute, they just confirmed the information that they have, which in this case, is just the name XXXX XXXX and the date of birth XX/XX/XXXX. I.C. SYSTEM INC. said they do not have this person 's middle name and they do not have this person 's social security number. 

XXXX  is asking me to file a police report claiming identity fraud, but I do not believe this other XXXX XXXX used my identity to open an account, I think XXXX  ( XXXX XXXX ) is improperly reporting the information to their hired collections company I.C. SYSTEM INC. 

I have an active service account with XXXX and I believe they're misreporting that information. 

It is extremely frustrating that this is the second time XXXX has done this, docking my credit score, taking up a lot of my personal time, and causing me undue stress.

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 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: HI

Complaint narrative:
I recently applied for an apartment. When I applied they notified me that I had a collection notice on my account and could not get the apartment. I contacted the collection agency as I did not know what the collection was for. I found out that they sent me to collections for nonpayment on another lease. It was a lease signed by my ex-husband and his girlfriend. They forged my signatures. I never signed this lease. I was completely unaware. Then my ex-husband died in XXXX. The collection agency is Hunter Warfield. the account number I have is Hunter Warfield # XXXX. 
I have been asking them for over a month and 12 phone calls to please send me a copy of this fraudulent lease so that I can file a police report. They have continued to tell me that they sent it. I never received anything. I have asked them to send it by certified mail. they said they can't. on XXXX I requested they email it to me, they agreed but I never received it. they do have my correct email address on file because I did get an email from them except it was not the fraudulent lease I requested. It's been more than 30 days since I requested the fraudulent lease and Hunter Warfield has continued to give me many excuses for why I haven't received it yet. i can't clear my credit report and this collection without this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
This company called XXXX XXXX as well as Spring Oaks continues to call me up to 4 times a day. Ive asked to stop calling me and they repeatedly do so. As early as XXXX and throughout the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, and XXXX from 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

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 2023-02-08 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and XXXX from 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
credit acceptance corporation i had paid and turned in the car and i had made sure that i handled everything to properly close the account

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 monetary relief
Consumer complaint received 2023-02-08 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 to the Fair Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 602 A States I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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 to the Fair Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 602 A States I have a 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 non-monetary relief
Consumer complaint received 2023-02-08 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX, XXXX, Transunion XXXX major credit reporting agencies has violated my rights. 
15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

these accounts you continued to report as late payments XXXX XXXX XXXX  and XXXX 's 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 non-monetary relief
Consumer complaint received 2023-02-08 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX, Equifax, XXXX XXXX major credit reporting agencies has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

these accounts you continued to report as late payments XXXX XXXX XXXX  and XXXX 's XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-08 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: FL

Complaint narrative:
In according to the Fair Credit Reporting Act XXXX  act account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX  card account XXXX has also. 

XXXX XXXX  account number XXXX has also violated my rghts XXXX XXXX XXXX XXXX account number XXXX has alo violated my rights XXXX XXXX account number XXXX has also. 

XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX has alot the account number is XXXX  15 USC 1681 States I have the right to privacy.

15 USC 1681 Section 602A It also states a consumer Reporting Agency can not furnish an account with out written instruction.

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 2023-02-08 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: FL

Complaint narrative:
In according to the Fair Credit Reporting Act XXXX  act account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX  card account XXXX has also. 

XXXX XXXX  account number XXXX has also violated my rghts XXXX XXXX XXXX XXXX account number XXXX has alo violated my rights XXXX XXXX account number XXXX has also. 

Departmnet of Edu Account XXXX XXXX XXXX XXXX has alot the account number is XXXX XXXX XXXX XXXX States I have the right to privacy.

15 USC 1681 Section 602A It also states a consumer Reporting Agency can not furnish an account with out written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Three credit cards were opened in my name. 
XXXX XXXX XXXX XXXX for {$500.00} Capital One for {$3200.00} XXXX XXXX for {$330.00} I have reported these cards to the perspective companies. The accounts have been closed and are under investifation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX, I applied for a store credit Wells Fargo card and was approved for a {$12000.00} credit line. I paid every payment on time, but received a notice that my account would be closed in XXXX, which damaged my credit. My credit has yet to recover from the credit line being closed abruptly without cause. I reached out to Wells Fargo about the matter to only find out that weren't offering this line of credit any longer.

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 2023-02-08 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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