vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given XXXX XXXX XXXX written, unwritten, verbal & non verbal per 15 USC 6802 as well as 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 


I DID NOT RECEIVE A PROPER OPT OUT NOTICE FROM XXXX XXXX XXXXXXXX FURTHER ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 

I HAVE SENT XXXX XXXX XXXX NOTICE TO OPT OUT

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 2024-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Mr. Cooper is my new Mortgage servicer/ Note Holder/ Collection Agency. 
I say this because I don't have a Contract or Mortgage agreement with Mr. Cooper. 
They have been Billing me for my Monthly Mortgage payments for a few months now. I sent a letter asking for ALL DOCUMENTS Including my original Mortgage Note and they didn't provide anything of the such. They have raised my monthly note almost XXXX. 
They have NOT PROVEN they have any interest in my home as far as having the rights to Bill me monthly, they have NOT SHOWN ME ANY PROOF OF PURCHASING MY MORTGAGE AND NOTE. I have NO CONTRACT WITH THIS COMPANY AT ALL. 

THEY WILL NOT COMPLY WITH MY DEMANDS, THIS IS MY ACCOUNT AND I HAVE THE SUPREME RIGHT TOKNOW ALL THAT IS GOING ON WITH MY ACCOUNT. 
I HAVE A MORTGAGE WITH XXXX XXXX XXXX XXXX XXXX XXXX. I CURRENTLY DISPUTING WITH THEM ABOUT DEBT VALIDATION ISSUES. So I don't know anything about this Mr. Cooper Company, and again, have NO CONTRACT WITH THEM. 
They have claimed to be the Debt Collector, Note Holder and Servicer. They can be only one of these Entities..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I called Bank of America to get info about the status of my account and the available balance in order to re-activate my account if needed. They asked for XXXX number i provided the number and also the issuance and expiration dates. As well as passport number used during onboarding. As they indicated if you provide these information we can verify your identity and provide you all information request you required. But after providing they said we can not reach your account and then they said we could not verify you. I asked to get a case/ complaint number they refused but later they provided the case number which is XXXX. Please listen to the recorded call at XXXX XXXX XXXX XXXX time to find out how they refused and all the needed info were provided. I am willing to go on video call/face time to verify my identity if needed since i am outside the US currently .

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 2024-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Major issue with US Bank. Sold my car, a XXXX XXXX XXXX XXXX, the lien, loan was paid off via wire to US Bank {$100000.00} on a Monday XX/XX/XXXX, they confirmed successful transfer on Tuesday with par number on XX/XX/XXXX and said my account would close XXXX XXXX Buyer also confirmed on their end that they received a federal transfer number. Now 5-days later, they cant confirm completion or close out the account at all. They literally do not know what happened to the wired funds and are now investigating. They have also been charging interest on the account and refuse to provide anymore information or details. Vehicle no longer in my possession and they said they would maybe get back to me on XXXX. Im extremely scared.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consurmer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Based on the above Capital One is not complying due to reporting inaccurate information to all 3 Credit Reporting Agencies. They have different open dates, credit limits, date last active and last payment dates.

15 USC 1681 section 604 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 financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
I'm on the new XXXX plan and making all my payments ( {$0.00} ) so my balance is not supposed to go up, but MOHELA is still reporting it to credit BUREAUs as going up and this is making my credit score go down. They also removed the note " XXXX loan - payment deferred '' from my credit report and I don't know why. I've asked many times why this has happened to my credit reports and they don't respond. I've asked them to cease reporting this to credit bureaus as I'm on the XXXX plan, but they are still doing so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received a {$500.00} AmEx gift card last year and I have had tremendous difficulty getting the card to be approved by most large retailers, such as XXXX, XXXX, XXXX XXXX, grocery stores, and XXXX. I was able to use the card for niche holiday purchases, but have been unable to use the remaining {$250.00} on items that I would use myself. I would just like a check of the remaining balance so I can use it without getting declined by every mainline retailer. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion due to their inadequate response to my dispute. On XX/XX/year>, I sent a dispute letter to TransUnion, seeking an investigation into inaccurate items on my credit report, including XXXX XXXX - XXXX, XXXX BANKR - XXXX, and XXXX XXXX XXXX - XXXX. Additionally, I disputed incorrect personal information on my credit report. However, TransUnion 's response, dated XXXX, stated : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. The Fair Credit Reporting Act ( FCRA ) mandates that if the completeness or accuracy of any item in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation. TransUnion 's failure to conduct such an investigation is a violation of my consumer rights under 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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I would like to have all names removed from ALL 3 reporting agencies and reported as such. 
XXXX XXXX XXXX, I am only 1 person. I have no other names or priors. 



Credit Report Date : XX/XX/scrub>XX/XX/XXXX  Name : XXXX XXXX XXXX ( only name that should appear ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Former : - - XXXX 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 non-monetary relief
Consumer complaint received 2024-02-04 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I recently checked my credit report and saw accounts i do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
SOMEONE OPENED A XXXX XXXX XXXX in name making payments which impacted my credit, etc. I was terminated from multiple jobs, lost my car and evicted. I have not been able to hold employment due to this situation, XXXX level, etc. I filed an identity theft report and I only found out about this in XXXX of XXXX  I WANT THIS ACCOUNT REMOVED FROM ALL OF MY CREDIT REPORTS INCLUDING THE NEGATIVE INFORMATION ASAP OR {$34000.00} WILL BE PAID IN ADDITION TO THE REMOVAL FROM ALL INFORMATION FROM CREDIT REPORTS ABOUT THIS ACCOUNT! Additionally, I have been sleeping in shelters, motels with vouchers, the streets, or abandoned places and public bathrooms. Every program has informed that I need help beyond their qualifications and housing is waitlisted. I CAN NOT GET HOUSING ASSISTANCE, A JOB NOR A CAR WITH THIS ON MY CREDIT REPORTS AND I HAVE BEEN ABANDONED BY MULTIPLE PEOPLE IN MY LIFE LEAVING ME TO DO EVERYTHING ALONE!!! I HAVE BEEN HOSPITALIZED FOR MULTIPLE OVERDOSES IN WHICH I WAS CONTEMPLATING XXXX DUE TO THIS SITUATION!!

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
SOMEONE OPENED A XXXX XXXX XXXX in name making payments which impacted my credit, etc. I was terminated from multiple jobs, lost my car and evicted. I have not been able to hold employment due to this situation, XXXX level, etc. I filed an identity theft report and I only found out about this in XXXX of XXXX I WANT THIS ACCOUNT REMOVED FROM ALL OF MY CREDIT REPORTS INCLUDING THE NEGATIVE INFORMATION ASAP OR {$34000.00} WILL BE PAID IN ADDITION TO THE REMOVAL FROM ALL INFORMATION FROM CREDIT REPORTS ABOUT THIS ACCOUNT! Additionally, I have been sleeping in shelters, motels with vouchers, the streets, or abandoned places and public bathrooms. Every program has informed that I need help beyond their qualifications and housing is waitlisted. I CAN NOT GET HOUSING ASSISTANCE, A JOB NOR A CAR WITH THIS ON MY CREDIT REPORTS AND I HAVE BEEN ABANDONED BY MULTIPLE PEOPLE IN MY LIFE LEAVING ME TO DO EVERYTHING ALONE!!! I HAVE BEEN HOSPITALIZED FOR MULTIPLE OVERDOSES IN WHICH I WAS CONTEMPLATING XXXX DUE TO THIS SITUATION!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
SOMEONE OPENED A XXXX XXXX XXXX in name making payments which impacted my credit, etc. I was terminated from multiple jobs, lost my car and evicted. I have not been able to hold employment due to this situation, XXXX level, etc. I filed an identity theft report and I only found out about this in XXXX of XXXX. I WANT THIS ACCOUNT REMOVED FROM ALL OF MY CREDIT REPORTS INCLUDING THE NEGATIVE INFORMATION ASAP OR {$34000.00} WILL BE PAID IN ADDITION TO THE REMOVAL FROM ALL INFORMATION FROM CREDIT REPORTS ABOUT THIS ACCOUNT! Additionally, I have been sleeping in shelters, motels with vouchers, the streets, or abandoned places and public bathrooms. Every program has informed that I need help beyond their qualifications and housing is waitlisted. I CAN NOT GET HOUSING ASSISTANCE, A JOB NOR A CAR WITH THIS ON MY CREDIT REPORTS AND I HAVE BEEN ABANDONED BY MULTIPLE PEOPLE IN MY LIFE LEAVING ME TO DO EVERYTHING ALONE!!! I HAVE BEEN HOSPITALIZED FOR MULTIPLE OVERDOSES IN WHICH I WAS CONTEMPLATING XXXX  DUE TO THIS SITUATION!!

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 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My card has been fraudulently charged over {$14000.00}. American Express is refusing to reverse the fraudulent charges. Under Federal Law I am not responsible for fraudulent transactions on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: TX

Complaint narrative:
per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given XXXX XXXX XXXX written, unwritten, verbal & non verbal per 15 USC 6802 as well as 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 


I DID NOT RECEIVE A PROPER OPT OUT NOTICE FROM XXXX XXXX XXXX FURTHER ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 

I HAVE SENT XXXX XXXX XXXX NOTICE TO OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given COLUMBIA DEBT RECOVERY written, unwritten, verbal & non verbal per 15 USC 6802 as well as 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 


I DID NOT RECEIVE A PROPER OPT OUT NOTICE FROM COLUMBIA DEBT RECOVERY FURTHER ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 

I HAVE SENT COLUMBIA DEBT RECOVERY NOTICE TO OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I am disputing this account because I do not recognize it and I previously filed a report with the FTC for identity theft, I received a letter saying that I had until XX/XX/2023 to contact you regarding this account that otherwise you would assume that this account belongs to me. here I communicate with you using my rights as a consumer. 

PORTFOLIO RECOVERY ASSOCIATES , LLC. 
{$11000.00} This account is being disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

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 2024-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Debt collector erroneously and illegally reporting incorrect information on my credit file for a debt that I do not owe to this company. LVNV reports that this debt collection account is an OPEN INSTALLMENT / Tradeline account. Ive contacted this business via certified mail several times asking for complete validation, which they have not sufficiently provided. Id like this account permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Late Payments I didnt receive Notice were in XXXX 30 day late in XXXX and XXXX I sent a letter on XX/XX/XXXX under tracking number XXXX XXXX XXXX Experian requesting to do a reinvestigation requesting XXXX XXXX account number XXXX was to provide this notice to consumer prior to, or no later than 30 days, after furnishing negative information, which I didn't receive proof of the notice was sent to me. 
According to the FCRA, Section XXXX ( a ) ( XXXX ), XXXX XXXX, as a Furnisher of information were to provide me with written notification no later than 30 days after furnishing the disputed late payments on XX/XX/XXXX and XX/XX/XXXX. However, XXXX XXXX failed to comply with the responsibilities of a Furnisher as enforced by the FCRA, as this written notice was never provided, and violates my rights under the FCRA. 

Therefore, under Section XXXX ( a ) ( XXXX ) of the FCRA, XXXX XXXX have a duty to correct and update this information to either ND ( No Data ) or NR ( Not Reported ). They never updated this information to ND or NR.

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