vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my 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 2024-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
I purchased a XXXX ram XXXX from XXXX XXXX XXXX using Exeter finance llc for {$30000.00} with {$10000.00} down I decided to refinance through XXXX. I requested a payoff quote from Exeter and received it promptly then forwarded it to my bank. A cashiers check pay to the order of Exeter finance LLC for {$21000.00} was mailed to the po box listed on the payoff quote on XX/XX/XXXX and was cashed on XX/XX/XXXX at XXXX XXXX. Exeter finance claims that they never received the check. I have contacted several departments at Exeter finance with my bank on conference call with no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX : I received an email from American Express ( AMEX ) with an offer to upgrade my credit account ( XXXX XXXX XXXX XXXX ) and a Welcome Bonus of XXXX reward points. The offer was shown to expire on XX/XX/XXXX. 
XX/XX/XXXX : I used the hyperlink in the emailed offer to initiate an application for a XXXX XXXX. After negotiating the AMEX website, I was able to apply and quickly get approval for a XXXX XXXX. 
XX/XX/XXXX : I received the physical XXXX XXXX in the mail with associated paper documents. 
XX/XX/XXXX : Since none of the paper documents referenced the Welcome Bonus, I contacted AMEX via an online chat. I was told that MY Welcome Bonus was only eligible for XXXX reward points and that obtaining the bonus required more spending than was represented in the original email offer. The AMEX representative took my 'RSVP ' number from the email and informed me that an investigation/action would be initiated. 
XX/XX/XXXX ( today ) : I received an email updating my progress towards XXXX reward points, indicating the investigation was incomplete or had come to an undesirable outcome. I called AMEX and got to speak with a representative who informed me that the investigation had been completed and that the sole bonus offer associated with my account was for a potential XXXX reward points. I expressed that this appeared to be a " bait-and-switch '' offer. The representative 's response was clear : The XXXX reward point offer was the only one associated with my card account and that I would need to take my business elsewhere if I was dissatisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of 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 non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please check the documents I've sent as there are still unauthorized inquiries 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 non-monetary relief
Consumer complaint received 2024-07-11 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: CA

Complaint narrative:
I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the XXXX shows the letter was delivered on XX/XX/XXXX. It has been more than 30 days, and I have not received any proof that your company validated the debt. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed. 

XXXX XXXX Account XXXX Account type : Business Card Responsibility : Joint Date opened : XX/XX/XXXX Status : Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Account type : Auto Lease Responsibility : Individual Date opened : XX/XX/XXXX Status : Paid, Closed. 
Status updated : XX/XX/XXXX XXXX XXXX XXXX Account XXXX Account type : Auto Lease Responsibility : Individual Date opened : XX/XX/XXXX Status : Account charged off. {$35.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$35000.00} XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Responsibility : Individual Date opened : XX/XX/XXXX Status ; Account charged off. {$20.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$10000.00} Balance updated : XX/XX/XXXX Recent payment : {$2100.00} as of XX/XX/XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account type : Auto Loan Responsibility : Individual Date opened : XX/XX/XXXX Status : Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$6000.00} Balance updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account type : Secured Loan Responsibility : Individual Date opened : XX/XX/XXXX Status : Paid, Closed. 
Status updated : XX/XX/XXXXXXXX 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my 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 2024-07-11 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: NV

Complaint narrative:
XXXX is reporting my credit card 30 days late on XX/XX/year>. That information is incorrect and I have never been 30 day 's late on this account. 
For proof I have attached two documents, the first is my credit card statement from XXXX on XX/XX/year> which shows a payment made on XX/XX/year> in a total of {$76.00}. The second document I attached is a copy of my credit report from Experian showing a 30 day late payment on XX/XX/year>, I have personally marked both documents with a pen so it is easier to find the information relevant to this complaint. Those XXXX documents obviously contradict each other and proves that my payment was not 30 day 's late in XXXX of 2021.

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 2024-07-11 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-07-11 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: NC

Complaint narrative:
My Rights have been violated. Experian refused to correct the issue after multiple attempts. INPROPER USE OF MY CREDIT REPORT. This Creditor has violated my rights per 15 U.S.C. 1681 section 602, 15 U.S.C 1681 section 604 and Under 15 U.S.C 1666B.

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 2024-07-11 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: OPTUM BANK, INC.
State: MA

Complaint narrative:
I signed up for a commuter benefits account with XXXX when I started with my employer in XX/XX/XXXX. Each paycheck, a certain amount of money is taken out of my paycheck before taxes to be put towards commuting expenses for the following month ( i.e. funds are taken out of my paychecks from XXXX so that I spend on my XXXX train pass ). I lost my job on XX/XX/XXXX and, at the time, my commuter benefits account had {$470.00} in it. I contacted XXXX to get them to release the funds, but they said they were forfeited. I asked for information about why they were forfeited and they told me that it was their policy I don't understand how a company can simply decide to take the money I earned with no explanation. I feel that this policy is essentially stealing from people who use this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upo

n fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :.

Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted.

Adjust accordingly if there is no inquiries or personal information to be deleted "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
Mr. Cooper is the servicer for my loan with XXXX. Until XX/XX/2024, I had a bi-weekly mortgage payment set up for my loan. Starting in XXXX, Mr.Cooper unilaterally changed my payment set up to a one-time monthly payment without advance notice to me. I caught the change on XX/XX/2024 and tried to fix it online. There are no options online to change the standard one-time monthly payment to bi-weekly. I called the company, and I was told I have to submit a request to a specialized department that sets up bi-weekly payments. I was also told, I wouldn't be notified when the change is processed and I have to check back online again to see the change. I was also told it could take 3 - 5 days for the change to happen. I am very surprised and frustrated that a company can unilaterally change my payment process without any notice, and doesn't provide any online option for me to make the appropriate changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX XXXX and I've decided to write this report on my own behalf. According to the Federal Credit Reporting Act ( FCRA ) codes, 15USC 1681-2 ( a ) ( 1 ) & ( a ) ( c ) and 15 USC 1681-B the accounts listed in this report should not be reflected on my credit reports as they directly violate my rights as a federally protected consumer. According to these codes listed in my statement, it is Non permissible for a creditor to report anything under any circumstances, without the proper authorization and prior written approval and instructions from me. No consent constitutes identity theft. So, as a federally protected consumer, I am exercising my rights and demanding the immediate removal and deletion of the listed accounts in this 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 2024-07-11 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
On this time I wasnt able to get any credit because I was in jail

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 2024-07-11 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I was reviewing my credit reports and noticed a collections account being pursued by LVNV FUNDING LLC ( C/O Resurgent Capital Services ). I disputed this clam and received no response to my dispute but it is still showing as a collection on my credit reports Also, In regards to this claim, I have received no competent evidence that proves I owe any debt to LVNV FUNDING LLC ( C/O Resurgent Capital Services ). I will pay in full if there has been any signed original contract/agreement between myself and LVNV FUNDING LLC ( C/O Resurgent Capital Services ) that provided me consideration for their claim to be enforceable. Also, under Florida State law this constitutes fraud, which is a felony. My rights to privacy have been been breached ( pursuant to 15 USC 1692 ), causing me harm, abuse and mental anguish. I gave LVNV FUNDING LLC ( C/O Resurgent Capital Services ) no authorization to furnish anything on my credit profile. They are conducting identity theft which is also a felony of the third degree under Florida Law. LVNV FUNDING LLC ( C/O Resurgent Capital Services ) needs to provide me with their bond, proof of insurance and what authority they have to legally collect. I will also be charging LVNV FUNDING LLC ( C/O Resurgent Capital Services ) {$10000.00} ( XXXX XXXX Dollars ) for my time, inconvenience, the breach of my privacy and attempting to steal my identity. I demand my information/account be deleted from their files/records and removed from my credit reports immediately. I will not hesitate to exercise my rights if my demands are not met immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that i have made. My identity has been used without my knowledge, due to my identity being stolen, block and remove the following fradulent inquiries. It is the result of identity theft. The transunion inquiries listed below are fraudulent and must be deleted and blocked. 

FTC report attached

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