vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I called to settle my debt for my USAA credit card which was canceled, but once I requested a letter from them to say I had settled the amount I was laughed at and told that it wouldnt be removed as a negative impact and that I would just have to deal with it on my report. I have been with them for over 15 years, I have all my insurance, banking and all accounts with them and I thought that as a veteran they had my back. Im trying to sell my home and buy another and this is seriously impacting my chances to move forward. I went through tough times, but Im making a comeback and working hard to prove it. I just want a chance to start over and provide for my family and Im so disappointed that Im being treated this way. My circumstances have changed significantly and I know I wont be struggling financially like I used to. I would like the opportunity to move forward with this and I need help getting this fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit card account information was posted without my authorization, not to mention three of them were paid in full, as a result of the informaton being on my credit report it has impacted my ability to find a place to live, all three credit bureau 's have violated my rights, and this is grounds for removal according to 15 USC 1681, section 602 A, which states, I have the right to privacy, and 15 USC 1681 - 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions so therefore they used my information imporperly.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have spent hours on the phone with Equifax trying to resolve this issue, to no avail. 

Their Dispute resolution system does not have sufficient functionality to address this issue, and the support agents are unable to address the issue, effectively putting me into a circular event loop where resolution is impossible. 

Equifax is reporting a past address as current, and a current address as past, offering no possible method to resolve the issue. The address listed as current in over 4 yours out of date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
2 years ago I have advised this company XXXX XXXX I did not take out a credit card with them. since they they have attempt to call/ sends letters, as of today XX/XX/22 I got a letter in mail for civil judgement to appear in court. They also sent someone to my home to serve me a warrant. They have Midland credit management sending threating attempt to collect letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I disputed the following fraudulent accounts multiple times, yet they are still illegally being reported on my consumer report. This is my final attempt before filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I applied for a BofA credit card on XX/XX/XXXX and got a hard inquiry on XXXX and one on XXXX. I got a letter dated XX/XX/XXXX telling me I would have to call BofA in the next 30 days to verify some information or else my application would be cancelled. And so the next week I called, verified some information, and then got approved. The only problem is that BofA made another hard inquiry on my XXXX credit report. Now I have two hard inquiries on my XXXX credit report for the same credit card application. I tried filing a dispute with XXXX, but they're not abiding by the FCRA and told me that I would have to contact the furnisher directly because XXXX 's records are already accurate based on the information the furnisher provided ( which negates the purpose of a reinvestigation and their role in forwarding my dispute to the furnisher ). And so I initiated my first dispute through the phone with BofA and I received a letter dated XX/XX/XXXX explaining that I would need to provide more information via mail. So I sent a letter describing the nature of my dispute and received a letter dated XX/XX/XXXX explaining that I was not clear enough and would need to send another dispute with better clarity. And so I did and received a letter dated XX/XX/XXXX explaining that BofA found the hard inquiry made on XX/XX/XXXX to be accurate. I called BofA in disbelief and they told me that they have a 30-day window before needing to hard pull my credit report again, which I missed by two days. I asked why it couldn't be a soft inquiry and they said it doesn't provide the same information, when in reality it does. I then asked why they took so long in sending me the letter that tells me to call them within 30 days ( which didn't match the 30 days before a new hard inquiry would be made ) and they said they've tried contacting me through other methods, which is not the case. The letter that told me to call them within 30 days only gave me a week after receiving it to avoid a second hard inquiry. I at no point started a second credit card application and these two hard inquiries are for the same credit card application.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I submitted a dispute with TransUnion on an account that shouldn't even be on my report from XXXX, due to the account in question first of all not being mine. There are XXXX issues with this account, XXXX has no knowledge of the account information they reported to credit bureaus and after submitting a dispute with TransUnion on XXXX XXXX, 2022, now 10 days later there is no record of my dispute submission. This seems to be an ongoing issue with TransUnion as well, due to the fact that I have had many other issues ( some that required previous complaints with you agency ) with submitting complaints with them. What is the point of putting rules and laws in place if they aren't consistently upheld? I assume this is only meant for people not in affluence, or a place of power.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has violated my right to privacy. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. These two addresses does not belong to me XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
The address above WRONG ADDRESS. Experian said it was attached to an account ( XXXX XXXX XXXX with account number XXXX and verified. I was told on the phone but it was a LIE. I have attached my bill with that account number showing different address. I request for validation and verification 2 times but I did not receive any single reply. Please see an attached document justifying my claim. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. 

This above address continue to appear on my credit report with Experian. Never did I live in this address and I made it known to Experian but this outdated address still reporting on my credit profile.

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 2022-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I called to in to Regional Acceptance Corp after I logged on to the app to see if I could do it myself. I am trying to refinance my auto and they want a copy of the title, front and back. The representative went through all my info, verifying everything and finally told me that they would not be able to provide me with that as I am over 30 days behind and simply wanted me to make a payment. I explained I was refinancing and didn't plan to make that payment. He told me he could send the request up and management would deny until I made a payment. I asked to be transferred to that XXXX as I wanted him to confirm that Regional Acceptance is refusing to send me a copy of my title until I made a payment as I thought that was illegal. He transferred me to another department who confirmed I am 10 days past due, not XXXX and that he couldn't get me that document copy but he could transfer me back to customer service ( he was collections ) and they could send me the document I was requesting. Call initiated at XXXX XXXX. I'm still on hold, however, they have employees who lie about providing documents and use unscrupulous collection methods. 

Now the new customer service rep is saying they will not provide me with a copy of the title, but with the title application that is 3-4 years old and not what I need. I've even told them I'm filing a complaint with the CFPB because of this, they say they don't have it. How can they release it when I pay it off if they do not have it??

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 2022-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
On XX/XX/22, XXXX  XXXX XXXX XXXX sent a payoff check to Firstmark Services for {$9300.00}. On XX/XX/22, the check was paid and endorsed by Firstmark Services. On XX/XX/22, I emailed Firstmark Services to ask about the status of the check. On XX/XX/22, they responded and told me that the check was not yet received and I should send documentation. On XX/XX/22, I emailed and uploaded a copy of the check, as well as verification that the check was cashed on XX/XX/22. On XX/XX/22, Firstmark Services told me that the check was returned for XXXX. I responded with an email that stated again when they cashed the check and that I would be filing a complaint if they did not figure this out. Finally, last night I emailed and stated I would be filing a complaint this morning. They responded and said again that the check is XXXX  and returned. I submitted a letter from my issuing institution that states that the check was never returned and that the issuing institution conducted an audit on their ledgers and confirmed they were balanced. My husband and I called Firstmark Services to try one last time to get this straightened out, and the best answer we received was that they would investigate it with their processing team. 

This has been very frustrating and we have been fighting with them since XX/XX/22. We have offered proof again and again that they cashed the check and did not apply the funds to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
on XX/XX/2022 I discovered someone attempted to open a Bank of America unlimited cash rewards visa signature card Ref # XXXX. I notified BOA and the credit agencies stating that it wasn't me. I've spent countless hours on the phone on hold trying to get this corrected as its affecting my credit score. please I need help in having this removed from all 3 credit agencies. please call XXXX or email me at XXXX I want this removed and corrected.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Michael G. Niles
State: SC

Complaint narrative:
Under usc 15 1681. Executive financial co account # XXXX and account # XXXX and account # XXXX has violated the HIPPA law. In accordance with the fair credit reporting act. The list of accounts above has violated my federally protected consumer rights under 15 USC 1681. Section 602 A. States I have the right to privacy. 15 USC 1681 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than convictions or crimes which antedates the report by more than seven years. 15 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: GA

Complaint narrative:
I found out this morning that a trusted friend has split my income tax refund and have half sent to a US Bank XXXX account ending in XXXX. The IRS has requested a paper check but due to the refund being sent by direct deposit on XX/XX/22, they can not guarantee that it can be cancelled. I contacted US Bank to find out why are they accepting refunds if the person 's name is not on the account. I have been told they do not do a name check. US Bank unethical practice is why this person chose this bank. The IRS site stated that if the name does not match, it should be rejected but US shady business practices is enabling these fraudsters to defraud US taxpayers out of their hard earn money!

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted disputes multiple times in regards to BANKRUPTCY CHAPTER XXXX DISMISSED reporting on my credit report. XXXX and Experian continue to report this Bankruptcy even after i informed them that I have never filed Bankruptcy. They claim to be verifying this information with XXXX. I have contacted XXXX and this Bankruptcy was removed from their system as being unverifiable! How does XXXX and Experian verify information that is unverifiable with the supposed agency giving them the information? This FALSE reporting on my credit report has caused great harm to my credit. I am submitting evidence that the XXXX and Experian continue to cause harm to my credit and evidence that XXXX has said themselves that this information is UNVERIFIABLE and has been REMOVED from their system.. XXXX and Experian must be held accountable for the blatant disregard of federal law pertaining to accurate credit reporting and 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 explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
ATTACHED TO THIS COMPLAINT ARE SUPPORTING DOCUMENTATION FOR MY OPEN DISPUTE WITH EXPERIAN. THE FILES WERE TOO LARGE TO UPLOAD ON EXPERIAN.COMXXXX XXXX THESE DOCUMENTS ARE FOR MY OPEN COMPLAINT # XXXX WITH CONSUMER FINANCIAL PROTECTION BUREAU XXXX I WOULD THESE SUPPORTING DOCUMENTS INCLUDED IN MY ONGOING DISPUTE AGAINST XXXX FOR EXPERIAN REPORT # XXXX. THANK YOU EXPERIAN. 

THE SUPPORTING DOCUMENTS WILL SHOW THAT XXXX HAS NEVER REPORTED ME DELINQUENT TO THE TWO OTHER CREDIT BUREAUS SUCH AS XXXX AND XXXX ( SEE ATTACHED CREDIT REPORT ) THERE ARE NO SOFT/HARD INQUIRY ON NEITHER REPORT, ALSO ATTACHED ARE MY OFFICIAL POLICE REPORT, AND FTC AFFIDAVIT .

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account number : # XXXX, has violated my rights Account Number : # XXXX Account Name : XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I disputed the following fraudulent accounts multiple times, yet they are still illegally being reported on my consumer report. This is my final attempt before filing a lawsuit.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed the following fraudulent accounts multiple times, yet they are still illegally being reported on my consumer report. This is my final attempt before filing a lawsuit.

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 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I have a charge off account with this company that is reporting on my credit file there company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation