vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: OR

Complaint narrative:
Regarding : my U.S. Bank VISA XXXX XXXX XXXX XXXX In XX/XX/2024, I received an email offer from U.S. Bank, expiring on XX/XX/2024, promoting ExtendPay Plans with {$0.00} fees. On XX/XX/XXXX, I initiated a {$1200.00} transaction ( motel reservation ) intending to utilize this offer by combining multiple transactions totaling over {$2000.00} into a single ExtendPay Plan for an extended pay-back period.

Regrettably, the transaction didn't clear until XX/XX/XXXX, post-expiration of the {$0.00} fee offer. Anticipating a new offer, I delayed action until XX/XX/XXXX, the deadline for ExtendPay Plan creation. However, on XX/XX/XXXX, an autopay inadvertently applied the transactions, prompting immediate action. 
Despite promptly creating an ExtendPay Plan, a subsequent payment fully cleared the newly created plan of {$2400.00}. Following U.S. Bank 's suggestion, I sought a payment reversal and requested XXXX, the payor, to stop payment. While XXXX initially cooperated, subsequent actions led to further complications. 
Repeated attempts to rectify the situation resulted in prolonged and frustrating interactions with U.S. Bank, amounting to 16 hours and 40 minutes of phone calls. Despite these efforts, my account balances remain inaccurate, with no satisfactory explanation or resolution provided by U.S. Bank representatives.

Given the complexity and ongoing errors, I request a thorough investigation into my account, including a review of recorded phone discussions. Attached are comprehensive records documenting the sequence of events and communications, including 35 attachments detailing the historical list of records and a list of phone calls made.

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 2024-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy and legitimacy of certain inquiries listed on my credit report obtained from your agency. Upon reviewing my credit report, I have identified several unauthorized inquiries that have been made without my consent or authorization. These inquiries have negatively impacted my credit score and financial standing. 
Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information listed on a consumer 's credit report is accurate, verifiable, and obtained with proper authorization. Additionally, according to the FCRA, Section 1681b ( c ) ( 1 ) ( B ), credit inquiries must be made with the consumer 's express consent or for a permissible purpose as defined by law. Any inquiries that do not meet these criteria are considered unauthorized and must be removed promptly. 
I have carefully reviewed my records and can confirm that I did not provide consent for the following inquiries : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Coaf XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Team XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore, I have not initiated any new credit applications or transactions with the entities associated with these inquiries during the specified timeframe. Therefore, these inquiries are in direct violation of my rights under the FCRA. 
In light of the above, I kindly request that you conduct a thorough investigation into these unauthorized inquiries and remove them from my credit report immediately. I also request written confirmation of the removal of these inquiries once the investigation is complete. 
Failure to comply with this request may result in further legal action to ensure the accuracy and integrity of my credit report in accordance with federal law. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy and legitimacy of certain inquiries listed on my credit report obtained from your agency. Upon reviewing my credit report, I have identified several unauthorized inquiries that have been made without my consent or authorization. These inquiries have negatively impacted my credit score and financial standing. 
Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information listed on a consumer 's credit report is accurate, verifiable, and obtained with proper authorization. Additionally, according to the FCRA, Section 1681b ( c ) ( 1 ) ( B ), credit inquiries must be made with the consumer 's express consent or for a permissible purpose as defined by law. Any inquiries that do not meet these criteria are considered unauthorized and must be removed promptly. 
I have carefully reviewed my records and can confirm that I did not provide consent for the following inquiries : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Coaf XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Team XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore, I have not initiated any new credit applications or transactions with the entities associated with these inquiries during the specified timeframe. Therefore, these inquiries are in direct violation of my rights under the FCRA. 
In light of the above, I kindly request that you conduct a thorough investigation into these unauthorized inquiries and remove them from my credit report immediately. I also request written confirmation of the removal of these inquiries once the investigation is complete. 
Failure to comply with this request may result in further legal action to ensure the accuracy and integrity of my credit report in accordance with federal law. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-19 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
To whom it may concern, I am writing to address a serious issue I have encountered with my XXXX  XXXX credit card account. Recently, my account was closed without any prior notice. Consequently, my account was sent to a collection company, and this action has adversely affected my credit report. 

Furthermore, I was not provided with an opportunity to dispute the charges or the account closure. This lack of communication and transparency has caused significant distress and harm to my credit standing. 

I seek a resolution that includes the following steps : 1. **Reinstatement of the Account : ** XXXX XXXX should consider reinstating my account to its previous status if it was closed without proper notice. 

2. **Removal from Collections : ** The account should be removed from the collection company and taken off my credit report if the closure was unjustified.

3. **Dispute Opportunity : ** I should be given the opportunity to dispute the charges or issues that led to the account 's closure and the collection action.

4. **Credit Report Correction : ** Any negative marks on my credit report resulting from this issue should be corrected to reflect that the account was improperly closed.

5. **Clear Communication : ** XXXX XXXX should provide clear communication and documentation regarding why the account was closed and the steps they are taking to resolve the issue. 

6. **Compensation for Damages : ** If the closure has caused financial harm, XXXX XXXX should consider offering compensation or credit monitoring services to mitigate any damage to my credit. 

I trust that you will take these concerns seriously and address them promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I conversed with Mr. Cooper 's Customer Service Representative, XXXX, who assured me that my account had been paid in full. He elaborated on the processing timeline for the requested documents, estimating a completion window of 20 to 30 days. Regrettably, despite XXXX 's reassurances, neither the Payoff Notice nor the Lien Release document materialized. 
Residing in North Carolina, the absence of the Lien Release document came to my attention only when I endeavored to proceed with the sale of my property. Subsequent attempts to rectify this oversight through Mr. Cooper 's customer service channels proved fruitless, despite SEVEN chat interactions with NINE customer service representatives, and TWO email correspondences, from XX/XX/XXXX, to XX/XX/XXXX. 

Enclosed, please find a comprehensive record of the unsuccessful chat and email attempts to obtain the requested documents, including copies of all pertinent correspondences ( Paid in Full Letter, and copies of the emails sent to Mr. Cooper ). 

For your reference, here is a timeline of my interactions with Mr. Cooper 's customer service representatives for the past 2 months, including whether the issue was escalated, and when I could expect the Lien Release to be sent to me : - Initial Contact - XXXX, XX/XX/XXXX, within 24-48 hours. 
- XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX, within 4 to 7 business days. 
- XXXX XXXX # XXXX XXXX, XX/XX/XXXX, follow back on XXXX  [ in 2 days ]. 
- XXXX XXXX # XXXX - XXXX and XXXX, XX/XX/XXXX, within XXXX to XXXX business days. 
- XXXX XXXX # XXXX- XXXX, XX/XX/XXXX, XXXX will email within 24 hours. 
- XXXX XXXX # XXXX - XXXX and XXXX, XX/XX/XXXX, issue escalated, within XXXX to XXXX business days. 
- XXXX XXXX # XXXX XXXX, XX/XX/XXXX, issue escalated, within 3 to 5 business days.

Given the prolonged duration of this issue and the lack of resolution despite my persistent efforts, I am reaching out to you for assistance in expediting the issuance of the overdue documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: COLLECTIONS USA, INC.
State: TN

Complaint narrative:
This company is reporting an account with a person that has my same name but different ssn! If this company can not produce accurate proof that my ssn was is tied to this account it needs to be removed ASAP! This is someone elses account reporting on my credit report and ssn! That is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to address the late payments reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. Upon reviewing my report, I noticed discrepancies regarding the late payment records. 

Under the FCRA, Section 611, I request that you investigate these late payments and provide evidence of their accuracy. If you are unable to verify the accuracy of these late payments within 30 days, I kindly ask that they be removed from my credit report, as they are adversely affecting my credit score.

Additionally, I would like to remind you of the requirement under the Fair Debt Collection Practices Act ( FDCPA ) that any debt validation must be provided upon request. Therefore, I request validation of these late payments as per the FDCPA. 

Please consider this letter as a formal dispute of the late payments on my credit report and initiate an investigation promptly. 

Thank you for your attention to this matter.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and NOT accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow a reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts " XXXX XXXX XXXX ; XXXX XXXX XXXX ; " XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX ; " XXXX XXXX  XXXX  XXXX ; " XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; " XXXX XXXX ; are not complete and accurate. 

And XXXX more thing according to 15 USC 1681-s 2 A person shall NOT furnish information relating to a consumer or to any consumer reporting agency if the person knows reasonable cause to believe the information is inaccurate.

Check the comments 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
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I had a XXXX account on my credit report ... and they collector sent me a email saying to settle this debt in full all I need to pay was XXXX, so I paid it and they never ever removed it from my credit and I disputed it three times and XXXX says the debt has not been paid... I have bank statement, email from the collector, and confirmation receipt that it was paid ... and they refuse to change the status as paid, this has been going on for three months... I have no idea whats going on but this world has become full of liars and crooks.. Please look into this.. and if you can do anything to help me I would be very thankful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I received money on Paypal from an unknown person because she is sending it to a person of the same name as me. Paypal app is not smart enough to guide people to the right person. I use Venmo and XXXX as well but have never faced any such issues. I have contacted Paypal but their support is clueless. I changed my Paypal email address as well but no luck. In fact Paypal also charged me {$15.00} for no mistake of mine. The buyer sent me the money and then asked Paypal to refund it. Paypal " ASSUMED and CONCLUDED '' that I am the seller and charged me {$15.00} for the transaction. This is really sad and very unprofessional from Paypal 's side. THIS HAS HAPPENED MANY TIMES NOW AND DOESN'T LOOK LIKE PAYPAL CARES FOR THS INCONVINIENCE CAUSED TO ME. Case number - XXXX XXXX Paypal charged me {$15.00}. How did they conclude that I am the actual seller. I AM NOT. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: EQUIFAX, INC.
State: IN

Complaint narrative:
These difficult queries don't belong to me they should be deleted please help me thank you very much. 
XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These difficult queries don't belong to me they should be deleted please help me thank you very much. 
XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to address the late payments reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. Upon reviewing my report, I noticed discrepancies regarding the late payment records. 

Under the FCRA, Section 611, I request that you investigate these late payments and provide evidence of their accuracy. If you are unable to verify the accuracy of these late payments within 30 days, I kindly ask that they be removed from my credit report, as they are adversely affecting my credit score. 

Additionally, I would like to remind you of the requirement under the Fair Debt Collection Practices Act ( FDCPA ) that any debt validation must be provided upon request. Therefore, I request validation of these late payments as per the FDCPA. 

Please consider this letter as a formal dispute of the late payments on my credit report and initiate an investigation promptly. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to address the late payments reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. Upon reviewing my report, I noticed discrepancies regarding the late payment records. 

Under the FCRA, Section 611, I request that you investigate these late payments and provide evidence of their accuracy. If you are unable to verify the accuracy of these late payments within 30 days, I kindly ask that they be removed from my credit report, as they are adversely affecting my credit score. 

Additionally, I would like to remind you of the requirement under the Fair Debt Collection Practices Act ( FDCPA ) that any debt validation must be provided upon request. Therefore, I request validation of these late payments as per the FDCPA. 

Please consider this letter as a formal dispute of the late payments on my credit report and initiate an investigation promptly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Fraudulent Inquiries have been propounded upon my person. Additional fraudulent inquiries to be included in this FTC and CFPB report are as follows : XX/XX/XXXX > EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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:
I was looking through my credit report and noticed that these accounts are not accurate. They violate USC 1581 s-2. I have attached a copy of my credit report showing the inaccuracies and violations. 


" XXXX XXXX XXXX ; XXXX XXXX XXXX ; " XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; are not complete and accurate.

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