vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to FCRA laws if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2022-12-12 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX reported XXXX  XXXX XXXX and XXXX XXXX dollars in student loans under my name. Some of these loans were transferred from the old servicer XXXX XXXX XXXX XXXX XXXX to XXXX XXXX. The resulting reporting dropped my credit score XXXX points. I am disputing the accounts and " reported inaccurately '' and " monthly payment obligation on account incorrect. '' The accounts should be listed " Account in Dispute '' and a remark should be placed on each student loan listed as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I disputed this Ashley XXXX  account from Ashely Furniture XXXX XXXX  more than two months ago with Synchrony Bank, and it was cleared off my credit report to a XXXX balance which is what is should be. I purchased a mattress from Ashely Furniture on XX/XX/2022. The mattress was and became deemed defective by Ashley 's Furniture  Corporate office in XXXXXXXX XXXX XXXXn XXXX of XXXX. Ashely Furniture then in XX/XX/2022 sent me a new Exchange order to replace the defective mattress. There mattress people came into my place with a new mattress " Had me sign for the new mattress and then left with the new mattress '', they never even took the defective more than 2 inch deep hole mattress back Ashely Furniture  already deemed defective themselves. The mattress was no good, it sinks and it just defective! I know longer want to do business with Ashely Furniture Store. My account was current and paid in full via XXXX up until XXXX when a balance was then added back which should not be to my credit report, my balance was XXXX for the last few months and account was paid in full.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # 1903, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Opened XXXX XX/XX/XXXX I still do not have a resolution from Mr Cooper. 

I am victim of the XXXX XXXX. My home is under construction. My builder invoices on a monthly basis, per his contract. Mr Cooper will only disburse funds 'quarterly. ' I am unable to pay my builder as I do not have this kind of cash/savings. On XX/XX/XXXX, I requested that Mr Cooper make an exception to accommodate my builder 's contract. I am requesting that the answer be provided by end of week, week ending XX/XX/XXXX. 

I have phoned the company XXXX times, and each time I am given a different deadline. Today I was told it would be 15 days from XX/XX/XXXX, while on XX/XX/XXXX I was told it would be XXXX days. 

The impact of not receiving these funds in a timely manner is that I am unable to move forward in the rebuild and refurnish of my new home. 

Please assist in not only getting me the answer but in getting the disbursements released on a monthly basis until completion of the build. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MO

Complaint narrative:
I was denied an extension of credit from Discover which is unlawful and a violation of my consumer rights in accordance to : 15 U.S. Code 1681b ( 3 ) ( a ) - Permissible purposes of consumer reports, ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 12 CFR 1002.4 General rules.

( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction.

15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.

16 CFR 433.1 Electronic Code of Federal Regulations ( e-CFR ) Title 16 - Commercial Practices CHAPTER I - FEDERAL TRADE COMMISSION SUBCHAPTER D - TRADE REGULATION RULES PART 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES 433.1 Definitions. 
( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to FCRA laws if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2022-12-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I started a complaint with the CFPB already about XXXX. The reference number for the original complaint is : XXXX I received another stall letter from XXXX today in the mail and it is attached to this message. XXXX is stalling and not investigating my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I started a complaint with the CFPB already about XXXX. The reference number for the original complaint is : XXXX I received another stall letter from XXXX today in the mail and it is attached to this message. XXXX is stalling and not investigating my complaints.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
My information might have been impacted by the XXXX data breach and may have got into the wrong hands. I have applied for a car back in XXXX of 2022 through XXXX XXXX " only '' and now I have multiple hard inquiries on my XXXX, XXXX and XXXX 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 explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: VA

Complaint narrative:
My information might have been impacted by the XXXX data breach and may have got into the wrong hands. I have applied for a car back in XXXX of 2022 through XXXX XXXX " only '' and now I have multiple hard inquiries on my XXXX, XXXX and XXXX 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 explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to FCRA laws if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$9500.00} I have had accounts been disputing this with XXXX XXXX daughter who gets away with uisng the name XXXX has opened account while I had XXXX XXXX She had access to my personal accounts. Please provide signatures on credit card/loan or what ever this- XXXX XX/XX/XXXX {$6000.00} / {$4700.00} negotiated for payoff I was given this info constantly dispute these items for years now unacceptable I pay my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Collection will not respond to my letter nor my phone calls. They removed debt from my XXXX then later added to my XXXX and XXXX. This is a false debt which they will not validate the debt. The have 2 collections on my credit report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # 1903, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/15, I called the company to close a credit card account with them. They received my closing information and closed the account. I then just sent them a message today and they still have not reported it to the credit bureau nearly 4 months later. Recently with a separate credit card with this company they did the same thing and didn't report my updated balance for months. I filed a complaint with CFPB and they finally updated it. 

Each time they are saying that they " updated their systems '' and they have not reported any and will not till their internal processes are complete. It's not my problem that the company is updating their systems. I want my account that I closed with them to be reported correctly to the credit bureaus ' that's all I'm asking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV I DO NOT OWE THEM ANYTHING PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Sezzle Inc.
State: CA

Complaint narrative:
On XXXX XXXX I received a text message from Sezzle indicating that an order was not approved because my account was maxed out. When I immediately logged into the Sezzle mobile app I looked in the orders section and discovered XXXX transactions from XXXX  that I had not placed. I immediately locked my Sezzle virtual card and reported the XXXX transactions as fraud to Sezzle. On Monday XX/XX/2022 I received an email from Sezzle stating that I had a refund in the amount of {$200.00} coming to me. On XX/XX/XXXX I also received XXXX additional orders XXXX in the amount of {$100.00} and the other order was for {$100.00} dollars again from XXXX. I would like Sezzle to give me case number for my fraud claim as well as a contact phone number so that my financial institutions can conduct their chargeback investigations. I was forced to utilize chargebacks for these orders as Sezzle not only collected the first payments for these transactions but also continued to try and collect the other XXXX payments for each of these transactions prior to finalizing their fraud investigation in total Sezzle attempted to collect {$1300.00} for the XXXX fraudulent transactions from XX/XX/XXXX and XX/XX/XXXX. I have tried numerous times to get information from XXXX and they would only tell me that the transactions appear to be made in person. I was at my home on XX/XX/XXXX with my wife and child and at work on XX/XX/XXXX, neither XXXX nor Sezzle want to provide a city or XXXX where the transactions occurred. At the time of the orders being placed I had my Sezzle card attached to my XXXX account, when I checked my in person and online purchase history the XXXX orders do not appear. I have reached out to XXXX to get copies of the receipts for the XXXX transactions that Sezzle shows sent to me and they have not produced copies of the receipts for the transactions that Sezzle shows. I have XXXX orders that were placed prior to XX/XX/XXXX that my financial institution has been informed to cancel the chargeback that they inadvertently processed for those orders. Please note this company refuses to provide any information on my fraud case that I initiated on XX/XX/XXXX. There are XXXX transactions for {$100.00} total, XXXX transaction for {$100.00}, and XXXX transaction for {$200.00} dollars all of the orders were placed within a XXXX minute span of time as far as I can tell with the confirmation emails sent by Sezzle for each transaction. This company XXXX also use the term friendly fraud which is not the case here My phone is always in my possession and no one except me and Sezzle staff have my virtual card number. It should also be noted I have not left the state of California in the past 90 days. I suspect that my case is easy to solve once Sezzle or XXXX produce receipts or the location of where the orders were placed.

Company response to consumer: Closed with explanation