vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 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: TX

Complaint narrative:
I received the following reply for CFPB Complaint # XXXX This complaint lists someone the company does not recognize as their customer or their customers authorized representative. Experians reply didnt make sense and was in error for that reply. Thus, I am resending the following complaint again -- -- -- - Experian is political like Washington and believes the American public isnt smart enough to know all of the attorney games. Experian is scared and following the guidelines of a typical game playing attorney who is out to lunch like the other attorneys running Washington into the ground. I couldnt work for Experian because I have much pride and self-respect. On Complaint # XXXX, I complained -- Experian gave my credit report to XXXX  XXXX XXXX XXXX on XX/XX/2017 without my permissible permission. It was used for a fraudulent loan but that is not the issue today. The issue is I did not give permissible permission for Experian to send out my personal information. Experian has repeatedly over the past 4+ years forwarded the complaint to XXXX XXXX XXXX XXXX who simply denies. However, Experian has accountability just like XXXX XXXX XXXX XXXX. I requested Experian research the permissible permission used by their client, XXXX XXXX XXXX XXXX. Send me what XXXX XXXX used to access my credit report from Experian because they didn't have my permissible permission and send this to me. This complaint is directed solely to Experian because they are holder of my information and released my information without my permission. Again, Experian needs to send explanation of why my information was sent without my permission. Experian replied - We've sent your complaint to the company, and we will let you know when they respond. And then replied - This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. Same rhetoric for the last 4 years to play games. This is totally unacceptable and I will continue to repeat myself. Experian has the responsibility to release my information only with my permission. Where is the permissible permission? I have yet to receive.

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 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Newman & Marquez, P.A.
State: FL

Complaint narrative:
I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2021 and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 



XXXX XXXX {$1000.00} Balance updated XX/XX/2021 XXXX. XXXX, XXXX {$2300.00} XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX  {$970.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: FL

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. F.C.R.A. violation, removed and re-inserted and did not inform me. 

XXXX XXXX Reported : XX/XX/XXXX There are no contracts, no valid claim... account was settled with original creditor, never late or went into collections Grave errorsfalse claims and reportingI want this account removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After I reviewed my credit report, i notice that capital one has an late payment on my credit report XX/XX/2020. I write to the " person '' in regards to having that late payment removed from my report. Capital One return a response letter informing me that they were unable to remove the late payment. I contacted then on numerous time to speak with someone about my account but they would not assist me at all. I had inform them that congress tell us in 15USC1681a 2a1 that report containing information solely as to transactions or experiences between the consumer and the person making the report. Where does late payments come from? All I'm asking is for them to remove the late payment from my credit report and update my credit report, knowing that this is a congress law and I'm fighting for my consumer rights they are breaking the law and I would like them investigated. As a result I requesting for all negative items removes from my capital one account and mu credit report to updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid 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: SC

Complaint narrative:
American Express offered a XXXX point bonus for new applicants of XXXX credit cards who spent {$4000.00} in the first 6 months. This bonus offer language was on their website, all the reviews from various media, and was also the same offer listed when I logged into my individual AmEx online account. I opened a XXXX credit card account on XX/XX/XXXX, and did not see any notifications of a different offer than the one listed of {$4000.00} in spending in 6 months. I spent {$4100.00} with my AmEx XXXX card between XX/XX/XXXX and XX/XX/XXXX. I received {$170.00} as cash back rewards for some of my purchases, so I made sure that my XXXX XXXX after rewards was over {$4000.00}. When I contacted AmEx about my missing bonus, I was told that they do " dynamic offers '' and they changed my offer to 3 months of spending instead of the 6 months that was advertised. I was not notified of this change. I saved the 2 emails I received from AmEx when I opened my account on XX/XX/XXXX, and neither mention a change in the promotion that I was offered. Since XX/XX/XXXX, I have contacted AmEx several times to request the XXXX membership points. I also provided them with the offer details that I retrieved from the AmEx website and 2 of the reviews of the offer from the time period I applied to my account. I would like to receive the XXXX membership points that I should have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: TX

Complaint narrative:
You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. I sent XXXX XXXX, Equifax and XXXX all my FTC report back on XX/XX/XXXX and havent received any response Under the FRCA they had to block information from my CONSUMER report and FAILED TO DO SO within the 4 days of receiving my letter. I have over 30 INQUIRIES WHICH I DID NOT Commit nor gave my authorization so they are unauthorize!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Access Receivables of NC Inc.
State: GA

Complaint narrative:
I have sent this company several letters asking them to verify the debt they claim that I owe. I have yet to get a response back from this company. I have attached the letters sent to this company. This company is in clear violation of 15 USC 1692g Sec. 809 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Had a mortgage with Mr. Cooper for 15 years. I was approved for a forbearance plan in XXXX, XXXX, as I was unemployed during Covid. I was initially approved for 6 months initially, and then received 2, 3 month extensions. On XX/XX/XXXX, they claimed I requested to be taken off forbearance. They did not produce an written document, and/or verbal/email as I was still unemployed and never requested. I then got them to reinstate me XX/XX/XXXX. I then sold home and paid of entire Mortgage in XXXX, the next month. I have a {$0.00} balance with Mr. Cooper. However, in applying for my next mortgage, the underwriters stated Mr. Cooper claims I " ... did not make my XXXX payment while under forbearance ''. This defies logic as I did not pay any payments during those 12 months. Even if I did not " pay '' XXXX as they claim, it would have been classified a late payment since I paid entire mortgage in XXXX. While credit companys do not show this on their records, XXXX XXXX and Mr. Cooper do and its preventing me from obtaining another mortgage. Mr. Cooper refuses to help despite many calls and emails. I even submitted a XXXX report on this and yet, no action taken by Mr. Cooper to correct. I need your help! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
On XX/XX/2021 I applied for a credit card by granting the extension of my credit to Apple Credit Card so that I could in turn use the credit card for educational purposes. However, the company denied me at the end of the application process and advised me that " Unfortunately, Goldman Sachs Bank USA is not able to approve your application right now. '' I received an email from them telling me that this decision was based upon the inaccurate and unverifiable information reported on my credit report. Specifically, due to 1 ) Serious delinquency and public record or collection filed 2 ) Time since delinquency is too recent or unknown 3 ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. And may I add that this information they received from the credit report they pulled and made their decision based off of is overloaded with inaccurate and un-validated adverse acting information. So you mean to tell me that you didn't even bother with conducting a full investigation upon the information you obtained in regards to the credit worthiness of my application? That is deceptive practices. Now, not only did this company benefit from my consumer credit due to a credit transaction but they also violated me and ran off with their benefit and left me XXXX out with no benefit at all. Like, they literally ran off on the plug on a good sis. This is wild crazy! I was violated and I can literally physically and mentally fell the violations, because I am HURT okay! 

Moving forward this company is in violation pursuant to 15 USC 691 Equal Credit Opportunity Act and regulation B pursuant to 12 CFR 1002.4 ; ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

As the applicant I applied in accordance with the creditor 's procedures and they in return refused to extend the terms of the business that is a violation and they are not within regulated compliance pursuant to 12 CFR 1002.2 Their adverse action is not within compliance of the CFPB Their adverse action is not within compliance of the ECOA Their adverse action is not within compliance of my consumer rights and do not agree with the company response. Only one side received benefits from this consumer credit transaction and it was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: AK

Complaint narrative:
I began monitoring my credit in XXXX, after the experian leak and other issues, so trying to rebuild my credit. on XX/XX/XXXX, I made a dispute with Experian noting some addresses that were no longer associated with me. I have no outstanding debts or other reports from those addresses so I wanted them removed. I reported them and asked that they be deleted because they are not my address, and I noticed today that they are still listed. The report of my dispute just says they were updated.

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 2021-11-06 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: TX

Complaint narrative:
You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. I sent Trans Union, XXXX and XXXX all my FTC report back on XX/XX/XXXX and havent received any response Under the FRCA they had to block information from my CONSUMER report and FAILED TO DO SO within the 4 days of receiving my letter. I have over 30 INQUIRIES WHICH I DID NOT Commit nor gave my authorization so they are unauthorize!

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 2021-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was issued an active XXXX XXXX  rewards credit card through Wells Fargo Bank, which I never applied for. 

This credit card was delivered in the mail the week of XX/XX/2021. 

I did not contact XXXX XXXX to open a credit card account as I do not shop there nor will I in the future. 

This is a deceptive act on behalf of Wells Fargo and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 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: DC

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit
State: FL

Complaint narrative:
Dear sir/madam I am trying to file a complaint regarding a leased car. I had an incident on XX/XX/2021, I got a flat tire, i hit a curb and 5 of my airbags deployed.I tried to file a claim with my insurance company assuming i was covered, and I was informed that I do not have collision coverage on my vehicle, therefore they can not do anything about that. I obtained the insurance requirements from Volkswagen Credit and the requirements are completely different from what the insurance company issued. Even though my insurance did not meet the requirements of Volkswagen Credit, VW Credit still accepted it and the car dealer issued the car. In a normal situation, the procedure would be to force place insurance on the vehicle since mine was not sufficient, and I should have been informed by letter and a phone call regarding the force placed insurance. None of that happened, and i called the financial institution and they confirmed that no insurance was force-placed nor was i notified via letter or a phonecall. Wherever I call now, they tell me that they can not do anything about this. I have copies of the lease contract, the insurance requirements and my insurances declaration page. I contacted several government agencies, and because it's a delicate situation, they didn't know what to do. 
I dont know what my next step should be, I tried all available routes to no avail. 

Hoping to hear from you soon thank you regards XXXX XXXX

Company response to consumer: Closed with explanation