vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-11 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper has sent confusing and incorrect statements and registered me late when I have paid my bill on time. Sending proof. There are several class actions suits against this company including NationStar with too many addresses to communicate with ( 7 ) and email address ( 3 ). We have emailed, uploaded, called, and even retained an attorney but they continue to send misinformation and report us late. I have NEVER been late on a mortgage on any of my homes and I am XXXX years old. 
I have proof of THREE coupons within 30 days with THREE different amounts requested from Mr Cooper. 
I have proof of the letter they sent saying NOTHING with my payment/mortgage would change and to pay {$1300.00} which I did- but they registered that late even though their website was not working XXXX XXXX. 
I told them I PAID insurance and taxes ( and again uploaded and emailed receipts ) and want out of escrow due to their continued confusion and they said no because I was late in my first payment which I wasn't. I am attaching proof of payment, and their confusing correspondence. My credit needs repaired/corrected IMMEDIATELY as it has dropped from XXXX XXXX XXXX due to their mis-management of my account. 
The letter that they sent to you responding to this complaint is again inaccurate on many issues, Please report them and fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: NH

Complaint narrative:
After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with multiple accounts listed under DEPT OF EDUCATIONXXXX. A verification of debt letter falling within my rights under Title 609 of the Fair Credit Reporting Act, as these were accounts that I did not recognize. This letter was sent via certified mail on XX/XX/2022. In the letter, it was stated As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my wet ink signature. USPS records show it was received by Experian on XX/XX/2022. I received a correspondence from Experian dated XX/XX/XXXX, stating the debts in which I asked for verification were Updated. Not verified as per my request and right under title 609 of the FCRA, updated with no proof of original documentation containing my wet ink signature. 

Therefore, a second verification letter was sent via certified mail on XX/XX/2022. USPS records show it was received by Experian on XX/XX/2022. In this letter, it stated that In accordance with FCRA, Section 611, I am requesting the following information to review for completeness and accuracy and appropriateness. Please send the following information used to verify the above referenced matters. I received a correspondence from Experian dated XX/XX/XXXX, stating the debts in which I asked for verification were still Updated. Not verified as per my initial request and right under title 609 of the FCRA, as well as under title 611 of the FCRA. Experian continued the claim that the purported debt was Updated with no proof of original documentation containing my wet ink signature, and the person 's name they updated the dispute with. 

Due to blatant failure to verify this debt with the original instrument of indebtedness along with the person 's name they verified the dispute with, they have clearly infringed upon my consumer rights under Title 609 and Title 611 of the Fair Credit Reporting Act. This account does belong to me, nor does Experian have the authorization to continue reporting an unverified debt to my Experian Consumer Report. 

I am asking to have all accounts listed under the name DEPT OF EDUCATIONXXXX be striked and removed from my Experian Consumer Report, or be reported as Closed, paid as agreed to my Experian Consumer 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 2022-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
It is about a XXXX XXXX {$50.00} card that was gifted to my daughter on her XXXX birthday, XX/XX/XXXX. 

Like all the gift cards i received for her birthday, i kept it until she may decide on what to use it for. 

When we tried using the card more than 2 yrs ago ( during the lockdown ) it won't work. I called XXXX ( XXXX ) XXXX at least 3x, i was just told that they can't do anything anymore. 

I didn't even activated that mastercard debit card. Expiration is 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 2022-09-11 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: MI

Complaint narrative:
Equifax failed to remove fraudulent Items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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:
In accordance with the Fair Credit Reporting act 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

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 2022-09-11 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I got a buy out quote around XXXX & paid off my lease XX/XX/22. Kia requested an odometer form which I submitted. A week after they requested a tax form that they would mail. I signed it & submitted it XX/XX/22. I called & they said everything was received around XX/XX/22 & in their system. I called again in XXXX & they said they didn't have the odometer statement, I said I submitted it online, & then they found it. I called early XXXX and they told me their title department is short staffed & I'm one of many waiting for my title. They offered to escalate the situation. I called again in XXXX & they told me the system showed everything was received & it waiting to be reviewed/processed. I was told the same again the next time I called. After this every time I called I asked to speak with a supervisor. They would say they can't find my tax form but in the system it says it was received, being reviewed & their title department is short staffed. Online it states once you send in your buyout quote, complete odometer & tax form it takes 20 business days. By XXXX I was frustrated and seeking answers, no one could give them. I asked about compensation for the delay as my husband died in XXXX, I'm a single mom of XXXX kids and need to sell the car they are holding the title hostage. By XXXX I am only speaking to supervisors which take my number & say they call with an update in a week & never do. Finally XXXX one supervisor asked if I had a copy of the tax form I had submitted & I did. She asked that I email it to them. On XX/XX/22 someone calls saying i put the wrong VIN # on the tax document. I told them I did not fill out the tax document, Kia finance completed & mailed to me, & said a supervisor would call me. No one did so I called & when they issued a corrected form it had the wrong VIN again so they submitted to a department to fix. I have received no call back, no compensation, & no title. All delays and errors have been made by Kia & I've lost thousands of dollars.

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 2022-09-11 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: CT

Complaint narrative:
EQUIFAX is in FEDERAL VIOLATIONs as well as in violation against their own Private Date Sharing Policy. EQUIFAX is in violation under 15 USC 1681b for furnishing a consumer report on my behalf the original creditor WITHOUT MY WRITTEN CONCENT. Under the GRAM LEACH BLILEY ACT EQUIFAX IS A FINANCIAL INSTITUTION so there for fall under 15 USC 6802 and 6821. I demanded EQUIFAX to respect my right to privacy and opt out of there improper reporting of the given accounts and demanded EQUIFAX to show me where I have given them CONSENT as stated in their Privacy policy to furnish on and if they could not they MUST DELETE demanded accounts. EQUIFAX HAS NOT PROVIDED THAT REQUESTED INFORMATION. EQUIFAX is in federal violation under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent use of my credit card to furnish a fraudulent report without my consent and committing IDENTITY FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I did not authorize the inquiries below and have done my best to resolve with the company and credit bureau. 

XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. 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

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 2022-09-11 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: AZ

Complaint narrative:
I have tried to fix this situation with all 3 credit bureaus. I have been a victim of identity fraud my identity has been found on the dark web and XXXX data breach. This has affected me from purchasing a home for my kids and providing a better life. 
According to the ( section code 15 U.S. Code 1681 b Permissible purpose of consumer reports ), violation of consumer privacy act. the law prohibits any fraudulent accounts from being reported on my account I demand immediate removal.

failure to do so i will execute my ( consumer rights code 12 U.S. Code 5533 consumer rights ).

The following account are fraudulent accounts I demand immediate removal. 
XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX Following Inquires were not authorized by me : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXXXXXX, account # 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

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 2022-09-11 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:
In accordance with the Fair Credit Reporting act 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

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 2022-09-11 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. has violated my rights. XXXX5 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Transunion on several times telling them that someone has taken my personal information and has been attempting to open accounts for the following companies 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. They keep transferring me and hanging up the phone this is so hard to attempt to get my credit report to show the correct information.

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 2022-09-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-09-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As of XX/XX/2022 without prior notice in writing to me, consumer ; I am not 100 % percent sure if this account belongs to me. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Equifax and XXXX XXXX XXXX are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, account # # # XXXX alleging {$13000.00} is owed, the account must be deleted. I want this account deleted if it not 100 percent right, verified, validated and correct. By law you have 30 days to complete this investigation. Said investigation must have proof of contract, with my wet ink signature to include proof showing a power of attorney that I granted XXXX XXXX XXXX consent to share my personal information to third party debt collectors and XXXX XXXX XXXX. 

Account Name : INDIVIDUAL ACCOUNT Account Number : # # # XXXX Please investigate every piece of information for this account. If it's not accurate, please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland credit has been calling me several times a week for about a year now. I tell them all the time to stop calling me. I paid off some my debt and cant afford to pay anymore at this time. They are still constantly calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I did not authorize the inquiries below and have done my best to resolve with the company and credit bureau. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Processing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion

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 2022-09-11 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I did not authorize the inquiries below and have done my best to resolve with the company and credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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 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 2022-09-11 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: TN

Complaint narrative:
I have several address account that are due to identity theft and I have filed a report after constantly trying to get you all to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: TN

Complaint narrative:
I have several address account that are due to identity theft and I have filed a report after constantly trying to get you all to correct 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 non-monetary relief