vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My information was sold and bought illegally because I was a victim of the + Equifax-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that! was in fact a victim of this data breach. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 ( i ) 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; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Portfolio Recovery I hope this letter finds you well. I am writing to bring to your attention an unfortunate incident that occurred in 2017, which has had significant repercussions on my life since then. 

On [ Date ], my purse was stolen, containing all of my important documents, including my identification cards, social security card, and other sensitive information. This incident not only left me without crucial personal belongings but also made me a victim of identity theft. 

Since the theft, I have been diligently working to mitigate the consequences of the identity theft. I have reported the incident to the authorities and have taken necessary steps to protect myself from further harm, such as placing fraud alerts on my credit reports and monitoring any suspicious activities on my accounts. 

However, despite these efforts, the aftermath of identity theft continues to affect me. It has been a challenging journey to restore my identity and regain control over my financial and personal affairs. 

I am reaching out to you in the hope that you may assist me in [ specific assistance needed ]. Any support or guidance you can provide would be greatly appreciated as I continue to navigate through the aftermath of this unfortunate event. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
There are 5 inquiries on my credit report that I did not authorizes and need to be removed. Here are the list of them : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is the creditor company that consistently calls me. When I answer the phone its an automated message and I can not contact anyone to describe what the expense is. They call at least every other day. I dont believe I owe any of this debt. I never got a detailed expense where its from or what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I called the original servicer ( Rushmore Loan Management ) to get a payoff quote. I was directed to call the company 's attorneys " XXXX XXXX ''. I called & emailed the company 's attorneys in XXXX XXXX & again XXXX XXXX ; but haven't received a response. Suddenly a 2nd mortgage account for Nationstar Mortgage, LLC, appears on my credit report. When I tried to call the company listed on XXXX XXXX, their contact number is nonexistent. After doing further research, I found that Nationstar was bought out by Mr. Cooper Group. When I call Mr. Cooper Group I receive an automated recording telling me that I've called the wrong company ; I need to call Rushmore. Call Rushmore & again I'm directed to call their attorneys. Called the attorneys & found out that the firm & Mr. Cooper Group merged in XX/XX/XXXX. Mr. Cooper Group also bought Rushmore 's servicing platform XX/XX/XXXX. I keep getting the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have received an email from TransUnion. I logged in to the site, which I did not remember when I opened, compared to XXXX with wonder what kind of dispute I made to TransUnion, since I had bunch of complaints to XXXX and XXXX. Therefore, I submit this suspicious email to your federal organization. I have checked this TranUnion has activated the fraud alert and extended alert. So far, online, they were activated. I hope there would be more service of security for the safety of identity, because of the numberless experiences of complaints and questions how these credit report companies consider the users ' securities.

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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a 0 % interest credit card to do a balance transfer to help assist following a financial issue. When I called to complete the balance transfer, I was told that I could not transfer the balance from my existing Citi Advantage Card to the new Citi Diamond Preferred card for the 0 % interest. I read through the terms and conditions which were mailed to me which do not indicate that is required to be a balance transfer from different institution. When I further questioned, where it was within the terms and conditions mailed to me with my card, I was advised it was only an internal policy indicates this and it was not in the terms and conditions of the agreement provided. As a customer, I am not privy to your internal policies and only to the terms and conditions provided to me in writing under my name in my card agreement with Citi. This is completely in appropriate to refuse a customer based on an internal policy and not based on my written agreement with Citi, it is discriminatory and bad faith by a financial institution. I was only given broad brush answers that well everyone knows ... .There was no further remediation offered except to close the card which had already pulled and affected my credit. This is not a resolution to something that is the fault of Citi not their customer.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XXXX has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen

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 2024-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On XX/XX/2024 I applied for a commercial auto loan for {$16000.00} at a XXXX dealership and was denied by Ally Bank . I was the personal guarantor for business. According to 12 CFR Part 1002- Equal Credit Opportunity Act regulation B, I can not be discriminated against in ANY aspect of a credit transaction. There are no exceptions or exclusions in this law. I can not denied an extension of my own credit once my SIGNATURE is on an application for credit. There is nothing stated in the law that constitutes " credit worthiness '' in 1007.2 ( a ) Rules concerning extensions of credit. I validate my credit worthiness by stating I am credit worthy by applying for extension of MY credit. NOT the creditor ( Ally Bank ). I demand my application be approved on the basis of my signature on the application. Ally Bank received money from my application being sent to them and running my credit. Furthermore, Ally DID NOT receive written permission from me to run my credit, nor did they notify me in advance that my credit was going to be ran by them which is also another violation.

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 2024-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest compant has charged me more in interest than whats required contractually. Every month I am to be charged between XXXX per month in interest. They have taking a fee of more then XXXX % in interest out of my monthly payment and refusing to correct the account. Resulting and a year of overpayment causing inflation and refused to refund the credit back to account. I have asked and emailed servel times to make adjustments I never missed a payment. Ive always paid more then required as I called XXXX XXXX XXXX to make payment arrangements on XX/XX/XXXX I made a payment of XXXX via debit. I have proof Bridgecrest is lying because of the complacency in Cfpb not fully being involved to bring resolution to victims of companies such as Bridgecrest. Why did you lie on XX/XX/XXXX Consumer Financial Protection Bureau Re : Complaint # XXXX and say I was late on monthly payment and include private information to a federal office knowing that you would be penalized for providing false information. As far as missing payment Bridgecrest employees knowingly refused mailed money order and sent payment back to my home of record in which I have proof that I addressed my concerns before late payment status to include USPS tracking information. Also uploaded. So again what date was my payment late loud and wrong so busy trying to throw someone under the bus to cover your XXXX that Bridgecrest is the one who got exposed. Bridgecrest has lied on a federal level accountability needs to be 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 explanation
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
Inquiries that are not authorized are being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Being accused of an unauthorized money transfer from my savings to my checking account approved by wells fargo to a person that was not me. 

UNAUTHOTIZED APPROVAL GIVEN TO AN UNAUTHORIZED USER OVER THE PHONE TO HAVE ACCESS TO MY BANK ACCOUNT BY WELLS FARGO BANK.

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 2024-02-16 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: CA

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.

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 2024-02-16 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: GA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXX XXXX Account Number:XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX - Account Number:XXXX Please Update all payments, all pay was made on time.

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 2024-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-02-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I put in a previous complaint regarding a disputed charge on my Capital One credit card. I noticed an unauthorized charge and was later credited for the amount, however I havent been able to get clear information on the process of the dispute going forward and the likely outcome, as this is my first time ever opening one. I need to ensure the final result is in my favor since I did not make this transaction. 

Capital One responded to my previous complaint requesting verification information in order to look into the issue. Ive already spoke with a supervisor and confirmed this situation and myself via phone. I need a thorough response provided via CFPB from the company in writing as it seems theyre dancing around a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I incurred around {$5000.00} in student loans when I attended my freshman fall semester at West Virginia University in XXXX. During that semester, I enlisted in the XXXX and took a leave of absence the following semester ( XXXX XXXX XXXX ) to attend Basic Training and Advanced Individual Training. Prior to my departure, I was advised to speak with the XXXX XXXX XXXX XXXX XXXX office and ask them to pause my enrollment so Nelnet didn't think I was dropping out of school and require me to start paying off my student loans. I was assured that everything was taken care of however, my credit report shows delinquent on all of my loans which have impacted my score quite a bit. I opened a dispute through the XXXX XXXX app twice now and both times, the inquiry disappears after a few weeks with no contact or resolution. I have four student loans and at least one delinquency on each.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Credit inquiries from unauthorized sources when I just checked my credit report XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
THE COMPANY XXXX XXXX XXXX IS IN DIRECT VIOLATION AND HARMED MY PUBLIC CONFIDENCE. AS THE AGGRIEVED PARTY THAT HAS RIGHTS TO PAYMENT IN THIS CONSUMER CREDIT TRANSACTION MY SECURITIES WAS SOLD TO A NON-AFFILIATED PARTY WITHOUT MY WRITTEN CONSENT. I AM A NATURAL PERSON AND THE ORIGINAL CREDITOR WITH EQUITABLE RIGHTS ON BEHALF OF THE PRINCIPAL. I REQUEST THIS BE RESOLVED AND FIXED IN 10 DAYS PLEASE SEE ATTACHED FILES

Company response to consumer: Closed with explanation