vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
First and foremost, I do not believe Rocket Mortgage had any intentions of providing the loan for my property purchase due to continued hurdles to stall the closing date. 
1. I applied for a mortgage loan online with Rocket Mortgage around XX/XX/XXXX. 
2. I submitted all income, assets and expenses requested and completed my XXXX & XXXX as instructed and submitted proof of funds to close. ( List of Documents submitted available ). 
3. I paid the honest money to the title company ( twice ) due to the sellers willing to accept a XXXX purchase order after continued efforts by Rocket Mortgage to stall the loan and changing the closing date repeatedly per issuance of a " Conditional Closing Dates ''.

4. Continued hits on my credit to drive my score down.

5. Continued inclusion of team members handling my file and information, bringing only more requests and no solutions.

6. The latest request of obtaining a co-signer for this purchase is out of character.

7. I do not want to continue this process with them, I simply want a refund of my {$500.00} paid to for the appraisal of which I can't use and the {$2000.00} honest money paid to the sellers ( if they are not willing to refund my honest money ) due to the exhausting delays by Rocket Mortgage. And compensation for my realtor for the time spent trying working this case with me and the contractor paid to do a preliminary inspection of the unit.

8. Also, I want refunded to me the interest cost of having funds transferred from my XXXX account to my checking in preparation of the promised closing date ( available funds to collect by XXXX ). 
8. Today, I'm sending a email reply to XXXX to cancel the application due to my belief that they have no intentions of approving this loan ( unsubstantiated ). 
9. This have been a very exhausting, wasteful, expensive, time consuming, harassing process which leaves a " XXXX XXXX '' on me and for Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently just looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also have attached evidence. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B.

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 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
Consumer Dispute Letter to CFPB Regarding Jefferson Capital XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX Iowa XXXX XXXX : Dispute of Debt Collection Attempt by Jefferson Capital LLC Dear CFPB, This letter serves as a formal complaint against Jefferson Capital LLC regarding their attempt to collect a debt I allegedly owe. I am disputing all debts they are trying to collect from me. 
Dispute of Debt I am disputing any and all claims that I owe a debt to Jefferson Capital LLC. I request debt validation as outlined in the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) XXXX XXXX XXXX XXXX XXXX This includes a clear breakdown of the debt, the original creditor, and the date the debt was allegedly incurred. 
Documentation Request To further investigate this matter, I request the following documentation from Jefferson Capital LLC : A copy of the original purchase agreement between myself and the original creditor. 
Proof that Jefferson Capital LLC is a bonded and licensed debt collector in my state. 
Communication Revocation I am revoking all consent for Jefferson Capital LLC to communicate with me via phone calls, text messages, or emails except to confirm receipt of this letter and to validate the debt, as required by the FDCPA. All future communication must be done in writing and sent to the address listed above. 
Potential Violations It has come to my attention that Jefferson Capital LLC may have violated the FDCPA in the following ways : Failing to provide debt validation information within the required timeframe XXXX XXXX XXXX XXXX XXXX 
Placing a collection on my credit report without giving me the opportunity to dispute it ( XXXX XXXX XXXXXXXX ). 
Engaging in false, misleading, or deceptive practices. 
Furnishing inaccurate information to credit reporting agencies. 
I believe Jefferson Capital LLC 's actions violate the FDCPA Sections 807 ( b ), 809 ( a ) ( 4 ), and 806 XXXX XXXX XXXX XXXX XXXX 
Request for Investigation I urge the CFPB to investigate these potential violations by Jefferson Capital LLC and take appropriate action to ensure they comply with the FDCPA. I request that you contact me with any updates or require further information from me. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Louisiana XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: NC

Complaint narrative:
XXXX XXXX XXXX added a late payment to my account on my credit report that was absolutely incorrect 15 USC 1666B -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXXk XXXX XXXX added a late payment to my account on my credit report that was absolutely incorrect 15 USC 1666B -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: AL

Complaint narrative:
Debt has been written off and sold to another company without my permission or wet signature. Please provide my wet signature and any signed documents within 30 days or delete from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: CA

Complaint narrative:
I have been a victim of Identity theft, I saw an incorrect inquiry on my TransUnion from XXXX XXXX XXXX XXXX, So I called my bank XXXX XXXX XXXX XXXX to confirm that I have no application on file and they confirmed no application on file so when I called Trans Union XX/XX/year> I spoke with Marry, I stated I would like to dispute this inquiry and was told that I am NOT allowed to do so. XXXX XXXX told me they would not send me a letter because there is no application, and to contact TransUnion dispute it and they will respond, XXXX who refused to provide any employee ID # said she would NOT take my dispute information. I feel I was clearly not allowed my right to dispute incorrect information on my file. XXXX XXXX is my bank and if they say I do NOT have an application on file why can XXXX and TransUnion refuse my right to dispute incorrect information on my credit file?

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I sent a letter to XXXX XXXX because they violated my rights by inaccurately reporting my late payment

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 2024-07-21 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Midland Credit management XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and incomplete reporting of credit accounts on my credit report by XXXX. The following accounts are listed on my credit report as unpaid, despite my making timely payments from XXXX to XX/XX/XXXX : XXXX  {$1100.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$6000.00} Specific Allegations : Inaccurate reporting : The accounts listed above are reported as unpaid on my credit report, despite me making timely payments from XXXX to XX/XX/XXXX. 
Failure to update credit report : XXXX has failed to update my credit report to reflect the accurate payment history of these accounts. 
Violation of Fair Credit Reporting Act ( FCRA ) : XXXX has violated the FCRA by reporting inaccurate information on my 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 non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
Cash app Complaint number : XXXX ( Screen record of a XXXX $ transfer attached to show exactly what XXXX  app did and the notifications given and not given for verification of complaint below. ) XX/XX/XXXX I set up a transfer of XXXX from my XXXXp account to my XXXX XXXX Bank Account XXXX My XXXX XXXX bank account & routing number were imputed earlier for transfer. Notice window popped up and said it would take a few days to complete transfer for no fee. Next window popped up and said for a XXXX $ fee they could instantly complete transfer to my XXXX Bank account for XXXX $ fee. I clicked the button to pay the fee and have funds transferred instantly and next window popped up and said " Your transfer to your Regions Account is XXXX. ''?????? Regions? I had a regions debit card on file with cashapp but I authorized transfer to XXXX XXXX Bank XXXX I called cash app twice and requested a refund of my XXXX $ for the transfer fee and let them know they did an unauthorized transfer since I did not agree to transfer to regions account. Twice I was put on hold and then told they would not refund the XXXX XXXX They said they sent it to my regions account since that was the debit card they had on file. Once again I told them I didn't authorize money being sent to that account, told them their app said XXXX $ complete transfer to XXXX Bank and they had my account and routing info on file. They informed me that they sent it to Regions account since the didn't have XXXX XXXX debit card on file and they had the Regions debit card info. The Cash app did not prompt me to add a Stride / chime debt card to complete transfer. They just did it without permission, told me oh well their was nothing they can do and would not refund my XXXX $ transfer fee and XXXX guy even just hung up on me. I would have added my Stride /chime card if prompted happily. However for a XXXX to transfer money to a account I didn't agree to " cuz that the card we had on file. '' Is not ok. Let alone charge me for the transfer and then tell me I'm out of luck is arrogant, dismissive and it seems pretty illegal. If it's not illegal, who do I call because it's a issue. I trusted them with my funds. 

XXXX XXXX  Complaint number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and incomplete reporting of credit accounts on my credit report by XXXX. The following accounts are listed on my credit report as unpaid, despite my making timely payments from XXXX to XX/XX/XXXX : XXXX {$1100.00} XXXX {$2000.00} XXXX  {$3500.00} XXXX XXXX$6000.00} Specific Allegations : Inaccurate reporting : The accounts listed above are reported as unpaid on my credit report, despite me making timely payments from XXXX to XX/XX/XXXX. 
Failure to update credit report : XXXX has failed to update my credit report to reflect the accurate payment history of these accounts. 
Violation of Fair Credit Reporting Act ( FCRA ) : XXXX has violated the FCRA by reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and incomplete reporting of credit accounts on my credit report by XXXX. The following accounts are listed on my credit report as unpaid, despite my making timely payments from XXXX to XX/XX/XXXX : XXXX {$1100.00} XXXX {$2000.00} XXXX {$3500.00} XXXX  {$6000.00} Specific Allegations : Inaccurate reporting : The accounts listed above are reported as unpaid on my credit report, despite me making timely payments from XXXX to XX/XX/XXXX. 
Failure to update credit report : XXXX has failed to update my credit report to reflect the accurate payment history of these accounts. 
Violation of Fair Credit Reporting Act ( FCRA ) : XXXX has violated the FCRA by reporting inaccurate information on my 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