vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative inquiries which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
XX/XX/XXXX I send a Notice of Dispute letter out certified mail # XXXX asking LVNV FUNDING LLC to provide information to support their claim that a debt was owed and proof that they have a valid contract with XXXX XXXX. I have yet to receive any evidence that I owe LVNV FUNDING LLC a debt and for the record I have never contracted with LVNV in association with any services including any debt. They continue to report misleading and false information to the credit bureaus which has affected my credit score tremendously. My next recourse will be to file suite against them for identity theft because I never consented to them using any personal information that could cause harm to me. This is pursuant to 15 U.S. Code 1692g ( b ) and section 809 ( b ) of FDCPA.This includes XXXX XXXX XXXX as well, whom I believe handles some financial aspects of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: GA

Complaint narrative:
Referencing back to ComplaintXXXX TRANSUNION is still failing to reinvestigate for the following accounts XXXX Bank and XXXX XXXX XXXX the amount {$460.00}. I have the right to privacy by law and they do not have my written consent to furnish or report anything outside the permissible purpose. XXXX has removed XXXX Bank from my consumer report on complaint XXXX XXXX XXXX in one of the attachments below due to not having my written consent so I demand TRANSUNION to reinvestigate and remove and block both accounts XXXX BANK AND XXXX FUNDING XXXX I demand for XXXX to comply block and delete XXXX FUNDING because that account came from XXXX BANK that they removed from my consumer report. On XX/XX/2022 I sent XXXX XXXX an affidavit of truth via certified mail of several violations to me as a federally protected consumer and I have yet to receive a response from that. Referencing back to complaint XXXX XXXX XXXX received a cease and desist letter on XX/XX/2022 and should cease all communication including my consumer report which is considered a medium and reporting anything is indirect communication according to the law.

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 2022-06-23 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Referencing back to ComplaintXXXX XXXX is still failing to reinvestigate for the following accounts XXXX Bank and Midland Funding of the amount {$460.00}. I have the right to privacy by law and they do not have my written consent to furnish or report anything outside the permissible purpose. XXXX has removed XXXX Bank from my consumer report on complaint XXXX XXXX XXXX in one of the attachments below due to not having my written consent so I demand XXXX to reinvestigate and remove and block both accounts XXXX XXXX AND MIDLAND FUNDING XXXX I demand for XXXX to comply block and delete MIDLAND FUNDING because that account came from XXXX XXXX  that they removed from my consumer report. On XX/XX/2022 I sent MIDLAND FUNDING an affidavit of truth via certified mail of several violations to me as a federally protected consumer and I have yet to receive a response from that. Referencing back to complaint XXXX MIDLAND FUNDING received a cease and desist letter on XX/XX/2022 and should cease all communication including my consumer report which is considered a medium and reporting anything is indirect communication according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I recently received communication from you attempting to collect the above-listed alleged debt. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification, Validation and proof that this alleged Debt is mine and In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

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 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022, I opened a credit card with USAA. After a hard hit on my credit report, I was approved for a {$24000.00} credit line. On XX/XX/2022, I received and activated my card. Then I proceeded to do a {$5000.00} balance transfer from another bank to my new USAA credit card. I was not able to do the transfer after multiple attempts. I then called USAA Credit Card Department. The representative tried to do the transfer for me and received the same message of " unsuccessful ''. It was suggested that too many attempts had been made. I needed to wait XXXX hours to attempt it again. On XX/XX/XXXX I attempted the transfer again. Once again it was unsuccessful. I then called USAA and they were not able to help me. I waited a few days and failed again. So, I reached out to another rep XXXX XXXX in XXXX XXXX, Texas and she was not able to figure the problem out. I was referred to their Executive Resolution Dept and they could not figure it out. They referred me to their Fraud Department as to which they couldn't figure it out as well. So, after XXXX failed attempts, I closed the card. On XX/XX/XXXX, I reapplied for another credit card and another hard hit against my credit. This time the line of credit dropped to {$4500.00} and not one representative could explain. I was then referred to their CEO Department Relations and spoke with XXXX XXXX. The representative indicated that the drop was probably due to the first hard hit against my credit report and that probably was the reason for the credit line drop on XX/XX/XXXX even though it is USAA 's hard hit. They are having internal issues with their computer system and not one person at USAA can tell my why their system would not do the transfer. So now, I am being penalized for their internal problem for a second hit on my credit report which all stems from USAA internal system. Not one person can help me. I have gone as far as I can for an explanation. I have my homeowners insurance and auto insurance with them. Now I am concerned about their ways to problem solve and will be removing my accounts with them. This just not make common sense and definitely not fair to their consumers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-23 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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:
In accordance with the Fair Credit Reporting act XXXX 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 2022-06-23 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: CA

Complaint narrative:
I have recently obtained a credit report due to my application being denied for a new apartment, upon going over my report I noticed a few derogatory marks, including unauthorized inquires. I have not authorized the items that have been reported. I have done my best to try to fix this with credit repair services, the credit collection companies themselves and still nothing has given. This has become an absolute financial burden as I am a single mom and I have invested all the time and money I could to get this hindering problem away.

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 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
During the pandemic in XXXX, I was XX/XX/XXXX and working XXXX XXXX just to keep up with the necessities of living. I followed their policies to report a financial hardship and given one temporary concession for 2 months, after that, I could not afford the monthly minimum but attempted to pay something toward it. I let them know that I needed help and was told that I have exhausted my one time request. After my account was closed they sent me a letter saying that they would allow me to pay 1/3 of the balance. I did not have it, as I was still XX/XX/XXXX! I had a XXXX credit score before this card account was closed and now it is XXXX. I had no idea that I could complain about this back then so I am submitting a complaint.

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 2022-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Dates : XX/XX/XXXX, XX/XX/XXXX. Company : Nelnet , Inc . 

On Monday ( XX/XX/XXXX ), Nelnet contacted me ( phone call with a follow-up email ) to inform that I may quality for the Public Service Loan Forgiveness program ( PSLF ), encouraging me to apply for this program. On Thursday ( XX/XX/XXXX ), I contacted Nelnet with a few questions about the application. After being directed to a Nelnet PSLF specialist, I was told the following : Only full-time/permanent jobs qualify toward the PSLF program ( seasonal/temporary full-time jobs don't qualify )- If you worked for 5 years and was in the PSLF program and got laid off ( had an involuntary break in your work history ), you would lose those previous 5 years of payments toward the PSLF program - Having breaks in your work history ( layoffs, career break, transitions between jobs ) may disqualify you from this program, even if you currently participate in this program - It is recommended for those with a lot of student loans ( example given : {$100000.00} ) to pursue the PSLF program ; it doesn't make as much sense for those with smaller amounts of student debt to participate in this program

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have a credit freeze with all 3 reporting agencies. 

I applied for a credit card in mid XXXX and unlocked my experian report. This credit card had great offers, so I wanted to apply. My credit is good! I should be able to do this seamslessly. 

I received a call from XXXX on XX/XX/XXXX at the business where I was applying for a credit card, and he told me that my credit report was not yielding him any results, and he believed my credit report was frozen. 

I updated my credit freeze again, to open on XX/XX/XXXX through XX/XX/XXXX. 

I received a call from XXXX again on XX/XX/XXXX and then he called again on XX/XX/XXXX, and he said that my credit report was not yielding him any results, and that my credit was still frozen. He tried again to run my credit while I was on the phone, but he was again unable to yield any results. He suggested I call Experian. Ugh! I made 9 attempts, and was finally able to get a human on the phone. The rep informed me that that my credit report was not frozen, and that XXXX was probably doing something wrong. She asked me to have him try again. 

I emailed XXXX and asked him to try again today, XX/XX/23 with no luck. I confirmed my SSN with him, and it was correct. I am going in circles with Experian with no luck getting my credit report successfully run with XXXX. I have not had this type of issue before I am tired of going in circles. Calling Experian is a daunting task and simply takes hours to get a human on the phone.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative inquiries which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXXL Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-06-23 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: NJ

Complaint narrative:
VICTIM OF Identity Theft XXXX XXXX XXXX XXXX ACCT # XXXX {$500.00}

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 2022-06-23 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:
In accordance with the Fair Credit Reporting Act. The following accounts a-re violating my rights. 
- 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 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 602 A SECTION 2 : IT ALSO STATES A
CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY 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 2022-06-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I turned in a XXXX XXXX lease in XX/XX/XXXX. 

Over the next 3 months, I asked if there were any fees due with turning in the car. In at least 5 instances, I was told no fees were due. 

Now 18 months later, the finance company is threatening to send my account to collections for a {$1200.00} invoice that was just sent to me today.

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 2022-06-23 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 Account # XXXX, XXXX XXXX and XXXX XXXX XXXX have 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 an 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 2022-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently obtained a credit report due to my application being denied for a new apartment, upon going over my report I noticed a few derogatory marks, including unauthorized inquires. I have not authorized the items that have been reported. I have done my best to try to fix this with credit repair services, the credit collection companies themselves and still nothing has given. This has become an absolute financial burden as I am a single mom and I have invested all the time and money I could to get this hindering problem away.

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 2022-06-23 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: CA

Complaint narrative:
I have recently obtained a credit report due to my application being denied for a new apartment, upon going over my report I noticed a few derogatory marks, including unauthorized inquires. I have not authorized the items that have been reported. I have done my best to try to fix this with credit repair services, the credit collection companies themselves and still nothing has given. This has become an absolute financial burden as I am a single mom and I have invested all the time and money I could to get this hindering problem away.

Company response to consumer: Closed with explanation