vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: RI

Complaint narrative:
These accounts are paid in full and please reflect paid in full {$0.00} Balance Dept of Ed/XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, notified me on XX/XX/2022 about an alleged debt. According to Title 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of their fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. 

XXXX XXXX XXXX XXXX and its agents harassed me for an alleged that that was not even validated. Shared statements as well as a copy of a consumer contracts as evidence of the day, but as per the judgment in the case of XXXX XXXX XXXX XXXX XXXX a copy of the consumer contract is not sufficient evidence of debt. Due to their continuous act of deceit, coercion, and intimidation I have suffered XXXX stress and XXXX. 

According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately.

This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If they do not cease communication a lawsuit will be commenced against them. 

XXXX XXXX XXXX XXXX and LVNV Funding LLC HAVE FALSELY REPORTED INFORMATION THAT RESULTED IN DEFAMATION OF MY CHARACTER. Further, they have created a deceptive form that made creditors and employers believe that I was in debt, though they could not prove its validity. If the debts were valid, they created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, both XXXX XXXX XXXX XXXX and LVNV Funding LLC are liable according to Title 15 USC 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Huntington Bank has been the worst customer experience I have ever had. It's ridiculous that a bank of their size doesn't have the appropriate SOPs to vet or assist a new customer. They froze my account because they expected fraud which some people I spoke to said it wasn't and other people said it was. They shut down my online banking account, cashed my check, held my funds and now are saying they are deciding to close the account because it is a risk, however, they won't give my money. They said they can't get a hold of the issuing bank which is crazy. I okay with closing the account because I don't want to do business with a bank like this but I need you to release my funds. Asking me to get some documentation from the issuing bank doesn't make sense because I didn't need that for you to cash my check. Give me my money and we can part ways. You have already caused bills not to be paid and late payment fees that I have encountered. I will be contacting the CFPB, XXXX, OCC and whoever else until you give me my money back as soon as possible. This is my hard earned money and you can't hold it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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
Consumer complaint received 2022-10-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit score dropped XXXX points on experian, and when I checked XXXX it dropped there too. I have missed zero payments, I have not been late, and I can not understand how my credit score dropped. I believe this is because I went on a temporary payment reduction plan with XXXX XXXX XXXX XXXX, from where I have a loan. I agreed to a temporary reduction plan for 3 months until I became employed again, this was a plan they agreed to as well. I called XXXX XXXX XXXX XXXX and they too said that my credit should not be affected as the plan was agreed to by them as well. I filed a dispute with experian, and they said it was resolved however my credit score still took a XXXX point hit. Please advise.

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 2022-10-25 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: AZ

Complaint narrative:
On or about XX/XX/XXXX XXXX XXXX reported private information to one of my partners ( XXXX ) which has and continues to cause me financial harm. I have lost an estimated {$14000.00} ( {$1200.00} weekly ) due to this unauthorized reporting. In accordance with the FCRA, XXXX is in violation of : 15 USC 1681 section 602 which states I have a right to privacy. 15 USC 1681 section 604 also states a consumer reporting agency can not furnish an account without prior written instructions. 15 USC 1681 C ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have been disputing unverified, fraudulent and non consented information reporting on my consumer reports dating back to XXXX. I have been a victim of identity theft. I have sent over 7 correspondence to all three major consumer reporting agencies requesting validation of debt, correcting name, address, and phone number along with requesting the removal any fraudulent accounts, inquiries, names, addresses, and/or phone numbers showing on my consumer reports that are not valid with minimal corrections. The companies XXXX, Transunion and XXXX were all asked to provide proof being a contract/agreement validating any disputed items on my consumer report and I have yet to receive anything but its verified. Someone needs to be held accountable for the fraud taking place including but not limited to the unauthorized use of my XXXX XXXX XXXX XXXX XXXX and restitution should be made by any company or individual without my consent or a valid contract.

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 2022-10-25 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: AZ

Complaint narrative:
On or about XX/XX/XXXX XXXX XXXX reported private information to one of my partners ( XXXX ) which has and continues to cause me financial harm. I have lost an estimated {$14000.00} ( {$1200.00} weekly ) due to this unauthorized reporting. In accordance with the FCRA, XXXX is in violation of : 15 USC 1681 section 602 which states I have a right to privacy. 15 USC 1681 section 604 also states a consumer reporting agency can not furnish an account without prior written instructions. 15 USC 1681 C ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have been disputing unverified, fraudulent and non consented information reporting on my consumer reports dating back to XXXX. I have been a victim of identity theft. I have sent over 7 correspondence to all three major consumer reporting agencies requesting validation of debt, correcting name, address, and phone number along with requesting the removal any fraudulent accounts, inquiries, names, addresses, and/or phone numbers showing on my consumer reports that are not valid with minimal corrections. The companies XXXX, XXXX and Experian were all asked to provide proof being a contract/agreement validating any disputed items on my consumer report and I have yet to receive anything but its verified. Someone needs to be held accountable for the fraud taking place including but not limited to the unauthorized use of my XXXX XXXX XXXX XXXX XXXX and restitution should be made by any company or individual without my consent or a valid contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Hello, I am a veteran trying to sell my home in XXXX XXXX. I bought the house in XXXX  and I refinanced using my VA benefit a few times since. My loan now has a rate of 2.25 %. With the current economy the steep increases in rates and the related declines in property values we decided to allow the potential buyers to assume my VA loan. It is a big benefit for them although they would have to put up a sizable down payment. Our issue is that the mortgage originator ( PennyMac ) has been setting roadblocks and have been extremely unresponsive. We have been going through the process for over 2 months now for something that has historically taken less than a month. I suspect that they are delaying and being unresponsive in the hope that the deal falls through and they can get the 2.25 % fixed rate loan off their books. it is completely unacceptable for them to be delaying and stonewalling the way that they have. I am sure that I am not the only one experiencing this issue, and I am sure that PennyMac is not the only mortgage originator behaving in this way. I hope there is someone out there that can help with this issue. As I said, I am an XXXX veteran who served 6 years honorably and then I was a public servant for an additional 10 years working for the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: DISCOVER BANK
State: CA

Complaint narrative:
Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 

30 days later only 1 reporting agency XXXX XXXX ) said they concluded their investigations and everything is correct and its not. XXXX and XXXX have not responded and it was sent certified mail on XX/XX/2022 DISCOVER BANK ( CLOSED DATES DONT MATCH ) XXXX XXXX ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY ) XXXXXXXX XXXX XXXX XXXXXXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX XXXXXXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX XXXX XXXX ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 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: NJ

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. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX /account number XXXX XXXX XXXX XXXXXXXX number - XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX  / account : XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account : XXXX XXXX / account XXXX XXXX XXXX XXXX XXXX XXXX  account : XXXXXXXX XXXX. Account : XXXXXXXX XXXX XXXX XXXX / account : XXXX 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 2022-10-25 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: NJ

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. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX /account number XXXX XXXX XXXX XXXX number - XXXXXXXX XXXX XXXX XXXX  / account XXXXXXXX XXXX XXXX XXXX  account : XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX/ account : XXXX XXXX / account XXXX XXXX XXXX XXXX XXXX / account : XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX  / account : XXXX 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 explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
I am currently unemployed due to the fact I was XXXX  by my boss and my hours were cut so drastically and I no longer could deal with the fact that she was still retaliating against me and the company was failing to do anything as well as the union so there is a lawsuit against them for that so I contacted my loan servicer Citizens Bank for my auto loan I was informed that they could do a two month extension at the time and I called back today and was told that that is not allowed that is not there policy because I already had an extension earlier this year due to the same issue is listed above and the lady was extremely rude I asked for a supervisor and she transferred me back to the main menu and they will not withhold their part of the bargain where the employee told me that I would have 2 months deferment where I had to pay the interest I had already paid the interest amount and I was lied to or I would have done my best to make sure I got the payment money borrowed or done something to avoid the late report that I'm going to receive from the company on my credit next month as I have 100 % on Time payments until this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: RI

Complaint narrative:
These accounts are paid in full and please reflect paid in full {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-25 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: RI

Complaint narrative:
These accounts are paid in full and please reflect paid in full {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Account # : XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On ( XXXX of XXXX ) I checked my consumer report and your company reported an alleged debt on my consumer report. I do not agree with the amount your company has put in my consumer report. Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 USC 1692g ( a ) ( 1 ). Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Also please keep in mind that only the creditor is the person who can validate these debts. Pursuant to 15 USC 1692a ( 4 ) the term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. Only a consumer like myself are the only people who can extend credit. So therefore, I have created the debt, but I do not own the debt. If you claim that I own the debt than please send me the instrument of indebtness with my signature. Also please keep in mind numbers or ID numbers is not a signature. If you can not provide me this instrument of indebtness than the debt is not owned by me and this has to be removed from my consumer report. Please keep in mind I am not requesting that you send me proof of location information ( my place of XXXX  ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated plus the instrument of indebtness with my signature of me approving this debt. 

Best regards, 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