vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, 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 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 explanation
Consumer complaint received 2022-04-10 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: MA

Complaint narrative:
We are getting closer to a resolution. 
Experian finally acknowledges that the department of education XXXX XXXX XXXX is a collection account. 
The remaining issue is the first date of delinquency was in XXXX and was transferred to the collection agency in XXXX. They did not report till XXXX. Reminder the clock does not reset when sold or transferred. 
Proof on page two of response from the department of education to Congressman XXXX XXXX that became delinquent much earlier than reported. 
I have other correspondence as well if this is not sufficient but this is was an official statement. 
Note items had been removed from the other credit bureaus.

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 2022-04-10 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: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
In accordance with the fair act XXXX  account # has violated my rights. 

15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose. 


XXXX XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
i had an account with td bank, some reason they closed my account, i contact with there branches but no one doesnt fix my problem, when they closed my account that my i had {$2300.00} something in my bank account, tb bank branch officers dont know where is my money, after that i go there defarent branch like XXXX of them, one off the branch officer give me case number and phone number to contact with her, i call her everyday she doesnt pickup and she never call me back. so still i dont know why they close my account and where is my money, thank you date was XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: AES/PHEAA
State: IL

Complaint narrative:
Fedloan servicing closed my account as a result of them not renewing their federal account causing my credit score to drop without fault of my own. This egregious error is impacting our ability to obtain a new mortgage or rent a townhouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
Hello I have sent a letter to this company letting on XX/XX/2022. I have sent dispute letters along with ftc report letting them I have been victim of id theft and they are refusing to remove I have sent disputes on XXXX to no avail they are refusing to remove this despite me sending eligible documents for it to removed from credit report The amounts the collections {$460.00} {$850.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have an Amazon store card through Synchrony Bank. It has charged me something called " XXXX XXXX XXXX '' since my XX/XX/XXXX statement. However, I didn't notice before because the charge was small, and I didn't check my statements. I don't recall ever being notified or agreeing to this charge. On XX/XX/XXXX, I called the number listed on the charge ( my statements have it listed as a fee ), and I initially thought it was fraud. I called the Amazon store card customer service number 3 times to try and report it as fraud. They told me it wasn't fraud and I had to call the number again. I believed it was in fact fraud, so I closed my account. I closed it on XX/XX/XXXX. However, my XXXX statements show I was charged {$19.00} on XX/XX/XXXX, even though my account is now closed. I called the number on the charge today and entered my account information that I verified is correct and was told it is wrong. Then I called the Amazon store card support and was told I need to call the number on the charge to cancel. The Synchrony Agent also couldn't tell me how my account is still being charged when it is closed. Since XX/XX/XXXX this fee has charged me a total of {$180.00}. I just found out this XX/XX/XXXX, but the ordeal since then has been very stressful. I definitely think this business needs to be investigated. I have since searched for similar stories with Synchrony to my own and found quite a few. Though I seem to be the first they continue to charge once the account is closed.

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 monetary relief
Consumer complaint received 2022-04-10 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In accordance with the fair act XXXX  account # has violated my rights.

15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance Corp

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 2022-04-10 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
In accordance with the fair act XXXX  account # has violated my rights. 

15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose. 


XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: FL

Complaint narrative:
I have few accounts and inquiries list below that have war against my credit profile. I need the following extended Fraud alerts to be remove from XXXX, XXXX and Equifax. 

1.We XXXX  XXXX XXXX {$2000.00} ( chargeoff ) XXXX XXXX  XXXX the account was paid full and needs to be corrected on credit profile, for longer being a derogatory account. 

Inquiries XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following information XXXX in support of my complaint.

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 with out my written instructions, 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: FL

Complaint narrative:
I have few accounts and inquiries list below that have war against my credit profile. I need the following extended Fraud alerts to be remove from XXXX, Experian and XXXX. 

1.We XXXX  XXXX XXXX {$2000.00} ( chargeoff ) 2XXXX XXXX  XXXX the account was paid full and needs to be corrected on credit profile, for longer being a derogatory account. 

Inquiries XXXX / PPMC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following information are in support of my complaint.

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 with out my written instructions, 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-04-10 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: IL

Complaint narrative:
XXXX XXXX closed my account as a result of them not renewing their federal account causing my credit score to drop without fault of my own. This egregious error is impacting our ability to obtain a new mortgage or rent a townhouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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, 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 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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Since loan inception - XXXX XXXX, I have made every payment on time, and most times paid additional principal along with my regular payment. I did not set up auto pay because I would pay the additional principal every month and I would vary the amount based on the extra cash I had on hand. 

In XX/XX/XXXX I became very ill with XXXX and forgot to pay the mortgage payment that was due on XX/XX/XXXX. The late notice was issued on XXXX XXXX XXXX and I paid the late payment the day I received the notice on XX/XX/XXXX, along with {$300.00} in additional principal. I also set up auto-pay immediately so this would never happen again. 

I contacted Rocket Mortgage to request that they remove this derogitory mark from my credit report and they would not. I asked to speak to a supervisor and was told there is nothing they could do. 

If they would have sent me a late notice in XXXX ( instead of XXXX XXXX ) I would have paid it immediately and could have avoided this problem entirely. 

I also want to mention that prior to this one late payment, I had paid in an additional {$2700.00} in additional principal payments during XXXX. Couldn't this extra money that I've been sending over the years be viewed as an advance payment in some way? 

I need to move from my home residence and recently found a home. Unfortunately when I contacted the bank for a mortgage today, I was informed that this one late payment makes me ineligible for a mortgage. They suggested I contact the lender and ask them to remove the late payment from my report.. 

With all the accomodations that were made during the XXXX pandemic, all I am asking is that this temporary blip in my credit report be removed so I can go on with my life and my plans to relocate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: MA

Complaint narrative:
XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 2022-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: PA

Complaint narrative:
I received a notice on XX/XX/2022 that I owe {$260.00} from American Profit Recovery , Inc ( debt collector ) on behalf of XXXX XXXX ( creditor ). This was already paid as shown from the creditor 's own bookkeeping system ( see attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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 XXXX  XXXX XXXX  L Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-04-10 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: NJ

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: Financial Management Solutions, LLC
State: MD

Complaint narrative:
This is a follow up to complaint # XXXX. 

FMS informed you all that the account I've been disputing since XXXX would be updated by XX/XX/XXXX to state included in bankruptcy with a zero balance. 

In reviewing my credit report, they still reported a balance and never made good on their word. 

This is fraudulent and defamation of my character as they're continuing to report false information about me. 

Attached is a screenshot of the XX/XX/XXXX reporting.

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 2022-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
US bank closed my XXXX XXXX credit card with no reason given whatsoever. There was XXXX points on the account 's reward balance that I was denied access to. When I called the customer service, they were of no help at all, they kept telling me to call back at a different number and different 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 explanation
Consumer complaint received 2022-04-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the follow accounts have violated my rights. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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

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 2022-04-10 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: AL

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 2 : it also states 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 2022-04-10 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: AL

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 2 : it also states 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 2022-04-10 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: AL

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 2 : it also states consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation