vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
( dispute_item_and_explanation ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). 
Sincerely, XXXX XXXX Update the following statements to ALWAYS PAID-ON-TIME/ PAID-AS-AGREED PLEASE AND THANK YOU!!! 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX  ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). 
Sincerely, XXXX XXXX Update the following statements to ALWAYS PAID-ON-TIME/ PAID-AS-AGREED PLEASE AND THANK YOU!!! 

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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: GA

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

15 USC 1681 Section 602 States I have the right to privacy.

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

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 and purpose.

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 2025-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX, SC XXXX Dear Sir or Madam : I am writing about the information LVNV FUNDING LLC reported on my XXXX, XXXX, and XXXX XXXX credit files .

I am unaware of this debt. I did not have an opportunity to dispute this information per 12 CFR 1006.34 ( c ) ( 4 ) ( i ). If in fact you believe you gave me proper notification, then please send me the certified receipt with my signature. If you are unable to provide this documentation, I request its removal from my credit reports.

I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX  RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
( dispute_item_and_explanation ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). 
Sincerely, XXXX XXXX Update the following statements to ALWAYS PAID-ON-TIME/ PAID-AS-AGREED PLEASE AND THANK YOU!!! 

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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : Error in some of my accounts Equifax, XXXX & XXXX I have received a current credit report from your organization. Soon after investigating the various records, it is clear that the following accounts appear with no regard for accuracy as necessary by the Fair Credit Reporting Act. 

Creditor Information : XXXX  Account ID : XXXX Amount : {$9100.00} Description : As you learnt, by law, certain data in my report must be undistorted and verifiable. 

XXXX XXXX XXXX XXXX Account ID : XXXX Amount : {$0.00} Description : As you notice, by regulation, some data in my history must be correct and verifiable. 

XXXX XXXX  Account ID : XXXX Amount : {$0.00} Description : As you learnt, by legislation, some data in my archives must be factual and verifiable. I don't consider that the DATE OF LAST ACTIVITY information is correct so it should be right and established or destroy without hesitation from my track record. 

I'm actually worried about the consequences of this error given that I'm within the process of asking for a loan. 

I am asking to have these inaccuracies corrected as soon as possible, per my rights under the FCRA and Metro 2 guidelines.

According to the Fair Credit Reporting Act, you must conduct an adequate investigation when consumer disputes information on their credit report. Additionally, Metro 2 rules state that the data furnishers must provide accurate, complete, and up-to-date information to credit bureaus.

Moreover, should you be unable to verify the accuracy of these items, Metro 2 rules and FCRA require you to delete these from my credit record quickly.

I kindly request that you investigate the following discrepancies : 1. *Section 609 : * - I assert my right to obtain a copy of my credit report. Please provide a free copy at your earliest convenience.

2. *Section 611 : * - I am disputing inaccuracies in my credit report. Under Section 611, I request a thorough investigation into the disputed items to ensure the accuracy of the information.

3. *Section 605 : * - I want to highlight that negative information on my credit report should adhere to the permissible reporting duration outlined in Section 605. Please review and ensure compliance.

4. *Section 623 : * - According to Section 623, I expect furnishers of information to diligently investigate the disputed items. I urge you to work with them to resolve these discrepancies promptly.

I regardfully ask some instrument that carry my signature on this account, or the items must be deleted from your report within the next 30 days.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Also, be advised that the description of the procedure utilised to decide the accuracy and completeness of the info is hereby requested too, to be provided within fifteen ( 15 ) days of the completion of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute of Bankruptcy Information Furnished by LexisNexis Dear LexisNexis , I am writing to formally dispute the accuracy of information about bankruptcy furnished by your organization to credit reporting agencies ( CRAs ). Upon reviewing my credit report, I discovered that the reported bankruptcy information contains inaccuracies, specifically regarding its source attribution.

The Fair Credit Reporting Act ( FCRA ) mandates that furnishers of information must ensure the maximum possible accuracy of the data they provide to CRAs ( 15 USC 1681s-2 ( a ) ( 1 ) ). However, your organization has acknowledged that its bankruptcy records may contain errors and are not free from defects. Despite this, the information was furnished to CRAs, resulting in its inclusion in my credit report.

Furthermore, disclaimers do not absolve furnishers or CRAs of their responsibility to provide accurate information. As such, your reliance on inaccurate or incomplete data constitutes a violation of FCRA requirements.

I request that LexisNexis immediately retract all bankruptcy-related data provided to CRAs regarding my account and ensure that the inaccurate information is corrected or removed entirely. Please confirm your compliance with this request in writing.

Failure to address this matter promptly may result in further legal action to protect my rights under the FCRA.

Bureau : XXXX Creditor : XXXX Additional relevant fields are : Type reported as XXXX  XXXX Bankruptcy Status reported as Discharged Date File Reported as XX/XX/XXXX Reference reported as XXXX Closing Date reported as XX/XX/XXXX Court reported as XXXX XXXX XXXX XXXX XXXX Exempt Amount reported as XXXX Asset Amount reported as XXXX Please send a copy of my credit file with the above Bankruptcy permanently removed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I have provided PHH Mortgage company with all documents pertaining to the passing of my mother. The documents included death certificate, executor of the estate, copy of the will, the deed to the home which is now in my name and my ID. They keep sending me letters stating that the research department is looking into everything but yet they also keep sending bills with added amounts. They were told in writing again ( as they have been told this several times ) not to pay the taxes on the home but yet again they have paid the taxes and added more fees to me. They have had the previous information for over a month. They lied in my previous complaint stating they never received a call from me when they were told repeatedly that there was no money coming into the household due to unemployment. Yet, they asked for feedback after I spoke with XXXX on XX/XX/XXXX, spoke with XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I could continue but I'm sure you get my point. XX/XX/XXXX they sent the attached email stating they have been trying to reach the homeowner to discuss the mortgage which is a lie, the same lie they always tell. How can you be allegedly trying to reach me but at the same time sending letters ( dated XX/XX/XXXX ) stating that you acknowledge that you have received every correspondence that I have sent telling me who the account has been assigned to XXXX XXXX as my designated contact person if I have questions. Clearly the two contradict each other. This has been an ongoing thing with PHH Mortgage they have rejected payments in the past as well because it wasn't the amount they wanted and the foreclosure was on pause at that time. Now they are still adding fees while allegedly researching the situation

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to follow up on a previous request I submitted regarding a bankcrptcy that is listed on my credit report. I have requested that the item in question be reviewed to ensure its accuracy, in full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., the FCRA mandates that credit reporting agencies and furnishers Attached to this correspondence, you will find the response I received from the credit bureau regarding my initial request. Upon reviewing their reply, you will notice that the disputed item is marked as either " updated '' or " verified, '' which the bureau indicates should imply that the information is now accurate and correct.

I respectfully disagree with these conclusions, as I have carefully reviewed my credit report and identified several discrepancies that still remain unresolved.

I have also marked the disputed Item that was previously raised with the bureau.

I have also included a copy of the letter I sent to the credit bureaus outlining my position. In this letter, I made it clear that I will be exercising my rights under the FCRA ( 15 U.S.C. 1681 ) to have any inaccurate or unverifiable information removed from my credit report.

information gathered from Equifax Credit file : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OPORTUN FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am disputing the collection account with XXXX XXXX/OPORTUN account number XXXX XX/XX/year> with a balance of {$0.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My information was part of a data breach & is showing part of the black web. 
Toyota showing a late payment when my loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was going to XXXX XXXX for XXXX XXXX XXXXXXXX. I had the XXXX XX/XX/XXXX. I saw the initial charge on the card for XXXX. XXXX XXXX of XXXX  i Went back into the office to show documents of what insurance was covering and asked to be credited back the money to my card. the office manager stated he would take care of it and initiate the refund. i initially saw the refund but then they charged the same amount back to the card 13 days later after XX/XX/year>. Ive also made additional payments to what insurance wouldnt cover and the officer manager said not to worry and he would take care of it. Ive now made 2 claims/disputes trying to get my credit back and ive been given the run around, and be refused numerous times. I keep getting told its been credited and it hasnt. Im now filing a fraudulent charge claim.

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 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This company is beyond aggressive. Comenity capital bank to be exact. They call exactly at XXXX am and repeatedly call all day and past 9/10 pm! They text constantly also! I have to them to place me on a do not call list and they call private and from 5-6 different areas codes. They are harassing me and I have been making the payments to them as I can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
A defective vehicle was repossessed and they only wanted a payment in full. I received a summons on XX/XX/year> that I am being sued for the balance after they re-sold it at auction.

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