vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-08-04 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: TX

Complaint narrative:
Account is not mine. never herd of business. Did not open this account. Identify thief. 
I have never done business with XXXX XXXX and do not know who they are. 
Account info Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$530.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$530.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$530.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXXXXXX 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 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
did not get cr card

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 2022-08-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Currently, Mr. Cooper has our home up for sale on XX/XX/2022, even after we sent them a complete/full modification package. They did not send me any proposal mortgage modification packages. We send out monthly updates on our income and what is required of us by mr. Cooper. We want to keep our home since we have no place to live anymore. we ask to give us an affordable modification, we have the income to pay the Mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 recently reach out to XXXX and Experian Regarding the impact I have suffered due to fraud and identity theft. My Consumer Report has a false score and Experian and XXXX has not helped me and I am suffering through trauma due to my reputation.

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im on hold as we speak, after speaking to equifax several times regarding my disputes Due to Covid, I could not pay original credit company and I ask equifax to make a not of My concerns and let companies know my status I ask that the old account be removed Instead my account was sold to a different credit And my past is affecting my future Please help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Im on hold as we speak, after speaking to XXXX  several times regarding my disputes Due to Covid, I could not pay original credit company and I ask XXXX to make a not of My concerns and let companies know my status I ask that the old account be removed Instead my account was sold to a different credit And my past is affecting my future Please help thanks

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Im on hold as we speak, after speaking to XXXX several times regarding my disputes Due to Covid, I could not pay original credit company and I ask XXXX to make a not of My concerns and let companies know my status I ask that the old account be removed Instead my account was sold to a different credit And my past is affecting my future Please help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
The Apple Card app told me that to avoid an interest charge of {$14.00}, I needed to make a payment of {$560.00} by XXXX on XX/XX/XXXX. I made a payment of {$560.00} on XX/XX/XXXX and I was charged interest of {$14.00} on XX/XX/XXXX. 

I reported an issue through the app and I was routed to chat with a Goldman Sachs representative. I was told that I was charged because it is a " trailing interest charge. '' I said that it was fraudulent and went back and forth discussing it and the representative processed a request to waive the interest and filed a complaint on my behalf. 

The Apple Card is advertised as being straightforward and easy to use and understand, such as the following quote from the apple website, " With Apple Card, we completely reinvented the credit card. Your information lives on your XXXX, beautifully laid out and easy to understand. We eliminated fees and built tools to help you pay less interest ... '' The app told me how much I needed to pay and when to avoid the interest charge and I was still charged interest. 

Waiving interest this time does not fix the problem. It is fraudulent to tout about the benefits of the card, the ease of use, and plain terms that anyone can understand and explicitly state pay this amount by this date to avoid this interest charge and still charge the interest. Apple and Goldman Sachs need to fix their app and advertising to reflect their policies or change their policies to match their advertising and the information they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NH

Complaint narrative:
This is for a Cable company called XXXX who made it nearly impossible to cancel. ( i.e. insisting that I call with long wait times, and constatnt disconnects, no chat or online account portal is available to cancel ). I returned my equipment thru their cahannels before a new month was started. I had to secure Support thru their XXXX account and have them close my account. I have the confirmation but they never apparently closed it formally and still continue to send me bills. I appealed to them again to tell them to stop sending bills - that the account was closed... And then today I get a letter from a collection agency. Here is a paste of the whole support conversation that confirmed that the account is closed - and in time to not incur more charges. 

Attached in PDF below is the actual support conversation thru XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Transunion Reporting Bureau complaint : A Debt collection Company, Quick Collection, reported a false collection to all 3 Credit Bureaus. I, through Certified Letter correspondence, challenged the reporting and demanded " Validation, '' Proof, of an actual debt. Original letters all dated ( XXXX ). None of the 3 Bureaus were able to do so. Nor was XXXX XXXX able to, ( XXXX letters sent XXXX and XXXX ). XXXX ( XXXX ) and XXXX ( XXXX ) both immediately removed the False report from their Bureau sites. All letters sent Certified mail. Transunion to date has never responded, reported " In Dispute '' on my bureau report or at any time Validated any truth to a collection being owed by me to XXXX XXXX. Certified letters of demand were sent XXXX, XXXX, XXXX to Transunion ( XXXX XXXX XXXX XXXX  XXXX XXXX ) with no return correspondence or validation of any contract, signatures, times, dates. Nothing to validate any debt. It is still being reported on my Transunion bureau report. Most recently between XXXX and XXXX, Transunion removed the collection and my score increased accordingly, about XXXX points. XXXX Transunion re-reported the false debt causing my score to plummet XXXX points on the Transunion Bureau site in one day. ( Have in hand XXXX, 3-Bureau XXXX page, XXXX page and XXXX page ), Credit reports proving this, dated XXXX, XXXX, XXXX ) Still no proof or validation of any debt being owed. I am also seeking damages though the courts. This has to stop and Transunion delt with accordingly for willingly reporting false, un-VALIDATED, no PROOF, Character damaging information.

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 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I previously had a card with XXXX Bank, Bread XXXX  bought my debt and changed my card. Prior to this I had automatic payments set up on my account with XXXX, I get a phone call one day that my account is over 30 days late from the new card company. So I paid the bill, after I called my original company to find out what happened. During this time, I received no word from either company about this buyout, and I did not receive a statement from the new issuer, still they have reported my payment late, and refuse to amend it, aside from that they increased the interest rate on my balance and list it as a cash advance, all of which are issues now that I am trying to buy a home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 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: AZ

Complaint narrative:
XXXX XXXX XXXX / Account number XXXX, XXXX XXXX, XXXX. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The dealership falsified information on the credit application to get it approved by the finance company. I did not provide this information to them. Nor did I complete my own credit application. After reviewing a copy of the credit application that was submitted, I notified them that the information was not correct & they refused to change it and resubmit the application. I also notified the finance company that the information was falsely entered, and they also did not do anything to verify that the information was true and correct,, even after I told them that it was falsely submitted by the dealership. This is my first attempt of filing a consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr.Cooper Mortgage Company ask me to go paperless and switch my account to online banking and I refused. Once I refused issues started of Mr Cooper claiming that they didn't receive my Mortgage payment and issuing me a late fee, although I have several witnesses including postal workers who witnessed me mail my payment 14 days prior to my payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MS

Complaint narrative:
Qn XX/XX/XXXX I received a notification that my credit score dropped XXXX points due to a collection posted by Columbia. I had never heard of them or from them but found out it was from a debt I disputed multiple times since XX/XX/XXXX. I first received a notification of amount owed from my son 's apartment that he moved out of XX/XX/XXXX. I called the complex and was told to submit dispute in writing, which I did on XX/XX/XXXX ( the same day I received the notification ) and submitted pictures showing no damage/not cleaned. I never heard again from them. About a year later I got a collection notice from XXXX ( XX/XX/XXXX ) for same amount. I called to dispute on the same day and to send pictures to which I was told my pictures would not be honored since they were on my cell phone. I then contacted my attorney XXXX XXXX who sent a dispute letter to XXXX stating he had reviewed the charges and my pictures and found the charges erroneous & that a stop be placed on this collection and it is not to be reported to any credit reporting bureau as the charge is not a valid debt. I never heard again from them. Over a year later - XX/XX/XXXX I found the report from XXXX whom I have NEVER heard from ( nor has my son XXXX ) when I had a drastic drop in my credit score as it was reported on both of our credit reports. I disputed with all 3 credit bureaus that it was wrongfully reported only for XXXX to state the debt was accurate on a debt that was not valid, disputed multiple times yet still sold and was proven to be inaccurate through pictures and reviewed by my attorney.. How can they have purchased this invalid debt, never contact me or my son and then report it on our credit reports and refuse to correct it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX Account # XXXXXXXX XXXX Account # 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 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 2022-08-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX XXXX Accout # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXXXXXX 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 2022-08-04 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: PA

Complaint narrative:
I called equivalence to have account removed from credit report citing violations pertaining to my consent and privacy Siting these US Codes Title 15 Chapter 41 1681b Permissable Purpose Title 16 Chapter 94 I was like accounts removed from my credit report. 

XXXX and Transunion acted fraudulently and on my behalf and I did not knowingly consent to these partial practices as they are violations of my consumer rights

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 2022-08-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( a ) ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Reviewing my consumer report I found several instances where there was inaccurate information that has created an unfair situation for me. I was never notified when this inaccurate information was furnished. I was also never notified about the initial investigation that led to the reporting of this inaccurate information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) : Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These repeated occurrences have undermined my confidence in EQUIFAX INFORMATION SERVICES and the banking system as a whole. Therefore, if this information is not removed, I will no longer be extending credit and will request that all of my information be removed from EQUIFAX INFORMATION SERVICES records.

Pursuant to 15 USC 1681 ( a ) ( 2 ) : EQUIFAX INFORMATION SERVICES is a powerless elaborate mechanism. This grave error has ruined my reputation, credit worthiness, credit standing, credit capacity and tarnished my character as a consumer.

Pursuant to 15 USC 1681 ( a ) ( 3 ) : EQUIFAX INFORMATION SERVICES has assumed this role. EQUIFAX INFORMATION SERVICES was not given express permission by XXXX XXXX or a competent court of jurisdiction. You have violated my rights as a consumer over and over again within the initial investigation as well as assuming that the information received was accurate. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) EQUIFAX INFORMATION SERVICES is required by law to exercise their grave responsibilities with fairness, impartiality, and with respect for the consumers right to privacy. EQUIFAX INFORMATION SERVICES did not consult me as to the accuracy and validity of this information and assumed the transaction took place based on an unfair, partial perspective of a third party. As a result, my privacy has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: MS

Complaint narrative:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX opened XX/XX/XXXX for {$27000.00}, XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: CCS Financial Services, Inc.
State: FL

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation