vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 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: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my XXXX complaint that I am filing against EQUIFAX. There were XXXX [ XXXX ] deleted inquiries from my EQUIFAX credit report after my disputes and now EQUIFAX is liable to compensate me with monetary remedy. By deleting the inquiries off my report, EQUIFAX is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, EQUIFAX deleted the inquires after I disputed. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
-The term consumer means an individual. 
-The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 U.S. Code 1681o, EQUIFAX is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. 

I have been going at this case for over 100 days now and I will not stop until I get compensated as EQUIFAX is liable by law to pay my invoice. I will attach Exhibits to this complaint that prove the deletion of the inquiries following my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
On XX/XX/2021 SPS ( Select Portfolio Servicing ), XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX, misapplied my monthly payment to the principal of the loan. I have contacted this company on XXXX and subsequently on more than 5 occasions to resolve this issue. SPS refuses to resolve this issue and instead provides excuses, lies, and misdirection. 

SPS refuses to hold themselves fiduciarily responsible for my money and further refuses to correct a simple accounting issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: IL

Complaint narrative:
I was a victim of XXXX fraud last year and received an unsolicited Cash App XXXXdebit card in the mail today ( XXXX ). When you try to call the company, there is no number available. There is no way except to send a message via email to the company or to get help unless you activate the fraudulent card through the web or app. This card was opened using my social security number but I have a credit freeze on through all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME. THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED. I HAVE ALSO ASKED THE AGENCIES TO VALIDATE THE INQUIRIES WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT 60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XXXX XXXX XXXX XXXX
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUHOME SOLUTIONS, LLC
State: WA

Complaint narrative:
Truhome Solutions has my mortgage, they offered me a forbearance during covid. They told me that for however many months that I take the forbearance that's how many months at the end that I will extend my loan. Now they're telling me that at the end I will have a balloon payment. That is not what they told me in that is not what I agreed on! They can't change the rules after the fact.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I had leased a Hyundai XXXX XXXX in XXXX and lease ended on XX/XX/XXXX. I had mailed in a cashiers check in full to buy the lease on XX/XX/XXXX via USPS. The payment was posted on my account in Hyundai Motor Finance. I have not received the title till date ( XX/XX/XXXX ) and when I had called Hyundai motor finance customer service, they mentioned they had mailed the title on XX/XX/XXXX via regular USPS mail service. They are not providing any tracking or proof of shipment. 

Now they are mentioning if I did not receive it, I need to apply for a duplicate title, fill paper work and pay the DMV fee for duplicate title. 

I do not understand why wouldn't Hyundai provide proof of shipment and I strongly believe the onus is on them to ensure the title reached me and not harass me into applying for a duplicate title.

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 2022-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
RS Clark and Associate placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with RS Clark and Associate. According to 15 USC 1692J-RS Clark and Associate is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax informed me that XXXX XXXX had pulled my report. 

I did not request XX/XX/XXXX to do so. They opened a charge account, days later I received a statement for {$300.00}. ( See copy of statement ) I called XX/XX/XXXX and asked about this, they had my proper mailing address as listed on the statement. However, they did not ship the items to the address on the statement, but to another address, not in Florida. They would not tell me the address. 

The items purchased were, sheets, boots and perfume. I did not purchase these. 

I completed a fraud report for Equifax and mailed ( see copy ) and I also filed a report with the local Sheriff department ( see case # ). Both the Equifax and the local Sheriff dept. directed me to also file this report with the FTC Thanks for your help. 

My name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: TX

Complaint narrative:
Im stating once again this company is an under violation of regulation out of the fair debt collection practices act. I have never been notified about this debt. They can claim they sent all the emails they want to claim they sent. That is not a sufficient initial contact to give somebody the right to dispute the debt either they remove this or I will sue them and Im going to win

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTENTION : To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX SSN # XXXX DOB : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 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: CA

Complaint narrative:
I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME. THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED. I HAVE ALSO ASKED THE AGENCIES TO VALIDATE THE INQUIRIES WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT 60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES 7/09/2021,09/27/2021, 10/26/2021 & 12/21/2021
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).

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 2022-01-07 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: CA

Complaint narrative:
I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME. THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED. I HAVE ALSO ASKED THE AGENCIES TO VALIDATE THE INQUIRIES WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT 60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES 7/09/2021,09/27/2021, 10/26/2021 & 12/21/2021
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).

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 2022-01-07 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: PA

Complaint narrative:
I consumer XXXX XXXX directed TRANSUION CONSUMER REPORTING AGENCY to delete inaccurate information. Credit reporting is voluntary to report non public information. I consumer XXXX XXXX did not give TRANSUNION written consent to furnish my information and I instructed them to delete it immediately. TRANSUION refuses to comply and continues to violate my consumer rights under the Fair Credit Reporting Act. 

The CFPB and TRANSUION require that information reported must have integrity and must be accurate. According to Appendix E to Part 1022 - Accuracy and Integrity of information furnished to Consumer Reporting Agencies must happen. TRANSUNION is reporting a XXXX  XXXX ACCOUNT that is not being reported by XXXX. The attached paperwork will disclose the inaccuracy. TRANSUION is breaking the guidelines of their company and the CFPB, and violating the consumer. 

TRANSUION CAN NOT VERIFY INFORMATION IS TRUE ABOUT THE CONSUMER. I REQUESTED THAT TRANSUNION SHOW HOW THEY INVESTIGATED AND THE STEPS ON HOW THIER INVESTIGATION WAS CONCLUDED.

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 2022-01-07 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: GA

Complaint narrative:
This account is inaccurate XXXX XXXX XXXX I'm unaware of this account and did not receive notification about of debt. Validate Prove it with a wet signature that this debt belongs to me. This information is inaccurate and an FCRA violation Also, please provide Validation of Debt and Method of Verification. Please honor all request of documentation.

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 2022-01-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX I was informed by my credit monitoring service that my Equifax score dropped XXXX points. I the only recent changes to me credit file was that I PAID OFF an auto loan. On XXXX I contacted Equifax by phone at which time I asked them what had caused my score to drop from XXXX to XXXX and I was told that my score was not XXXX and that I had been misinformed by my credit monitoring service. I then opened an Equifax account so that I could see my score directly from them ... ..and it was XXXX. I then called Equifax back and was told that they could not see anything in my recent credit file that would have caused my score to drop. They further stated that scores are calculated by their computer and there was no appeal process ... .so whatever score the computer assigns you, you're stuck with it. I am sure this CAN NOT be accurate information. I need to have a HUMAN to check my credit file and correct my score based on what's in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I looked at my credit report upon being released from prison after 9 years on XX/XX/2021. 
There was a debt listed that I had nothing to do with. 
I submitted a complaint with XXXX. 
They " investigated '' and said the info is " accurate ''. 
This is ridiculous. People in prison are highly monitored and can only purchase consumer items with cash. They have records of all Ive purchased and this debt isnt " accurate ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
In XXXX of XXXX, my child support eppi card, from Wisconsin came up missing. A new one was requested. The one requested on in XXXX, was not received. So, I called in XX/XX/2021 and requested a second one. This card was not received either. While waiting for the card, '' the general delivery post office, in XXXX XXXX, MN XXXX trespassed me, which that's a different matter. So, I got a friend in XXXX, MN to allow me to use their address in XX/XX/2021 to get my card. When speaking to EPPICard, I asked '' how could I use the card, if it had not been received, until XXXX? Long story short, they refuse to issue credit. It is believed that another card is being used under my name. I movedto PA. EPPICard is now updating there system on XX/XX/XXXX. Who cares, but as I told Customer service. It's not fare for me not to receive my child support and some one else too! My card ends in XXXX, but wasn't received, until XXXX XXXX, but they show charges, before that. That is why I believe they allowed someone else to have a card. EPPICard is commiting fraud and I'm suffering for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Td bank credit card XXXX has called my phone three times a day in a 7 day time span They have violated Regulation F in regulation f a debt collector may call you one a week i have phone records and may bring this to federal court if my account is not reopen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation