vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX and 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate information and unverified items on my credit report. It has been over 30 days and I have not received a proper response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate the disputed items within 30 days gives reason to immediately remove said items from my credit report. It has been over 30 days so the disputed items need to be deleted promptly from my credit report. Furthermore, I demand that these items be deleted immediately or I will file for litigation due to the stress that you and the bureaus have caused me. My information may have also been impacted by the Equifax data breach and could have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX This account was opened without my consent. Allegedly this account is a secured credit card and is over the limit by XXXX. I have worked with credit reporting agencies to resolve this and have been unsuccessful

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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 submitted an inquiry for a personal loan with XXXX XXXX XXXX. The bank advertised that there would be no hard credit inquiry with no impact to your credit score. I did this because I wanted to review my loan options without impacting my credit score. Therefore, I was deceived by 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 2022-06-09 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: NV

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate information and unverified items on my credit report. It has been over 30 days and I have not received a proper response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate the disputed items within 30 days gives reason to immediately remove said items from my credit report. It has been over 30 days so the disputed items need to be deleted promptly from my credit report. Furthermore, I demand that these items be deleted immediately or I will file for litigation due to the stress that you and the bureaus have caused me. My information may have also been impacted by the XXXX data breach and could have gotten into the hands of the wrong person.

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 2022-06-09 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: NV

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate information and unverified items on my credit report. It has been over 30 days and I have not received a proper response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate the disputed items within 30 days gives reason to immediately remove said items from my credit report. It has been over 30 days so the disputed items need to be deleted promptly from my credit report. Furthermore, I demand that these items be deleted immediately or I will file for litigation due to the stress that you and the bureaus have caused me. My information may have also been impacted by the XXXX data breach and could have gotten into the hands of the wrong person.

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 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
I disputed one collection agency on behalf of XXXX XXXX XXXX XXXX. the account was not to my knowledge. it was removed from my credit. XXXX a collection. Sequium Asset Solutions was placed on my credit report for {$3400.00}. This debt was removed once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I closed my account with XXXX & XXXX on XXXX of XXXX  and returned all equipment owed to this company. I have email confirmation that equipment was received and all debt was settled. Starting in XXXX of XXXX  my wife began to receive collection statements from Convergent Outsourcing Inc. indicating that she owed {$480.00} due to a collection from XXXX XXXX XXXX XXXX XXXX XXXX  ). She is now receiving a letter from a new company called XXXX XXXX XXXX saying they are willing to take a smaller amount to settle this balance. I contacted XXXX XXXX XXXX to have them review my account and they indicated that not only did I not owe them a balance but that my account closed with a credit of {$5.00}. The XXXX & XXXX account was in my name, not my wife 's.

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 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XXXX I received my return receipt of certified mail when I sent out a debt validation written letter about two accounts that they are attempting to collect this debt on. I waited and still over this 30 day period have not received and validation in the mail at all at the address I provided. These two accounts have affected my credit score which lead to denial in my home purchasing process. I would like these two accounted deleted and removed from all of my credit reports because by law there has been no validation that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 XXXXXXXX # XXXX, and XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  ) was bought or merged with Nation Star dba Mr. Cooper. I have had my mortgage with XXXX since XXXX of XXXX and been making payments. I set up auto pay and it didn't work, fortunately I was able to notice and called to make the payment manually for the month of XX/XX/2022. Now its XXXX and I am unable to make my payment when calling Mr. Cooper. When I called XXXX it was routed Mr. Coopers call tree and they, Mr. Cooper are saying my loan is still in processing and I can not make a payment at this time .... its the same company. 

This is causing a financial impact by being unable to pay down my principal which would reduce the interest I am being charged. Also, puts me at risk with missing a payment as I can't make a payment to them .... which has the ability to affect my credit score. 

This is causing me to pay more interest than I would otherwise causing a negative financial impact on myself. 

When I made my formal complaint to Mr. Cooper they then tried to say it was not the case but that is exactly how interest works ... its based on the current principal. Which I am unable to pay down. 

Plus it being XXXX when they have the loan already as they, Mr. Cooper, owns XXXX now. 

XXXX yr fix conventional loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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:
In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MA

Complaint narrative:
When redeeming {$570.00} in points on my Fidelity Investments XXXX  credit card, I accidentally hit the wrong key when I was online. I wanted to have the rewards dollars credited to my brokerage account at Fidelity but instead I hit another key that said statement credit which resulted in a XXXX % reduction to XXXX which was credited against my credit card balance. The result was a loss of {$280.00} to me. 
I immediately called Fidelity ( like 10 minutes after I made the mistake ) and was transferred to Elan Financial which handles the cards for Fidelity. I talked to 3 people at Elan, all said nothing could be done. I recently got a letter from XXXX services that said nothing could be done. I believe Elan is owned by US Bank. 

I feel that this is totally unfair. It was a simple bookkeeping adjustment that could have fixed this issue, instead it was an easy way to treat the consumer poorly and grab the money. Especially when dealing with a senior citizen.

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 2022-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Kikoff Inc.
State: WA

Complaint narrative:
A loan for {$120.00} that I did not apply for was opened up in my name on XX/XX/2022 Creditor Information KIKOFF LENDING LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We were offered a Forebearance agreement, as my wife lost her employment due to Covid and I am on an altered salary from a XXXX XXXX XXXX Our Forebearance ended effective XX/XX/2022. My wife had just received employment XX/XX/2022 and we were prepared to resume making our house payments. But our mortgager stated we are only eligible for complete immediate payment, in deed of liu, short sale and foreclosure. During the forebearance it was never stipulated that we needed to pay {$55000.00} all at once. I explained that if our family had such funds, we would've paid regularly? 
I attempted to apply for the Mortgage Assistance program, but we were denied based off my wife 's XXXX which is brand new income vs the loss of income from Covid for a year and a half which affected our ability to pay our mortgage. I am appealing both decisions, but foreclosure is rapidly approaching and I have been working on this for several months, pleading and praying for a positive result, but yet yielding nothing. 
We feel alone and abandoned as we have just gotten to a good financial place, and no entity is willing to help.

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 2022-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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:
In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My XXXX XXXX acc reporting wrong info the open dates are wrong XXXX XXXX XXXX report says closed the other says paid date late one says XX/XX/XXXX the other says XX/XX/XXXX XXXX XXXX  Date open XX/XX/XXXX the other XX/XX/XXXX balance XXXX the other says XXXX past due XXXX the other XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX the other XX/XX/XXXX XXXX XXXX Date open XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX the other say XXXX last reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date of last payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  Date open XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX Date of last payment XX/XX/XXXX 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 2022-06-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My XXXX  XXXX acc reporting wrong info the open dates are wrong XXXX XXXX XXXX report says closed the other says paid date late XXXX says XX/XX/XXXX the other says XX/XX/XXXX XXXX XXXX Date open XX/XX/XXXX the other XX/XX/XXXX balance XXXX the other says XXXX past due XXXX the other XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX the other XX/XX/XXXXXXXX XXXX XXXX  Date open XX/XX/XXXX XX/XX/XXXX high credit XXXX the other say XXXX last reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date of last payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Date open XX/XX/XXXX XX/XX/XXXX high credit XXXX the other XXXX credit limit XXXX XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX Date of last payment XX/XX/XXXX 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 2022-06-10 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXt number 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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was negative XXXX in my account due to billI put a XXXX check inthe bank returned the paymentI have 2 issues 1 ) the bank should have covered the bill because of the check 2 ) when I first signed up for this account I had overdraft protectionwhen I called the bank I talked to a supervisor named XXXX and he basically said I was a liarI told him I have had overdraft protection and why arent they honoring that original contract..he told me they never had that which is a complete lieI have statements that prove I have had it in the pastXXXX hung up on XXXX bank is Bank of America

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