vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
Oxygen XL debt collector y trying to collect a debt that I supposedly owe to XXXX XXXX XXXX XXXX. 
I parked In XXXX XXXX XXXX. On XXXX  the pay booth was not functional, it was off..therefore I went half a block down to the next pay booth and purchased my parking at XXXXXXXX  and paid until XXXX XXXX 
When i returned to my vehicle i had a parking ticket that was given on XX/XX/ at XXXX for {$45.00}. 
I sent the company proof of receipts and they tell me that the parking charge was legally issued and that I had XXXX days to pay or request an appeal..told me that I paid in a booth that belongs to another parking company? ..when it is the same XXXX XXXX XXXX XXXX.. I requested an appeal and again was denied..supposed to pay {$85.00} now.. was contacted by Oxygen XL debt collector and I again disputed the charges and sent them my receipts.. again was told that I needed to pay but were willing to settled for like {$52.00} or something like that, which I of course refuse to pay .. now I'm threatened to ruin my credit and boot or tow my vehicle. This is fraud and there are hundreds if not thousands of complains against this company taking advantage of customers..How can the state allow this to happen? Where are my rights? I am XXXX XXXX XXXXXXXX veteran too..have some respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE NOTIFIED ALL THE CREDIT BUREAUS OF THE INCORRECT INFORMATION THEY HAVE BEEN FURNISHING ON MY CONSUMER REPORT. I DID NOT GIVE THEM CONSENT TO HAVE MY PERSONAL INFORMATION FIRST OF ALL. AS A RESULT OF INCORRECT INFORMATION THE CREDIT BUREAUS HAVE BEEN FURNISHING ON MY CONSUMER REPORT IT HAS CAUSED MY CHARACTER TO BE DEFAMED, MENTAL ANGUISH AND FINANCIAL HARDSHIP. 

I HAVE SENT THEM A CEASE AND DESIST AND YET DERROGATORY AND INACCURATE INFORMATION IS STILL BEING FURNISHED.

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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE NOTIFIED ALL THE CREDIT BUREAUS OF THE INCORRECT INFORMATION THEY HAVE BEEN FURNISHING ON MY CONSUMER REPORT. I DID NOT GIVE THEM CONSENT TO HAVE MY PERSONAL INFORMATION FIRST OF ALL. AS A RESULT OF INCORRECT INFORMATION THE CREDIT BUREAUS HAVE BEEN FURNISHING ON MY CONSUMER REPORT IT HAS CAUSED MY CHARACTER TO BE DEFAMED, MENTAL ANGUISH AND FINANCIAL HARDSHIP. 

I HAVE SENT THEM A CEASE AND DESIST AND YET DERROGATORY AND INACCURATE INFORMATION IS STILL BEING FURNISHED.

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 2023-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This LVNV collection opened in XX/XX/2022 with account number XXXX for {$1400.00} found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The following accounts I have listed below BARCLAYS BANK DELAWARE/ with the date of XX/XX/2020. My rights have been violated in accordance with the Fair Credit Reporting Act. 15USC 1681 SECTION 602 A. 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 any purpose. 15 U.S.C. 1681a ( 2 ) ( A ) ( I ) Exclusions. The term " consumer report '' does not include any report containing information solely as to transactions ( payments are transactions ) or experiences between the consumer and the person making the 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 2023-02-19 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: NC

Complaint narrative:
Trans Union file # XXXX, is reporting the following fraudulent inquiries XXXX. XXXX XXXX  XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX XXXX  dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX  dated on XXXX XXXX, 2023. 
XXXX. XXXX dated XXXX XXXX XXXX, 2023.

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 2023-02-19 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: NC

Complaint narrative:
Trans Union file # XXXX, is reporting the following fraudulent inquiries 1. XXXX XXXX  XXXX  dated on XXXX XXXX, 2023. 
2. XXXX XXXX XXXX  dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX  dated on XXXX XXXX, 2023. 
4. XXXX dated XXXX XXXX XXXX, 2023.

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 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: True Link Financial, Inc.
State: GA

Complaint narrative:
I am very concerned about the security of this company being that when I received my new card tried to activate it but in my info to do so it then gave me another person info including all info addresses with apartment numbers everything..this shows that this company doesn't have the required security in place which is required to have but yet they want to charge a service fee for this I am appalled they do not have this in place but charge ppl for service my info could be out there like I heard this young lady info

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-19 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XXXX and XXXX I tried to refinance mortgage with Wells Fargo and after providing them with the documentation that they request they immediately foreclosed on my property anyway. I feel that this was a wrongful foreclosures, and if not for the wrongful loan modifications foreclosure would have been prevented.

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 2023-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: GA

Complaint narrative:
I called to setup XXXXXXXX XXXX, was told I would have a trial period. I called several times for help with the remote. I even asked the person put in the service. I never did get anyone to explain. After a while I called and canceled the service. 
About a week later I get this letter saying that I owed {$600.00}. I called to find out how I owed them anything. They stated I was being charged {$20.00} for the next 2 1/2 years. I told them to put it back in, if I was paying for it she laughed and hung up on me. I dont feel I owe for something Im not getting. I was still in my trial period and I dont remember signing a contract. They are so friendly when putting this in but when you call for help. Well thats a bother to them. Please help me!! Sign, XXXX XXXX. P.s. the collection agent is ERC* out of XXXX XXXX Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital one my card was lost and someone transferred money from my bank to my card and and now Im in debt cause of this situation and capital one said there was nothing really they can do it was this past summer in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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

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 2023-02-19 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:
In accordance with the Fair Credit Reporting Act, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, a client sent money via PayPal to pay a deposit to reserve dates for my vacation rental. PayPal requested a tax id to confirm the transaction and stated ID verification would take 15 minutes. Thereafter, funds would be released to me. It's now been 3 days and the funds have NOT been released to me. I called PayPal this morning. They stated that there are systems issues and there is no time frame on when this " issue '' will be resolved. This is completely unacceptable and illegal! They are withholding my money and I'm sure thousands of other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
My father passed away in XX/XX/XXXX without a will. I filed an affidavit of heirship 4 months later and was named owner of his home. I sent the affidavit of heirship along with his death certificate to the bank but it wasn't enough, they want a probate document. They won't even speak to me about my father 's loan and I am in default, I have been and I am positive foreclosure is next. The affidavit of heirship is the most recent executed deed and there is no need for probate, I have been owner of the house since the beginning of XXXX. I really need to speak to the bank and ask for forbearance or something related to that so I don't lose my home and I have a little time to get my finances back in order instead of worrying and playing the guessing game on this issue since they will not speak to me about it.

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 2023-02-19 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: LA

Complaint narrative:
XXXX {$15000.00} ; I did a voluntary surrender in XX/XX/2022 and they waited 3 months to pick up the vehicle and started submitting my account as late payments XXXX. {$750.00} ; the original amount of the purchase was {$490.00}. They lied about the open account date ; this account is due to come off my credit report They have never upgraded the payoff my home which was paid off in XX/XX/2022 which was {$75000.00}. My credit score never increased after this payoff Remove the Hard Inquiries which I did not give written consent

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 2023-02-19 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 non-monetary relief
Consumer complaint received 2023-02-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion again reduced XXXX from credit score and trying to bring Dawn my score every month. 
The XXXX and Transunion scores are not match at all.

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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting an charge off each month with a balance of {$770.00} for this account. XXXX XXXX XXXX XXXX XXXX As were both aware a charge off account is a dead account which means that there shouldnt be any interest accruing after the account charged off, there should not be any late payments reporting after this account was charged of along with reporting c/o every single month, Im aware that there is date of last activity ( the date on any account should be when a payment was made, or account status change made on the account ) so if you are reporting charged off every month the date of last activity is being reset every single month that you are reporting an charge off meaning that my reporting time is based on my date of last activity so with the 7 year reporting time for every charged off account from my understanding this account was charged off in XXXX and since then youve continued to report charge off on my credit report, which affect my dola ( date of last activity ) & is continuously been extended Ive attached copy of this account as its being reported from your bureau as well as listed below are the other accounts in question. 

{$230.00} XXXXXXXX XXXX XXXX XXXX {$430.00} XXXX $ XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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 2023-02-19 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 2023-02-19 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:
In accordance with the Fair Credit Reporting Act, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
follow up on cfpb complaint XXXX I am still not receiving credits for my XXXX  promo that capital one has advertised XXXX XXXX XXXX They currently owe me 2x {$9.00} for the month of XXXX and XXXX. Since this is an ongoing issue I also request a {$100.00} courtesy credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim. 

I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: MS

Complaint narrative:
Last XXXX of XXXX RE : Account Number I received notice that you verified certain items on my credit report from the following companies : 1. XXXX XXXX  XXXX 2. XXXX  XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX  XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Supply your response within 15 days or delete the trade-lines.

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