vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-09 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 had updated my report and found that this account doesn't belong to me this is really afecting mylife I need this to be fixed.

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 2022-10-09 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: CO

Complaint narrative:
Signed up for a Capital One Quicksilver card in XX/XX/2021, maikers, ads and offer landing page ( even now ) shows offer of {$200.00} bonus after {$500.00} spend, XXXX XXXX XXXX for 15 months. I signed up, was given no indication the offer had not applied, while looking through the account, I found a shortened XXXX XXXX  XXXX term that initially made it seem like it had. I contacted XXXX to rectify, sent images, links of the offer. Despite promising a supervisor follow up, I had to call to follow up each time, only to receive numerous explainations for the altered terms, none of which were presented prior to account creation : expired links, refferal codes, credit rating only being 'good ', etc. I paid off the card and residual interest it gathered in the XXXX month. 

Capital One should not be permmited to advertise terms they have no intention of honoring, and at a minimum, should present the altered terms prior to account creation, rather than leaving the consumer with the credit damaging choice of closing the account with the altered terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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.

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 1681 1s-2 ( A ) ( 1 ) A person shall not furnish 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 2022-10-09 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 Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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.

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 1681 1s-2 ( A ) ( 1 ) A person shall not furnish 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 2022-10-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Statebridge Company
State: CA

Complaint narrative:
Dear Statebridge, As you are aware, I have been trying to resolve this issue with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX as recently as their last response on XX/XX/XXXX through the Consumer Financial Protection Bureau XXXX Their latest response produced more information that states that my previous mortgage company did not pay the XXXX XXXX XXXX loan in question. They were never paid their proceeds during the Escrow and Title proceedings, yet my mortgage went up {$48000.00}. Since my previous mortgage company is gone out of business and the Title company has changed ownership and relocated, they have no record of that transaction and I am at a point where I can no longer challenge this account. I am a victim of the financial crisis of XXXX with my previous mortgage and title company gone. Now, seeing how I just received a response from XXXX on XX/XX/XXXX, how can you file a notice of default on XX/XX/XXXX? Isnt there a time period before you can file a default? 

Maybe you did not receive notice, so I am filing this complaint through the CFPB as record to provide you with information about claims submitted to the original creditor. How can you file another Notice of Default and Election to Sell on XX/XX/XXXX? Isnt there a three-month time period to cure a default in California ( Cal. Civ. Code 2924 )? We contacted you XX/XX/XXXX through the CFPB about us dealing with XXXX the successor to XXXX XXXX, trying to find out what happened to our escrow payment. Which I responded to on XX/XX/XXXX, so when will the three months start? We dont have money to keep paying your lawyer costs and fees while we are disputing your claims. My lawyer says the best action would be to contact you about reinstatement but you filed another Notice of Default and Election to sell. The earliest you should be able to do this action is XX/XX/XXXX based on my first dispute through the CFPB. This is crazy. How is this not another violation? Don't you have to go by the rules and time periods for debt collection in my state? 

That being said we have no choice but to try and reinstate this account to stop this foreclosure. Please provide us information to proceed and reinstate Loan # : XXXX. Any considerations on the terms of reinstating this loan would be appreciated because Im just a XXXX  and I can not keep paying all these fees, Im already out {$48000.00} dollars + your previous XXXX in fees. How does this stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: TN

Complaint narrative:
This was not sent in error i am a consumer by law and my information was misused and now I have some false not 100 percent accurate accounts on my credit report. Unauthorized use of my credit 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 2022-10-09 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: SC

Complaint narrative:
Experian, Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : to Remove Inaccurate Credit Information To : Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error.

Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX XXXX XXXXrs XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 
Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely 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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax does not update my credit report after several attempts with the company. Its been 6 months without a change. 

Its missing 2 credit card account that makes the majority of my credit age and number of accounts with corresponding to about 33 % of the itens that compose the credit factors. 

The difference from their credit report compare to XXXX and XXXX is about XXXX points. 

All credit card companies mentioned report to Equifax on a monthly bases. 

Its been known by the public that the company is having problems this year with their system and affecting millions of people. I am one of them. Please fix my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: NC

Complaint narrative:
On XX/XX/2022 I sent notice to XXXX XXXX XXXX that I am disputing a negative, inaccurate, unvalidated tradeline they are reporting under my social security number to Equifax. Unfortunately, XXXX XXXX XXXX did not respond to my dispute OR mark the tradeline they are reporting to Equifax as disputed within 30 days of receiving my formal dispute which is a violation of the FCRA. 

I sent a follow-up dispute on XX/XX/2022 notifiying XXXX XXXX XXXX XXXX their violation of federal law by not responding to my formal dispute in a timely manner. As of today, XX/XX/2022 they have yet to formally respond to me, apparently they think they can ignore my claims against them with the assumption that I'll just go away. I am here to tell them that I will not go away! I am demanding they delete the tradeline they are reporting as over 120 day past due, with a balance of {$1500.00}. 

The Fair Credit Reporting Act states that I have a right to dispute inaccurate information that a furnisher reports under my social security number, and the furnisher is required by law to respond to the dispute, notifiy the credit bureau they are reporting to, AND prove that they are reporting facutal information. XXXX XXXX XXXX has violated the law by failing to do all of what the federal law spells out regarding handling my dispute. 

In addition to that, I have disputed this tradeline directly with Equifax and they claim to have verified the account which I highly doubt considering how unresponsive the furnisher is to me. 

If they continue down this path, and fail to delete the negative tradeline they are reporting as over 120 days past due with an unpaid balance of {$1500.00}, I will be seeking {$1000.00} per violation and they will be required to appear at a venue local to me to defend themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Regional Acceptance I, the consumer and natural person, was denied credit by Regional Acceptance when I applied for a Auto Loan. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Regional Acceptance due to the response I received. Regional Acceptance is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Regional Acceptance. If Regional Acceptance fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Regional Acceptance criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). 

Thank you. 

XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Dear Ally Financial I, the consumer and natural person, was denied credit by Ally Financial when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Ally Financial due to the response I received. Ally Financial is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Ally Financial. If Ally Financial fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Ally Financial criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have been contacted by Portfolio Recovery Associates , LLC via mail on XX/XX/2022 regarding a debt in the amount of {$8200.00}. The account number listed under " Account Details '' is XXXX. I do not have any responsibility for the debt Portfolio Recovery Associates , LLC is trying to collect. I do not have or have previously had an account or relationship with this company. I have sent Portfolio Recovery Associates , LLC a dispute letter by mail and email regarding the letter received. They have also been deceptive in trying to intimidate me by mention of a lawsuit. Portfolio Recovery Associates , LLC has reported inaccurate, invalidating and misrepresenting information to the consumer reporting agencies, in doing so have violated my rights and the provisions of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports | U.S. Code | US Law | LII / Legal Information Institute.

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.

Hard Inquiries Unauthorized XXXX - XX/XX/2022 XXXX - XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
On XX/XX/XXXX, I called MyFedLoan Servicing to request a refund on my payments made during the covid pandemic, specifically three different payments. They told me that since my loans are no longer with the company, I must contact my new servicer XXXX. 
I contacted XXXX on XX/XX/XXXX, and I submitted a refund request for loan payments during the pandemic. About a week later on XX/XX/XXXX, I called back to get an update and to pinpoint which loans I would like to have refunded. I made multiple payments during the pandemic, so I only wanted 3 loan payments ( which were made to 3 different loans, and therefore I paid off those loans fully at the time, closing the loan ). I specified the payments with the person I talked to. XXXX made on XX/XX/XXXX XXXX made on XX/XX/XXXX, XXXX made on XX/XX/XXXX. 
I called back about two weeks later to see if I can get an update on my loan refund. I had about an hour long conversation with a gentlemen and he seemed to be knowing what he was doing and said he understands and will update the paperwork. About two weeks later I received a call and they were confused about my request since XXXX only has 2 of my loans, totaling XXXX, out of the XXXX loans that I had received during my XXXX. I explained the situation and stated that I made payments to loans XXXX, XXXX and XXXX ( XXXX made on XX/XX/XXXX, XXXX made on XX/XX/XXXX, XXXX made on XX/XX/XXXX ) paying them off fully prior to my loans being transferred to XXXX. 

The person then explains to me that XXXX only received XXXX out of the XXXX loans, since the other XXXX loans were paid off and closed - MyFedLoan did not send the loan information over for the remaining XXXX since they were paid off. They then told me I had to contact MyFedLoan again and request the specific payments I made to be refunded and have those loans reinstated - and then probably transferred back to another servicer after they were. I called MyFedLoan and explained what happened, they didn't really care they gave false information. I called back again and talked to someone who was a little more understanding and then submitted my request for reimbursement of my three payments that I requested. But, they told me the request would take 2-8 weeks for request to be processed, and then another 8-12 weeks for the treasury to refund my actual amount.

So I wasted the last 6 weeks because I received false information multiple times from both services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am going to try this one more time before I seek legal action!! The account reporting on my credit file from LVNV  is being reported on my XXXX credit report TWICE!! The LVNV  account for {$550.00} account number XXXX is posted to my XXXX credit report TWICE. I said this twice because their investigation is coming up short both times because they are NOT addressing my issue. I have attached a copy that XXXX claims they verified that clearly shows after an investigation the duplicate accounts are still posted. This is a violation of my rights by both XXXX and LVNV. If this isn't corrected I will be forced to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports | U.S. Code | US Law | LII / Legal Information Institute.

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. 

Hard Inquiries Unauthorized XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX - XX/XX/2022 2022

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