vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-02 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the actions of a debt collector, Resurgent Receivables, who has been violating my rights and causing harm to my credit reporting. The debt collector in question has been reporting a debt that I do not owe, which has caused significant damage to my credit score. 

I request that the CFPB take immediate action to rectify these violations of the law and provide extensive remedies for the harm that has been done to me. The following laws support my claims : The Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. 1692 et seq., prohibits debt collectors from making false or misleading statements about a debt, including the reporting of a debt that is not owed. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requires debt collectors to accurately report debt information to credit reporting agencies. If Resurgent Receivables is reporting a debt that I do not owe, they are violating this law.

The Michigan Collection Practices Act ( MCPA ), Mich. Comp. Laws 445.251 et seq., requires debt collectors to be registered in the state of Michigan before they can collect debt. If Resurgent Receivables is operating illegally by collecting debt without being registered, they are violating this law. 

I respectfully request that the CFPB investigate this matter and take appropriate action to rectify the violations of these laws and provide remedies for the harm that has been done to me. I would be happy to provide any additional information or documentation that may be necessary to support my claims. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 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 2023-02-02 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: CA

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 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 2023-02-02 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-02-02 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I see a lot of account and inquiries on my XXXX credit report I got off a call with XXXX  fraud department and they recommended to file this complaint here

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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:
XXXX XXXX IS MISTAKENLY REPORTING A DISCREPANCY ON MY CREDIT AND HAVE ACTUALLY CAUSED MORE DAMAGES TO AFTER I HAD TRIED TO FIX THE ISSUE THE FIRST TIME. I FIRST SENT A DISPUTE TO XXXX XXXX ON XX/XX/2022 TO RECTIFY AN INCORRECT BALANCE THEY WERE REPORTING. I SENT A DISPUTE LETTER AND PROVIDED PROOF OF MY SETTLEMENT PAYMENT. AFTER XXXX XXXX INVESTIGATED, THEY FAILED TO FIX THE ISSUE. IN FACT, XXXX XXXX  ACTUALLY STARTED TO REPORT A DUPLICATE TRADELINE. ONE TRADELINE IS REPORTING TO XXXX  BUREAUS WITH A XXXX  BALANCE WHILE THE DUPLICATE TRADELINE IS REPORTING TO XXXX  DIFFERENT BUREAUS WITH A BALANCE. THIS IS CAUSING MORE DAMAGES TO MY FINANCES, CREDIT AND CAUSING ME MISSED OPPORTUNITIES. I KINDLY ASK THAT XXXX XXXX BE DELETED FROM MY CREDIT COMPLETELY OR HAVE THE ISSUES RECTIFIED ASAP.

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 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NE

Complaint narrative:
Within the last couple weeks, I attempted to refinance my home mortgage. My lender ordered an appraisal of my home ( at their direction and expense ) and was subsequently unable to approve the refinance. I have owned the home approximately 21 months and made timely payments with my lender throughout. The appraisal verified that my current XXXX is less than 75 %, but I am told they still " can't '' remove the PMI on my loan. I would like to appeal this and have the PMI removed.

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

Complaint narrative:
Today, XX/XX/XXXX. I tried again to fix this account which Ive been having problems from a couple months back. This is really affecting my personal life and also giving a really hard time for me and my family. This account is not accurate. Its not mine, I called them and confirmed that they have my birth date as XX/XX/XXXX. And I asked EXPERIAN and XXXX to do a full investigation on this account. They came back with it as confirmed which tells me THEY DID NOT complete a full investigation according to the FCRA. For instance I please ask for this account to be PERMANENTLY DELETED from my credit reports. Besides it was already deleted from my XXXX credit report. But not from the before mentioned bureaus. they violated my rights not once but a lot of times by taking more than 30 days to respond to my first complaint and then not completing the investigation how I asked them to. 

Besides for extra evidence of this account with many errors I attached a screenshot of my credit report where it says the account was also paid off in full since 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 2023-02-02 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: DISCOVER BANK
State: NJ

Complaint narrative:
I see a lot of account and inquiries on my XXXX credit report I got off a call with XXXX  XXXX  XXXX  and they recommended to file this complaint here

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
I see a lot of account and inquiries on my XXXX credit report I got off a call with XXXX XXXX XXXX  and they recommended to file this complaint here

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is following my former complaint # XXXX which never was resolved. 
After the last response they provided to my complaint mentioned above, I did not get any other response despite of several efforts to contact them. 

There has not been any update, email, text message, mail, etc about this issue until on XX/XX/2023 that I realized all blocked fund in my account have been withdrawn without any description/explanation. Again after trying to reach out to any customer service representative on capital one bank, right after giving my information I got forwarded to a voice mail for litigation department and never been responded/called back by them following leaving messages which made me really concerned about a probable fraud incident. 
Finally I could get help from a helpful representatives in Capital One Cafe who talked to the litigation department over the phone on my case for me and I realized that my funds are sent to the state through " Escheatment '' process and regarding " The way the account was closed '' no one have access to any further information to provide me. 

I started to follow up with the State of california department for unclaimed properties and as as of XX/XX/2023 there has not been any report that matches with my information or even there has not been any reported amount of funds that matches my case. 

I need to be given below information. 

- To which state my funds is sent out, The date submitted, The name reported as the owner of property, the exact amount, the standard " property type '' code used in report and any other information that I need to locate/find the case and claim it. 
- The outcome of the investigation and the reason and the law/legal basis that is practiced to take final measure which was " Escheatment ''. 
- The reason why I have not been responded back in any manner, If I am a red flagged customer that should be transferred to the litigation department, I still need to be provided with some " Answers '' or " Clarification '' on my situation somehow instead of being flagged and blacked out. If I have committed any illegal action, I need to be forwarded to court or any other legal authority based on law, otherwise my rights as a citizen should be fulfilled. I need to be informed the laws and legal basis that I got blacked out based on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: LA

Complaint narrative:
They are saying I am 90 days past due, they are saying I owe XXXX. I made a payment last month. When I got the car repossessed the first time I paid over {$2000.00} to get it out. How did over {$1000.00} in fees get accrued from that time. I paid {$2000.00} XX/XX/XXXX and have been making payments ever since. It seems that the money is not going to the principal or payment that is due. I am under constant threat of repossession and have they have yet to explain what these fees are for. When its said and done I will be paying XXXX for a XXXX car and I wonder where all my payments went if I still owe that much. Something is going on and its isnt right. I am an XXXXXXXX XXXX XXXXXXXX veteran and I feel I am being discriminated against and taken advantage of. This situation is making my conditions worse. Stressing over something that I know isnt right. I seek justice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX,2022 I got a call from someone who stated that they were with wells fargo fraud department and they needed my address and date of birth to verify my account as someone named XXXX had stolen my identity and opened up a wells fargo account in my name. The person stated that that the police had caugto XXXX XXXXXXXX and that I would be contacted due to the identity theft and fraud activity. Once i gave the person my name, date of birth and house address I immediatly got an email that a credit card from wells fargo had been opened up in my name and I was beyond XXXX off because the person that called me pretendig to be wells fargo was a scammer who used my information to open a wells fargo credit card in my name. I immediately looked up wells fargo credit card department on line and told them what had just happned and they verified that I had been scammed as someone had opened up a wells fargo credit card in my name and it was identity theft and I never applied for a credit card so now I have a hard credit inquiry on my credit reports regarding this. I immediatly told wells fargot to close the account, dont send out a credit card and to make sure that the scammer cant acccess anything on my credit report. I also placed a credit freeze on my XXXX XXXX  and XXXX reports so that the scammer couldnt open anymore account or cards in my name.

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 2023-02-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Used credit card on XX/XX/XXXX for {$13000.00} to a vendor named XXXX XXXX  for concrete work at our home. Vendor did not supply services as contracted despite being paid. Filed a dispute with Citibank on XX/XX/XXXX for vendor not delivering services after vendor stopped working on job. Vendor indicated they did not have our money any longer. 

Citibank opened an investigation ( dispute XXXX ) and issued a conditional credit pending outcome of investigation. 

Citibank replied to me with a letter via their internal messaging system on their website, which I did not see, with a respond-to date of XX/XX/XXXX for supporting documentation. When I saw the request on XX/XX/XXXX I immediately called their customer service dept to explain what happened and we told to simply responded to the request and it would be fine. I responded with two .pdf 's with the information they needed to support the fact that XXXX XXXX  did not perform the work they were paid ( {$13000.00} on Citibank card ) to do. 

Citi then posted a letter on their internal messaging system that I had missed the deadline and they reversed the conditional credit. This letter was dated XX/XX/XXXX. 

I communicated many, many times with their dispute center and was told that the investigation was in-fact still open and a decision would come in 7 to 10 days. Each time I called I was told the same thing ; 7 to 10 days. 

On XX/XX/XXXX I send a release of claim of the money from the vendor, XXXX XXXX, to Citibank and discussed with their dispute center. The dispute center said it was an open and shut case in my favor based on this letter from the vendor on their letterhead. 

The last communication I had with their dispute center was XX/XX/XXXX and I was told that the investigation still continues and there is nothing they can do. They told me to communication to the dispute investigators, again, and plead my case. I've not heard anything from Citibank since XX/XX/XXXX ; all of the followup has been initiated by me. 

I am filing this complaint because Citibank is not honoring their commitment to protect in this dispute with a vendor that clearly, and admittedly, did not perform the service for which I paid using the Citibank card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 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: TX

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 : # XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-02-02 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: TX

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 : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX 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 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