vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 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: AR

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The Account : XXXX XXXX XXXX with a Balance : {$5000.00} ; is showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: MI

Complaint narrative:
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 XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX o # XXXX XXXX XXXX XXXX XXXX # XXXX 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 2023-03-04 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 UCS 1681. 

XXXX XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX 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 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 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 2023-03-04 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: FL

Complaint narrative:
LVNV funding LLC my account ending in XXXX was sold on XX/XX/2023 effective XXXX/XXXX/2023 placed my account with Resurgent Capital services L.P for services In accordance with the fair credit reporting act XXXX XXXX Reference # XXXX has violated my Rights 15 USC 1681. Section 602 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
Received a call from Affirm at approximately XXXX PST. Representative supposedly from Affirm asked me to confirm that I was applying for a new credit card associated to my cellphone number. I confirmed that I was not. Representative sent me a text asking for a pin number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC
State: CA

Complaint narrative:
I have an attorney and I'm filing for bankruptcy. They have known this for months now. But I have still received calls and letters. I am XXXX XXXX XXXX and I have problems with a family member causing me great stress I do not want this stress too. please help. 
Thank you. 

This is from XXXX debt but the collector is NOT XXXX. XXXX would NEVER act like this! thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: NC

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account #, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 2023-03-04 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: 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 XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 2023-03-04 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: MI

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 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 2023-03-04 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: MI

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 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 2023-03-04 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: PA

Complaint narrative:
In accordance with the fair credit reporting and XXXX account 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 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. 

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 explanation
Consumer complaint received 2023-03-04 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: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
On XXXX, XXXX 2022 I closed on a home at XXXX XXXX XXXX in XXXX AL XXXX. My lender was XXXXXXXX XXXX XXXX. About a month after I received a letter saying my servicer was going to be specialized loan servicing care of XXXXXXXX XXXX. All seemed well. I had a credit score of XXXX in XXXX of 2022. Recently, my only auto a XXXX XXXX XXXX finally reached the XXXX mile mark and I spent a few weeks looking for a reliable used auto. I contacted my bank to pull credit and the lender a firm XXXX XXXX XXXX XXXX XXXX ( my bank ) said that your credit report does NOT show any history from or for a mortgage that you are describing. All that we see is student loans in forbearance and credit cards paid as agreed. I immediately contacted Specialized loan servicing in XXXX, Colorado and they told me after a two month blackout we have been reporting to all three credit bureaus. I returned to XXXX and told them what I was advised by Specialized loan servicing. XXXX said sir, we have your credit report. They are NOT reporting anything. Your credit score is XXXX and that basically means we can only approve you for auto loans at 18 % interest. XXXX XXXX  when questioned told me I must submit a letter in writing detailing my concern. They have not provided any evidence that they ever provided any credit reporting data to any of the 3 major credit bureaus. Consequently, if I elect to purchase the vehicle 18 % interest on {$30000.00} is an incredible risky hardship on a depreciating asset. This causes me financial concerns and raises suspicion that this firm is a predatory lender.

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 2023-03-04 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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 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 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 XXXX XXXX XXXX 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 right to privacy.

15 U.S.C 1681 section 602 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 2023-03-04 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: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2023-03-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened the Chase UA Quest Credit Card on XX/XX/XXXX. This Credit card comes with {$120.00} United Airlines Ticketct fee credit for each card anniversary year. When I plan my trip for XXXX this year, I am not sure what exactly the annual card anniversary year is defined in Chase, so I sent a secure message to Chase card service, and get confirmation that the annual card anniversary date renews each year at the same date of account opening date, which means the UA {$120.00} credit renewed each year after XX/XX/XXXX. The secure message from Chase confirmed this is attached to the complaint. Also, in Chase 's UA XXXX website, it clearly defined : " Anniversary is the date that is twelve months after credit card account open date, and the same date each twelve months thereafter. See the link : XXXX XXXX XXXX I also attached the PDF of the webpage and highlight in yellow ( at page 4 ). All confirmed that the UA {$120.00} credit should renew after XX/XX/XXXX, since XX/XX/XXXX is my account open date. However, Chase refuse to provide the annual UA {$120.00} credit to my purchase of UA air ticket on XX/XX/XXXX for {$120.00}. The response from Chase customer service is : the anniversary date is the account statement date, not the account opening date, so the annual credit renewal should be on XX/XX/XXXX, rather than XX/XX/XXXX. This is unacceptable, since first, I contact you at first to confirm the credit will be renewed after XX/XX/XXXX, then I planned my trip on early XXXX, otherwise, I will plan my trip in XXXX. Second, as I said before, on Chase UA XXXX  credit card website it clearly defined the " Anniversary is the date that is twelve months after credit card account open date, NOT the statement closing date. I have explained this several times to Chase customer support, and they are not willing to fix their mistake. This is fraud and please be consistent in what you are telling the customer, and fix your mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I have credit cards with Amazon, Sam 's club, and Lowes. They are handled by Synchrony Bank. I pay these accounts on-line and schedule payments to be paid on the due date. Synchrony has now started charging me a late fee because are using the date when they process the payment and not the date when the funds are paid and available. It is not my fault that they can not process the payment when it is paid and they take a day or two later to process the payment and then charge a late fee.

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 monetary relief
Consumer complaint received 2023-03-04 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: Convergent Resources, Inc.
State: IN

Complaint narrative:
I did not give you consent to contact me or to give derogatory remarks on my credit report. I am not liable for this debt. My debt is not Convergent Outsourcing with My debt is with the original company. I did not give you consent to contact me! You are in violation of my consumer protection rights. I did not sign and legal form with Convergent Outsourcing to attempt to collect a debt from me. 

15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) I did not give you permission to contact me in any way shape or form. 
I demand that you take all derogatory marks off all three credit reports or I will be forced to file legal action. 

Delete these accounts from my all 3 bureaus of my credit report immediately. And cease all communication via any forms of communication immediately. Also, all future attempts to collect this debt must stop. 

I dont have a written contract with your company to collect this debt and you have violated my rights for years. 

Please cease and desist all calls and contact with me, immediately! 

I DEMAND YOU STOP CONTACTING ME AND TAKE ALL DEROGATORY MARKS OFF ALL 3 CREDIT BUREAUS IMMEDIATELY!

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 2023-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
Sent in duplicate payment, Requested a reverse for the duplicate, payments of. {$2000.00} was submitted on XX/XX/XXXX and XXXX both in amount of {$2000.00}. 
XXXX XXXX XXXX called with me on the line to see if they were able to reverse at that time, they said no. I haven't heard anything since the call to them on XX/XX/XXXX. 
I would like to use one of the duplicate payment for my XXXX Mortgage and since I have had issue with this company prior. I wanted to assure that the payment would go against 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 2023-03-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
You are reporting deleted information from other bureaus so you must delete it from my Equifax credit report. Per FCRA, reporting must be 100 % accurate. The account is listed below : XXXX XXXX XXXX XXXX : {$10000.00}

Company response to consumer: Closed with explanation