vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Report act, XXXX XXXX XXXX, has violated my rights. 
5 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-02-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION

Complaint narrative:
I have been trying, since XX/XX/2023 and again on XX/XX/2023 to explain to Regions Bank that I have yet to receive my new debit card, which expired XXXX. 
This happened a couple of years ago when my debit card was renewed. 
I live in XXXX. The bank has my XXXX  address, yet they seem unable to send me the new card without me having to make several phone calls to the U.S. and explaining the situation. The last time they ended up XXXX XXXX me my new card. 
I am a XXXX citizen and I have once again been without access to my funds for over two weeks. 
I explained several times to 3 different bank managers that I am unable to purchase food or gas or access my funds if I should have an emergency. Regions Bank seems unable or unwilling to assist me receiving my renewed debit card. 
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 non-monetary relief
Consumer complaint received 2023-02-15 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:
An accordance with the fair credit reporting act. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TX

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

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

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. 

XXXX XXXX XXXX Companies XX/XX/2022 is a duplicate inquiry and I have requested on several times now to have it removed but the company Experian has refused.

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 2023-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have a FHA loan. My loan was with XXXX XXXX and on XX/XX/2022 I was sent a post COVID forbearance modification. It said that my first payment was due XX/XX/2022. Beginning XX/XX/2022 I started calling XXXX XXXX XXXX to make the payment. XXXX XXXX XXXX would not accept my payment and they told me I had been transferred to XXXX. I did not receive a welcome letter from XXXX giving me a new loan number or a phone number to call. I continued to call XXXX XXXX XXXX and XXXX and neither lender could find my loan or would accept the payment. Finally I received my welcome letter from XXXX with my new loan number. I then made my payment in XXXX and XXXX to XXXX because I then had a loan number where they could identify my loan. I feel as though I lost an oppurtunity to receive FHA assistance that should have been available. XXXX is now stating that the modification is no longer available. I tried to follow the modification, however they sent it to me weeks before payments were to start with no indication of how to make the payments. I feel that the transfer between XXXX XXXX XXXX and XXXX made it impossible for me to adhere to the rules of the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX  Account number XXXX XXXX has violated my rights. Or list of inquiries 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 2023-02-15 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: IL

Complaint narrative:
I am writing in response to your recent communication regarding the debt collection for my account under the name of XXXX XXXX with the account number XXXX. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Specifically, I am requesting the following information : The amount of the debt owed The name of the original creditor The date of the last payment made towards this debt Proof of your authority to collect this debt Please note that until I receive the requested information, I am unable to determine the validity of this debt. Furthermore, I dispute the debt for the account number XXXX on the basis that it has been legally paid in full for less than the full balance. 

I also dispute the debt for the account number XXXX on the basis that it is seriously past due date and has been assigned to an attorney, collection agency, or credit grantor 's internal collection department. I request that you cease all collection activities until the requested information is provided and the validity of the debt can be determined. 

I would also like to request that any communication regarding this debt be done in writing, and that you cease any phone calls to me regarding this matter. Please be advised that any further contact that does not comply with the FDCPA will be considered a violation and I will take appropriate legal action. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2023-02-15 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:
These accounts are not authorized and not validated per FCRA and creditors are also aware. these must be removed due to ID theft FTC and ID/address attached : * Account : XXXX XXXX XXXX XXXX  Source of dispute information : accounts * Amount {$600.00} * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX XXXX XXXX  * Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account XXXX XXXX XXXX XXXX XXXX  Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX  * Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 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 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Received Citi card statement for {$30000.00} for XXXX/22XXXX/22. 
Paid online through XXXX XXXX XXXX Bank {$3000.00}. XXXX/XXXX/22. 
Charged again in XXXX with late fees {$72.00}. 
Citi lost the payment apparently. 
Finally, we received with Citi cards accepting responsibily and crediting our acount XXXX/XXXX/22. 
Paid final payment to cose the account {$140.00}. XX/XX/22 We have continued to receive late charges in a monthly which we have paid {$290.00}. 
My wife and I are XXXX XXXX XXXX and we pay our blls. Citi cards is attempting to take advantage of us.

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 2023-02-15 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: IL

Complaint narrative:
I discovered inaccurate information reporting on my Equifax credit report and disputed it. On XX/XX/2023, I requested an online dispute, via Equifax Dispute center and was giving two conformation # XXXX, XXXX and told that an investigation would be taking place. On the same day Equifax Information Servies claims to complete and verify 1of 2 of my disputed accounts less than a couple hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: PA

Complaint narrative:
An accordance with the fair credit reporting act. ( XXXX XXXXXXXX XXXX XXXXXXXX ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: PA

Complaint narrative:
An accordance with the fair credit reporting act. ( Child Support enf ag/n ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act " Impact XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 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: OneMain Finance Corporation
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 


ONEMAIN Personal Loan Companies XXXX XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

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. 

This is a duplicate inquiry and shall not be showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: NJ

Complaint narrative:
I am ready to sue Trans Union. I have been back and forth with them since XX/XX/2021 about multiple things on my report that should not be there. One of the main being a XXXX  reporting. I have sent tons of letters and proof from the court they do not give the bureaus this information and they keep " verifying '' it. Now I'm just completely floored at the lying they do and got a consultation at a workshop I went to from a lawyer who seems to think I have a case for damages. I have every single response from them claiming they " verified '' something and they didn't. I even asked multiple times for them to tell me how they verified something and they sent the same response. This is my last attempt this XXXX  and these other negative things are reporting UNLAWFULLY and I've had it. This has kept me from buying a house and Trans Union just thinks they can ruin people 's reputation. If it is not resolved NOW I will be retaining that attorney.

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 2023-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
CREDIT ACCEPTANCE is non compliant with METRO2 Format compliance as this company is aware that it is reporting an unverified auto loan account with my personal information to their system. Credit Acceptance is apart of a scheme targeting minorities with bad credit, and also by refusing to remove inaccurate information reporting on one 's credit report. Credit Acceptance also continues to threaten me with mail stating I owe a debt that is not unverified, and only reporting to one consumer agency XXXX who's also refusing to remove 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 2023-02-15 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After moving to Florida for work with XXXX XXXX on the XXXX of XXXX I was staying in my employer 's hotel chain on the XXXX of XXXX, resting from a illness I had contracted and was summarily robbed of my automobile and property while I was asleep in my hotel room, the theft included most all of my Debit and Credit cards and my identification. This theft was reported to the police immediately as found in XXXX XXXX police report # XXXX. After closing every credit card and debit card I own and scrambling to recover my life I filed the proper requests within a reasonable amount of time with my bank of 15 years ( Wells Fargo ) to refund me the funds that were stolen by the thieves. 

The bank, without legal or due process, denied my claim and added injury by accusing me of insurance fraud. The bank 's claim implicitly stated that I personally knew and supplied the thieves with my PIN and with my car ( which was never recovered or located by the police ). This astounding accusation couldn't be farther from the truth. It stated explicitly that since my PIN was used in the transaction at the bank, I had to know the person that used the PIN. This worries me as it highlights a significant weakness in bank security features and this information should be made for the public to know. Furthermore, I don't understand or was never made aware of the bank 's ability to deny claims without proper review or oversight. I was never even contacted about the claim. The bank 's ability to have " knowledge '' of my personal life is fallacious at best. I was also surprised to see that the transaction was made at a branch of the bank. I would need to find out whether the bank has security cameras in its ATMs because the review process would include watching the ATM security footage, I would assume. This suggests that the bank is grossly negligent in its findings. 

I attempted to resolve the issue directly with the bank explaining that I only know ONE person in Florida and I haven't physically been here long enough for those findings to be even partially accurate. Nor have I EVER shared my PIN with anyone. The the first time I called to resolve the issue the bank " couldn't get a supervisor on the phone '', and the second time " couldn't get a supervisor on the phone '' and then just hung up the call. 

The damages the bank has caused to my life through its negligence is significant. I request that the FDIC step in and use its authority to investigate how banks assess their own claims, whether I am a victim of negligence and discrimination from my bank as claims on my account are few and far between, and why they believe its legal to self evaluate and absolve themselves of wrongdoing as they are not a legal or governing body.

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