vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
XX/XX/2023 a late payment was issued and Suncoast Credit Union did not walk me through to setting up automatic payments. In audio transcripts since XXXX no one has walked me through a process that is not easy. The procedure is very difficult to do and they never said it involved me NOT logging in to set up automated payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, Account # XXXX ( XXXX XXXX XXXX ) XX/XX/20 in the amount of {$1600.00} Account # XXXX ( XXXX XXXX XXXX ) in the amount of {$180.00} and Account # XXXX ( XXXX XXXX ) in the amount of {$140.00} has violated my rights. 

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

15 U.S.C. 1681 section 604 A ( 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 non-monetary relief
Consumer complaint received 2023-01-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX ) XX/XX/20 in the amount of {$1600.00} Account # XXXX ( XXXX XXXX XXXX  ) in the amount of {$180.00} and Account # XXXX ( XXXX XXXX ) in the amount of {$140.00} has violated my rights. 

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

15 U.S.C. 1681 section 604 A ( 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 2023-01-26 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: IL

Complaint narrative:
The past couple years XXXX. I've had disputed improper information reported on my credit report that has not been resolved. Equifax has personal information of mine that can used on the dark web and misused by those with I'll intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days This is a notice to remove late payments from my consumer report. 

In accordance with Fair Credit Reporting Act Laws, the creditor " XXXX  XXXX XXXX has violated my rights. 

Per Fair Credit Reporting Act Laws : 15 U.S.C. 1681 Section 603 d - Definitions ; rules of construction ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX This letter serves as a formal complaint.

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 2023-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Auto Credit of Southern Ilinois
State: IL

Complaint narrative:
I filed a complaint XX/XX/XXXX however I never spoke with XXXX XXXX I only spoke with XXXX however they repo the car today on XX/XX/XXXX I was asking for my papers on end of contract cause they now have the car back In their possession I have a contract with auto credit not XXXX XXXX however they never tried to negotiate a better contract and my signature was forge I can upload the contract that I had was never signed for auto payments in my policy I still have police report on filed I am requesting my end of contract paper work soon as possible because they were able to retrieve the car back in their possession they breach their own contract I did not because they receive payment beginning of XX/XX/XXXX I have documentation of that also thank you in advance

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV

Complaint narrative:
There is a XX/XX/XXXX foreclosure date set. We have been trying to do a short sale since XX/XX/XXXX. The home has been listed. The lender did an appraisal and the value came in at $ XXXX in XX/XX/XXXX. The agent has had the home listed and we have not gotten any offers close to that. We submitted 2 offers and the lender automatically denied them. We have requested that they order a new interior appraisal since the market has changed so much in the last 6 months. 
We were told the appraisal expired on XX/XX/XXXX but they refused to order a new one. 
We can show listing history, showing history and feedback to show this property is not worth $ XXXX like the lender wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX from the XXXX XXXX XXXX located in XXXX and a full coverage insurance policy via XXXX XXXX Insurance was offered to me by the XXXX XXXX  at my time of signing. I advised the finance XXXX that I did not wish to continue with XXXX XXXX XXXX after being advised on the cost of the insurance and was told that the policy was cancelled effective XXXX hrs after my request. With no further communication via writing or any other communicative method I was then notified by my credit monitoring monthly service In XXXX of this year, XXXX that a collection had been added to my credit report in the amount of XXXX via Credit Collection Services. I then contacted CCS as the listed debt collection agency and was advised that this debt collection was on behalf of XXXX XXXX XXXX. I then contacted XXXXXXXX XXXX XXXX and was advised that there is no cancellation fee for cancellations within 24 hours, however my request to cancel effective immediately was not honored by the finance department and instead I was charged inadvertently for this amount and then without notice or advisement it was placed on my credit in violation of FCRA 15 U.S.C.1681 Sec.3 and FCRA Section 615 ( b ) ( 2 ). I have exhausted all methods of resolution efforts available to me at this time and am now officially filing a complaint with the CFPB to address this issue as this disparaging information is causing me mental anguish, emotional distress, and economic hardship.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/2023 I called Elan at XXXX and spoke with XXXX at XXXX. 

I was calling to pay off my {$770.00} debt in full and to ask that my account be closed. 

XXXX informed me that she could not take my payment. That my payment " was not necessary. '' I asked to speak to the manager to have him/her take my payment. I was repeatedly told that Elan is unable to accept my payment and that the " payment was not necessary ''.

I told her that I was trying to buy a house and needed to resolve this debt because Elan reports the account on my credit report as a negative mark, reducing my credit score.

I pleaded with Elan to take my payment in full to no avail.

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 2023-01-26 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:
n accordance with the fair credit reporting act 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 an account without my written instruction.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Credit Reporting has many incorrect postings and has hurt my score to a point it has hurt my entire family.

They have things on the report that are not true, they have set me up in one of their payment plans that I am not allowed to cancel, there is no way to cancel. 
They never answer the phone, I had XXXX XXXX try to fix one of their errors today and they were so upset with Experian that they quit trying. 
Please help me, I am XXXX XXXX XXXX and a Vetran. 
Thank you so much. 
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 2023-01-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax 's decision to keep certain hard inquiries on my account is highly concerning. Equifax 's hard inquiries do NOT match those hard inquiries I see on my most recent credit report with XXXX and XXXX. Equifax did not provide proof of what the creditors provided back regarding the hard inquiries, also whom I also called and confirmed with each hard inquiry creditor, they do not know who I am and requested I file a complaint with the FTC and CFPB because Equifax did not investigate throughly, which is further proven again by my XXXX credit report and XXXX credit report. 

Confirmation number : XXXX XXXX  times does this investigation state " The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' - I did not authorize anyone to access my credit file, XXXX and XXXX confirmed that these hard inquiries do not exist on my recent credit report with them, respectively. 

Confirmation # XXXX 2 times does this investigation state " " The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' - I did not authorize anyone to access my credit file, XXXX and XXXX confirmed that these hard inquiries do not exist on my recent credit report with them, respectively. 

Please delete these hard inquiries I did not authorize anyone to access my Equifax credit report 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 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  Equifax did not do an investigation at all, I contacted all creditors and they stated that they had never access my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/22 XXXX XXXX XXXX added a collection on my Credit Report for {$120.00}. This collection does not belong to me. Upon further investigation. I went online to check the supposedly original creditor and saw the reviews of multiple people claiming this company damaged their credit in the same way and they had never been to this XXXX. and had no idea of this collection. This company is running a scam. I contacted all XXXX credit bureaus and XXXX was going to reach out to them. I wanted no contact with these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: HI

Complaint narrative:
Experian need to remove and delete late payments. They are not doing Their job at all. They have not sent me any proof at all. Under the FCRA, the burden of proof lies on Experian you are the one allowing fraudulent information to report on 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 2023-01-26 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: WI

Complaint narrative:
told me informations on all three bureaus are correct but its not all have conflicting accounts

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 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
I will like the original contract that I sign that state I will pay and also I need the address associate with this debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I had purchased a phone from sprint before the merger back a few years ago upon not wanting the phone I shipped XXXX back the phone. I have the shipping label for their tracking and they changed the amount owed on my account and put it in collections. It has ten been sold to two companies and I.C Systems , INC has the collection account now. I explained this to them and they could not provide me the contract that XXXX stated I signed to show that I was fully enrolled. The account only shows on my XXXX and if possible I would like this removed without payment because I sent back the phone that they charged me {$830.00} for in the past.

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 2023-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I requested the bank to investigate a vendor luka lah with XXXXXXXX XXXX XXXX XXXX formed in Wyoming. I paid for services and contract submitted payment and was scammed. I reached out to Ally bank by phone and emails multiple times trying to get a claim field and no answer yet. There is XXXX that I need to dispute and the vendor took the money and ran XX/XX/2022. Transaction amount {$4700.00}, XX/XX/2022 transaction amount {$10000.00}, final transaction was not wire but XXXX with the same bank. The vendor broke contract and ally said they would reach out in 1 to 2 business days its been almost 2 months since the initial contact

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Great evening I have a company called LVNV Funding LLC that reported a debt to my account. I do not owe this company any money. They are not the original creditors of the debt. This should have never been reported and it's affecting my credit profile. I reached out to the company and the first rep lied when I asked to speak with a supervisor, the second rep was unprofessional and laughed while I'm trying to discuss account with her, third rep was a lead that didn't help and fourth rep was a supervisor didn't do anything but try to dominate call telling me that this is legal to do when it is clearly not. There is no documentation that anyone can send that I owe LVNV Funding LLC any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and XXXX acct. number 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. XXXX XXXX AND XXXX was an account on my credit report that I deleted over 8 months ago, due to fraud and has not reflected on my EQUIFAX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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:
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 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. The afore mentioned accounts have violate my rights per the following laws : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent Capital One Bank a notice on XX/XX/2022 stating my consumer rights are being violated, due to late payments being reported to my credit profile and how it has coursed harm to me and my family, preventing me form qualifying for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I RECEIVED A LETTER FROM MIDLAND CREDIT MANAGEMENT ABOUT A CREDIT CARD THAT I DON'T HAVE ANY KNOWLEDGE OF AND SAYING THEY ARE CONSIDERING FORWARDING IT TO AN ATTORNEY. I'M ATTACHING MY CEASE AND ASSIST LETTER WITH THIS COMPLIANT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I got a notice from Cavalry portfolio Services , LLC XXXX XXXX XXXX XXXX Az XXXX. For a debt from XXXXXXXX XXXX. I never ever have any account of any kind with the said bank. I tried to call then to clarify but they insisted I should pay any way.

Company response to consumer: Closed with explanation