vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX company has not reported my two paid off auto loans to Experian credit bureau They have reported them to XXXX and XXXX but not Experian. 

It has been one year of me emailing XXXX XXXX management employees XXXX XXXX ( XXXX ) I have been told over and over the next month the two paid off auto loan account numbers XXXX and XXXX will report to my Experian but they still have not. 

It is unfair that I paid off 2 cars 100 % on time payments but am not getting credit for it by Experian.

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 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ONLINE COLLECTIONS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: NJ

Complaint narrative:
I am not liable for this debt with FIRST FEDERAL CREDIT C plus they did not provide me with the original application like I asked. 

Account No : XXXX XXXX XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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:
On XX/XX/2021 I sent a dispute letter to XXXX, Trans Union, XXXX  about my consumer credit report. Under 15 USC 1681b Permissible Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, XXXX, TRANS UNIION any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. Concerning the accounts listed below as a consumer, I am demanding a deletion of this account.

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 2021-07-22 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:
On XX/XX/2021 I sent a dispute letter to Equifax, XXXX XXXX, XXXX  about my consumer credit report. Under 15 USC 1681b Permissible Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, EQUIFAX, XXXX XXXX any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. Concerning the accounts listed below as a consumer, I am demanding a deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX/XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2021-07-22 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: MA

Complaint narrative:
XXXX, XXXX, and Equifax are in violation my consumer rights. I sent a letter on XX/XX/XXXX. Explaining how my consumer rights were violated pursuant to the Fair Credit Reporting Act [ 15 U.S.C. 1681b ] Permissible Purpose of consumer report. I did not give any of the above-mentioned companies the authorization to furnish my credit report and I am demanding the removal of all the unknown collection accounts that I have listed in the attached letter. Also there is no information regarding where the fraudulent collection accounts are from which is a violation [ 15 U.S.C. 1681s-2 ]. Responsiblities of furnishers of information to consumer reporting agencies.These accounts are sitting on my credit report without any proper validation and no consent from me as the consumer and natural person. Please delete the unknown and fraudulent collection accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/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 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
This debt is a result of identity theft and I need it deleted from my credit report. I have sent out letters repeatedly and got no response.

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 2021-07-22 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: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: Phoenix Financial Services LLC
State: NY

Complaint narrative:
I reach out to XXXX  to check on a new collection on my credit report. They investigated but did not really give me information as to why it met requirements just that it did. It also flag my report again for the same collection and by doing this brought my credit down for a total of over 50 points. I will like help solving this issue. I should not have the one collection flag twice and bring myself credit score down twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My student loans should be discharged because I was lied to by XXXX XXXX XXXX. They took advantage of me because I am a Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: PA

Complaint narrative:
Regarding transaction # : XXXX On XX/XX/2021, I remitted money to XXXX through Xoom XXXX Transfer service. They told me through electronic confirmation that money has been transferred and transaction is completed. The recipient told me that the money has not been received. I contacted Xoom and they told me that the money has been transferred. They wanted me to provide a copy of the bank statement of recipient. I provided it. They wanted to me provide another bank statement with all entries in there to prove that funds were not received. I provided that to them. After that, I did not hear anything from them. I have written to them several times with response from them. I am concerned that someone engaged in fraud. Money can not disappear in online transactions just like that without fraud and Xoom refuses to pay me back my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suttell, Hammer & White, P.S
State: ID

Complaint narrative:
I XXXX XXXX a federally protected consumer was sent a collection notice from SUTTELL & HAMMER ATTORNEYS AT LAW on XX/XX/XXXX. SUTTELL & HAMMER ATTORNEYS AT LAW has threatened me and used abusive tactics in their letter sent to me, which I did not give them permission to send me in the first place.

SUTTELL & HAMMER ATTORNEYS AT LAW has violated federal law when they sent a bill to my home saying that I owed them {$2000.00}. They violated my consumer rights right there pursuant 15 USC 1692b. They also violated 15 USC 1692b ( 5 ), 15 USC 1692B ( 2 ) 2 TIMES and 15 USC 1692c ( by sending the letter to my home ). 15 USC 1962 TWO TIMES, 15 USC 1692E ( 10 ) FOUR TIME and 15 USC 1692E ( 3 ). There was no proof in the letter that said alleged debt was owed, just some nonsense about XXXX, XXXX being the creditor, with no factual evidence to back it up. 
I am suspecting this is identify theft on my end. I sent them over a debt validation letter along with a cease and desist and a affidavit of truth along with a {$10000.00} invoice for their violations against me. This was all sent via return certified mail sent on XX/XX/XXXX and an individual received this on XX/XX/XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I have been disputing items on my credit report since XX/XX/2021 with TransUnion, XXXX  and XXXX. To date I've never received any documentation from TransUnion, XXXX, or XXXX with verification and reinvestigation of the items in question as requested. Instead, TransUnion XXXX and XXXX continue to report obvious inaccuracies on my credit report and because of this it has caused harm to my credit worthiness. I'm also attaching the dispute letters sent to TransUnion, XXXX, and 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 2021-07-22 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: SC

Complaint narrative:
On XX/XX/2021 Transunion received documents from me disputing several accounts and inquiries on my credit report. Transunion has not removed all of the accounts and inquires that I requested them to remove due to them being wrongfully reported. I have sent Transunion documents notifying them of their default and requesting them to remove the remaining accounts and inquiries. I will attach all documents

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 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I refinanced my mortgage loan with Mr Cooper ( close date of XX/XX/2021 ). I was told I would receive a refund check for prepaid interest within 21 days. 

After not receiving anything from Mr Cooper, I contacted them ( appx XX/XX/XXXX ) and was told a check has been issued on XX/XX/XXXX. After informing them that I never received the check they said they would place a stop payment on the check and issue a second check via XXXX XXXX. 

After not receiving the XXXX XXXX  shipment I called again. Mr Cooper said they mistakenly issued the shipping tags but did not mail a check. They then asked me to send a copy of a voided check vie email ( which I did on XX/XX/XXXX ) and they would issue the funds to my bank account electronically. 

After not receiving the electronic delivery I called them again XXXX XX/XX/XXXX XXXX. Im getting the run around from this company over a relatively small amount of money. 

I find it ironic that after having a mortgage loan with them ( AND NEVER MISSING A PAYMENT OR BEING LATE ON A PAYMENT ) theyre having such a hard time paying me within the legal parameters to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I had an accident the beginning of XXXX which in the same week my insurance company dropped Bridgecrest the {$28000.00} to be exact it is now week six and Bridgecrest is still holding my money for my overpayments every time I call I get the runaround I was first told 7 to 10 business days that came and gone then it turned into 4 to 6 weeks now here we are the sixth week and theyre still holding my money they got way more than what I paid for the truck none of their employees know what theyre talking about every time I called Ive gotten a different story a different time frame a different process I am a XXXX mother of XXXX children XXXX being a toddler XXXX being an infant neither of which I can get to the grocery store or doctors appointments or nothing for that matter because they refused to release my money so I can move on with my life and get another vehicle from experience find another company!!!! Now here it is almost 2mnths later still no updates still no refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have reached out to Capital One Bank several times to have the information being reported removed as it is reporting inaccurately. I have given several chances to have the information verified and proof shown and this has not happen. First letter went out XX/XX/2021, second went out XX/XX/2021 and third went out XX/XX/2021 and all I have received is that the information was completed over the phone which does not show contractual proof the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I spoke directly with the consumer reporting agencies on XX/XX/2021 & XX/XX/2021 after noticing multiple new inquiries on my consumer reports and was instructed to contact the 'creditors '. After doing so, no accounts were found using my credit card number ( social security card ) but no person was willing to remove the inquiries pursuant to 15 U.S. Code 1681c2, 15 USC 6802, or otherwise.

Company response to consumer: Closed with explanation