vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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: FL

Complaint narrative:
According the the FCRA 15 USC 1681, everything must report with 100 % accuracy on my credit report. I sent a letter to Equifax on XX/XX/22 asking them to " investigate every piece of information '' on the accounts listed below. Equifax claimed that everything was ACCURATE. However, these accounts are still not reporting 100 % accurate because Equifax did not do a proper investigation, as requested, per the FCRA. I feel like my disputes are not being taken seriously, and my federally protected rights are being deliberately violated. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' Equifax clearly did not do any of this! 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) clearly states that if ANY items are found to be inaccurate or can not be verified the reporting agency shall promptly delete the information from the file of the consumer immediately. I will attach my previous letter to Equifax AND I will attach my credit report showing the inaccuracies that are still reporting. Equifax needs to follow the law and act ethically, or we will seek litigation and {$1000.00} per violation for the financial stress they have caused me. ACCOUNTS : 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. XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX has violated my rightsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. Attached is my credit report SHOWING they did not do a proper investigation and are still reporting bad information, I will also attach the tracking number for the letter I sent them asking them to make sure everything is 100 % accurate. These credit bureaus need to be held accountable! They are reporting major inaccuracies and harming my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
XXXX  months ago approved for loan mod with Mr. Cooper. However, they added my ex wife as a borrower and she never was on the mortgage. Now, ive sent divorce paperwork, the quit claim deed numerous times at their request, but they still insist she sign a mortage she never was on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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:
I have previously attempted to have inaccurate information removed from my consumer profile due to the timeframe being more than 7yrs as outlined by 15 usc 1681 ( a ) ( 5 ). I received mail confirmation of actions taken by Transunion but have not seen this reflected on my most recent XXXX merged report ( which I have attached below ). These late payments were supposed to be verified by Transunion by how they could have done this with differing information on my credit profile still. Date opened, credit limits, high credit, last reported, date last active, and date of late payments ( which was the original issue late payments ). These inaccuracies have impacted my life since XXXX and Ive even paid on them to have my life unjustly affected due to negligence. 
These are my pervious complaints : XXXX Transunion 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 2022-08-05 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX Acct XXXX XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states that I have a 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 instructions I sent a dispute for accounts that were included in my divorce as well as copies of my divorce decree. There are also inaccuracies across credit bureaus. The accounts were not removed nor were they properly investigated. I asked for more information about the investigation process and what steps they took to confirm I was responsible for these accounts. I was just sent another letter saying the invest

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 2022-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX  has tactics that involve illegal and harassing practices. Exempt monies in my back account have been frozen. I dont have paperwork with dates or legal signatures on them. This attorney is trying to take over XXXX XXXX XXXX  of my savings that came from XXXX XXXX benefits social security back pay that I received after years of fighting for.

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 2022-08-05 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:
After several attempts over extended periods of time where the credit reporting agency has had plenty of chances to correct their errors, they have not. Furthermore, they continue to violate my rights as a consumer and have cost me the fair opportunity to accurate credit reporting. I am now submitting my request for payment of these violations and blatant proof of their deliberate ignoring of the laws. I attached proof of laws that are being violated along with the accounts. Please assists me in putting an ending to this matter. 

Attached is my formal requests along with before and after most current investigation request results.

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 2022-08-05 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
In accordance to the fair credit act Credit Acceptance account number XXXX, has been 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 of consumer reporting agency can not furnish an account without my written consent

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 2022-08-05 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: FL

Complaint narrative:
I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so.Please investigate my disputes, please. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAL 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 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 2022-08-05 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I have spoke with this company multiple times, i set up monthly payments of {$150.00} a month which i was paying, i had to unfortunately had to get another job, which I'm am making way less then i was, i called them immediately upon starting my new job and let them know i could pay {$50.00} a month without putting my family in a financial burden. They refused the payment and said they wouldnt take anything less then {$200.00} a month which i can not afford, and also which was way more then i was originally payment, i was told they would bring me to court and garnish my wages. This debt is XXXX XXXX XXXX. i told them again i can only afford {$50.00} a month and IF i was able to pay more in the future i would, again the REFUSED my payment. I can only afford {$50.00} a month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I ordered a XXXX XXXX 's heated vest in XX/XX/2022. I received the vest early XXXX and it did not fit and did not heat. There was only a small card in the package that said " Contact Us '' with an email address " For all questions concerns or warranty exchanges ''. I contacted them on two separate occasions for instructions on how to get a refund and instructions on return of the vest. Received no response. I then left 3 messages on the phone number listed on their website. After filing a claim with Barclays bank, they gave me a refund while they disputed the claim. I then heard back from Barclays that they contacted the vendor and charged my account back for {$80.00} as I did not return the vest and " Chargeback Reason is Not as Described or Defective Merchandise/Services. Merchandise or Service matched what was described. ". I then wrote to Barclays after speaking with a Rep on the phone and they told me to document the claim and fax it to XXXX. I did that and never heard back from them either. They still have not refunded my money. I have documentation of the emails and letters. I should not be responsible for defective merchandise. They indicated that it was not defective, but if they don't have the merchandise how can they make that claim?

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 2022-08-05 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: GA

Complaint narrative:
I have disputed inaccurate information on my consumer report since XXXX  and have been told my by XXXX, Equifax, and XXXX that they have conducted verification and validation process. However, that is not the case. In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose. 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

How are they reviewing my file when a computer generator system determines the validity of letter versus human? 

Unfortunately, every time that I call them the response is the creditors information is accurate. I have sited multiple infractions from the credit agencies as far as inaccurate information to not having consent to report my information. 

Basically nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: MD

Complaint narrative:
Equifax has assumed its vital role pursuant to 15 USC 1681 ( a ) ( 3 ). Equifax has not been exercising its grave responsibility with fairness, impartiality, and respect for my consumer right to privacy pursuant to 15 USC 1681 ( a ) ( 3 ). Equifax has not used reasonable procedures in a manner that is fair and equitable to me as a consumer pursuant to 15 USC 1681 ( b ). I want all accounts and inquiries deleted from my consumer report IMMEDIATELY pursuant to 15 USC 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: TX

Complaint narrative:
After several attempts over extended periods of time where the credit reporting agency has had plenty of chances to correct their errors, they have not. Furthermore, they continue to violate my rights as a consumer and have cost me the fair opportunity to accurate credit reporting. I am now submitting my request for payment of these violations and blatant proof of their deliberate ignoring of the laws. I attached proof of laws that are being violated along with the accounts. Please assists me in putting an ending to this matter. 

Attached is my formal requests along with before and after most current investigation request results.

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 2022-08-05 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: NJ

Complaint narrative:
I am the victim of identity theft. Someone opened a credit card and applied for credit using my social security number. Equifax has been sent a copy of my driver 's license, W2, utility bill, identity theft police report, and a notarized FTC Identity Theft Victim 's Complaint and Affidavit numerous times and refuses to delete the fraudulent inquiry made by XXXX, on XX/XX/2022. I finally received a letter from Equifax, dated XX/XX/2022, that indicates the inquiry had been deleted. I checked my credit report and it remain under the hard inquiries. I called Equifax, on XX/XX/2022, and the indicated they would correct the issue. I received my report and received the following response : following " inquiries are a factual record of file access and will remain on the Equifax credit file 2 years from the reported date of inquiry of XX/XX/XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I did not consent to anyone to pull a hard credit report for any reaseon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I had complained in the past, case number XXXX. 

This company, without giving nay proof, gave statement to you guys to get the case closed. As per their statement, I never received any document. You should ask them to send you guys their documents and attached it here in this complaint. 

This was company 's response, but never Any Document was received by me. They need to send the Document to you guys. The client they are claiming, I had contacted them, they didn't have any past due record. 

" Company 's Response We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX XXXX and XXXX, is a provider of emergency room physician services at XXXX XXXX XXXX XXXX XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$1400.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer 's minor child on XX/XX/XXXX. We have verified with our client that he information being reported is accurate, and have reported the account as in dispute with the credit bureaus. We have requested that validation of the debt be mailed to the consumer. '' Need to be stopped.

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 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. 
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ).

Company response to consumer: Closed with explanation