vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 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: MI

Complaint narrative:
In Accordance with the fair Credit reporting act. This List of account below has violated my federal privacy and confidentiality under 15 USC1681. 

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 A section 2 : It also states a consumer reporting agency can not furnish a instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a person knows or has reasonable cause to believe that the information is in accurate.

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 2023-02-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted several electronic disputes and written disputes to Equifax with no responses. I submitted electronic disputes to Equifax disputing inaccuracies and errors on accounts from XXXX XXXX XXXXXXXX electronic confirmation XXXX and XXXX XXXX XXXX- electronic confirmation XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and recently via certified mail XX/XX/XXXX. The certified mail dispute was confirmed received and signed for by Equifax XX/XX/XXXX. To this day I have yet to receive a response from from Equifax concerning the " Reinvestigation '' of my disputes. I have come to the conclusion that the Furnisher and Equifax are in violation of my rights under the Fair Credit Report act. " Section 1681s-2 ( b ) ( 1 ) of the FCRA states that a furnisher of consumer information must conduct an investigation of disputed information upon receiving notice from a consumer reporting agency ( CRA ) that the consumer has disputed the accuracy of the information. '' Equifax and the furnisher have failed to respond and investigate my disputes and the accounts must be removed from my file. I also filed a complaint with CFPB against the furnisher XXXX XXXX XXXX. Per the response from the furnisher, they claim that the information being reported to the credit bureaus is accurate. However, that is false and not true. The information that the furnisher is submitting across the board to the three major credit bureaus XXXX, XXXX, and Equifax is not consistently accurate, riddled with errors, and not being reported correctly. It is the credit bureaus responsibility to have the utmost " 100 percent accuracy '' of information displayed in their consumer credit files. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax and the furnisher has failed to maintain utmost accuracy in credit reporting. Which has violated my rights under the Fair Credit Report Act. The FCRA requires credit bureaus to post in the remark comment section account information is disputed by consumer within five business days of receiving the dispute. I have filed several confirmed disputes with Equifax and furnisher and they have failed to comply. According to the Fair Credit Reporting Act these accounts must be removed from my file if the data is not fair and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The Credit Reporting Agencies are failing to do what is required of them. Please see attachments.

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 2023-02-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21 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: FL

Complaint narrative:
XX/XX/2021 I bought tickets with Jet Blue to XXXX XXXX that were non refundable tickets so I bought travel insurance which was charged to the Barclay 's bank credit card associated with Jet Blue. One of my family members XXXX XXXX and I cancelled the trip. When I called Jet Blue they said the tickets were non refundable tickets upon which I replied yes but I have travel insurance. I called Barclay 's and initially they refunded the money but then they sent me a letter stating that the merchant had not violated the terms and conditions. This was not true since I had purchased trip insurance through Jet Blue as well on the same transaction. They finally sent my account to XXXX XXXX XXXX XXXX to try to collect on the account.I have never failed to pay anything but I feel this account was incorrectly handled. I tried to correct it on my own but have failed. I would appreciate any help I can get to resolve this matter and get it off my record.

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 2023-02-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
we refinance our mortgage, and did not add the other parcel account to my account therefore, we have to come up with large amount of money {$9700.00} for escrow account I was not inform until 30 day 's before my mortgage is due in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance XXXX {$3500.00} XXXX XXXX XXXX  XXXX Balance : - XXXX CARD Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance : {$94.00} XXXX - CARD SERVICE Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
On XX/XX/23 I attempted to deposit {$260.00} cash through a US Bank ATM using a non-USBank card. The ATM malfunctioned and produced a reciept stating it was rejected, and the cash was not returned nor the funds added to my checking account. I immediately went inside and was told to call their customer service number. I then proceeded to talk to customer service, the dispute line, and somehow ended up with the employee line for US Bank ATM problems. They told me I would not receive my funds unless I filed a dispute through my bank XXXX XXXXXXXX XXXX ). I then called my bank, who began to file a dispute. They were unable to, as the transaction did not even appear on my bank statement as a declined transaction. My bank physically can not file a dispute on a charge that is not on my statement. Even so, I filed one anyways and went through the whole process only to have it denied due to not being on my statement. I then called XXXXXXXX XXXX customer service, who still agreed to file an escalated dispute on top of the original one. This one was also denied. 

The day it happened, I went into the bank and spoke to the manager who was very helpful. He documented my name, address, and all details of the situation for his records. He then said he would email me copies of the ATM count showing it was {$260.00} over, as well as email US Bank corporate on his end, which he did the following Thursday after the incident.

I have the receipt from the transaction, the ATM count as a PDF and a copy of the email from the bank manager, all other communications between me and the bank manager, and proof that the funds were not returned to me through my bank statement. I have been dealing with this for nearly two months. I have
called endless time and emailed multiple times, having records of all email correspondence. I am paycheck to paycheck, and this is a lot of money to be taken and not returned from me. I am not sure what to do now, but I am continuing to try and file ANOTHER dispute. US Bank customer service has been nothing but rude and unsympathetic to my situation, and have provided no help whatsoever, aside from the bank manager at the location.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 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: MI

Complaint narrative:
The Credit Reporting Agencies are failing to do what is required of them. Please see attachments.

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 2023-02-21 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: MI

Complaint narrative:
The Credit Reporting Agencies are failing to do what is required of them. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. following XXXX XXXX  XXXX XXXX Balance XXXX  ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX  ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  {$1600.00} ; Bankruptcy XXXX XXXX-dismissed Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX : Bankruptcy Date Filed XXXX. 
XXXX, XXXX Reference Number XXXX ; XXXX XXXX Bankruptcy : Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am a victim of identity theft and i mailed this letter to the company and i went on the company website to send this letter. and when i did. i was violated because i am sending a cease communication and the ONLY way for me to submit the email was to consent for communication. and there was NOT an OPTION to opt out on ALL COMMUNICATION with the COMPANY. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : XXXX Dear XXXX XXXX XXXX, I am responding to your contact about a debt you are attempting to collect. You contacted me by PHONE, on XX/XX/2023 AT XXXX XXXX CST and MAIL dated XX/XX/2023. You identified the debt as LVNV FUNDING LLC. 
Please CEASE all communication with me and with this address about this debt. 
Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
Mr cooper is collecting a debt not owed by XXXX XXXX by attempting to seize her property and mine that we hhave owned for over 15 years. They have provided NO VALIDATION NO VERIFICATION of DEBT, it is not owed by us the bank needs to collect from the debtors XXXX and XXXX XXXX XXXX for that debt that is not ours. Cease collection activities form an innocent senior just because you can play a tactical legal trick on a defenseless womna does not mean you have to abuse her It is the law not to do that. it is protected under usury law and under FDCPA We tried to work with you in good faith and all we got is deceit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: CA

Complaint narrative:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX CARD XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX CARD XXXX Balance : {$16000.00} XXXX XXXX Balance : {$9100.00} XXXX CARD XXXX Balance : {$4000.00}

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 2023-02-21 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: NJ

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX/TransUnionXXXX  consumer report Dispute Student Loans Student Loans amounting to XXXX of 8 accounts The current status of my account is not correct It states that I have late payments as of XXXX XXXX, 2022, that is not true. I have deferred the payments and have no payment due, see attached documentation from XXXX. There is no payment due. 
Can you remove the late payment tag? 

I have attached a copy of my report with the accounts in question below. 

Thank you for your assistance. 

Sincerely,

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 2023-02-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX/Experian consumer report Dispute Student Loans Student Loans amounting to XXXX of 8 accounts The current status of my account is not correct It states that I have late payments as of XXXX XXXX, 2022, that is not true. I have deferred the payments and have no payment due, see attached documentation from XXXX. There is no payment due. 
Can you remove the late payment tag? 

I have attached a copy of my report with the accounts in question below. 

Thank you for your assistance. 

Sincerely,

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 2023-02-21 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX  XXXX XXXX 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