vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 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: AZ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 A. SECTION I. I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A.SECTION 2. STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XX/XX/XXXX {$960.00} XXXX XXXX  XX/XX/XXXX {$450.00}

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 2022-05-23 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number # XXXX XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The XXXX took {$50000.00} of my money across multiple credit cards in 2019, didnt deliver the product or service and have been leading me on for nearly 3 years to resolve it producing false promises to pay me back. The card companies will not help me saying it is out of their allowed time frame but Ive been trying to fight it for nearly 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: GA

Complaint narrative:
I sent XXXXXXXX XXXX a certified letter on XX/XX/2022 informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/2022 at XXXX. As of today XX/XX/2022 XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 
Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and Equifax is allowing this to stay on here. I am submitting this complaint as a record to show that XXXX XXXX and Equifax are not following the FCRA in the event I have to take further legal action. I expect this account to be deleted of my credit report IMMEDIATELY when Equifax and XXXX receives this complaint. It has been over XXXX since XXXX XXXX have received my letter. Also Equifax has added the XXXX alert to my file but still has NOT deleted the fraudulent activity that was reported. I will be attaching my police report and a few other documents with this complaint. Also I will be forwarding this complaint to the other Bureaus so they also can be on alert for this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: FL

Complaint narrative:
Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Names : XXXX, XXXX XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2011 XXXXXXXX XXXX  XXXX XXXX XXXXXXXX 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 2022-05-23 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: FL

Complaint narrative:
Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Name : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: VA

Complaint narrative:
I sent a letter on XX/XX/XXXX Tracking number : XXXX, XXXX. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX, XXXX, XXXX, XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days. I haven't received a response and verification 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DRB-40, LLC
State: OH

Complaint narrative:
On XX/XX/2022 I started receiving calls to my cell from a XXXX number which is not my area code so I did not answer thinking it was spam, also I was at work. It called 3 more times, again I did not answer. At XXXX p.m. someone near my desk answered and a female asked for me when the person who answered said he is not available this woman started to demand I be put on the phone and they better get me now. A bit later that number came across my direct work line and I did not answer it. Then it called my employers main office and demand they put me on the phone. The receptionist said all I can do is take a message. The person said she was XXXX XXXX at XXXX ext. XXXX from Diversified Recovery Bureau , LLC. I came home to numerous calls from the XXXX number being on my home phone. This is all after my attorney gave them a notice. I now have a meeting at my job tomorrow about the incoming calls that happened at my job today. I needed to make this complaint because if something happens to my livelihood I will need this complaint to take further actions towards the individual and the company. This was pure harassment. And there needs to be action taken against this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I was looking to increase the credit limit on my existing card with TD Bank. The existing limit was {$5000.00}. I called the customer service line and found that I could either request a limit increase that would take 7-10 business days or I could go to the local branch and apply for a second card, which would be returned the same day. With the second card, I could then merge the original card and the new one, returning to one total card. Also, the new card had better rewards, 2 % on all transactions, whereas my original card is 3 % restaurants, 2 % groceries, and 1 % everything else, or something like that. With this information, I went to the local branch on XX/XX/22. After speaking with both the rep in the bank and one on the phone, I apply and get the new card with a {$15000.00} credit limit. After I'm handed the card, I'm told that I will need to have a qualifying deposit account with the bank in order to get the full 2 % back, or I'll only qualify for 1 % back. I was not read the disclosure that provides this information prior to the card being issued. I don't want a checking/savings account with TD Bank XXXX I have each with XXXX and their interest rates are MUCH better. If I would have known that I had to open another account with TD Bank to get the 2 %, I wouldn't have gotten the card. I've called both their card services number as well as the branch and they each point to each other as responsible. At this point, I'm very frustrated with TD Bank. I have been told now they they can not merge the two cards together and keep the older, I can only do that merge if I keep the newer one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 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 account # XXXX high balance ; {$11000.00} Date of last Activity ; XX/XX/XXXX last payment ; XX/XX/XXXX For the past 18months Experian has been reporting a charge off which is inaccurate information on my credit report after I have continuously asked them to investigate. If these numbers are supposed to be the same, if you're getting the same information from the same creditors why are these numbers so vastly different.. another complaint is the fact that they're saying that I made a payment on XX/XX/XXXX I never made a payment so I thought that was strange.. on my credit report it says that I can contact the original creditor..I called XXXX XXXX and they were scared to answer any questions stating they no longer have my account it has been sold to a debt collector that's not even on my credit report.. I contact the collection agency named XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx .... to ask them to verify this debt they stated I owe XXXX neither of the three bureaus are reporting ACCURATE INFORMATION... PLEASE DELETE ACCOUNT ... XXXX also took me to court and the judge dismissed the case I've enclosed documents of the final judgment I don't owe anything.

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 2022-05-23 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: MO

Complaint narrative:
I'm looking at some late payments on Experian from four different accounts. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are several accounts with XXXX. The late payments should not be showing for these accounts. 15USC 1981 Section 602 states I have a right to privacy. 15USC 1681 section 604A section 2 also states a consumer reported agency can't furnish an account without a written instruction. 15USC 1666B states a creditor may not treat a payment under late. The united states code Law 15 U.S. Code 1666b. Timing of payments- A creditor may not treat a payment on a credit account under an open end consumer credit plan a s late for any purpose.

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 2022-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We have sent letters documenting the inaccurate information. The verified with the creditor and said all of the information is correct. They did not do any investigation other than asking credit acceptance. This is against the FCRA regulations.

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 2022-05-23 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: TX

Complaint narrative:
We have sent letters documenting the inaccurate information. The verified with the creditor and said all of the information is correct. They did not do any investigation other than asking credit acceptance. This is against the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
this is my second complaint. i have been sending documents along with the updated application for several months now and every time I send in the list of documents needed, they keep saying something different when I call in for a status update. I even include the list of documents that the emailed me on missing documents. I recently called again after submitting everything on the list sent to me and now she is stating that I still have other documents. I feel that this a stall tactic for time to run out. 

I never received any document for court for foreclosure they just kept asking for more documents. 

I didn't find out that my home was in foreclosure status until people kept calling asking did I want to sell my property before foreclosure take place. they are the one that gave me my foreclosure date, the I called the mortgage company to confirm this information. I then asked why I hadn't been notified with all of the calls and communication I have had with them. they said it was sent in the mail and I never responded. I informed them that it was because I never received any notice. Had I had received this noticed I would mentioned it in the many conversations we have had trying to complete the modification application. 

i have submitted the documents she stated I need this last call last week, however she refused to email me a list of missing documents this time. She stated she couldn't and I informed her that the representatives that I have spoken to in the pass sent me a list so I would be able to know exactly what I need. So I did send in what she said I needed on both of loan accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding was notified by there collection agency XXXX XXXX XXXX XXXX of a debt that was sent to them that it was exempt from debt collection yet LVNV sends another debt to collector knowing that it would be exempt from collection like the first one they seen to like to try and collect on exempt funds what they don't have a list they look at first to see if what they brought that this person is exempt before going after the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: MI

Complaint narrative:
i disputed several times regarding two accounts that shouldn't be on my report and charge off and a account that was reinserted after being 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 non-monetary relief
Consumer complaint received 2022-05-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I called into Experian to dispute inaccurate information, remove past addresses, phone numbers, employers, etc. 
The first representative was incredibly unhelpful and violated second 605 and 609 of the FCRA by refusing to dispute inaccurate information, removing outdated information. 

The representative outright refused to dispute addresses and names. When I asked to speak to a supervisor, she outright refused to transfer me. Eventually I threatened a complaint with the CFPB if she refused to assist with removing the information and disputing inaccurate information and accounts on my credit report. 

At this time, per the FCRA pending legal action will be taken if this is not resolved. You can reach out to me via email or phone listed in my credit report. This is a direct violation of my consumer rights and the FCRA.

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 2022-05-23 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: TX

Complaint narrative:
I have been disputing this account XXXX XXXX XXXX XXXX since XXXX. I have sent EQUIFAX an FTC REPORT BY FAX, MAIL as well as email to both equifax and XXXX XXXX XXXX XXXX. I have explained to Equifax numerous times that this is not my debt and its a result of identity theft. XXXX XXXX XXXX XXXX XXXX  has been removed from both XXXX and Equifax. Equifax removed it in XXXX and then placed it back on my consumer report. on XXXX XXXX I have a recording of an EQUIFAX CUSTOMER SERVICE REP telling me that she seen that Equifax has removed the item from my consumer report and then later had it placed back on my consumer report with the ftc, and police report they have on file. Equifax did a dispute and they said it came back verified I asked the rep who did they speak to? And why was I not notified that it was placed back on my consumer report. No one can give me any answers. I know for a fact that Equifax have 4 days to block and remove an account from a consumer report resulting from identity theft. 15 usc 1681c-2 The courts in Ohio stated that they did not provide information of court records and that the case was dismissed due to lack of evidence on the creditor end So I don't understand why it was even on the consumer report in the first place. I am aware that EQUIFAX has been selling my securities which is security fraud because they are acting as custodians and I did not give them that permission to act as such. SEE 18 USC 1348 securities and commodities fraud. I am pending litigation for this collection account which is frequently placed on my report and by law Equifax is to remove this item immediately and I am demanding removal immediately because it should have never been placed back onto my consumer report especially without my awareness of it. This is defaming my character and has been for 4 years now. I HAVE SENT ANOTHER FTC REPORT SO AGAIN THEY HAVE 4 DAYS TO REMOVE XXXX XXXX XXXX XXXX. AND JUST IN CASE EQUIFAX CANT LIFE HERE IS THE FIRST FTC REPORT # XXXX BECAUSE EQUIFAX CONTINUES TO LIE AND GIVE FALSE INFORMATION ABOUT THEM NEVER RECEIVING THE FTC REPORT. THANKYOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX, XXXX, 2022 I sent in a letter to request removal of a fraud alert listed on my credit file. I have not received an update or confirmation of the removal of the fraud alert.

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