vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Requested a debt validation letter to law firm representing LVNV Funding LLC who purchased my credit card debt. The letter they sent did not include a 30 day dispute notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter regarding a recent denial of a car loan application and to inquire about potential violations of federal equal rights laws and CFR laws. 

On [ XX/XX/XXXX ], I applied for a car loan with [ Navy federal ]. Unfortunately, my application was denied, citing reasons that were not adequately explained to me. Upon further investigation, I believe that my application may have been denied in violation of federal equal rights laws and CFR laws.

According to the Equal Credit Opportunity Act ( ECOA ) and Regulation B of the Consumer Financial Protection Bureau ( CFPB ), lenders are prohibited from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of income from public assistance programs. I have reason to believe that my application denial may have been influenced by one or more of these protected factors.

Furthermore, Regulation B requires lenders to provide applicants with a written explanation of the reasons for adverse action, such as a loan denial. However, I did not receive a clear and specific explanation for the denial of my car loan application, which may be a violation of Regulation B.

I am deeply concerned about the potential violation of my rights under federal equal rights laws and CFR laws. I respectfully request that the Consumer Financial Protection Bureau investigate this matter to ensure compliance with applicable laws and regulations.

Additionally, I would appreciate any guidance or assistance you can provide in addressing this issue and seeking recourse for any violations that may have occurred. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
System prompted me to pay XXXX, I made the payment. The amount was withdrawn from my bank account and I thought it would be applied to late payments but later on in the week I get a call saying that my home was in active foreclosure. I call the company to find out why, I made the payment requested and they told me that the amount the system gave me was not up to date it should have been more. Therefore now I have to pay an additional XXXX to avoid foreclosure. 

I don't think this is far because I don't know how I would have known the amount should have adjusted on the XXXX. I paid the amount that they prompted me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting wrong address on my report in which i never have lived at. They refuse to remove them. XXXX has already removed from my report. 

Address never lived at. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY 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 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK
State: AL

Complaint narrative:
The company called about a dispute frpm XXXX I told them my social had been taken. The person said a bill had been paid and closed out. I told him o had no card and had not lived at set address for over XXXX years. I was called slanderous names and had XXXX innuedos as threats to my mother. I called our family attorney. I called back and asked for an address so i may pursue legal representation. The business is XXXX XXXX XXXX. The person was named XXXX and was extremely agregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: IA

Complaint narrative:
I received a text message and a letter delivered by USPS from Frost-Arnett stating they are collecting a medical related-debt. The letter indicates XXXX XXXX turned me over to collections for {$1700.00} I do not owe anything to them. 
I went back to bills from last year. I owed them {$110.00} which was paid in full on XXXX. I called them at XXXX, someone said her name was XXXX and she has my PII and HIPAA related information and pulled up my account and validated it was paid in full. Then she said, there is an amount owed here but it is not owed by you. Then she put me on hold. When she came back after XXXX minutes she said they no longer have the contract to handle billing for this account and that she can not help me. I asked for a Manager, she refused to put anyone on the phone. I asked why they have my protected information if they do not handle this account any longer. I asked why they were going to take money from me if they no longer handle this account. I asked who does handle the account. I asked for a Manager again. She said she can not do that and hung up on me. The bill shows their location as XXXX XXXX XXXX, XXXX, PA XXXX. I found a denied claim from XXXX XXXX stating " Provider timely filing has been exceeded per the Host plan. The member is not responsible for this amount. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
On XX/XX/year> there was a letter sent to Equifax asking them to verify what I believe to be incorrect information reporting to my credit report regarding some inquiries I have no knowledge about. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, my grandson told me a person had called him looking for me, using my previous married name. My daughter, who was visiting with me said she had also gotten a similar call earlier in the day. Within XXXX minutes, my son called and told me he had also gotten a strange call asking if he knew me, and wanting him to give me a phone number. I called the phone number, and was transferred to a woman who said they were representing the city of ( where I live ) and stating they were trying to help a currier locate me to serve me papers. She was unable to tell me anything other than it was credit card debt, from XXXX, and that if I didn't request mediation through them, I would be responsible for all those years of interest and penalties and court fees. She also claimed they had already sent me all of this in writing.she had my current address, the last XXXX of my social, and my current married name. 
I told her that I have habitually reviewed my credit report, and there was nothing outstanding on it. She said it didn't matter because obviously the original creditor had sold the debt to someone else, so it wouldn't be on there. 
I was very flustered during the call, especially knowing they had called all my children in the last day. So I told her I would try and find more information and call her back on Monday. 
Then, I started thinking. She said she was calling for the city of ( ). Then she said they were an attorney firm. Then she told me they were Credit Services '' but she also referred to Assured. She said the debt has been " charged off '' but then said it was sold to another company. ( When? In XXXX? ). 
After giving me so much contradictory info, and the fact she is saying this is from XXXX, far enough back that it would confuse me, I feel like this is likely a scam. 
The number she had me call was XXXX. She also gave me a file number I can provide, even though she could not " find me '' under that file number. ( Ref : XXXX ) This is either a very detailed scammer, or a very unethical collections company. Either way, I do t want them contacting me or my children again. 
The only call I have received today has come up " Portfolio Recovery '' which my phone cuts off immediately because there is a SCAM Alert that pops up. It may be the same company, since they have now given me a variety of names.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am hereby filing a formal complaint against Experian and XXXX XXXX XXXX XXXX An account was placed on my Experian credit report by a company called XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have no idea who XXXX XXXX is ; I have never dealt with or had any business relationship with XXXX XXXX ; and I have never opened any loan or any other account with XXXX XXXX. XXXX XXXX  erroneously placed an unsecured loan account on my Experian credit report in the amount of {$3100.00} and indicates that I have a monthly payment of {$5.00}, but no money has been removed from any of my accounts. I have contacted Experian on multiple occasions by phone that I wish for them to remove this erroneous XXXX XXXX  account from my credit report, and they have not done so. I have contacted XXXX XXXX XXXX XXXX by phone and they do NOT return phone calls. Furthermore, I have had a credit freeze in effect for many years, so I do not know how Experian could have allowed XXXX XXXX XXXX XXXX to place this account on my credit report. I am not the victim of identity theft as no money has been taken from any of my accounts. I simply wish for Experian to remove this erroneous XXXX XXXX XXXX XXXX account from my credit report, because as stated previously, I never had anything to do with or had any relationship with 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting 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:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Common violations of the FCRA include : creditors give reporting agencies inaccurate financial information about you. XXXX XXXX has caused damage to my credit report by reporting inaccurate information. XX/XX/year>, I called XXXX XXXX and advised that I had lost my job due to an injury and I was waiting on workers compensation. I then set up a hardship where I was informed that I would not have to make a payment. At that time I was I would not incur any fees, which I have. XXXX  XXXX is now saying I'm not the account holder. I will next file a complaint for fraud against 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Common violations of the FCRA include : creditors give reporting agencies inaccurate financial information about you. XXXX XXXX has caused damage to my credit report by reporting inaccurate information. XX/XX/year>, I called XXXX XXXX and advised that I had lost my job due to an injury and I was waiting on workers compensation. I then set up a hardship where I was informed that I would not have to make a payment. At that time I was I would not incur any fees, which I have. XXXX  XXXX is now saying I'm not the account holder. I will next file a complaint for fraud against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Common violations of the FCRA include : creditors give reporting agencies inaccurate financial information about you. XXXX XXXX has caused damage to my credit report by reporting inaccurate information. XX/XX/year>, I called XXXX XXXX and advised that I had lost my job due to an injury and I was waiting on workers compensation. I then set up a hardship where I was informed that I would not have to make a payment. At that time I was I would not incur any fees, which I have. XXXX  XXXX is now saying I'm not the account holder. I will next file a complaint for fraud against 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 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
After discussing inconsistencies in previous communications with a PayPal representative, she reopened my case and sent me an email confirmation as requested. This action was essential due to varying responses from different representatives, where one would promise to reopen the case and another would deny such commitments were ever made. I was instructed to wait XXXX to XXXX days for XXXXXXXX XXXX to respond so that PayPal could proceed with the refund. 

Despite being entitled to a refund for a transaction involving an item I never received and was canceled, I faced further delays. PayPal suggested that the responsibility was now with XXXX XXXX, despite having received confirmation that the bank had closed the case in my favor. This ongoing issue reflects PayPals unclear transparency and unjustified decisions, indicating a potential disregard for consumer rights and a focus on financial gain from larger transactions. This situation raises serious concerns about PayPal 's integrity and requires a thorough review by the Consumer Financial Protection Bureau to ensure they adhere to proper policies for processing transactions as a financial intermediary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to follow up on my previous correspondences regarding the inaccurate negative entry that continues to be reported on my credit report across all three major bureaus. And I don't know how long it would take for you to take down and remove this entry on my credit report. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I am writing to follow up on my previous correspondences regarding the inaccurate negative entry that continues to be reported on my credit report across all three major bureaus. And I don't know how long it would take for you to take down and remove this entry on my credit report. 

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