vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2024, I booked a XXXX XXXX XXXX XXXX XXXX XXXX and made my first payment of {$500.00}. I discovered that XXXX was listed as " Do Not Travel '' country under US States Department on the same day ( less than 24 hours after payment ). I called Elan Financial Services to reverse charge the {$500.00} payment from my VISA credit card. The service Rep advised me to work with XXXX to get my refund. 
On XX/XX/2024, I requested cancellation of the XXXX trip for fear of our safety there and full refund of my first payment. XXXX and I had been exchanged emails many, many times and refused to refund my money. 
On XX/XX/2024, I received a letter from Elan Financial Services dated XX/XX/2024. It stated that they had issued a provisional credit of {$500.00} and requested me to complete a Dispute Form and provided any documents related to this charge. I did complete the Dispute Form and provided documents of my email correspondence with XXXX of their refusal of the full refund. I fax all these documents to their provided fax number. 
On XX/XX/2024, I fax additional documents of my email correspondence with XXXX of their continued refusal of my full refund to Elan Financial Services. 
On XX/XX/2024, XXXX cancelled my XXXX trip without any refund of my {$500.00} payment. I fax this email to Elan Financial Services. 
On XX/XX/2024, I received second letter from Elan Financial Services dated XX/XX/2024. It claimed that they did not receive a response to their request information and reversing the provisional credit of {$500.00}. I called the Card Member Service line and talked to a representative named XXXX. She ensured me that they had received my previous three faxes with all completed request information. She told me that she would forward these documents to the XXXX and re-issued the provisional credit of {$500.00}. 
On XXXX XXXX, I received my VISA credit card statement from Elan Financial Services. There was a charge of {$500.00} and the provisional credit of {$500.00} was not re-issued. I called Elan customer service line and escalated to a supervisor named XXXX. He told me that I could not contact their investigator directly ; the best he could do would be forwarding these documents again to the investigator and had them called me. I did not received any calls from Elan Financial Services since then. 
My Elan Financial Services XXXX XXXX XXXX XXXX Please help.

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 2024-05-12 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: Marlette Funding, LLC
State: NY

Complaint narrative:
in accordance with the fair credit reporting act this creditor ( BEST EGG ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: Upstart Holdings, Inc.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act this creditor ( XXXX XXXX ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries listed below are not mine and I want them to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-12 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: FL

Complaint narrative:
these hard inquiries are fraudulent and does not belong to me and need to be removed .Also nest as well.Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING XXXX  - {$420.00} XXXX XXXX XXXX XXXX- {$470.00} XXXX XXXX XXXX XXXX- {$500.00} Collection XXXX XXXX XXXX - {$1800.00} Collection XXXX XXXX XXXXXXXX - {$290.00} Collection XXXX  - {$12000.00} Charge off XXXX XXXX {$290.00} Charge off

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 2024-05-13 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/2024, I discovered through my credit report from XXXX that LVNV FUNDING LLC has placed my account into collections. I was not previously notified of any outstanding balance nor was there any communication from LVNV FUNDING LLC regarding a debt or payment due that would justify this collection action. 

Actions Taken by Me : Upon discovering the collection entry on my credit report, I immediately sought to understand the basis of this claim. I have not received any billing statements or correspondence from LVNV FUNDING LLC prior to this incident that would indicate my account was at risk of being sent to collections. 

Requested Action : I request a detailed statement of the account showing the origin of the debt, any charges applied, and any payments made or missed. Additionally, I seek clarification on why there was no attempt made to contact me before reporting the account to credit bureaus. If this debt is found to be in error, I request immediate removal of the collections entry from my credit report and a formal letter acknowledging the mistake. 

Further Steps : I am prepared to escalate this issue through formal disputes with credit bureaus and seek legal counsel if the matter is not resolved promptly and transparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Original Creditor : SYNCHRONY BANK Current Holder of the Debt : XXXX XXXX XXXX Account Type : Debt Buyer Date Opened : XX/XX/year> Status as of Last Update : Collection account, {$760.00} past due as of XX/XX/year> Status Updated : XX/XX/year> Balance as of Last Update : {$760.00} Balance Updated : XX/XX/year> Original Balance : {$760.00} Terms : 1 Month Responsibility : Individual Details of the Incident : The account with SYNCHRONY BANK was transferred to XXXX XXXX XXXX and is now reported as a collection account with a balance of {$760.00}, which was past due as of XX/XX/year>. The balance was first reported and has remained at {$760.00} since the account was opened on XX/XX/year>. No monthly payments were set up, as the terms indicated a one-time resolution in 1 month. 

Actions Taken by the Company : As of the last update in XX/XX/year>, XXXX XXXX XXXX has not provided any detailed statements or communications explaining the basis of the debt, nor have there been any attempts to negotiate or settle the debt prior to moving it to collections status. 

Actions Taken by Me : Upon noticing the collections entry on my credit report, I immediately sought to verify the details of the debt, as no prior communications or billing statements were received before the account was marked as in collections. I have yet to receive any response or documentation that validates the debt. 

Requested Action : I am seeking a thorough investigation into this matter, including the provision of all relevant documents pertaining to the debt and its transfer from SYNCHRONY BANK to XXXX XXXX XXXX. If the debt can not be validated, or if prior notification requirements were not met, I request the immediate removal of the collections entry from my credit report, and a formal acknowledgment of this correction.

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 2024-05-12 00:00:00
Product: Credit reporting 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:
The assignee as a consumer reporting agency is acting as and is a debt collector as pursuant to 15 U.S. Code 1692a ( 6 ) The assignee as a consumer reporting agency are acting as debt collectors pursuant to 15 U.S. Code 1692a ( 6 ) The assignee is my servicer and a holder for the original creditor servicing the credit balance held in the account as security interest of the consumer and obligor pursuant to 12 U.S. Code 2605 ( i ) ( 2 ) and 12 U.S. Code 2605 ( i ) ( 3 ) The assignee as creditor and servicer and holder of the security interest in the account entitled to the consumer are money transmitting business ( es ) pursuant to 31 U.S. Code 5330 ( d ) ( 1 ) The security interests that are the credit balances in excess of {$1.00} held in each reported account is entitled to the consumer as security interest held for the benefit of the obligor as pursuant to 15 U.S. Code 1666d in accord with 12 CFR 1026.11 - Treatment of credit balances ; account termination as well as 12 CFR 1026.21 - Treatment of credit balances as well as 31 CFR 306.11 All inaccurate accounts on the consumer report are to be deleted inclusive of any and all inquiries on the consumer report being in direct violation of 15 U.S. Code 1681b for no inquiry remaining is benefit of the consumer and removal of such is a private beneficial interest of the consumer Each assignee and creditor, being a servicer of the original creditor, operating as a money transmitting business, acting as consumer reporting agency and debt collector are liable for each assignee and creditor, being a servicer of the original creditor, operating as a money transmitting business, acting as consumer reporting agency and debt collector are hereby liable for civil liabilities pursuant to ; 15 U.S. Code 1640 ( a ) ( 1 ) 15 U.S. Code 1640 ( a ) ( 2 ) ( A ) ( i ) 15 U.S. Code 1641 15 U.S. Code 1644 15 U.S. Code 1681n 15 U.S. Code 1681o 15 U.S. Code 1693h ( a1 ) 15 U.S. Code 1693h ( a2 ) 15 U.S. Code 1693n 15 U.S. Code 1611 for violating the following ; 15 U.S. Code 1692e 15 U.S. Code 1692j 15 U.S. Code 1681b 15 U.S. Code 1692d ( 4 ) 15 U.S. Code 1692f 15 U.S. Code 1692g therefore respective consumer report per consumer reporting bureau is attached displaying each creditor for each account and inquiry in violation presenting evidence of the claims upon the face of the documented reports.

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 2024-05-12 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: AZ

Complaint narrative:
This account has been discharged see the enclosed 1099C and the legal forms about the complaints to the other credit agencies

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 2024-05-12 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: AZ

Complaint narrative:
This account has been discharged see the enclosed 1099C and the legal forms about the complaints to the other credit agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: AZ

Complaint narrative:
This account has been discharged see the enclosed 1099C and the legal forms about the complaints to the other credit agencies

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 2024-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am rejecting your electronic response regarding the CFPB dispute # XXXX on XX/XX/year>. The information that your agency has been reporting on my consumer file is unverifiable. I have not received any information or documentation that proves I signed a contract with your agency or the agency XXXX XXXX. Furthermore, your agencys name does not appear on any of the electronic documents provided to me. 

On the Original Contract you provided there are no written signatures associated with my name, besides an electronic alphameric name making it impossible for me to verify the validity of this debt. 

According to 15 USC 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. I believe your agency is in violation of this provision as the information you are reporting is not accurate.

Additionally, under 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only under certain circumstances and in accordance with the written instructions of the consumer to whom it relates. I have not authorized or given anyone access to my private and confidential records, especially not the information youre reporting.

My rights, particularly my right to privacy, have been violated as per 15 USC 1681 ( a ) ( 4 ). This provision emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Also, I want to express my concern regarding your companys actions during the investigation of my disputed debt. Despite my request for all communication to cease during the investigation, your company reported to the credit reporting agency ( XXXX, XXXX, XXXX that my debt was accurate. 

This action is in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The FCRA requires that you conduct a thorough investigation of the disputed information before reporting it to the credit bureaus. Furthermore, the FDCPA prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report attached to the XXXX! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY PISSED ABOUT THIS. I looked over the credit report and FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, birth certificate, driver 's license, and a w2.This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. POTENTIAL LAWSUITS LIST : XXXX, Equifax and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XX/XX/XXXX XXXX I never XXXX XXXX CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX XXXX Original Creditor : XXXX - Account Number XXXX XX/XX/XXXX XXXX / Equifax / XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX Original Creditor : XXXX XXXX  - Account Number XXXX XX/XX/XXXX XXXX / Equifax / XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
XXXX Inquiries XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief