vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and/or unfair. The following accounts and inquiries are causing significant financial hardship and emotional distress : XXXX XXXXXXXX Late Payment Account XXXX  XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX Bankruptcy XXXX I understand that some of these accounts may have been delinquent or charged off, but I dispute the accuracy of the reporting and the collection methods used. I also believe that some of the inquiries were made without my knowledge or consent, and may be in violation of consumer protection laws. 

I am emotionally distressed by the impact these items are having on my credit score and my ability to secure loans or obtain housing. I believe that the practices of the companies reporting these items and making unauthorized inquiries are unethical and potentially illegal. 

I request that you investigate these items and take appropriate action to correct or remove any inaccurate information from my credit report. I also request that you take action to prevent these companies from engaging in unfair or illegal collection practices and unauthorized inquiries in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: Torres Credit Services, Inc.
State: IL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as fot late purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as fot late purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: FC HoldCo LLC
State: AZ

Complaint narrative:
In accordance with the fair credit reporting Act XXXX XXXXt # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 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 a payment on a credit card account under an open-end consumer credit plan as late for 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 explanation
Consumer complaint received 2023-03-10 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: Stellantis Financial Services US Corp.
State: AZ

Complaint narrative:
In accordance with the fair credit reporting Act XXXX XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 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 a payment on a credit card account under an open-end consumer credit plan as late for 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 explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: UT

Complaint narrative:
This debt is paid with a settled amount of {$1800.00}. I have been told by numerous agents that as soon as the payment processed from my bank account, they would send an automated email with a receipt of payment. I have called them 8 times from XXXX and continue to be given different information by each agent. They have processed my payment and have told me they show a {$0.00} balance on their end but will not provide me with an email showing I have paid this debt. 

I have been told I need to wait longer, I need to wait until XXXX ( XX/XX/10 ) by Noon, to call back at a different time, that the email was coming today, there is no one who can just use a company email to send this information, a different department handles the emails but I can not talk to that department because they dont handle phone calls, and then most recently have been told that their systems are down and they can not provide me with a letter. 

I legitimately am just asking for proof that they have received the payment I have made. I have attached a photo of my bank statement showing the payment has processed.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After recently looking at my credit report, i noticed some un authorized inquires. Can you kindly removes these as it is hindering my credit. 


Thanks in advance.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After recently looking at my credit report, i noticed some un authorized inquires. Can you kindly removes these as it is hindering my credit. 


Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: IL

Complaint narrative:
Doing my loan modification with my mortgage company XXXX XXXX, I was told by countless representatives from XXXX XXXX that while I was going to the loan modification that that there would be no late payments reported to the credit bureau I spoke to representatives from XXXX XXXX XXXX XX/XX/2022 rep number XXXX. XXXX rep # XXXX XX/XX/2022 XXXX representatives # XXXX XX/XX/2022. XXXX representatives # XXXX XX/XX/XXXX. Which resulted into five late payments on my credit report. Being told by XXXX mortgage representatives, one thing, and having the told opposite happened is financially crippling their incompetence about what to do. The consumer is being left out in the cold, without knowing what to do. 

Thanks

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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail from my Barclay AA Aviator card that said its required to collect more information about my identity. The letter asked me to send a utility bill statement, a copy of my social security card front and bank and a copy of a government id, also front and back. If I were not to comply with this request they will place my account on hold. 

The letter instructs me to send this information via mail or fax. I reached out to Barclays to better understand this request and they stated that I need to comply due to the Patriot act that requires I confirm my identity. I explained that I have major concerns with sending my personal information via mail of fax as this poses a risk that my information can be intercepted and open me up for identity theft. 

In my opinion the proper way to request this information is for Barclays to provide me with a secure link either via their app, or web portal that allows for my information to be sent encrypted and ensures all consumers information is protected. 

Customer Service stated that there is nothing they can do that I either comply or loss access to my card. 

I have had this card for almost a year and have spent close to $ XXXX and currently do not have a balance. Its unreasonable in 2023 to ask a consumer to send their personal information with a secure mechanism in place.

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 2023-03-10 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: PA

Complaint narrative:
TO Whom it may concern : I recently received a copy of my ( XXXX, XXXX and TransUnion ) credit report, and i noticed some late payments posted on my credit report : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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 2023-03-10 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: PA

Complaint narrative:
TO Whom it may concern : I recently received a copy of my ( Experian, XXXX and XXXX ) credit report, and i noticed some late payments posted on my credit report : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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 explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
We have health exam that arrange by my family doctor, that doctor said our insurance covered, after 6 months, we received a bill from XXXX XXXX, if some blood test not covered by our insurance, the lab should notice me. we should be have a right to rejected? 
we tried to contact XXXX  XXXX customer service never contacted, always waiting on line for over 30mins, no one answered the phone and email, we are working, can not waiting on phone during the work. 
XXXX XXXX sell debts to Radius Global Solutions LLC. 
They provided disputes electronically at XXXX I email them about the issue. And contact about solutions, they said they didnt receive my email. I did sent to them 7 times. 
How can you Help me for this issue

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 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: PA

Complaint narrative:
AR Resources posted a collections case that I do not recognize on my credit reports with. AR Resources did not contact me prior to posting this on my report. They provided no notice, no opportunity to dispute the report, etc. This just appeared on my credit. 
After seeing this unknown collections item, I have attempted to contact AR Resources via email, fax, and USPS mail. I've received confirmation receipts that my communications have been received. AR Resources has still not contacted me or responded in any way, but their unsubstantiated report is still destroying my credit, causing a credit score decrease of over XXXX  points. 
In my communications to AR Resources, I provided email, phone, and mail contact information for me, but they still have not responded to my requests for information, requests for substantiation of the debt, amount, creditor, licensing, etc. They have not responded to any questions. They have not removed this disputed collections matter from my credit reports, and that has already caused substantial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Our current mortgage lender ( MR COOPER ) claims we currently owe {$470.00} under " lender paid expenses '' originating from a charge from our prior mortgage lender ( XXXX ). Our prior mortgage lender claims the {$470.00} charge was waived before the loan was transferred to our current mortgage lender. Our current mortgage lender claims the fee was charged back after it was transferred ( they confirmed the fee was waived prior to transfer ). Our prior mortgage lender claims it was NOT charged back after transfer Our current mortgage lender refuses to waive the fee and says a resolution will occur if our prior lender pays {$470.00} or if we pay {$470.00} to the current lender. Our prior lender will not pay this amount as it says the fees were waived before transfer of the loan to the current lender. 

I have been trying to resolve this issue between the 2 lenders since XX/XX/23 via emails, calls, and chatbot. I have documented all correspondence in the following word attachment labeled " XXXX resolution attempts. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: FL

Complaint narrative:
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 name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 non-monetary relief
Consumer complaint received 2023-03-10 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: FL

Complaint narrative:
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 name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: PA

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with explanation