vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from Equifax to date. The following are the details of the disputed accounts and the required corrections : XXXX. Account Name : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Original Creditor : COLLECTION XXXX. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Original Creditor : COLLECTION I assert that the above-mentioned accounts are not mine, and their presence on my credit report is inaccurate and unjust. I dispute the reported balances and past due amounts, particularly for accounts that are closed and charged-off. These inaccuracies have had a detrimental impact on my credit score and financial reputation, causing significant harm to my creditworthiness. 

I also found inaccurate information in my credit report for the account identified as XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} ). I recall having a lower Balance than {$5900.00} on this account. Moreover, the Past Due amount shouldn't be reported for this account as it is closed and charged-off. I request Equifax to mark this account as disputed while I resolve my dispute with the creditor and verify the Date Opened, Date of Status, and First Reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Moved out of my college apartment early due to military orders. I have pictures of the conversation between the then property XXXX and I saying that all charges posted were to date in the payment portal, in addition to a copy of the receipt showing that I paid. 9 months later, XXXX XXXX randomly notifies me of a Derogatory Mark being placed on my account and I see my XXXX XXXX go down XXXX points for something I had no knowledge of due to poor communication from the apartment complex. After attempting to reason with the collection agency and work with the apartment complex, along with showing proof of my claims, nothing has been done. Also, after more communication with the apartment complex, its been discovered that they were reporting a false amount.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: OR

Complaint narrative:
Credit card account with XXXX was paid in full and closed XX/XX/2022. The company sent account to collections company JEFFERSON CAPITAL SYSTEMS. I have submitted documents showing proof of payment and still receiveing calls and letters attempting to collect on a paid and closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being lat

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC
State: GA

Complaint narrative:
On XX/XX/2023 an unauthorized transaction of {$1300.00} appeared on my account. I then began calling to let BankMobile know I dont know whats happening and why all my money is missing. They then stated I would receive my money back in 5 days, Once the 5 days past I never received my money. They then said it could take 10 days, then they eventually said it could take 90 days. I eventually was able to speak with a supervisor and she filled in a request for me to get provisional credit which was eventually denied. On XX/XX/2023 ( Today ) I received a email saying the case is closed and there were no supervisor notations or any details on how {$1300.00} were missing unauthorized out of my account.

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 2023-07-21 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:
Transunion continues to show negative information on my credit report for an account I previously had with XXXX XXXX However, in a separate complaint I filed on XX/XX/XXXX against XXXX XXXX, No. XXXX, XXXX 's XXXX in a XX/XX/XXXX letter apologizing and admiteding it was their bank 's error that had created the entire problem and critically that I had paid my account timely and in full before ever ia statement on XX/XX/XXXX but my check was posted to an incorrect account. XXXX 's stated they had 'requested the credit reporting agencies update their records to report a XXXX balance, remove the reported delinquencies, and report the acount as " closed by the customer. ' '' See XXXX 's repsonse in XXXX. Transunion has not followed XXXX 's instructions. In a recent telephone call a Transunion representative confirmed the XXXX 's negative information was still on my account.

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 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1. Many times I've contacted customer service about {$35.00} over draft fees coming out twice.

- I am a preferred account holder, I've only seen {$10.00} fees taken one time.

2. Not protecting my account after customer service stated they have set up proper precautions to prevent the account being accessed by outside entities, they have failed and have taken back the money that was owed to me because of fraudulent activity.

3. Money missing with XXXX explanation. Returned them taken back from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX and TransUnion ( TU ) did not properly and thoroughly investigate my dispute with " XXXX XXXX XXXX '', in which stated I have no knowledge of the alleged collections account. 
Contrary to the requirements of the FDCPA, XXXX and TU quickly replied " account was certified '', which is baloney. 
Violations are : 15 USC 1692 f ( 1 ) : No original contract ( and/or contract from/with alleged assignee and/or assignor ) is provided.

15 USC 1692 e ( 2 ) ( A ) : Because no contract ( s ) were provided, XXXX and TU are allowing a false representation of the character, amount, or legal status of the alleged debt.

15 USC 1692 e ( 5 ) : No evidence is provided by " XXXX XXXX XXXX '' supporting the alleged " XXXX XXXX of XXXX ''. Both XXXX and XXXX  are known unethical zombie debt collectors. Further, XXXX is a business lendor, and XXXX and TU are personal credit reporting bureaus. Further, no evidence is provided supporting the date ( s ) of the alleged debt.

15 USC 1692 e ( 10 ) : XXXX and TU are providing false representations by lack of documentation of any agreement between myself and " XXXX XXXX XXXX ''. XXXX and TU are also providing false representations by not providing documentation of assignment of the alleged debt from other entities.

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 2023-07-21 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I canceled my automatic withdrawal online that was scheduled for XX/XX/XXXX as I was not going to be able to get the funds into my XXXX XXXX and XXXX XXXXXXXX XXXX account in time. I was going to pay on XX/XX/XXXX online from another account. When I went in to pay on the XXXX, I was surprised to see that it showed that payment was made on the XXXX from XXXX. I called Comenity Bank to find out what happened as I no longer had overdraft protection and the transaction should 1 ) never have been initiated 2 ) should have been declined. Neither XXXX or Comenity Bank could tell for sure whether the transaction was declined for about XXXX days. When it was confirmed that it was declined, I made the payment from my other account. Comenity Bank refunded me my fees as a courtesy, I assume because I had attempted to cancel the XXXX pull. However, XXXX has charged me {$60.00} ( XXXX attempted pulls from Comenity ) for overdraft charges. I asked Comenity bank to either credit me for what I believe to be their error, or write a letter to XXXX stating the situation and hopefully XXXX will waive the fees as I feel it not not my fault. A customer service representative and a supervisor from Comenity Bank stated that they would or could not do either and recommended that I send a letter to corporate XXXX. I sent a letter on XX/XX/XXXX stating my situation. On XX/XX/XXXX I received a generic letter dated XX/XX/XXXX from Comenity Bank XXXX in XXXX, OH asking that I call their customer service line. There was nothing mentioned about my particular complaint. In other words, it sounds like I am being sent back to where I began. I did call customer service and as expected, they could not help me. 
There is nothing I could find in any documentation that says or warns that Comenity Bank could pull funds from my XXXX a day early if the scheduled payment date is on a weekend. One representative stated that this is why it may have happened the way it did. My question is if this is legal and if it is legal, where would I find this in my terms or agreement or on their website. I searched all over and anything to do with XXXX pulls only mentions the due date period. 
Help please XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian and XXXXXXXX XXXX XXXX XXXX did not properly and thoroughly investigate my dispute with " XXXX XXXX XXXX '', in which stated I have no knowledge of the alleged collections account. 
Contrary to the requirements of the FDCPA, Experian and XXXX quickly replied " account was certified '', which is baloney. 
Violations are : 15 USC 1692 f ( 1 ) : No original contract ( and/or contract from/with alleged assignee and/or assignor ) is provided.

15 USC 1692 e ( 2 ) ( A ) : Because no contract ( s ) were provided, Experian and XXXX  are allowing a false representation of the character, amount, or legal status of the alleged debt.

15 USC 1692 e ( 5 ) : No evidence is provided by " XXXX XXXX XXXX '' supporting the alleged " XXXX assignee of XXXX ''. Both XXXX and XXXX  are known unethical zombie debt collectors. Further, XXXX is a business lendor, and Experian and XXXX are personal credit reporting bureaus. Further, no evidence is provided supporting the date ( s ) of the alleged debt.

15 USC 1692 e ( 10 ) : Experian and XXXX are providing false representations by lack of documentation of any agreement between myself and " XXXX XXXX XXXX ''. Experian and XXXX are also providing false representations by not providing documentation of assignment of the alleged debt from other entities.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: PA

Complaint narrative:
This is a notice of consumer findings regarding unfair and inaccurate practices. via discover bank privacy policy and section 1692e ( 16 ) of the FDCPA. Discover Bank 's privacy policy implicates and gives false representation as a means in connection with the collection of debt by operating falsely a consumer reporting agency by using nonpublic information and abusive debt collection practices to put my creditworthiness at a competitive disadvantage. it is a violation via 15 USC 1692e ( 16 ) for a debt collector to operate by a consumer reporting agency and give false representation or implications that they are doing so as proof see the privacy policy attached. The consumer reporting agency is in violation of marketing information, unfair and inaccurately backed on the exchange of information that should otherwise be excluded from a consumer report via 15 USC 1681a ( d ) ( 2 ). A consumer report should not include information solely as to transactions, communication of that information, also information that's used as an authorization of an extension of credit by the issuer ( me ) of a credit card. I wish to have this account removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

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 2023-07-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I was told I was approved for a home loan equity of {$37000.00}. This was back on XX/XX/2023. The loan XXXX I was working with was XXXX XXXX. But I had some repairs to be repaired at the time. So I worked hard in getting them completed. Now I get told i was never approved. I'm always denied. They just wanted me to complete the repairs by telling me that I was approved. I was never sent a denial letter. I have equity in my home and I can't even access to pay off some debt. There is another loan XXXX trying to get me approved but it seems hopeless for me now.

Company response to consumer: Closed with explanation