vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
on XX/XX/2022 I sent a letter regarding some inaccurate and unknow items on my credit report. To this day over 35 days ago I have not gotten a response at all. Am I being taken advantage of or something for my disputes? in section 611 ( a ), it says that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 35 days so the items listed should my be deleted from my report immediately due to law. I demand that these accounts be removed promptly or I will be forced to file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of a hacker.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I have sent numerous dispute letters with no response for company or credit bureau. XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. One response from XXXX stating debt was verified however when I ask for verification no correspondence sent. I didnt give permission for XXXX XXXX XXXX to report anything on my credit report

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

Complaint narrative:
The 3 Credit Bureaus are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of theFCRA. I have submitted 8 complaints informing The 3 Credit Bureaus that I was a victim of identity theft.The 3 Credit Bureaus are failing to block or remove the accounts from my report. I followed theirguidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), Isubmitted the identity theft reports, provided a report circle the fraudulent accounts, anaffidavit from the FTC website & provide a photo ID for their records. The 3 Credit Bureaus have claimedthe accounts listed below have been verified and are accurate. I'm truly confused by theirantics/tactics on how to report this issue but they are ignoring this dispute and failing tocomply with the rules set forth in the FCRA. I need them to be held accountable & have thefollowing accounts blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, and 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My CareCredit card is being charged a card security fee that was not disclosed upfront. I had XXXX  XXXX done XX/XX/31 and went to take advantage of the 24 month promotional financing. I have since learned they are charging me roughly {$37.00} a month for this pricing, wiping out nearly half of my monthly payment to this. When I tried calling their customer service line, I am directed to a different number. When I try to call their office, I have no luck in reaching them. Its upsetting because this fee was not disclosed and has only began being tacked on since my new promotional financing ( bill for roughly {$2300.00} ) began. This should be illegal.

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 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Around XX/XX/2022, I received a bill from my insurance provider, XXXX XXXX, to pay my homeowners insurance for XXXX, due on XX/XX/2022. I informed XXXX that I was selling my house effective XX/XX/2022 and did not want to renew. On XX/XX/2022 LoanDepot disbursed {$980.00} for homeowners insurance to XXXX. XXXX has since issued a refund check to LoanDepot for this amount. On the morning of XX/XX/XXXX, I contacted an escalation specialist, XXXX XXXX XXXX, to request a return of the funds that were wrongfully and prematurely disbursed. XXXX told me that I would have to get the money from my insurance company, which had already sent the money back to LoanDepot. XXXX has since refused to assist with recovery of my funds and has refused to return my funds. LoanDepot is in wrongful possession of my funds and claims that this disbursement was my fault. 

This is a pattern and practice of unfair and deceptive behavior by LoanDepot within a short time period, as LoanDepot also wrongfully withdrew over {$4200.00} from my checking account *after* my loan was fully paid. That is the subject of a separate complaint.

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

Complaint narrative:
I have been submitting multiple letters from XX/XX/2022, to XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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 Everything Has to be 100 % ACCURATE on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate on any. This is grounds for removal. 



Also In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

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 Also the credit bureaus took more then 30 days to complete my investigation which is grounds for Removal/Deletion Here are my CERTIFIED tracking numbers : 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 2022-05-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Everything Has to be 100 % ACCURATE on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate on any. This is grounds for removal. 



Also In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

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 Also the credit bureaus took more then 30 days to complete my investigation which is grounds for Removal/Deletion Here are my CERTIFIED tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer complaint narrative I submitted a dispute to Experian to take theArizona XXXX XXXX off of my credit report but it has been there for years. I have never lived in Arizona yet it isstill on my report. Alsohave been trying to raise my credit score in order to get a {$15000.00} XXXX XXXX loan. For over a year. Working with the XXXX After paying a collectionsaccount my XXXX XXXX score ( The only one the XXXX goesoff of ) My XXXX XXXX credit score has been barely going up. It seems like a rigged game. While my other scores the FICO XXXX and my FICO XXXX XXXX have gone up. I have5 hard inquiries 3 by theXXXX  thinking my Bank card XXXX score would eventually rise up like my other scores only needing to get up to XXXX on the Bank card XXXX it sits hopelessly at XXXXWhile my other scores beingXXXX XXXX respectively. I've also did a new FICO XXXX and I got 3 more points to my FICO XXXX but no movement on my Bank card XXXX score. Little changes happen after disputes and little is positively listed in my credit report mostly negatives. I never can reach a human being. Only recordings and talking to computers for hours after multiple calls and frustration trying to get someone explain tome how to raise theBankcard XXXX score. Experian seems to take pride in not talking to actual customers. It is horrible service and bad business practices. There are even you tubevideos trying to tell people secrets to actually talk to a human.https : XXXX I'm charged for reports that under federal law should be free. I need these credit reports so I can get this loan for my business. The reporting agencies are so vague, disrespectful, and have so many ads and other companies offering credit repair. Thank you for any help you can give me. 
Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Violation of the CARES Act. The issuers listed late payments after payment arrangements/accommodations were made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting XXXX inquiries on my credit report that I do not recognize or authorized. I am victim of identity with a fraud alert on my Transunion credit 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 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: ID

Complaint narrative:
XX/XX/XXXX received letter from apartment complex stating debt owed and deposit not returned without warrant. Apartment complex owed me money. Responded with certified mail letter immediately. No response. Followed up with another letter two weeks later, still no response. 18 months later received call from a collection agency. Spoke to them about the issue, but no follow up response until XX/XX/XXXX with a letter. Responded with letter and copies of letters previously sent. Received a letter XX/XX/XXXX still trying to collect the debt, but not acknowledging the apartment complex actually owes me money and are not truthful about their " evidence '', stating pet urine stains on carpet. I did not own a pet nor have a pet in the apartment at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've requested my accounts be verified with the 3 credit bureaus ( XXXX, Transunion and XXXX ), and I have not gotten a response of any investigation. It has now been almost 2 months. With 2 sets of letters that went out a month apart. After the letters were received by one of the bureaus my credit card was reported with high utilization and being late which is false and my score dropped XXXX points. This is a violation of privacy and a violation of the FCRA Laws. It is really causing me a great deal of stress. I have a special needs child that I can barely take care of because I can not get the extra funding to provide for her. I've had knee XXXX and lower back XXXX and I am in pain. I don't have a car anymore because I can't afford it due to lack of funds from lost wages. I can't get a loan to help with any issues pertaining to my medical condition or my child condition. The actions of these bureaus are ruining my life and when I did try to dispute and described the inaccuracies plus the inconsistencies, I was slandered. XXXX really did me worst then the other two bureaus. My accounts were updated by all the bureaus without any investigation carried out and from what I've recently learned from the FCRA laws this is unlawful and definitely unethical practice. I keep track of every letter and every phone call because I know and they know that this isn't right. I called XXXX and the representative told me that the accounts will be removed. Early that week my score dropped XXXX and after that call which was the next day my score dropped XXXX more points. I've disputed addresses that were not mine and Transunion is the only ones that actually took the addresses off. This is a violation of : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of The Fair Credit Reporting Act ; and 4. Financial Injury In accordance with The Fair Credit Report Act My rights has been violated under : 15 U.S.C 1681 section 602 A. States I have a right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've requested my accounts be verified with the 3 credit bureaus ( XXXX, XXXX and Experian ), and I have not gotten a response of any investigation. It has now been almost 2 months. With 2 sets of letters that went out a month apart. After the letters were received by one of the bureaus my credit card was reported with high utilization and being late which is false and my score dropped XXXX points. This is a violation of privacy and a violation of the FCRA Laws. It is really causing me a great deal of stress. I have a special needs child that I can barely take care of because I can not get the extra funding to provide for her. I've had knee XXXX and lower back XXXX and I am in pain. I don't have a car anymore because I can't afford it due to lack of funds from lost wages. I can't get a loan to help with any issues pertaining to my medical condition or my child condition. The actions of these bureaus are ruining my life and when I did try to dispute and described the inaccuracies plus the inconsistencies, I was slandered. XXXX really did me worst then the other two bureaus. My accounts were updated by all the bureaus without any investigation carried out and from what I've recently learned from the FCRA laws this is unlawful and definitely unethical practice. I keep track of every letter and every phone call because I know and they know that this isn't right. I called XXXX and the representative told me that the accounts will be removed. Early that week my score dropped XXXX and after that call which was the next day my score dropped XXXX more points. I've disputed addresses that were not mine and XXXX is the only ones that actually took the addresses off. This is a violation of : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of The Fair Credit Reporting Act ; and 4. Financial Injury In accordance with The Fair Credit Report Act My rights has been violated under : 15 U.S.C 1681 section 602 A. States I have a right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2022-05-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation