vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-09-02 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: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I entered a covid deferral under the Cares Act. My payment was due XXXX entered the covid deferral current. Fulton continued to add property management fees, driving by my house as if I was in foreclosure. In XXXX of XXXX I started communicating with Fulton about my options after the deferral ended. I did not receive information on my options until XX/XX/XXXX. I continued to call the special assets department and there assured me that my account was in good standing and I needed to wait for my new agreement to take effect. They would put the XXXX that was deferred to the end of the loan with no interest, waive late fees, continue to report me current, and I was to start paying my mortgage payment again, starting XX/XX/XXXX. I paid my mortgage through my bank on XX/XX/XXXX and it posted to Fulton on XX/XX/XXXX. On XX/XX/XXXX, I got my first notice from the credit bureaus that my account was reported as XXXX days past due by Fulton . They continue to send e statements that ask for the full XXXX balance which is again against the Cares Act. They are not allowed to ask for a lump sum at the end of the deferral. I followed the agreement that was sent to me XX/XX/XXXX. I have been in touch with special assets and loss mitigation over 40 times combined. In the last 5 weeks since being reported to the credit bureaus, I have called and called to ask for them to fix my credit. I am a new business owner. My business opened last month. I was counting on my great credit score to be able to get loans for the business. Instead Fulton caused my score to drop XXXX points and I no longer qualify for loans.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my consumer report and discovered some illegal information being displayed. Per 15 US Code 1681a ( d ) ( 2 ), consumer reports do not include transactions or experiences between consumer and person making the report. I sent a letter, certified mail, to the reporting agencies on XX/XX/2023, to which they did not respond and did not rectify this error.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2023, I checked my credit report and noticed fraudulent inquiries reporting on my credit report. I have contacted Experian and XXXX multiple times to get these inquiries removed and nothing was done. 

According to 15 USC 1681 s-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 explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc.
State: NJ

Complaint narrative:
I am not paying this bill I have insurance and it should have covered it. I am about to have my first baby and I do not have the funds. This also violates hippa, my medical bills were released to a different company.. my husband is a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I had home remodel. The Salesman visited me on XX/XX/23 and later that evening called to ask for income info. He applied for 2 loans in my name. I was denied and the other a finance company approved it. I never had any contact with either company. 
I did not ask or was told all he was doing. The finance company paid him {$25000.00} and I still do not know what he agreed to. I have a monthly bill of {$470.00} a month at 13.50 % interest. I see Realestate loan, I see Auto loan, I see secured loan. I don't know if it's fixed, variable or balloon. I have paid it twice and don't know what was on the application. I never saw and don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have a new account with Venmo. I have made my payments in XXXX of {$150.00}, {$200.00}, and {$500.00} dollars because I have been using my venmo card and I was paying down the balance. I have used my checking account to make these payments and all payments minus the {$500.00} payment has directly went to my card. I made the {$500.00} payment on XX/XX/XXXX and it still has not shown as credit on my card, which means I am still paying interest on items that I should have paid off. It also means that on the XXXX the payment cleared my checking account so they have gotten the full amount but still have refused to apply it to my credit card. When I called Venmo they said they can't do a thing. I asked to speak to a manager and they put me on a 45 minute hold until I finally gave up. I have written to them and asked them to release my money to my account and they said I only deposited {$300.00} dollars and it was released, when my banking account and my credit card account both show {$500.00} payment. I have tried multiple times to have them release my money onto the credit card account they refuse to.

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 2023-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I believe. I have been frauded by Santander Consumer USA on my credit report they have the account XXXX closed and then they have it paid off I have disputed this company on several occasions because the information on my credit report is incorrect also the dates are inaccurate. On one report they have date opened on XXXX and on another report they have date opened on XXXX XXXX and on one report they have this account as a collection account and on another report, they have the status closed for {$6200.00} as a written off charge. Please remove this off of my credit report because this company is using my information for their financial gains from my credit report. 
Thank You Much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
The following collection companies continuously harass me on a daily and they do nothing but try to get me to say I'm XXXX XXXX, they will even make up stories or lies to get me to confirm its me, XXXX XXXX XXXX {$980.00} XXXX XXXX  XXXX {$920.00} XXXX XXXX XXXX {$520.00} Re : Complaint against Harassing Collections Practices Stemming from Identity Theft I am filing a complaint due to ongoing harassment from ABOVE collections companies. These calls have been causing undue stress and inconvenience. Moreover, these alleged debts are not mine but are the result of identity theft that occurred in 2018. 


I have been receiving frequent and intrusive calls from various phone numbers, often in the early morning and late afternoon. These calls are disruptive to both my personal and work life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
On Monday, XX/XX/ at XXXX PDT I was calling my lender, Mohela XXXX to see if I can request for a refund credit for making payments during COVID-19. Since the financial aid website stated this may be possible, I wanted to contact my lenders customer service representative on this request. However, I have been on hold for over 4 hours with no one acknowledging my call. Since there is a time difference, the loan company was closed, and I was not able to request for it. This was Monday was the deadline to request for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Star Loans of Texas, Inc.
State: TX

Complaint narrative:
For the last 3 months I have called to make my payments on the last day of the month during posted business hours. First when I call, I am told their system is down. After I persist, I have been told their system is closed and payments wouldnt be posted until the next day. I have countered with the fact that I am making this payment during their posted business hours. I was told that they can close out their day prior to close of business. I explained that was not legal or correct. Their response has been it wont be posted until the next day. 

I made my XXXX payment on XX/XX/2023 at XXXX for {$130.00}. I made my XXXX payment on XX/XX/2023 at XXXX for {$130.00} I would like to know why am I being told my payments would be posted on another day when the payments have been made during posted business hours. 

I now show a delinquent mark on my credit report for the XXXX payment. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in processing disputes to delete an remove all inaccurate information that is hindering my file with experian. this has been a issue that ive addressed an seen no update or results. alot of items are invalid an not accurate on all 3 credit files. please review an remove the listed items to correct my report asap of the items in question asap.

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 2023-09-02 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: MA

Complaint narrative:
To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes and the other bureaus have removed it of my credit report, but you guys refused to do so. I have submitted my police report and FTC report, and verified my identification etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge

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 2023-09-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dates go from XX/XX/XXXX XXXX  through XX/XX/ Amount : {$1500.00} Action taken by company : No action was taken by company I am writing in response to a credit report that I recently received, which suggests that I owe some amount. However, I have not received any documentation or proof substantiating these claims. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards, therefore the data in my credit report can not be accurate and complete. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated 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 explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-02 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There is a late fee on my credit report that should be removed.

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 2023-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MD

Complaint narrative:
On 3rd I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Hunter Warfield Inc. Collection Agency in XXXX  showing a balance of {$23000.00}. Hunter Warfield IncXXXX Collection Agency failed to respond to my validation letter as of XXXX XXXX. The uploaded attachment the letter that was mailed along with tracking information which shows when the agency received the letter.

Company response to consumer: Closed with explanation