vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: Freedom Mortgage Company
State: OK

Complaint narrative:
My mortgage was initiated with XXXX XXXX XX/XX/XXXX. I was told by the XXXX XXXX in XXXX my loan would be transferred to Freedom Mortgage so the payment I make would be transferred. I called to ensure I was paying in advance to get the option to pay every XXXX weeks split payment of XXXX. 
I made a payment to XXXX XXXX for my first month on XX/XX/XXXX. XX/XX/XXXX I received my payment disclosure showing a discrepancy which I contacted XXXX XXXX to discuss the transfer amount. 
I paid XX/XX/XXXX in full for XX/XX/XXXX which the account was due at that time. I contacted freedom mortgage which they said I pay in advance so I am always ahead. 
Moving forward, XX/XX/XXXX I have autopay in which the FIRST payment was MISSED, but I was already in advance. 
My next withdrawal occurred with no problem for that month. 
I checked my credit and it showed I was delinquent which in fact I was already paid in ADVANCE. 
I contacted Freedom Mortgage which a supervisor. Stated they would resolve this and you are not late. 

I then inquired about the option to safeguard my credit using forbearance but I NEVER SIGNED since I didnt want to use it since my credit was already impacted. 
I waited for the representative to contact me back after XXXX weeks I contacted them back with no changes and no documentation noted, I proceeded to mail all the documentation to the creditors and Freedom Mortgage on or around XX/XX/XXXX. 
I paid on time, the servicer then still reflected my credit inaccurate along with my payments applied correctly, stating they only see the escrow payment transfer from previous company. Please see my payment for escrow ( XX/XX/XXXX ) and payment for mortgage on XX/XX/XXXX. 
The company took my escrow and applied partial half payment to my payment for month of XX/XX/XXXX, then reported me as late for full month XX/XX/XXXX. I paid the balance XXXX for partial they stated was late asking them to have accounting contact my first servicer, XXXX XXXX and find why my payment is showing late if I could ONLY GET ON A BIWEEKLY PLAY IF YOU PAY IN ADVANCE A TOTAL OF 1 MONTH PRIOR. 
I paid over {$15000.00} for XX/XX/XXXX for next XXXX MONTHS. 
The company then said I was on a forebearance plan and would not report my credit as paid even though I PAID AND NEVER SIGNED ANY DOCUMENTS. My credit reporting accounts shows late indicator XXXX which is XXXX DAYS LATE. 

I never signed forebearance documents ; I paid advance 1 month prior to start of loan on XX/XX/XXXX but my credit now dropped XXXX to XXXX overall.

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 2023-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I was contacted by phone by a debt collection company, Phoenix Financial Services, regarding a debt alleged incurred by someone with the same name on the other side of the country from me. The phone agents were rude, harassing and keep hanging up on me forcing me to call them back again and again to try and get information to dispute the alleged debt. On XX/XX/XXXX the agency sent me a letter demanding the money. The information contained in the letter clearly shows that the agency believed incurred the debt has a different middle name than I do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These companies obtained a copy of my consumer report without my consent or authorization which placed an inquiry on my report which in turn has stopped me from obtaining credit I want them removed immediately or will proceed in legal proceedings XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX and XXXX and XXXX and XXXX XXXXXXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the unauthorized inquiries on my credit report as listed in the report provided by the credit agency. I believe that these inquiries were made without my consent or valid legal reason, which is causing XXXX and strife in my like and is also a is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681b ( f ) of the FCRA. And by right of law, all of the information on my report Must be accurate.

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 2023-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-21 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have several credit cards account opened in my name without my consent. I noticed this been done when i tried applying for an apartment and my credit report had all of these credit cards account open which affected my credit scores and opportunity to get the apartment. I need my credit to be repaired and to remove all of these fraud accounts that were open without my knowledge. It isnt fair for me to be stuck and having to pay for something i didnt authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: NJ

Complaint narrative:
On several occasions we wrote and called both Paragon Revenue Group as well as XXXX XXXX XXXX for s list of services rendered, insurance billing, and itemized bill. They never complied or responded other than sending the same bill repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I applied on line for an American Express " Platinum '' credit card on XX/XX/2023. 
After realizing that American Express has many different types of " Platinum '' cards with different perks and fees I discovered that I mistakenly applied for a different " Platinum '' card than I had intended. 

I then called them on XX/XX/XXXX  and explained to them that I had not intended to apply for this particular " Platinum '' card and asked that it be cancelled. 

I never received or activated a card from them and did not receive any further mail, email communication or statements from them regarding the matter until XX/XX/XXXX at which time I received a statement saying I owed a {$250.00} annual fee. 

I immediately called American Express expressing my concern and was told it would be looked into and I would be contacted with-in 10 days by email which they did not do. 

I followed up on XX/XX/XXXX  and was told there was nothing they would do and that I am responsible for the {$250.00} fee. I again requested cancellation and have yet to hear back concerning the cancellation. I should not be responsible for this {$250.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have been a long time user with zelle. Zelle restricted my account with no type of explanation as to why. Stated they dont have that information, they just know its closed and I can review their legal disclaimer on their site. This is ridiculous, I get it if I violated ANY terms but I have not & to restrict me for no reason or without any explanation is absurd

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The XXXX own leasing account needs to be adjusted to the correct amount! The business scammed me into signing a lease that they were going to over charge me for from the beginning! I am not asking for the item to be removed but I am needing to balance to be adjusted as this is not right! This is affecting my credit tremendously and needs to be corrected! They are offering to settle the balance for {$800.00} after trying to charge me almost {$4000.00} for a {$1000.00} bed. Please correct the balance for the XXXX own leasing account to {$800.00}.

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 2023-12-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I signed up for credit monitoring and noticed some unauthorized inquiries on my credit report. Please remove, i did not authorize these inquiries, nor do i have any knowledge of them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention a matter of utmost concern regarding a hard inquiry that has appeared on my credit report, allegedly conducted by XXXX. After careful review of my records, I find myself compelled to dispute this inquiry due to a lack of proper validation and verification processes on the part of XXXX. 

XXXX - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Oak Springs Capital, LLC called my work number ( provided above ). This is a violation as I did not give them permission. I am dealing with identity theft and do not k own what debt they are trying to collect. 

Thank you for any assistance with this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
Caine & Weiner has again reported incorrect, untrue, a debt collection from who knows when and who knows where in the amount of {$94.00} on the consumer profile of XXXX XXXX XXXX, requests have been made as to the authenticity of alleged debt, evidence of any sort and capacity demonstrating a relationship of financial obligation and to this moment none has been produced. 
I am stating I will NOT PAY THIS debt as it is not a debt that is valid and better yet truthful. Caine & Weiner has intentionally been reporting this debt collection and doing so in an unsavory manner. 
This is a violation of my copyright trademark I have for my name as I am a business & corporation and this has caused damages financially, reputationally, as well as professionally. 
Each violation is a fine amount of {$250000.00} Remove this false un-owed debt immediately. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im begging you please remove this to the 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 2023-12-21 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: TX

Complaint narrative:
This letter is my final communication to Experian regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

1. Account XXXX XXXX XXXX XXXXXXXX ( XXXX and XXXX have removed this account ) 2. Account : XXXX XXXX XXXX ( XXXX has removed this account ) XXXX. Account : XXXX XXXX XXXX ( XXXX have removed this account ) I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ).

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Please see the attached dispute letter that is dated and time stamped for your reference.

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 2023-12-21 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: Atlanticus Services Corporation
State: IN

Complaint narrative:
I never applied nor received any products or services from this company yet they are on my credit report. I have called and spoke with them multiple times and was told someone would be reaching out to me. They have never called. It takes forever to get through to someone because I have no account information to navigate through the system. Once I do talk to someone and tell them they can not find where I have spoken to them before. I do this every month yet nothing. I did file with the Federal Trade Commission in 2020 due to my Identity being stolen and have had a couple things effect my credit situation. I don't know if this is because of that or not. Regardless along with this deragatory mark on my credit it is keeping me from getting a fair interest rate on a car and also not allowing me to use my one time Veteran Home Loan. I need them to delete this. If not I want to know whom to put on court paperwork in order to Compel them to show me the information they have in which why this account is in my name at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Called Truist as to why they charged {$3.00} on my business checking account. It showed as force pay debit. I received no letter with explanation. They could not tell on their side that it was a bank assessing the fee and had me on hold for 2 hrs with the fraud department and then they just asked me at the end to go to a branch. I still do not know true issue. They didnt tell me what the {$3.00} was for and would not confirm on the phone if it was a fee from the bank.

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