vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed you are reporting this account with a PAST DUE BALANCE, this is inaccurate reporting and should be removed immediately. 

Here are the items I am asking you to verify as accurate : XXXX. XXXX | XXXX  After your investigation is complete, please send me the results via mail.

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 2022-02-05 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: LA

Complaint narrative:
on XXXX XXXX i sent the XXXX of transunion of XXXX XXXX fact. demanding XXXX provide verification under penalty of perjury. that by law XXXX has the right report my XXXX information ; i give nor gave any XXXX nor verbally permission to report on my behalf. the reporting is damaging me, mentally and physically. if the matter is not correct within XXXX calendar days. i will process with the matter in a XXXX  court in front a jury not a XXXX XXXX. am stating on the record and let the record reflected am the consumer, living breathing man, XXXX, beneficiary and XXXX of name and estate. i have reason to believe and do so great faith.

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 2022-02-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter via certified mail delivered on XX/XX/21 to XXXX regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. 

I sent a letter via certified mail delivered on XX/XX/21 asking for Transunion to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). There is a note on my credit report that this " meets XXXX requirements ''. 

It has now been well over XXXX days since I initiated contact with XXXX, and over XXXX since I contacted Transunion. I do not believe that an investigation was done at all.

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 2022-02-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have noticed multiple inquiries on my report that I dont recognize

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 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
Unable to validate debt. claims account closed and charged off. However they are reporting the account and balance as open it's illegal to report a charged off account open account needs to be deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a complaint to Experian on XX/XX/2022 pertaining to a issue about inaccurate balances reporting on my consumer report. They responded on XX/XX/2022. They stated that they started a reinvestigation and started to contact the furnishers. I want to stress that they have to conduct their own investigation and not just wait on the furnishers to reply. They also claimed that the other balance I disputed is not on my consumer report. The two balances I disputed were with XXXX Bank and XXXX Bank. The balance with XXXX Bank is in fact on my consumer 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 explanation
Consumer complaint received 2022-02-05 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: NJ

Complaint narrative:
I have noticed multiple inquiries on my report that I dont recognize

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 2022-02-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have noticed multiple inquiries on my report that I dont recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: LA

Complaint narrative:
on XXXX XXXX i sent the CEO of equifax XXXX XXXX ; a statment of fact. demanding he/she provide verification under penalty of perjury. that by law he/she has the right report my XXXX information ; i give nor gave any Writen nor verbally permission to report on my behalf. the reporting is damaging me, XXXX XXXX XXXX if the matter is not correct within XXXX calendar days. i will process with the matter in a district court in front a jury not a XXXX XXXX. am stating on the record and let the record reflected am the consumer, living breathing man, XXXX, XXXX  XXXX  XXXX of name and estate. i have reason to believe and do so great faith

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX National Credit system , Inc was contacted about a letter received in the mail about a debt for the amount of XXXX. XXXX was the person responsible for the account. When, i was transferred i was connected to her. As, the representative she was the one handling my case. We talked on the phone about the the debt owed to the XXXX XXXX then I informed her after looking at the charge statement that there were discrepancy and inaccurate information reported from the XXXX  XXXX XXXX. When, this was mention to XXXX XXXX she kept referring me to the lease agreement and kept telling me that I still have to pay the debt even if what they are reporting is false. Also, when asked for a more details charge statement XXXX was unable to provide the documents claims. 
However, a proper noticed was given to the XXXX XXXX in which they Summit falsified information to the collection. In they are telling me to pay and that their client have a right to whatever charge and i have to pay. I explained to her that a written notice was given and the correct move out date which was XX/XX/XXXX. 

After, that I kept asking for a better explanation to properly understand the charges XXXX proceeded to tell me " she was not going to keep going back and forth with me because has already explained to me ''. Which, was when I told her " I'm not going back and forth with you because I'm trying to understand these charges which are not making any sense to me '' then she said " yes you are, '' then I said " I'm trying to understand these charges, ''. 

However, the conversation carried on in which XXXX started to become very unprofessional, rude, emotional and condocending. Then, proceeded to abruptly disconnect the call. 
She also brought up that " they were her clients '' and I replied back " Yes, they are your clients so your going to do everything you can to get me to pay even if its false, so you are bias in this matter because your not her for me but for your client. She She told me I was taking this personal and making this personal. In, which I had to say " no I'm not, '' again. I, then told her that I'm trying to understand charges. I'm being told to to include late fee in the amount but it is included in the statement charge. 
On top of that when asked for a detailed statement she said she has to contact her client for them to properly confirm but if that was the case the settlement would be no more and it could more to pay for me. Also, to send in documents and a letter about the charges. She then proceeded to escalate the the dispute when I did not give consent or direct permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I advised representative I didn't recognize some of the charges on the account. I asked for a debt validation letter was never sent. Also reporting account as open on my credit report. If the account has been charged off should not be reporting as an open account that is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Collectors from Comenity Bank in Denver and in Ohio have repeatedly called looking for somebody with the same last name. They have been told this is a wrong number, nobody by that name lives here and been asked not to call anymore. 
The calls persist, even on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On or about XX/XX/XXXX, XXXX submitted an inquiry to all 3 credit bureaus Experian, XXXX, and XXXX. The inquiry dropped consumer 's score 38 points, affecting consumer 's credit worthiness and accuracy. The inquiry is an error and inaccurate. During the time between XX/XX/XXXX and XX/XX/XXXX there was an application submitted to XXXX for updating the account to postpone payments putting the account in deferral status. The deferment began from XX/XX/XXXX to XX/XX/XXXX. This deferment also applies to any delinquency on the account and has been addressed with a separate forbearance. FCRA is a federal law enacted in XXXX to promote the accuracy, fairness, relevancy, and privacy of consumer information in the file of credit reporting agencies. As with any regulation it is important to ensure compliance with the law and regulations to avoid violations and liability. Consumer was not made aware in writing of any late fees or late payments. Nor was it made clear and conspicuous that there would be an inquiry made to consumer 's report that XXXX would flag accounts as 90 days past due. This is false misleading and deceptive practices. Consumer has never given any written or expressed consent EXPERIAN, XXXX, or XXXX of written instruction to furnish any information on my consumer reports which is a violation of 15 USC 1681b and 15 USC 1681 ( a ) ( 2 ) " Permissible purposes of consumer reports. The following accounts were never past due or late and should be listed in good standing as previous to consumer 's score dropping 38 points. Experian reports 2 accounts with XXXX as having 1 late payment, but then says its 90 days past due. These inquiries are completely inaccurate. XXXX made the late payment inquiry the same day they reapproved the deferment. The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. False representations or deceptive means. A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

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 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
Due to the impact of XXXX on my business Shellpoint Mortgage Servicing agreed to extend a forbearance on my loan payments until XX/XX/2021. 
At the end of XX/XX/2021 my application for loan modification was under review with Shellpoint Mortgage Servicing. 
Shellpoint Mortgage Servicing reported XXXX days delinquent and XXXX days delinquent to my credit report in XXXX and then XXXX of XXXX 
At this time I was not XXXX or XXXX days late as I was protected by my forbearance period and my application for loan modification was under review. I was in contact on a daily basis with Shellpoint Mortgage Servicing and not once was informed that delinquencies existed on my account. 
I reinstated my loan entirely by paying the entire balance accrued during the forbearance period to Shellpoint Mortgage Servicing. 
Since XXXX of XXXX I have been disputing the delinquencies on my credit report with Shellpoint Mortgage Servicing and the credit bureaus to no avail. 
It has been almost XXXX months that I have been trying to remove this negative item from my credit. My account is in good standing and my payments are made in full, and on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed you are reporting this account with a PAST DUE BALANCE, this is inaccurate reporting and should be removed immediately. 

Here are the items I am asking you to verify as accurate : 1. XXXX | XXXX  After your investigation is complete, please send me the results via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi Bank Credit Card Charged {$95.00} Membership Fee I've been pay off for my card LAST YEAR and save the card for emergency use in case for the bad situation for this year ( it's meant the card been not using for the whole year ), and I do have couple card without charge membership fee.

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 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I couldnt afford to make the payment because I was making payments and it was not going towards the principal. Instead the balance kept rising. So I decided to surrender the car in XX/XX/XXXX. They sold it in XX/XX/XXXX. They never sent me a repo letter. Also they never adjusted the balance. Also on my report its still saying open and that I was making payments. So I checked my credit XX/XX/XXXX and it says I missed a payment which caused my credit score to drop 38points. They never contact me a bout the vehicle once it was sold I had to call and request documentation. And on the document it says something totally different from the credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX I received a email notification from HaIsted Financial Collection with an attempt to collect on a satisfied account for the Home Shopping Network. In dealing directly XXXX and the original creditor directly XXXX XXXX  who issued the HSN card the original account number confirmed by XXXX collection and XXXX XXXXHSN Card ended in XXXX with reference number XXXX by which a settlement agreement to satisfy all outstanding fees to HSN in the amount of {$340.00} which was paid via money order on XX/XX/XXXX. Please see attachment. I do not owe this debt Halsted Financial is attempting to collect upon for XXXX XXXX XXXX who is not the original creditor for HSN. I do not owe this debt and this is a fraudulent attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: FL

Complaint narrative:
I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Experian in violation of Federal Law. Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX NA Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX CAP XXXX NA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The following account is not mine XXXX XXXX Account Number : 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 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Dear Sir/Madam, This is to report that TD Bank has created multiple accounts under my name and sent out credit card, ATM cards etc without my knowledge. 

Please take necessary steps to stop this fraud activity, take actions against those who are behind this fraud. 

Let me get an update, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
Opened account in XX/XX/XXXX. With {$1000.00} in purchases over 3 months we were to receive a {$200.00} bonus. Over 2 months we spent {$3000.00}. The account was closed in XX/XX/XXXX with no explanation and the {$200.00} bonus was not paid.

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 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I couldnt afford to make the payment because I was making payments and it was not going towards the principal. Instead the balance kept rising. So I decided to surrender the car in XX/XX/XXXX. They sold it in XX/XX/XXXX. They never sent me a repo letter. Also they never adjusted the balance. Also on my report its still saying open and that I was making payments. So I checked my credit XX/XX/XXXX and it says I missed a payment which caused my credit score to drop 38points. They never contact me a bout the vehicle once it was sold I had to call and request documentation. And on the document it says something totally different from 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 explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I purchased items from their website. The items werent as described and then they double charged me. I returned everything. They are saying they never received the items and now they said my account is significantly passed due. I never got a bill and they wont credit the account and the bank that has the card account wont help me

Company response to consumer: Closed with explanation