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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On several occasions since XX/XX/2022, I have informed Experian Credit Bureau of the error on my report regarding a duplicate negative entry from XXXX XXXX that was paid in full. Experian, unlike the other 2 credit bureaus XXXX XXXX XXXX XXXX ), has refused to correct the error. Nor have they provided me with any information regarding the validity of this duplicate erroneous accountnor have they provided me with any substantiating information regarding what steps or efforts they have taken in regards to the several disputes I have requested for this account. They only provide me with a generic this account has been investigated. 

I believe that Experian is intentionally allowing erroneous entries to remain on consumers credit report in order to artificially deflate ones credit score for the sake of benefiting their clients ( corporations, landlords, financial institutions, etc ). This allows their clients to charge consumers higher interest rates, charge exorbitant rental deposits, or deny housing opportunities altogether. This appears to be a systemic problem with Experian and it is quite unfortunate for the underrepresented population who depends on the credit bureaus to exercise integrity when providing credit information to the bureaus corporate clients.

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 — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: NJ

Complaint narrative:
As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AFNI INC for them to have obtain my personal information. With AFNI INC obtaining my personal information without my consent they are in fact in violation of 15 USC 1692 for infringement upon my consumer 's right to privacy and they have also committed fraud and identity thief for purchasing my personal information. AFNI INC also in violation of 15 USC 1692j for furnishing deceptive form making it seem like I owe this allege debt when in fact I don't.

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: Experian Information Solutions Inc.
State: IN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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 written instruction.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the fair credit report act these accounts has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other

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: WI

Complaint narrative:
In accordance with the fair credit report act these accounts has violated my rights XXXX # XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
I emailed the company on XX/XX/XXXX for a PMI waiver request as our home is worth significantly more than we bought it for so we're above 22 % equity, and it said I would get a response within 30 days and never did. I responded on XX/XX/XXXX to confirm they got my waiver and got the exact same 30 day automatic email response. I then messaged them and they said I would have a response within a few days. After not hearing anything I emailed AGAIN on XX/XX/XXXX and got the SAME automatic email. I then messaged again and they said they were working on it. I messaged AGAIN and the service rep I spoke with blamed me multiple times for the late response and said it would be 30 days from when I messaged her, which at that point was a solid 45 days after my waiver was sent. I messaged last Thursday and was told they flagged it so it would be a priority and got an email on Friday saying the matter was closed. I messaged on Tuesday to confirm as I hadn't gotten a response still, and they said they didn't know why it was closed and had to re-open my case. I then messaged again today and they said it was flagged but still hadn't been completed. It has been almost 60 days since I sent my initial email, meaning I'm paying additional PMI that I shouldn't be because they won't respond to my request so they can continue making an additional XXXX dollars off of me every month.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I received a checking statement on XX/XX/2022 from Wells Fargo. I immediately contacted them to advise that I never opened this account, I wanted it closed and I needed to report as identity theft. I spoke with XXXX and she advised she had taken care of everything. In XXXX I received another statement, I contacted Wells Fargo again and stated I wanted the account closed as this was identity theft. I received another statement in XXXX, called and spoke with XXXX she advised the account was closed and it had been reported to their theft department. I received another statement at the end of XXXX, account is not closed it is still open. Today I spoke with XXXX in the fraud department. I was advised that the account was closed and they were about to mail a resolution letter. I am unclear how I can continue to receive statements on a closed account that was reported as fraud. Wells Fargo was citied for doing this practice a few years ago. I never contacted them to open a checking account and they seem to not want to close the account and bring this to a resolution. I need help.

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/21, I filed a CFPB complaint XXXX stating that this company had not responded to me after an entire YEAR. So almost another whole year has gone by, and I've yet to hear from them. I found a settlement letter online, and although I do not acknowledge financial responsibility for this debt, I offered a settlement. Still, Portfolio hasn't responded. Why is that, and what information have they provided the bureaus saying the account is verified? Portfolio Recovery 's lack of due diligence has been stressful and I've been denied credit!

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XX/XX/2021 sent {$800.00} to this email XXXX This man was pretending to be military and that he loved me and needed the money as early release out of the military. He went by XXXX XXXX and found me on XXXX pretending to be another man. I found out that it was not him and he lied to me and scammed me. He made fake military Id and passport that he sent me that I screen shot.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: NC

Complaint narrative:
On XX/XX/2022, First Advantage produced my background report at the request of a company who had made me an offer of employment. 

All information in the background report is correct, except for the criminal records. My maiden name, XXXX, is very common. There is criminal activity on my report attributed to someone named XXXX XXXX, who presumably has the same date of birth as I do. There is no other information in common, as I was advised the public records regarding criminal activity do not include Social Security Number. Further, her known addresses are in TN and MI -- states where I have never lived. 

This woman 's crimes have been attributed to me inaccurately in this background report, and based on very little evidence -- a very common last name and common date of birth. The end result is that my offer of employment has been rescinded. 

In the meantime, I have filed a dispute with First Advantage to have the criminal activity removed. They insist they must contact the court where this woman was convicted for further information to prove her crimes are not mine ; they have a copy of my drivers license now. The dispute will take 15-30 days to resolve. This is clearly unacceptable, as it impacts my ability to be employed.

Someone on the management team at First Advantage should be able to review this criminal 's name and addresses as they appear on my background report and confirm she and I are not the same person. There should not have to be another party involved to resolve the dispute.

This deeply flawed background report process pertaining to criminal activity has a meaningful impact on peoples ' lives and is a very serious matter. First Advantage must be pushed to amend their process so that people applying for jobs or to lease apartments are not viewed as " guilty until proven innocent '' based on loose search parameters tied to criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I have been working with my mortgage servicing company, LoanCare, for the past 7 weeks to address a few mistakes they've made in processing my loan payments. 

In XXXX, XXXX, and XX/XX/2022, I made 3 on time payments. Each monthly payment included an additional amount of principal paid ( which LoanCare refers to as curtailment ). These payments culminated in an unpaid principal balance of {$350000.00} as of XX/XX/2022. 

According to LoanCare, they incorrectly posted the Principal and Interest payments {$0.00} less than the contractual principal and interest for these 3 payments. So on XX/XX/2022, LoanCare attempted to correct these discrepancies by reversing the 3 payments ( including the curtailment amounts and escrow payments ) and reposting them with the correct amount. Unfortunately, they incorrectly reposted the payments which has resulted in a new {$0.00} discrepancy. After the reversals and repayment transactions were posted the unpaid principal balance grew to {$350000.00} which is {$0.00} more than what the balance was ( {$350000.00} ) on XX/XX/2022. 

There are 2 main issues contributing to the {$0.00} discrepancy. First, LoanCare reapplied the 3 original curtailment payments in one lump sum of {$210.00} on XX/XX/2022 after the 3 repayments were applied. Doing so, LoanCare did not properly reduce the principal balance between each monthly payment which affects the amount of interest and principal deducted. Secondly, LoanCare did not reapply the same principal and interest amounts as the original XXXX and XXXX payments. It is unclear what calculation they used for these transactions and they have not provided any insight into it. 

To properly reapply these payments, LoanCare should have reapplied the payments in the following order using the same number of days between payments to calculate the same interest as the original payment. 

1. XXXX principal and interest 2. XXXX curtailment amount 3. XXXX payment 4. XXXX curtailment amount 5. XXXX payment 6. XXXX curtailment amount Doing so ensures that the unpaid principal balance is reduced as expected before each subsequent payment is applied. 

I have shared this information in several calls with LoanCare, in a written letter, and with the XXXX XXXX XXXX. Since this issue was discovered, I have continued to make my payments on time ; however, each subsequent payment is now affected by this discrepancy. I have not received any indication to date that LoanCare intends to address this fix or that they even understand what they did wrong. It has been a frustrating 7 weeks.

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 — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: LA

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section A section 2 : It also states consumer reporting agencies can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat and payment on a credit card account under an open end consumer credit plan as late an purpose.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX  Acct # XXXX ( Personal Loan ) XXXX XXXX XXXX # ending in XXXX ( Credit Card ) XXXX XXXX  Acct # ending in XXXX ( Credit Card ) XXXX XXXX Acct # XXXX ( Collection ) XXXX Acct # ending in XXXX XXXX XXXX Acct # XXXX Bankruptcy XXXX XXXX Reference # XXXX Bankruptcy XXXX  XXXX Reference # XXXX have all 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 written instruction.

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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX  Acct # XXXX ( Personal Loan ) XXXX XXXX XXXX # ending in XXXX ( Credit Card ) XXXX XXXX Acct # ending in XXXX ( Credit Card ) XXXX XXXX Acct # XXXX ( Collection ) XXXX  Acct # ending in XXXX XXXX XXXX Acct # XXXX Bankruptcy XXXX XXXX Reference # XXXX Bankruptcy XXXX XXXX Reference # XXXX have all 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 written instruction.

Company response to consumer: Closed with explanation