vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XX/XX/2023, I learned of Community Capital Bank ( CCCB ) presenting a negative report and contacted the Company. The alleged debt evolved from an interest fee applied 12 days after the account was paid in full. 
When I informed the agent, I was not informed of any past or present charges ; she looked deeper into the account and realized my email address was incorrect and since my statements are paperless, I could not have been informed. 
The Agent then reversed all fees and penalties and allowed me to pay the alleged {$6.00} interest charged after my attempt to pay the balance in full. The payment was cleared and posted XX/XX/2023. On XX/XX/2023 CCCB again reported I had a balance of {$58.00} over 60 days past due. 
In response to my dispute XXXX updated the report on XX/XX/2023. Not only does it still show Im over 60 days past due ; the CCB reported {$28.00} due as of XX/XX/2023 yet a balance of {$58.00}. A result of CCBs action my credit score has plummeted from XXXX in XXXX to XXXX today. With the evidence I have presented and when you see in your own files, all my creditors report never late, I pray you will take appropriate action to remove Community Capital Banks false report and ramifications caused by it, from my report. 
Community Capital blames XXXX. XXXX Blames Community Capital. Neither will take the effort to resolve it inspite of information I have supplied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20 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: TN

Complaint narrative:
In accordance Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account reference number XXXX has violated my rights. 15 U.S.C 1681section 602. A. states I have the right to privacy. 15 U.S.C 1681 section 604. A. It also states consumer Reporting Agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

1. DPT EDXXXX / Account # : XXXX has violated my rights. 

2. DPT EDXXXX / Account # : XXXX has violated my rights. 

3. DPT EDXXXX / Account # : XXXX has violated my rights. 

4. XXXX XXXX XXXX / Account # : XXXX has violated my rights. 

5. DPT EDXXXX / Account # : XXXX has violated my rights. 

6. XXXX / Account # : XXXX Wrong Name And Addresses. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-10-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

1. DPT EDXXXX / Account # : XXXX has violated my rights. 

2. DPT EDXXXX / Account # : XXXX has violated my rights. 

3. DPT EDXXXX / Account # : XXXX has violated my rights. 

4. XXXX XXXX XXXX / Account # : XXXX has violated my rights. 

5. DPT EDXXXX / Account # : XXXX has violated my rights. 

6. XXXX / Account # : XXXX Wrong Name And Addresses. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lenmo Inc
State: OH

Complaint narrative:
I sought out the services of Lenme to assist in a short term financial issue that I was having. Being in a tight spot I went with the first option that I could get. Lenme happened to be that option, however, it was not what I was expecting it to be. The company ended up charging me a 200 % interest rate over the course of 1 year. Fast forward to last week, and I realized that something just wasn't right about this. I then attempted to contact the company, which only provides support through email or live chat. I requested to negotiate the terms of the loan, and maybe to refinance at a much lower affordable interest rate. That was immediately thrown aside and I was told that it could not be done. I began to feel very frustrated and defeated at that point. At a later date, continuing to be frustrated I requested a copy of the original agreement. The company has refused every attempt I have made to provide me with this information. To my understanding a company is required to provide this information if it is requested by the party it concerns. I then requested the company to terminate my authorization for automatic withdraws from my bank account which they refused. I know for a fact that this is in violation of CFPB rules, and I have pictures to prove this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: FL

Complaint narrative:
This is the second time I make this request the following two accounts I do not recognize and I suspect they are the product of identity theft, I have already inquired directly with XXXX but they have not been able to furnish me with any proof, the accounts in question are : XXXX XXXX {$2500.00} XX/XX/2019 XXXX XXXX XXXX These items were once removed from XXXX and XXXX but they have put them back, I know theres a law that forbids credit bureus from doing this. I need accountability here, that is why I am filing this report. 

I am attaching a copy of a complaint I made last 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 non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: MD

Complaint narrative:
Hello, I applied for contract employment with XXXX XXXX XXXX XXXX They requested a background check be completed. I complied and a company named Checkr supposedly investigated my criminal background on XX/XX/XXXX. I then received another notice afterwards on XX/XX/XXXX saying that adverse action was being taken. The report said I had seven days to reply to conflicts involving employment or termination resulting from Checkrs background check. On XX/XX/XXXX I received an email from XXXX saying they did not want to continue the onboarding process. After reviewing the report I discovered the reason they denied me was inaccurate information as presented in the email and report. I attempted to contact them on XX/XX/XXXX. After XXXX minutes of hold time an agent spoke with me briefly. She said hello, asked me my name and social, and then said her computer was down could I hold the line. XXXX minutes later she came back said her computer was having trouble and hung up the phone. 

Thank you for reviewing and the reason for all this is because checker listed XXXX charges with a disposition date of XX/XX/XXXX. No disposition on said date was given. The report even lists the charge date as XX/XX/XXXX. It is impossible for a disposition to come before a charge therefore I challenge any of the information as being accurate and have become damaged due to reports. No one reviews the information at Checkrs before passing it on and your assistance would be appreciated. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. No response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-20 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: CT

Complaint narrative:
There are multiple charge offs reporting and that is illegal to do because charge offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The documents I attached is a screenshot of the IRS indicating about cancelled debt and how its income and the 3 consumer reporting agencies reporting the charge off also stated the law USC 1681. I never authorized the bureaus to report this and this is defamation. 
I can ligate the bureaus for defamation because they're reporting information that they are not supposed to which will damage me financially and emotionally.

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 2023-10-20 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: FL

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX has violated my rights. 

XXXX XXXX XXXX  Account # : XXXX has violated my rights. 

Wrong Addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-10-20 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX Original Creditor XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

Wrong Addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
In XX/XX/2023 I refinanced my mortgage. Arvest Bank took over as the servicer of the new mortgage. My first payment was due on XX/XX/2023 in the amount of {$1800.00}, which includes {$570.00} for impounds ( insurance and taxes ). I round my payments up to {$1900.00} to bring down the principal a little bit faster. My initial payment was sent in as two payments of {$1900.00} each. Both were received by the bank on XX/XX/2023. A few weeks later I received a statement showing that one payment was applied on XX/XX/XXXX and the other was being held to be applied on XX/XX/XXXX. My payments are set up automatically with my bank and the XXXX payment was already processed to be sent on time. 

I contacted Arvest and notified them that they had erred in their processing and that the second payment was an additional principal payment. In XXXX I received a letter from Arvest that they were investigating the situation. Finally, in mid-XXXX, I received a letter from XXXX XXXX, Mortgage Servicing Manager of Arvest Bank stating that the amount had been removed from the XX/XX/XXXX payment and processed as a an additional principal payment, but on XX/XX/XXXX, not on XX/XX/XXXX. 

I am being charged interest on principal that was paid on XX/XX/XXXX. Per XXXX XXXX 's letter ( attached ), the payment was received by Arvest on XX/XX/XXXX, yet they are not processing it until more than two months later. They are charging me interest on principal that has already been paid. This needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Starmark Financial LLC
State: UT

Complaint narrative:
I received a loan through credit ninja that was transferred to their collections department, I currently have a debt settlement programme set up through XXXX XXXX. They have texted my father, mother and uncle about my debt and have been aggressively trying to get the money owed. Yesterday I requested the information about the account and they would not give it to me.

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 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I sent to the address for the cashier of the mortgage servicer ( SPS ) a check in the amount of {$100000.00} - It sent it XXXX XXXX XXXXXXXX. XXXX says it arrived at the cashier on XX/XX/28 at about XXXX. The check was made payable to me ( I endorsed it ) and them as the mortgage servicer. This check to fully pay off my mortgage. 

I have been calling them to find out the status with varying results. Today I spoke with XXXX who told me that their system showed that the check was there and was being researched. She then transferred me to their claims department where " XXXX '' told me that they didn't have the check ( including referencing that " XXXX '' told her that they didn't have it in XXXX XXXX XXXX ) and my best course of action was to get a new check. 

Getting a new check will be " difficult ' as it was the result of a lawsuit with an insurance company. I attach a XXXX receipt showing that they go the check. 

In my various contacts with SPS they have suggested that the check is there and they have escalated to have it applied to the account. 

Today after this they placed me on a long hold and then I was disconnected. The letter I attach is a copy of the one I sent in with the check. This one was addressed to the claims department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation