vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 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: TN

Complaint narrative:
I have sent four ( 4 ) dispute letters from XX/XX/XXXX to XX/XX/XXXX to the bureaus highlighting inaccurate and incorrect information pulled directly from my credit report but the bureaus failed to remove these negatives information from my file. The bureaus kept stating after their investigation, the information disputed were accurate and verified, without providing any proof or the type of investigation used to verify these inaccurate and incorrect information. These bureaus even violated the FCRA regulation because no or proper investigation was conducted to verify the disputed information. Despite additional inaccurate and incorrect information, I always highlighted in each letter I sent, the bureaus failed to remove the negative information and kept reporting them in my credit file. All the disputed item information are in the attached letter I provided.

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 2022-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Looking at my credit report I see all my debts have been settled. Who ever garnished my wages has already garnished multiple wages from me. This debt should all be settled. The took so much money already! 

I was not notified of any wage garnishment and they are now again garnishing my wages, I don't know who is garnishing my wages! I did not get any notification. 

I have no idea how to contact them. 

Whoever did it garnished my wages already 4 or more years ago for multiple years. 

I do not know what to do. I can not afford them keep taking my wages. The debt is from more than 7 years ago. I don't know how to get a hold of anyone and have no idea who is garnishing my wages i kindly ask for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: FL

Complaint narrative:
This company Superlative RM is harassing me, my wife and daughter. We have no record of the debt they are trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I was in a COVID forbearance and when it ended I was told I could apply for a modification or a repayment plan. I submitted all the paperwork but was denied bc the lender does not allow more than one modification on the loan, and i previously had a modification, prior to COVID. When my state shut down and everything stopped working, I had no choice and was offered a forbearance. Now that it is over, the lender wants all the money, and refuses to offer any repayment. That is very unfair and not what I was promised. I submitted a new package for review and I am attaching the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
I did not receive communication from this collection agency by phone or by mail before the debt was placed on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days and still haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: STERLING JEWELERS, INC.
State: AL

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days and still haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: I.C. System, Inc.
State: AL

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit reports, it has been well over 30 days and still haven't received any investigation results.

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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In early XXXX I registered for a XXXX XXXX XXXX XXXX card In XX/XX/XXXX, I try and use this card ( as I had a habit of doing ) and it didn't work. I initially believed this to be my card being at its limit, but after investigating it, I realize that the card had been deleted, with no notice to me. Eventually, I am able to get XXXX to resolve the issue. 
Since that date, the card has not shown up on my TransUnion and XXXX credit reports. 
On XX/XX/XXXX, I did the following : I called XXXX about it, they told me it wasn't their fault and to call TransUnion. 
I called TransUnion, they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. 
I called XXXX, told them TransUnion said to call them, and they escalate me to one of their credit specialists. They tell me that the reason my card was deleted was because a credit agency told them it was fraud ( this is the first I was told the reason the card was deleted, despite me asking XXXX back when I got them to re-open it, at that time they told me they couldn't say why. ) and that the card was marked as deleted at TransUnion and XXXX, and that it was permanent unless I could get them to do a " Re-insertion '', they told me to call TransUnion again. 
I called TransUnion, telling them what XXXX told me, and they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. I stressed to them that it's not XXXX 's fault, and asked to speak to a supervisor, but they refused and told me to call XXXX. 
I called XXXX, told them what TransUnion said ( which is, not much ), and they said there's nothing they can do, it has to be solved by TransUnion. 

At this point, there's nothing to do but file a CFPB complaint, these companies will only ping-pong me endlessly.

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 2022-05-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the FCRA / 15 U.S.C 1681, I have certain rights as a consumer. Upon reviewing and comparing my current credit reports, I have discovered more than 20 violations of my rights across 15 different accounts. These violations span multiple sections of the FCRA including, but not limited to sections 602, 605, 607, 609 I attempted to file a dispute online with Equifax, however, their online system rejected my request.

Listed below are the accounts that ALL have discrepancies regarding " Date Last Active ''. None of these accounts have consistent dates across the credit bureaus for the same account. ( Please see attached documents that show the discrepancies ) Also, I do not agree with the dates listed as some accounts should be " aged out '' >>>Inconsistent and Inaccurate regarding Date Last Active for 12 accounts ] 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 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 Furthermore, some of these accounts have additional violations which are also highlighted below. 
>> [ Fraud : The following accounts do not belong to me. ] See attachment - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX L ) Account # XXXXAfter a previous dispute of this account, XXXX XXXX said that the account was " verified '' but did not provide any additional details. Because this is a fraudulent account, it essentially impossible to verify this account. This account should NOT be on my report. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # XXXX never opened an account with XXXX  in XXXX of XXXX. This account should NOT be on my report >> [ SAME ACCOUNT NUMBERS LISTED MULTIPLE TIMES WITH DIFFERENT BALANCE AMOUNTS ( See attached ) ] - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ... also ... XXXX XXXX Account # XXXX Account is being listed by the original creditor and a collection agency each listing has a different balance for the same account number - XXXX XXXXAccount # XXXX ( listed twice ) This Account is being listed twice. Each listing has a different balance for the same account number XXXX Accounts Older than 7 years and have not had activity within that time : ( see attached ) - XXXX XXXX XXXX  Account # : XXXX ( XXXX occurrences ) Statute has expired and should not be on my report any longer. 

XXXX XXXX XXXX accounts with no Creditor information listed ( see attached ) - CREDITOR UNKNOWN ACCOUNT # : XXXX - CREDITOR UNKNOWN ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX amount XXXX has 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 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 explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Debt was paid to Zales Commenity Bank and the company refused to drop the debt. 
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27 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: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit reports, it has been well over 30 days and still haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Please see previous complaint regarding this issue The company blatantly lied in their response with incorrect information about the situation Previous Complaint number is XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage A copy of the companies web site which a form was submitted for the favor on credit was submitted This also being filed with the office of the comp controller I resent your sarcastic tone and the lies written in your response. 
I despise passive aggressive behavior and liars. 
But thank you Because now I have written proof to file a complaint with the comp controller You may think its no big deal lying and throwing the blame back on the customer all with a immature child passive aggressive attitude. 
Not sure whom wrote the response but they should not represent your company. 
This is no way is how a professional company should respond to anyone Ever! 


1. Never did I ever say the tax shortage was not shell points fault You have a open escrow account for my mortgage It is your responsibility and fault if taxes and or insurance does not get paid in a timely matter. 

2. I have proof I am providing that I most certainly did send the proof of of the tax shortage immediately after I called and spoke to the rep and requested the escrow department look into the account Also I hate to be misquoted I said in 2013 way before your company was involved with my mortgage I had a lien from my association for a laughable 50 dollars but to remove was a process not worth repeating!!!!!!!! 

I ado said that your very own website says that you can do a one time favor for credit reporting Which a rep told me that you were able and since this was the first request I was more than likely to have that granted I am also providing proof of this Which by the way destroyed my credit and my sons summer semester Because!!!! 
I was in the middle of a loan when my score dropped 48 points! 

But when the obvious immature spiteful Im guess from the complaint got ahold of my request they denied it. 
And the rest is obviously easy to see because how the response was written 3. As stated in your letter with your sarcasm You wanted us to thank you for the lien not being placed And your double talk about the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: The Bureaus, Inc.
State: AL

Complaint narrative:
I filed a dispute in regard to the incorrect information on my credit report, it has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX  Account Numbers XXXX, XXXX, XXXX has Violated my rights. 

15 USC 1681 Section 602 H states that I have a right to privacy.

15 USC 1681 Section 604 Section 2 It also states a consumer report agency can not furnish an 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 2022-05-27 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, Convergent Account Numbers XXXX, XXXX, XXXX has Violated my rights. 

15 USC 1681 Section 602 H states that I have a right to privacy.

15 USC 1681 Section 604 Section 2 It also states a consumer report agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
Chase Auto Finance called on XX/XX/XXXX to report a stop payment of a check on XX/XX/XXXX. 

A payment was made from the dealership on XX/XX/2022 for full payoff of auto loan. 

The title was released from Chase to dealership. A refund for overpayment was sent to us. A letter acknowledging payment was received by us on XX/XX/2022. 

Chase has since submitted an erroneous credit record as the result of their error. 

They are requiring additional documentation from the dealership despite having record of payment on file. 

Despite trying to work and get information they deny attempts to clear this up and make restitution for the error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In early XXXX I registered for a Chase Freedom XXXX XXXX card In XX/XX/XXXX, I try and use this card ( as I had a habit of doing ) and it didn't work. I initially believed this to be my card being at its limit, but after investigating it, I realize that the card had been deleted, with no notice to me. Eventually, I am able to get Chase to resolve the issue. 
Since that date, the card has not shown up on my XXXX and XXXX credit reports. 
On XX/XX/XXXX, I did the following : I called Chase about it, they told me it wasn't their fault and to call XXXX. 
I called XXXX, they told me it wasn't their fault, Chase must not be reporting it, call Chase. 
I called Chase, told them XXXX said to call them, and they escalate me to XXXX of their credit specialists. They tell me that the reason my card was deleted was because a credit agency told them it was fraud ( this is the first I was told the reason the card was deleted, despite me asking Chase back when I got them to re-open it, at that time they told me they couldn't say why. ) and that the card was marked as deleted at XXXX and XXXX, and that it was permanent unless I could get them to do a " Re-insertion '', they told me to call XXXX again. 
I called XXXX, telling them what Chase told me, and they told me it wasn't their fault, Chase must not be reporting it, call Chase. I stressed to them that it's not Chase 's fault, and asked to speak to a supervisor, but they refused and told me to call Chase. 
I called Chase, told them what XXXX said ( which is, not much ), and they said there's nothing they can do, it has to be solved by XXXX. 

At this point, there's nothing to do but file a CFPB complaint, these companies will only ping-pong me endlessly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In early XXXX I registered for a XXXX XXXX XXXX XXXX card In XX/XX/XXXX, I try and use this card ( as I had a habit of doing ) and it didn't work. I initially believed this to be my card being at its limit, but after investigating it, I realize that the card had been deleted, with no notice to me. Eventually, I am able to get XXXX to resolve the issue. 
Since that date, the card has not shown up on my XXXX and Equifax credit reports. 
On XX/XX/XXXX, I did the following : I called XXXX about it, they told me it wasn't their fault and to call XXXX. 
I called XXXX, they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. 
I called XXXX, told them XXXX said to call them, and they escalate me to one of their credit specialists. They tell me that the reason my card was deleted was because a credit agency told them it was fraud ( this is the first I was told the reason the card was deleted, despite me asking XXXX back when I got them to re-open it, at that time they told me they couldn't say why. ) and that the card was marked as deleted at XXXX and Equifax, and that it was permanent unless I could get them to do a " Re-insertion '', they told me to call XXXX again. 
I called XXXX, telling them what XXXX told me, and they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. I stressed to them that it's not XXXX 's fault, and asked to speak to a supervisor, but they refused and told me to call XXXX. 
I called XXXX, told them what XXXX said ( which is, not much ), and they said there's nothing they can do, it has to be solved by XXXX. 

At this point, there's nothing to do but file a CFPB complaint, these companies will only ping-pong me endlessly.

Company response to consumer: Closed with explanation