vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On 3 separate occasions I asked XXXX, XXXX XXXX, and Equifax to dispute a collection on my credit report as incorrect. I asked for pictures as well as their documentation as I have mine. None of this was provided by the collection agency reporting the debt nor any of the 3 credit reporting agencies. When I tried to dispute again I was refused. They said the information was correct as reported by the company. When I asked what information was correct each reporting agency was UNABALE to give me that information. When I asked were they able to provide pictures they were NOT. I was able to provide that I paid on time and in full up until 3 weeks before my lease was up. I did NOT leave any damages NOR any furniture behind. They were UNABLE to provide any pictures proving their claim that I did. They rerented the apartment immediately after I moved out. I had a deposit of {$570.00} That should have covered majority of any moved out expenses. They did not report it to any collection agency for 3 years. So I was under the impression that everything was okay. Now I am finding out I owe {$2800.00}! They say I owe 6 water bills. That is not possible as it was built into the rent. I Have proof from XXXX XXXX who does their billing that I OWE NOTHING for water, sewer, trash, nor rent. They also owed us {$100.00} at the time we moved out for a referral bonus. That was never applied to anything. Our lease was up XX/XX/2020. We moved out XX/XX//2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed this fraudulent activity on my credit report XX/XX/XXXX. Once I reviewed my credit report I reached out to XXXX XXXX XXXXXXXX and they stated that the charges was dated for XX/XX/XXXX in the amount of {$2200.00}. I informed them that I did not go to a hospital or seek any major medical attention that year. 

Original Creditor : XXXX XXXX XXXX Creditor Info : 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 non-monetary relief
Consumer complaint received 2022-02-01 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: FL

Complaint narrative:
I noticed this fraudulent activity on my credit report XX/XX/XXXX. Once I reviewed my credit report I reached out to XXXXXXXX XXXX  XXXX and they stated that the charges was dated for XX/XX/XXXX in the amount of {$2200.00}. I informed them that I did not go to a hospital or seek any major medical attention that year. 

Original Creditor : XXXX XXXX XXXX Creditor Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of XXXX I opened a XXXX credit card with XXXX XXXX. Since then I have had exceptional payment history thats not being reported by Equifax. 

I reached out to XXXX XXXX and they told me they are reporting this account to Equifax. 

Equifax is not properly reporting my account, they arent even reporting it and it adversely affects my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Mortgage got sold to Mr. Cooper ( aka Nationstar Mortgage ). Went to set up bi-weekly payments, got sent their paperwork, filled it out. They received it and said I had to submit two months of full payments before they would turn on bi-weekly payments. I did that. Went to check two months later why it wasn't activated, they said the bank account information they had was incorrect. I asked them to tell me the routing number and account number they had, they did and I confirmed that was correct. It's also the same bank account information I have stored in the backend of their website that I used to make my first two full payments. Now they are telling me I have to go through the setup process again, even though they have everything. Customer service refuses to help resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I sent a letter on XX/XX/22 requesting to be removed as an authorized user from an account. I have yet to receive a response. Also, the authorized user account still remains on our 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 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have submitted a previous complaint against Discover regarding this issue ( complaint id XXXX ). 

Discover Financial Services is alleging that I owe them a debt that is not mine. I sent them a request to validate the debt as required by law. They received it on XX/XX/XXXX. They responded to me that they would investigate, however, never responded with the requirements in order to validate the debt like I asked them to do. I then sent them an Affidavit of Truth which they received on XX/XX/XXXX along with an invoice with the total charges of my violations from them. 
I received a response XX/XX/XXXX which stated that they have closed my account, however are still stating that I am liable to pay the alleged debt and enclosed statements as their evidence. 
Not only has Discover Financial Services ( XXXX XXXX and XXXX XXXX disregarded my Request for Validation under the FDCPA on numerous occasions, they have now again claimed that the account and balance is valid with no evidence. 
If they are continuing to claim I owe them an alleged debt, they are required by law ( and in response to my Affidavit of Truth ) to show proof through validation of debt. 

These are my rights as a federally protected consumer through laws made by Congress and Discover is continuing to violate my consumer rights under Title 15 Chapter 41

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-02-01 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: CA

Complaint narrative:
Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX refuses to stop reporting. They are removed from Experian. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 


XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-02-01 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: OH

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: OH

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP
State: NC

Complaint narrative:
Linebarger Noggin Blair & Sampson , LLP is a debt collector pursuant to title 15 of the United States Code. As a federally protected consumer, I am being harassed for debt which is illegal under the false claims act and 15 USC 1692. The most troubling issue concerning this matter is this fraudulent attempt to collect an alleged debt is for a parking ticket over 7 years ago which also is also defined as a violation. There are numerous violations listed in the attached document including a criminal violation of 18 USC 1341.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: GA

Complaint narrative:
I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to validate both of these debts listed in the letter I have the right to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Long Island XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX XXXX, was denied an extension of credit by Navy Federal. On XX/XX/XXXX, I applied for Navy Federal Go Rewards. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX  XXXX XXXX XXXX Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Navy Federal should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My ex boyfriend stole my debit card and took out {$200.00} that I didnt have.my account only had {$20.00} and he was somehow able to take out {$200.00} I immediately called the bank to file a dispute and filed a police report. They denied my claim when they shouldnt be able to let anyone take out money they dont have in their bank account, I want to close my account with them and get those {$200.00} back. I didnt not authorize my ex to use my card to get money out. I already filed a restraining order against him and I dont have money to pay back the {$200.00} that I didnt take. Please 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 2022-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RENASANT CORPORATION
State: NV

Complaint narrative:
- XX/XX/XXXX : Application was accepted by XXXX XXXX, Mortgage Banker at Renasant XXXX XXXX. Close date was set for XX/XX/XXXX XXXX : Appraisal for the home was ordered. During this process the appraisal company selected by Renasant tried to request more money for an expedited service which was not needed to meet the agreed upon close date of XX/XX/XXXX. When the appraisal came in on XX/XX/XXXX and I was asked to sign a paper requesting an additional {$100.00} for an increase of cost for the appraisal I had already paid for. 
XXXX : Loan submitted to underwriting XXXX : XXXX XXXX, who was responsible for my closing process was asking for documents that I has sent in previously. 
XXXX : I received my pre-closing documents for a close date of XX/XX/XXXX. This would not allow enough time to get the necessary paperwork to the title company to close on time. By sending this package it makes the assumption that Renasant had all the necessary documents needed to close which I provided far in advance but clearly due to negligence was not handled properly. 
XXXX : The intended close date was set for XX/XX/XXXX and on XX/XX/XXXX I received an e-signing confirmation of my appraisal that Renasant had available on XX/XX/XXXX. 
XXXX : I am forced to extend my close date because Renasant was negligent in both managing the process and handling my documents to meet a timeline that agreed to which caused XXXX money to become at risk and the sell of the house to be in jeopardy. 
- XX/XX/XXXX : Because of poor controls in the underwriting review process I was asked to update my insurance coverage to meet Renasant 's requirements. Keep in mind the house was scheduled to close on XX/XX/XXXX and I am just now completing an insurance increase request. 
- XX/XX/XXXX : I am provided my closing details and I am notified by my Title company that under " other costs '' section F, line XXXX that Renasant is charging an unnecessary fee. 
- XX/XX/XXXX : I speak with XXXX XXXX, Vice President. I explained the process and how frustrating it has been working with Renasant and his team due to the lack of communication, the change in staff, and the inability to support timelines that were agreed to. He raised his voice and told me that he was sorry that I was frustrated but that he has been in the business for XXXX and that he was not going to change anything on the documents. This was clear intimidation and as a consumer I felt that given how far along we where in the process I has no other options but to proceed with Renasant even though it has been a terrible experience and I felt they didn't have my interest at heart.

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 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested verification of the debt and have not received a proper response according to 15 USC 1692g

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 2022-02-01 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: GA

Complaint narrative:
I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my 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