vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 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:
XXXX XXXX sued me and found out I have no taxable income. They voluntarily withdrew. Since they have done several different credit reporting tactics to ruin my credit and impact my ability to an accurate credit report. Short of obtaining my own legal representation I don't know what they are doing is above board. They are reporting a charge off as an open account on the only credit reporting agency that most lenders use ( see attached ) FICO. They are reporting the charge off as new every month so it unfairly impacts my score. This account charged off in XXXX but as of XX/XX/XXXX the charge off is posting as new and open ( see attached ) yet reporting closed in the description of the account. I had only one other account, XXXX, and they posted the one charge off in XXXX and haven't posted it since, which is the way it's suppose to be reported. You can only charge an account off once yet XXXX XXXX has reported a new and open charge off every month since the original charge off in XXXX on my FICO account. This is unfair and damaging to my ability to recover from a financial hardship and a low point in my life. When I became XXXX and could no longer work.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I called an XXXX number which represented itself as XXXX XXXX gold members number. I book a ticket from XXXX to XXXX XXXX using XXXX XXXX. The agent, XXXX, said the taxes were split into XXXX amounts, due to being XXXX different airlines involved. Later he said that the {$740.00} charge was so ticket could be changed. Mileage award tickets can always be changed without a fee, only tax differences. When I called XXXX a few days later to change my flight, they had no knowledge of the {$740.00} fee. I called the fraudulent agency, XXXX, and on XXXX XXXX told me a credit would be issued. On XX/XX/XXXX he said he would provide a transaction ID for the credit the next day and it would take XXXX credit cycles to post. This never happened. When I called again he wanted me to cancel the dispute with Citicard, which I did not. I went through the dispute process with Citicard, and received notice XX/XX/XXXX that they were denying my dispute. I talked to a supervisor at XXXX on XX/XX/XXXX, explained the problem, she was rude and hung up on me. There are numerous consumer complaints against XXXX, and I think Citibank should have decided that the charge was fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against National Credit Syst, located at XXXX XXXX XXXX XXXX XXXX, GA XXXX. This company has engaged in practices that are in direct violation of federal laws, specifically those related to abusive debt collection behavior, inaccurate reporting to credit reporting agencies ( CRAs ), and failure to send required notifications via mail. 

National Credit Syst has engaged in conduct that clearly violates the Fair Debt Collection Practices Act ( FDCPA ), as codified in Title 15 of the United States Code, Section 1692d. This law explicitly prohibits any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. The company 's abusive behavior is a clear infringement of this law. 

Furthermore, the company has violated the Fair Credit Reporting Act ( FCRA ), as codified in Title 15 of the United States Code, Section 1681i. This law mandates that if a consumer disputes the completeness or accuracy of any item of information contained in their file at a consumer reporting agency, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. National Credit Syst has reported inaccurate information to CRAs and has failed to correct it upon dispute, which is a direct violation of the FCRA.

In addition, National Credit Syst has failed to comply with Section 1692g of the FDCPA, which requires a debt collector to send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, and a statement that unless the consumer disputes the validity of the debt within thirty days after receipt of the notice, the debt will be assumed to be valid by the debt collector. The company 's failure to send such a notice is a clear violation of the FDCPA. 

I am demanding that the CFPB investigate these violations and take the necessary action to ensure that National Credit Syst complies with federal laws pertaining to debt collection and credit reporting. As a consumer, I have the right to be treated fairly and in accordance with the law. It is crucial that these violations are addressed to protect my rights and the rights of other consumers who may be affected by these unlawful practices.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Company states that I failed to verify my identity and it is false they asked me to mail them a letter with my id and a bill and it was mailed in XXXX and again XX/XX/XXXX. Attached is a copy of the letter and my identity so that they can solve this matter now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Rent Recovery Solutions since XX/XX/XXXX has been attempting to collect a debt owed by me for a leasing contract. They have the debt listed in my name and my XXXX  daughters name. I informed the first two reps over the phone and the second rep advised me to send in documents. The collection letter also stated I owed {$1000.00} with no interest or payments being applied. I sent them a for a dispute letter via certified mail in late XXXX beginning of XX/XX/XXXX to remove my daughters name from collection item as she was not a lease holder along with copy of lease showing she is an occupant as well as a copy of the statement from the apartment leasing company of the balance owed being {$960.00} and to provide new letters with the minors name removed as well as the correct balance or why they are saying I owe additional {$87.00}. To date I have received nothing but on XX/XX/XXXX I received a call from XXXX XXXX leaving a voicemail on my phone yet again asking for my XXXX  daughter. I called him back to explain for the now 3rd time what had occurred and that I sent a dispute and he proceeded to hang the phone up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Company states that I failed to verify my identity and it is false they asked me to mail them a letter with my id and a bill and it was mailed in XXXX and again XX/XX/XXXX. Attached is a copy of the letter and my identity so that they can solve this matter now!

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong 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 non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Victoria Secret ( Comenity bank ) I have requested information from the creditor due to a Victoria Secret credit card ( Comenity bank ) opened in XXXX and closed in XXXX. I have not used this credit card since than. They are saying I owe {$700.00} when I only had a credit limit of {$250.00}. They have also said that I made a payment in XX/XX/XXXX when in fact I did not, because of this, this is re- aging on my credit, continues to be sold to different creditors. The negative re-aging debt on my credit report is changing the delinquency status of all my credit reports, I have filed dispute after dispute and nothing has been resolved. I request that the harassments of text messages and phone calls stop, and this debt fall off my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I was frauded out of {$24000.00} from my saving account via a wire fraud scam. The person doing this moved money around to various account we have and also transferred {$13000.00} from my daughter saving account To our account to wire transfer.

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 2023-06-28 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: FL

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

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX  XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( 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 report by more than seven years. 

15 U.S.C. 1681s-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 2023-06-28 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: FL

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX  XXXX XXXX  XXXX Account XXXX XXXX AND XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( 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 report by more than seven years.

15 U.S.C. 1681s-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 2023-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Date XX/XX/2023 Amount {$710.00} Collection Agency ( XXXX  ) for ( XXXX  XXXX ) I paid this debt in full. I never got a reciept from the company, stating I paid in full, I had to call and ask for paid in full document. I consistenly asked XXXX  XXXX and XXXX to remove it off my credit report and its a cat and mouse were collection agency is saying XXXX XXXX has to do it and visversa. I'm getting nowhere 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 non-monetary relief
Consumer complaint received 2023-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Date XX/XX/2023 Amount {$710.00} Collection Agency ( XXXX  ) for ( XXXX  XXXX ) I paid this debt in full. I never got a reciept from the company, stating I paid in full, I had to call and ask for paid in full document. I consistenly asked XXXX  XXXX and XXXX to remove it off my credit report and its a cat and mouse were collection agency is saying XXXX XXXX has to do it and visversa. I'm getting nowhere please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: CA

Complaint narrative:
I have 4 fraudulent inquiries on my credit report, which I reported it to XXXX XXXX and XXXX, yet they are not removing these fraudulent inquiries. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. The followings are the fraudulent inquiries : XXXX XXXX / XX/XX/XXXX, XXXX XXXX / XX/XX/XXXX, XXXX XXXXXXXX / XX/XX/XXXX and XXXX / XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: FL

Complaint narrative:
I am writing to dispute the presence of inaccurate accounts on my credit report, as well as inconsistencies in the reporting of collections and closed accounts across the three credit reporting agencies. These discrepancies violate consumer protection laws, as consumer law mandates that all information reported across credit bureaus must be accurate and consistent. I have thoroughly reviewed my credit report from [ XXXX ], [ EQUIFAX ], and [ XXXX ]. I have marked up the report, highlighting the following issues : 1. Collections : The collections accounts listed on my credit report differ significantly across the three credit reporting agencies. For instance XXXX is Reporting XXXX XXXX  as Collection Status CLOSED, Date Open XX/XX/2023, Last Activity XX/XX/2023 and most recent adverse rating as Collection/Charge-Off. Then If you look Directly at EQUIFAX Credit Agency it Reports XXXX XXXX XXXX as Collection Status OPEN, Date Open XX/XX/2023, Last Activity XX/XX/2023 and most recent adverse rating as NO DATA AVAILABLE. But Paid Charge/off Which I HIGHLIGHTED. Mean While XXXX XXXX XXXX is Not Reporting XXXX XXXX  its actually NOT FOUND!!! that account doesnt even exist on my credit profile with XXXX nor does it shows up, just as stated I have no claim to this alleged Collection and should be reported as Status CLOSED across all 3 Credit Agencies leaving XXXX & EQUIFAX being the only two Credit Agencies left to Update to the correct status & removal of the alleged Negative Collection account from my consumer report immediately. I have attached a copy of my credit report with clear annotations and markups, illustrating the highlighted discrepancies. These discrepancies not only undermine the accuracy of my credit report but also create confusion and potential harm to my creditworthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have requested the Select Portfolio Servicing to review the issues and errors handling my mortgage account ( please ref. XXXX ). 
I have finally received the reply on my request on XX/XX/XXXX! It took a lot more than 60 day admission. I am replying to the company with repeated request to refund my prepayment penalty as I was forced to pay out my mortgage asap because of all the financial distrust they have created by XXXX ) not beeing able to identify the charges on my account and itemize the charges on the statements ( pls ref to the document copies attached ) XXXX ) adding my hazard insurance payments to my escrow with unexplainable up charges without a valid reason and without my consent. 
XXXX ) unacceptable customer service- countless dropped calls, not returned calls, customer service representative luck of competence and inability to address any questions regarding the additional charges, XXXX ) the representative variable explanations on my account charges, XXXX ) errors and discrepancies on my account ( e.g. my name misspelled, etc. )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2023-06-28 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: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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