vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Hello, RE : XXXX XXXX Alleged Date Opened : XX/XX/2013 Balance : XXXX Actions : Contacted Comenity Bank ( Issuers of card ), they have no record of this account. Filed a dispute with XXXX it was denied because I filed an earlier dispute with XXXX XXXX XXXX apparently did not resolve the issue. XXXX denied me filing another dispute for this erroneous account. 
Issue : Needs to be removed from my credit report. No record of this account. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ACCOUNT : XXXX XXXX XXXX {$1000.00}

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 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have Escrow ( impound ) account with this Lender to pay Property Tax and Insurance. But, I have paid the property tax directly to the county and requested Escrow Service not to send the Property Tax payment to County and rather issue a refund to me from the Escrow Account. They have received my email and acknowledged stating, they will refund this amount on XX/XX/2022. They have not issued a payment till date ( XX/XX/2022 ) and now they are saying they received Refund from County, but they need to do escrow analysis before issuing a refund. This is not acceptable. 

Document attached : Initial email communication regarding Escrow, Final letter from lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: PA

Complaint narrative:
I contacted XXXX XXXX and they informed me they received my payment on XX/XX/XXXX and they will contact the bureau department it was posted on my account and they also said they contacted EXPERIAN AS WELL my credit report still says XX/XX/2022 2022

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 2022-07-15 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: AZ

Complaint narrative:
CREDIT REPORTING AGENCY DISPUTE - I've disputed an account on my credit report for proof of ownership with the XXXX and Equifax and every time they come back VERIFIED! with no explanation of WHO they spoke to, and WHAT method they took to obtain verification ( Method of Verification ). They've ever only updated the balance on the account every single dispute i send out. 

DEBT COLLECTOR ( XXXX  XXXX ) - I've sent out a debt validation letter to XXXX  XXXX for proof of ownership on the debt of a credit card that XXXX XXXX claims is mine but their response to my debt validation letter was that they don't have a paper copy to send me of verifiable proof of an original consumer contract with my signature on it. After disputing the debt with the credit reporting agencies and the creditor ( XXXX  XXXX ) in cause of desperate measures to get this erroneous item off my credit report i decided to make arrangements to settle the debt with XXXX  XXXX. However when i attempted to make arrangements to make payment in immediate exchange for the " Original instrument of indebtedness in its original form. '' via certified mail to XXXX XXXX they didn't respond in a timely manner to settle this matter. I sent out a non response letter and they didn't respond to that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: AZ

Complaint narrative:
CREDIT REPORTING AGENCY DISPUTE - I've disputed an account on my credit report for proof of ownership with the Experian and XXXX and every time they come back VERIFIED! with no explanation of WHO they spoke to, and WHAT method they took to obtain verification ( Method of Verification ). They've ever only updated the balance on the account every single dispute i send out. 

DEBT COLLECTOR ( XXXX  XXXX ) - I've sent out a debt validation letter to XXXX  XXXX for proof of ownership on the debt of a credit card that XXXX XXXX claims is mine but their response to my debt validation letter was that they don't have a paper copy to send me of verifiable proof of an original consumer contract with my signature on it. After disputing the debt with the credit reporting agencies and the creditor ( XXXX  XXXX ) in cause of desperate measures to get this erroneous item off my credit report i decided to make arrangements to settle the debt with XXXX  XXXX. However when i attempted to make arrangements to make payment in immediate exchange for the " Original instrument of indebtedness in its original form. '' via certified mail to XXXX XXXX they didn't respond in a timely manner to settle this matter. I sent out a non response letter and they didn't respond to that either.

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 2022-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX/ {$320.00} / XX/XX/2022 ILLINOIS XXXX XXXX XXXX/ {$1500.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted 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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX/ {$320.00} / XX/XX/2022 ( Original Creditor : ) {$610.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2022 I tried to see my credit report on XXXX and Equifax wouldn't let me see my free report. And also, on my XXXX app my credit score or credit report hasn't been updated since XX/XX/2022 for neither XXXX nor Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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:
I disputed the below information with Equifax in XX/XX/XXXX about this XXXX XXXX account being in error and they failed to investigate fully and remove from my credit report I took out a loan in XXXX with XXXX XXXX. It had four payments due, which I made all of the payments. They claim I still owe {$130.00} and have been reporting this is past due and charged off on my credit report cents. I have contacted all three credit bureaus, Equifax XXXX and XXXX XXXX to dispute this. When they investigated it XXXX XXXX continued to verify that I was past due and did not make the last payment. I have disputed this directly with XXXX XXXXXXXX as well and provided proof through my bank statements that for payments in the amounts due were paid. They continue to try collection efforts on me, and tell me that their verification shows that one check was not cleared and bounced. Obviously through my bank statements it shows for withdraws from my checking account over four months, and this proves that I do not owe them any money. They are continuing to violate my rights under the fair credit reporting act and the fair credit debt collection practices acts. I want this I want this account removed from my credit reports with all three bureaus immediately. No late payments were made and no money is owed to this company. They have also violated the law and I am due compensation Of {$1000.00} per incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
hello., I have submitted the formal complaint about your company as it follows below. 


in XXXX XXXX 2022 I placed a call to the company in regards to my special 1 year free interest rate offer soon to be expiring. I wanted to pay my balance off of my credit card and close the credit card. I was told by the customer service rep that they would not charge me interest rate as long as I planned on closing the credit card. My Ex girlfriend ( XXXX XXXX BOTH have a credit card with the company and we both were told that they would NOT charge the accounts. In XXXX or XX/XX/2022 I placed a phone call to the credit card company in regards to why the interest was charged to our accounts despite being told that they would NOT charge us. They charged us $ XXXX {$1300.00} i can not see the total amount as the website is down. I have called the company several times, made a few large payments, i want a call back from the manager ASAP. 







XXXX I placed 5 phone calls to commenity bank trying to resolve this matter and now it says my account is closed, I DID NOT CLOSE my account, I sat on hold now for well over a hour for someone to answer my phone, I did place a message through the portal on their consumer website. Now that I am trying to log onto the website to contact them and see where they are with helping me it would not let me log in and is telling me that I am now in a closed account which will not let me see what is the status of everything. this is now my 5th claim on CFPB against the company with NO LUCK. I am out of the country and this is ridiculous. I been trying to resolve this matter since XXXX or XXXX of 2022. I need a email update @ XXXX where they are with the investigation as I am out of the country and do NOT have any means of communication to them in the XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: Grant & Weber
State: IN

Complaint narrative:
XX/XX/2022 {$1600.00} Grant and Weber I found this in my credit report. 
I have never heard of them or the original debtor. 
I have never received any phone calls, emails, or mail from either company. 
When I called they asked for a account number. I told them that I do not have one. 
They asked for social security number. 
When I provided my number they gave me someone elses name. 
When I asked for proof of who they or the other company is. Or something showing my name matching my social. A signature, a agreement with me, or my photo id tied to these accounts. They told me that doesnt matter. 
When I told them I feel like this is fake or fraudulent because they provided someone elses name with my social. 
I was told too bad. Sue that person.

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 2022-07-15 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX XXXX Inquired XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired 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 an account without my written instructions not to mention the fact none of these were from me they were false or fraudulent attempts

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 2022-07-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Specialized Loan Servicing sent a letter XX/XX/XXXX stating I owed a debt by XX/XX/XXXX or commencement of foreclosure on my home. On XX/XX/XXXX I sent a validation of debt certified mail to Specialized Loan Servicing and it was received XX/XX/XXXX. As of XX/XX/XXXX I havent received a response from Specialized Loan Servicing pertaining to the debt in dispute. It has now been 59 days since receipt of my demands. According to the FDCPA the debt collector must provide verification of the debt. I have never received a statement from this company and never done business with this company.

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 2022-07-15 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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ACCOUNT : XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: OH

Complaint narrative:
Trans union did not investigate or fix errors. Attached proof not owe any money to XXXX XXXX I took out a loan in 2019 with XXXX XXXX. It had four payments due, which I made all of the payments. They claim I still owe {$130.00} and have been reporting this is past due and charged off on my credit report cents. I have contacted all three credit bureaus, XXXX XXXX and Trans Union to dispute this. When they investigated it XXXX XXXX continued to verify that I was past due and did not make the last payment. I have disputed this directly with XXXX XXXX as well and provided proof through my bank statements that for payments in the amounts due were paid. They continue to try collection efforts on me, and tell me that their verification shows that one check was not cleared and bounced. Obviously through my bank statements it shows for withdraws from my checking account over four months, and this proves that I do not owe them any money. They are continuing to violate my rights under the fair credit reporting act and the fair credit debt collection practices acts. I want this I want this account removed from my credit reports with all three bureaus immediately. No late payments were made and no money is owed to this company. They have also violated the law and I am due compensation Of {$1000.00} per incident.

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 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: OH

Complaint narrative:
I refinanced with lower.com about two years ago. At that time, lower.com transferred my mortgage to Homeside ( a subsidiary ) to be managed. I have had zero issues with Homeside other than spotty customer service.

Then the nonsense started.

1. I received a letter in XXXX of XXXX  saying that my mortgage was going to be transferred to lower.com in XXXX. 
2. I received a letter in late XXXX saying that my mortgage was going to stay with Homeside.

3. I received a letter the third week of XXXX saying that my mortgage was being transferred to Lower.com 5 days before my mortgage was due, with no information about how to pay my bill. By pure luck, I had attempted to make a principal payment a couple of weeks prior and the Homeside website would not let me. The rep at Homeside informed me of the upcoming transfer, so I made an early payment for XXXX to avoid complications. 
4. Two weeks after my mortgage was due ( I paid it in advance, expecting it to get screwed up again because the communication was so incredibly horrid the first time two times ) I received a letter saying that my mortgage was staying with Homeside. 
5. In XXXX I get a letter saying my Mortgage is transferring to Lower.com on XX/XX/XXXX of this year. It is XX/XX/XXXX and I have no payment coupons, no payment portal, and no information whatsoever. I call and sit on hold for a half hour or more and nobody answers. 

This problem happened in XXXX when I was trying to pay my XXXX mortgage payment and they told me I am not capable of paying my bill because they haven't issued me an account number so they couldn't help with anything. I ended up calling Homeside and they took my payment and said they would try to forward it, and if not they would return it.

It has been over 2 weeks since Lower.com has supposedly taken over my mortgage and 2 weeks after my mortgage was due ( I prepaid, again expecting them to XXXX it up ) and they have sent and done nothing regarding making it possible for me to pay my mortgage. I went back to Homeside and they say they can no longer assist with this mortgage as it has successfully transferred to Lower.com. This is an infuriating level of incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2022 I tried to see my credit report on XXXX and XXXX wouldn't let me see my free report. And also, on my XXXX  app my credit score or credit report hasn't been updated since XX/XX/2022 for neither Transunion nor 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