vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 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: MN

Complaint narrative:
I submitted to Transunion letters from the Bankruptcy Courts in the District of Minnesota and Western District of Wisconsin showing that they had no bankruptcy records under my name, SSN and DOB. Transunion claims that it verified both records as belonging to me. I then contacted the courts once again to figure out the discrepancy and the clerks from both courts stated that they do not communicate with consumer reporting agencies. I requested Transunion to provide me with contact information of the individual who verified the records especially when I have submitted letters directly from the courts. Transunion has been unable to provide me with the information requested. Transunion continues to violate the FCRA by reporting the bankruptcy records when the court records show that there are such no records

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 2023-05-31 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: KY

Complaint narrative:
XXXX XXXX XXXX, Experian and XXXX are all acting in bad faith by not abiding by federal privacy and consumer protection laws. 

XXXX XXXX XXXX XXXX is fraudulently furnishing the information listed below. There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX XXXX is fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: NJ

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: V and H Portfolio
State: GA

Complaint narrative:
This is not my account. My Identity was stolen if you see my license number is not the same as the license number used to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: SC

Complaint narrative:
I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly.

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 2023-05-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have reached out to CCB/Ulta twice now over the last couple of months and they have just ignored me, even though with my mail app, i know they received the letters. In short, i am/was begging for mercy on ONE late payment, late last year due to an illness, on a card i use regularly. I have been on time ever since and i was before as well, and they ignored me and my family 's hardship without even a response. I thought better of CCB honestly. I know the credit bureaus will work will report WHATEVER CCB tells them to, even XXXX XXXX XXXX helped me out during this dire time with a goodwill correction. That is all i was asking for and they could not even respond. It was for a late payment in XXXX of 2022 and i was asking forgivness for just this ONE month, actually begging for it, and was ignored. They should have to respond and say that they will be generous or they wont be. I will attach my two letters that were not responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have been doing everything in my power to improve my credit rating. It was going well until roughly XX/XX/XXXX. I noticed a XXXX point drop in my credit rating. I tracked it down to the XXXX credit card that I had opened. 
All my credit cards are signed up with automatic payments monthly. XXXX was the same. On XX/XX/XXXX, I spoke to a customer representative who forwarded me to a representative in the credit card division. I was told that when an account is on auto withdrawal, AND the balance goes to {$0.00} XXXX CC system automatically turns off the auto withdrawal. Naturally I was livid because I received NO NOTICE of this event. 
After this automatic shut off I made a purchase and naturally expected the system to do what it had been doing. Again, I received NO NOTICE of the shut off and fully expected the auto payment to work. It did not and payments were late thus the derogatory mark on my credit causing great damage to it. 
I was so livid and XXXX  that I had to get off the phone as the representative did nothing to resolve the issue. A couple of days later I called back to try and get more information. The representative told me that the auto withdrawal was removed by me on the website. That was a complete lie and I told him so. This went from bad to worse. Honestly, I had been working so hard to improve my credit rating that I had to put this issue aside. It was too XXXX It wasnt until a year later that I could address this issue. 
This bad mark on my credit had nothing to do with me. XXXX XXXX is the sole creator ( 100 % ) of this bad mark on my credit.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have a dispute with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX for early termination fees date being XXXXXXXX XXXX I had security deposit insurance through XXXX. XXXX was suggested and promoted to me by XXXX XXXX XXXX  apartments. XXXX XXXX XXXX XXXX reported the account to National Credit Systems , Inc in XXXX XXXX without filing a claim with XXXX. The policy with XXXX was still active. I've tried thru phone calls and certified mail ( XXXX XXXX XXXX  ) to get help with this dispute. XXXX XXXX XXXX has not responded to any of my attempts to resolve this issue. National Credit Systems hasn't helped either. Please any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 
XXXX XXXX XXXXXXXX XX/XX/2021 {$1600.00} XXXX XX/XX/2021 15 USC 1681 Section 602 A- States I have the right to privacy. 

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2023, I disputed incorrect information for serval different items reporting on my credit report. I have yet to received word back from the credit bureaus explaining that they are investigating my dispute. Pursuant to 15 USC 1681i subchapter III they are violating my rights. I have try to resolve the issue multiple times before my first complaint with the CFPB on XX/XX/2023. I'm contacting you again to see can help me resolve this matter. I wish to have these accounts REMOVED from credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2023, I disputed incorrect information for serval different items reporting on my credit report. I have yet to received word back from the credit bureaus explaining that they are investigating my dispute. Pursuant to 15 USC 1681i subchapter III they are violating my rights. I have try to resolve the issue multiple times before my first complaint with the CFPB on XX/XX/2023. I'm contacting you again to see can help me resolve this matter. I wish to have these accounts REMOVED from credit report entirely.

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 2023-05-31 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I checked my credit report to find several debts that I never even heard of. I then Contacted them to verify the alleged debt. I sent a letter stating I checked my credit report and they were on there as a derogatory mark. I wrote them on XX/XX/23 and asked for proof ( Attach ) of how they came to have this alleged debt. I have received nothing and they are still listed on my credit report today. 

In accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party is making the claim. 
THEY MUST PROVIDE XXXX the original purchase agreement that shows their company is the legal owner of this alleged debt XXXX. The original contract WITH MY SIGNATURE from the company XXXX. A DETAILED BREAKDOWN of how they came to the total they have XXXX. I would also like a copy of the LAST BILLING STATEMENT from the original debt to verify the totals. 
Please include all of the Terms and Conditions that are included in this supposed agreement ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: MS

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-05-31 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: NJ

Complaint narrative:
I have consistently made timely payments without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This is not my account. My Identity was stolen if you see my license number is not the same as the license number used to open the account.

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Financing by synchrony allowed a card to be opened in my name. Shockingly the account reflects a payment was made. I request all bills to include what account the payment was made from. The debt was sold to XXXX XXXX. However, they have nothing to do w/the information I am requesting. I am requesting information to show when an application was submitted, bills and or anything relevant to this account. Synchrony is the original debt collector and should be able to fulfill the request. Lastly, I find it less than a coincidence this company also maintains Lowes credit cards. Maybe an investigation should be done on that and/or the Lowes in XXXX XXXX Pa and see if more complaints pinpoint that store/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 2023-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
We had previously had an ACH set up on this account that would always pull a month early. For example, it would pull XX/XX/XXXX for the XX/XX/XXXX payment. However, after updating the extra principal amount for this loan to round up to a flat amount of {$1000.00} the entire ACH and payment process has turned into a disaster. 

I keep having people message me on the portal stating that the ACH will successfully process a month early, yet this never happens. I made a XXXX payment early on XX/XX/24 in the meantime since the portal stated that an ACH would not process until XXXX for my XXXX payment, even though I wanted it to pull on XX/XX/XXXX. However, when I went to check my portal today they had completely reversed my XX/XX/24 payment and it says that my last payment was received on XXXX. I even have a payment confirmation email that I have attached from XX/XX/24 stating that I made a payment to my mortgage, so basically they have straight up lied in their communications to the borrower. I am not sure what is going on with this servicer. All I want is for an ACH to process the first of every month with an additional principal payment of {$42.00} for the payment due on the following month for a flat amount of {$1000.00}. I have communicated this to them via fax and portal messages, yet they still can't do it properly.

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 2023-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
They are not working with me has been 5 months I want to go to next lender need my appraisal I paid for they won't send it was don't two months ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: NC

Complaint narrative:
This is in regards to billing dispute reference number XXXX at Citi. The details captured by Citi regarding the dispute are inaccurate, leading to an incorrect decision. I called on two separate occasions to clarify the events that led to this dispute, and it was still captured by Citi Disputes department incorrectly. I also submitted an executive complaint yesterday regarding this matter. 

The dispute was NOT a duplicate charge as stated by Citi. On XX/XX/XXXX, I received the text message attached and titled " text message XXXX '' asking if I attempted the purchase that I am disputing. I replied " 1 '' to indicate that it was me. Citi declined the transaction and advised me to retry. Not only did I receive this text message, but I also called Citi later on the evening of XX/XX/23 to ensure that repurchasing the tickets was the correct thing to do. I was advised to repurchase the tickets by the agent. So, I did. Several days later, I noticed that the original transaction had actually gone through, even though Citi had advised that it was declined. This is the nature of my dispute. I have been charged for two sets of three concert tickets. I received both sets of three. However, I only intended to purchase one set of three. 

Now, I have explained this scenario to Citi a minimum of 4 different times. I have also tried to call XXXX XXXX as advised by Citi. XXXX XXXX advised that they were going to put in a request to refund the money to be resolved within three business days, and I never received a resolution. When I tried to call them back, I could not get through to an agent, because my concert was not that night. The amount of time and effort I have already spent on trying to make this right is way too much. This is either 1 ) Citi 's fault for telling me that they declined a purchase that was actually approved or 2 XXXX XXXX XXXX 's fault for re-submitting a purchase that was declined by Citi. This charge is NOT my responsibility. 

Given that the concert is Saturday ( in 3 days ), and I am just now learning of this outcome, I have attempted to sell this set of tickets. I listed for higher than my purchase price, and have sold two tickets. However, due to XXXX XXXX fees, I will be receiving less per ticket than I actually paid per ticket. The amount I expect to net on the sale is between {$1000.00} and {$1100.00}, although it still has not hit my bank account yet. I would like for Citi to credit me for the difference due to the gross mishandling of this dispute ( total amount of the dispute is over {$2100.00} ). Then, they can take this matter up further with XXXX XXXX as they desire.

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