vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have reviewed my credit report from the three major bureaus and discovered several errors with the reporting by XXXXXXXX XXXX XXXX XXXXXXXX. 

The XXXXXXXX XXXX XXXX XXXXXXXX tradeline shows several late payments across the three major bureaus. The alleged late payment dates are listed in Exhibit B. These alleged late payments are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as required by the FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX is damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable late payments on my credit report. 

Under the FCRA, a consumer has the right to request certified proof of any information reported to the credit bureau by a data furnisher ( XXXX XXXX XXXX XXXX ). I hereby request that XXXXXXXX XXXX XXXX XXXXXXXX provide me with certified proof to justify your reporting these several alleged late payments. 

I am specifically requesting for certified proof that your company complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

If XXXXXXXX XXXX XXXX XXXXXXXX does not or can not provide this required proof, I demand that the Alleged late payments listed in Exhibit B be DELETED from my credit report immediately. ( Copied from attached affidavit ) ****

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to temporarily unfreeze my frozen credit file at Experian online and on the phone. Their systems do not work. I tried multiple browsers and repeatedly tried their idiotic phone system. You can not get to speak to someone. It took me less than 2 minutes to unfreeze at XXXX  & XXXX  but the Experian systems are intentionally horribly unhelpful and unuseful. It's time this company gets some overdue attention from you. 

A recording saying you can unfreeze it by mail is completely unacceptable. This process is supposed to be user friendly so people can easily and timely manage their credit freeze. Experian is a horrible 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 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I signed an agreement with Comenity XXXX XXXX to pay {$4500.00} over an 18 month period with no interest charged. i understood that it needed to paid on time to not be charged interest. I then set up an online banking monthly payment plan with XXXX XXXX whete check went out 8 days to due date. 

Payments started XX/XX/XXXX with last payment set up for XX/XX/XXXX. I checked all my online payments monthly on my bank website and everything was sent in time and came out of our checking account. Our problem started when we returned home from 3 mos in XXXX  and received a bill at our XXXX  address and it looked there were missing payments. I was never told by the customer service representative that a payment in XXXX was not received. This rep then went on to give us incorrect info. 

I then realized the POffice never sent our Fl Bills, so we called back to find out exactly what was wrong and spoke to 4 different supervisors that told us to send in proof of payments from the bank and they would open a dispute. we did this and sent in checks proving that XXXX sent all payments out on time and they were cashed by comenity health plan. 

We never received the promised call backs and five times the response from their website was always the same open a dispute and send in cancelled checks and the would contact XXXX. 

Now we are receiving phone calls from their collection dept that we owe all the interest. We proved all our payments were made and sent out on time by the bank. It looks to me as if this one payment that they claim was lard in XX/XX/XXXX was sent in the same as all the others 8 days in advance and came out of my checking then. Not sure what happened. but all my payments were submitted by my bank on time. Proof was submitted by us a nx nominee we got back to me. Terrific customer service that gave me incorrect info every time I called. 

I am XXXX years old and have perfect credit and this is making me ill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07 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: NY

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

Equifax 1. The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX  1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I sent a written Dispute to Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX by Certified mail on XX/XX/2021 regarding my Lowes Credit Card. 
I have not received a response after 60 days as agreed in my credit card contract.

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 2021-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021 my PayPal account was permanently limited in which I was then unable to withdraw, send or use my PayPal Cash Balance, which is supposed to be backed by the FDIC, as I was issued a PayPal Cash Debit Mastercard. At the time the limitation was imposed, my balance totaled {$81.00} that came from a combination of 3 transactions in the amounts of {$36.00}, {$39.00} and {$5.00}. The first two transactions were directly from my family and the 3rd transaction came from a XXXX Rewards Manufacturer Rebate. A screenshot of the transactions will be listed to this complaint. After submitting the requested transaction information as well as proof of identification, PayPal began the verification process which I was told would last upwards of 5 business days. At the end of the investigation I was simply told I could no longer do business with PayPal and that was it. There was no specific reason just a computer generated response. Im hoping you can help me regain access to my account, and money, as Ive heard this has been happening much more frequently during the pandemic and PayPal should be held accountable to communicate clearly with their users on the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: OR

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. The account KAY JEWELERS/XXXX  Account Number XXXX Opened XX/XX/2018, is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Fraudulent debt consolidation /debt relief service I was a victim ... notified by department of justice ... Case No. XXXX XXXX XXXX XXXX ... 
Presently unauthorized companies looking into my credit. 
Hard Inquiry : Trans Union said to contact you : I put a Fraud Alert on all Credit Reporting : 1. XXXX XXXX Via XXXX XXXX 2.XXXX XXXX XXXX XXXX keeps going in my report 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION 5XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION 6XXXX XXXX XXXX XXXX XXXX  7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : InquiryType XXXX XX/XX/XXXX, XX/XX/XXXX Individual XX/XX/XXXX Individual Requested On : InquiryType : XX/XX/XXXX Individual 8.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 10.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 12.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/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 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I sent a debt validation request on XX/XX/XXXX requesting : - agreement that grants the authority to collect this alleged debt - agreement that bears signature of the alleged debtor wherein agreed by the creditor - proof of legal right to collect this debt - agreement that bears signature of this alleged debt from the original creditor - date this alleged debt became payable - verification this debt was assigned or sold to collector I initially received a 20 % offer from Halsted financial services to settle a debt. A few weeks later I received a letter from another company stating XXXX is no longer. There is XXXX, LVNV Funding, Resurgent Services. I do not know neither of these companies. From my request above, I have received about 10 pages of document with an IP address and my name typed out as a signature. I have not received the original document that I allegedly signed to confirm all above. Anyone can type a full name. 

They requested an identify theft affidavit to be notarized, which have been submitted on XX/XX/XXXX. I did not get an update from them. on XX/XX/XXXX, I emailed requesting another updated and was told this was forwarded to the appropriate department. 

I called and asked to be transferred to said department in charge but was told that they did not have a phone line. I asked for the name and finally was given the name of the department : dispute team. I asked for their contact information and was told they did not have one.

I am unsure how the dispute team is non existent. I was told I will receive a letter one day stating the outcome of this. This company is not real, they refuse to answer my questions, provide proper documentation although I have submitted the requested documents. They only have 1 department and are committing fraud by refusing to abide by the rules and submit proof of this legal debt. This collection is preventing me from getting a mortgage as it is showing up as a collection on my account. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have previously disputed this item with you. Bankruptcy chapter XXXX, reference # XXXX. And in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter. Therefore your original response verifying the item with the court was either a error or a lie. Either way, the reporting requirements do not comply with FCRA section 611 ( 15 U.S.C section 16811 ) and the information must be deleted immediately.

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 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Hello I have ENHANCED RECOVERY COMPANY which is under XXXX, I have returned the equipment they have asked me for and they only took off XXXX when it was suppose to be XXXX. I asked XXXX multiple times to send me exactly the bill so I can see why I owe as much when they disconnected my phone so I shouldn't be charged for those month I didn't have service I wasn't on a contract or anything so I am so confused on why my bill is so high. I spoke to a lot of people to see and no-one is able to send me bills proving i owe this money. I have interaction code XXXX, INTERACTION XXXX, Interaction XXXX Every time I call there is a different story first it took them a year to send me a return package they told me that I was able to drop my phone off at XXXX  but every XXXX  store I went to they said they were allowed to take my phone, Its just so much run around and false communication on there part. They try to charge me for a XXXX  that I didn't even have with them it was a unlock phone. This is the second time I've had problems with XXXX my last account I had with a spouse I paid my balance so we can take each other off which was XXXX $ I don't think its fair I have to do this again because I didn't care what i spent i just needed a phone that's why this time I will not just let it slide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation
State: MD

Complaint narrative:
This company is harassing me about a debt that is not mine. It has been over 30 days since I've told them I would like to dispute this debt. It has been over 30 days since I've initially told them to stop contacting me. The contact me while I am at work and after XXXX. They have yet to respond to my investigation request. They have yet to validate this debt but continue to pursue payment. They have put my job at jeopardy and have caused me a lot of stress. I don't know what to do. They have stolen my identity and personal information and continue to share it with parties unknown to me. They have defamed character and invaded my privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is unable to verify bankruptcy by providing who at the court verified the information. Name of the person and date and time it was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN FINANCING CORPORATION
State: CO

Complaint narrative:
American Financing NMLS # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX XXXX XXXX Loan Officer I started out with a credit score of XXXX when I was preapproved by American Finance. XXXX my loan officer told me to take out a new line of credit in order to help me to get a VA Loan. She told me that the VA does not accept loans that the credit is too low. Which I later found out if not true. The VA Loan has no low end limit. It is set by the lender. I am a first time buyer so I thought the lender was giving me good advice. Turns out when I took out the new credit line it tanked my credit. I went from XXXX to XXXX over night. Then XXXX told me that she could not finance my loan because my credit score was too low. SHE was the one who TOLD me to take out the new line of credit. She told me that she had been a loan officer for over 20 years. It appears that I have fallen victim to Predatory Lending. I am a XXXX XXXX and a Veteran I should be treated better than that. Now I can't use my VA Loan to get a home. American Finance acted as a Predatory Lender when XXXX knowingly told me to take out a new line of credit knowing full well I am a first time buyer and that the new line of credit would tank my credit score and then she turned around and denied my a loan that she had already processed for me. I was in escrow then she did all of this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: TN

Complaint narrative:
I sent LTD FINANCIAL SERVICES a letter of proof of validation on XX/XX/2021. LTD responded with a letter that didnt provide/show proof of validation.LTD FINANCIAL sent me a old bill which is not a proof of validation per law. I sent a letter demanding removal due to LTD not complying with the law which states they most provide proof of validation and investigation within 30 days of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I was offered a loan modification after I came out of Covid-19 forbearance. The modification trial payments were to begin XX/XX/2021 in the amount of {$380.00} a month. I later received a letter from my mortgage company saying there was an Issue with my title and I needed to submit information to them via email by XX/XX/2021. The letter also stated until the title Issue is resolved I should continue to make my trial payments on the due date. I was able to track down the lien on my home and paid the XXXX XXXX XXXX  XXXX to satisfy the lien. I sent documentation XX/XX/2021 from the XXXX XXXX to my mortgage company with the satisfaction of lien that was being sent to the county to be recorded. The document contained all relevant information however it was not the official recorded copy. I then proceeded to make my first modification payment as instructed on XX/XX/2021 via XXXX XXXX. On XX/XX/2021 the lender rejected my modification payment citing there was no recorded copy of the lien release to which I informed them I sent the letter directly from the XXXX XXXX, however I am waiting on the official recorded copy from the county. Since the payment was rejected I am now out of the service fee provided to XXXX XXXX  in addition to needing to wait up to 10 days for the payment to be returned to my account. I feel I am not being treated fairly as I followed directions given to me and was told to continue to make my trial payments until the title Issue is resolved which the lender knew is in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: MI

Complaint narrative:
I have my car through XXXX XXXX. This was supposed to be set up on an auto withdraw. I have had several conversations with them about setting this up. I just got this vehicle in XX/XX/2020, and every month I have tried to get this together with them and it constantly fails. In XXXX and XXXX, I received lates on my credit report for this vehicle when it was promised to me that this was set up properly. A few days after it was late, both months, they contacted me asking for a payment. Through my confusion, I just paid it because they stated a payment hadn't been made. 
Now my credit score is suffering because this wasn't completed and I now have 2, 30 day lates on my credit. I have several accounts with XXXX XXXX  and I have used them for a long time. This is unacceptable and needs to be reversed. I have always paid them and paid on time.

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