vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I had an existing account with XXXX XXXX XXXX - a AutoLoan. back in 2017 I was no longer able to keep up with the payments, and it went into collection - The collector was XXXX XXXX XXXX from Texas. - However I paid that off! And I requested pay per DELETION letter which they sent one to me! I am trying to submit to the bearues all three of em! Experian - XXXX and XXXX! Its coming back as Verified? Im not trying to verify the collection account Im trying to DELETE IT! Since I have Deletion letter from the debt Collector should no longer Exist on my REPORTS! They have failed to properly Investigate my Dispute! And DELETE the existing information!

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 2021-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/1921 I paid my XXXX account in full. To a XXXX balance. I just realized that XXXX has now charged me two {$1.00} interest charges on a XXXX  balance and these charges have now caused me 2 late payments of XXXX so my balance is now XXXX on an account I paid in full. And its reporting late to ky credit I called XXXX told me because my payment didnt post till the XXXX there were interest charges. Offered to waive one but woupd not waive them both and correct my credit. I have closed my account but feel like I should not owe anything

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am being sued by a collections company ( XXXX XXXX XXXX ) for a debt that they purchased, when asked them to validate debt, they sent copies of a statement from original credit card. No actual proof of me owing them the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have asked for proof of debt from all three companies and it has been almost four months and I have not received any response. I have already informed them that they are violating my rights by reporting false accounts. I feel like I am being taken advantage of and I feel like the bureaus have knowing allowed these violations to go unfixed. 

FDCPA section 807 violation misleading information Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00}

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 explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have asked for proof of debt from all three companies and it has been almost four months and I have not received any response. I have already informed them that they are violating my rights by reporting false accounts. I feel like I am being taken advantage of and I feel like the bureaus have knowing allowed these violations to go unfixed. 

FDCPA section 807 violation misleading information Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have asked for proof of debt from all three companies and it has been almost four months and I have not received any response. I have already informed them that they are violating my rights by reporting false accounts. I feel like I am being taken advantage of and I feel like the bureaus have knowing allowed these violations to go unfixed.

FDCPA section 807 violation misleading information Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00}

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 2021-10-01 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: GA

Complaint narrative:
I have asked Transunion how did the verify my dismiss XXXX they said that they verified through a 3rd party!! I called the court they said that they dont release information.

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 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Please remove this account pronto.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This collection was a corporate account and mistakenly reported on my profile. XXXX and XXXX had their record-keeping been accurate, and NO complete payment history was provided. The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
I am trying to pay additional principal payments and they are not Applying them Correctly and they are missing payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Chrysler Capital hit my XXXX  credit report when Idid not apply for credit. They did it on XX/XX/2021 and XX/XX/2021. I wrote them a letter on XX/XX/2021 asking them to send me a letter saying I did not authorize them to check my credit on XX/XX/2021 and for them to send it by XX/XX/2021. They hit it again on XX/XX/2021 again not authorized by me. The person they are checking lives in another state per my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to 15 USC 1681s-2 XXXX XXXX XXXX IS REPORTING INACCURATE INFORMATION TO THE CREDIT REPORTING AGENCIES IN VIOLATION OF MY RIGHTS AS A CONSUMER THE LAW 15 USC 1681 s-2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXX XXXX CONTINUES TO VIOLATE MY CONSUMER RIGHTS BY REPORTING INACCURATE INFORMATION ABOUT ME RUINING MY CONSUMER REPUTATION WHICH CAUSES ME HARM AS A CONSUMER. THEY ARE EVEN REPORTING DIFFERENT AMOUNTS OF ALLEGED DEBT TO DIFFERENT CONSUMER REPORTING AGENCIES. NONE OF THE INFORMATION IS EVEN IN THE SAME HOW CAN THIS BE ACCURATE?

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 2021-10-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
According to 15 USC 1681s-2 XXXX XXXX XXXX IS REPORTING INACCURATE INFORMATION TO THE CREDIT REPORTING AGENCIES IN VIOLATION OF MY RIGHTS AS A CONSUMER THE LAW 15 USC 1681 s-2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXX XXXX CONTINUES TO VIOLATE MY CONSUMER RIGHTS BY REPORTING INACCURATE INFORMATION ABOUT ME RUINING MY CONSUMER REPUTATION WHICH CAUSES ME HARM AS A CONSUMER. THEY ARE EVEN REPORTING DIFFERENT AMOUNTS OF ALLEGED DEBT TO DIFFERENT CONSUMER REPORTING AGENCIES. NONE OF THE INFORMATION IS EVEN IN THE SAME HOW CAN THIS BE ACCURATE?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: GA

Complaint narrative:
I have asked XXXX how did the verify my dismiss Bankruptcy they said that they verified through a 3rd party!! I called the court they said that they dont release information.

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 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Trakk, LLC
State: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with AUTOTRAKK. I have always made my payments on time yet there was a 30-day late and collection state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments, collection, and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
We applied for a conventional 15-year fixed-rate mortgage with PenFed on XX/XX/2021. The initial application and lock process was great, and we waited for underwriting. 

On XX/XX/2021 we were asked if we had an attorney for closing. We did not and advised PenFed as such. Based on prior experiences as well as the loan estimate, we anticipated closing with a notary public for the quoted cost in the loan estimate. On XX/XX/2021 PenFed advised that Connecticut is an " attorney state '' and the services of an attorney would be required. We also learned that there was no estimated cost for this service in our loan estimate. 

We contacted an attorney who quoted a cost for closing services of {$750.00}. PenFed made no attempt to estimate this cost in the loan estimate. This, despite knowing an attorney would be required for our closing. Absent any other explanation, it would appear a mandatory cost of closing was purposefully excluded from the loan estimate to make PenFed appear more competitive. We had chosen to lock and proceed with PenFed based on this loan estimate as it appeared to be the lowest cost when compared with other lenders. 

On XX/XX/2021 we requested a revised loan estimate to include the mandatory cost of an attorney-provided closing, a lender credit from PenFed to cover the cost of attorney services, as well as credit for the {$75.00} in fees PenFed incurred with our current lender by requesting three separate expedited pay off quotes. Our current lender advised that the request for expedited pay off quotes is rare, and despite multiple requests, PenFed has not explained why they needed to do this three separate times. PenFed declined to provide a revised loan estimate, nor did it agree to any lender credits.

We understand that PenFed may be legally obligated to cover the omitted costs under TRID rules. However, rather than pursuing that with a lender whom we had lost trust, and after learning that PenFed were not in fact the lowest cost lender, we decided to pursue a loan with a different lender. 

We are left with {$75.00} in fees which we did not authorize, the soft cost of inquiries to our credit ( PenFed took so long in underwriting that we had to take another credit hit with the new lender ), and weeks of wasted time. 

We had hoped that upon advising PenFed of their error, PenFed would do the correct thing. They did not. Future applicants should be aware that PenFed does not provide a good faith estimate of closing costs, will request multiple expedited pay off requests without explanation and is not interested in hearing about issues.

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 2021-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted Capital One on XX/XX/XXXX and spoke with XXXX XXXX ID # XXXX regarding account # XXXX. The information that was given to me by the agent wasn't being reported accurately by the 3 major credit bureaus. 1. ) The opening date isn't properly being reported correctly. XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX. 2. ) High Balance - XXXX : {$370.00}, XXXX : {$370.00}, XXXX : {$0.00}. 3. ) Last Date of Payment - XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX. 4. ) Missed Payments - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 5. ) Credit Limit - XXXX - {$300.00}, XXXX- {$300.00}, XXXX- {$0.00}. 6. ) Minimum Payment : XXXX - {$35.00}, XXXX- {$35.00}, XXXX- {$35.00}. ) Past Due : XXXX - {$0.00}, XXXX- {$0.00}, XXXX- {$0.00}. 8. ) Date of Last Active is reporting inconsistently. XXXX - XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX 
THE INFORMATION THAT I JUST PROVIDED YOU IS REPORTING INCORRECTLY ON MY CREDIT REPORT. 
XXXX XXXX ID XXXX provided me with information that doesn't compare to what the credit bureaus are reporting. The Opening Date is XX/XX/XXXX, The High Balance is {$370.00}, Date of Last Payment is XX/XX/XXXX, Credit Limit {$300.00}, Minimum Payment is {$25.00}, Past Due {$85.00}. Missed Payments XXXX, XX/XX/XXXX. The Date of Last The Credit Bureaus aren't properly reporting accurately and consistently. 
HOW IS THIS EVEN POSSIBLE. The credit bureaus get the same information from the same creditor, but some how aren't reporting accurately. Something has to be done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
equifax INC is ignoring my letters and verification documents hanging up on me during calls refusing to let me pull my own credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2021 Equifax dropped 3 more points. It should be exactly the same as XXXX at XXXX. XXXX XXXX should not have dropped 2 points. The problem is in your killer algorithmns designed to hurt the consumer by showing high balances with out waiting for the billing cycle to play out. All new balances are always XXXX  out on my accounts. 
He seems like intentional misbehavior here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
My car title was paid off on XX/XX/XXXX. At this same unfortunate time, Gateway One XXXX was sold off to Santander at this time. Since XX/XX/XXXX, I have called over 30 times. Santander did not process, even though I received the payoff letter from XXXX. Because of this, I'm unable to get a customer service person on the phone, as they have haven't put my social security in or given me a customer #, which is needed to speak to someone regarding this. 
I'm also unable to go to " get My Title '' website to obtain, because nothing was put in by Santander. 
This is my last recourse, as I'm needing to sell this car. Thank you for any help.

Company response to consumer: Closed with explanation