vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 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: OH

Complaint narrative:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE. 

Account Name : XXXX XXXX XXXX, Account Number : XXXX Past Due Balance : {$630.00} Account Name : XXXX  Account Number : XXXX Past Due Balance : {$430.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$99.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$840.00} Account Name : XXXX XXXXr Account Number : XXXX Past Due Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Past Due Balance : {$450.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLINANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my 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 2022-07-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated of XXXX  - Account # XXXX But how is this possible if the following information has come back inaccurate : Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. 

This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide

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 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: GA

Complaint narrative:
I closed my account with XXXX and was told I owed them {$100.00} and advised them to send me documentation in the mail and I will pay them. XX/XX/2022 I received a letter from XXXX to call them to discussed the payment ( XXXX and XXXX ) both number was disconnected. I wrote them a reply letter to there address - XXXX XXXX XXXX XXXX XXXX PA. They sent me a letter requesting {$290.00} and THREATEN me that they will forward to COLLECTIONS if I don't pay or reply back with them. On XX/XX/XXXX I did reply back with them. On XX/XX/2022 they sent me another XXXX letter requesting {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
some one used my identity to rent an apartment in 2018 while i was living in another city state when i say this matter as a collections account i reached out to the creditor and they told me that this had been resolved and reassured me that the items would be removed from credit bureaus. Shortly afterwards I was in contact with a collections agency whom asked me to supply several pieces of information so I did and then they said that they had ( docusigned document ( really ) and that this matter needed a FTC report ( I provided that ) now just resent they said the original dispute was missing a poilce report so i reached out to the police depart to get that information and his still has been removed from my bureaus. have made several attempts to have this matter removed and each time the company doesn't remove. The item was original placed on all three bureaus and removed from only one ( XXXX ) but this information has been left on the back end reporting for a company called ( XXXX XXXX XXXX ) it's still showing up on a back end report that should have been removed many years ago. Once I contacted the collection company again for them to remove /delete all they did was inform that they would send out another form for me to complete because the account information was incomplete. ( this is ridiculous ) I advised that I have done this before with notarized documents and such then they ask for something else a FTC report ( I did that ) then they ask for a police report ( I did that ) and this matter is still showing on my credit buraus. Please assist in correcting this is so exhausting to say the least Thank you for all you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has received years of payments and has not reported them. When I called they said they had no history of an account for me. However they continue to report derogatory information on my report. I am not sure where the money went so I stopped paying it but at this point I will like it to reflect my payment and remove the negative information. I have proof of payments also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Inaccurate Name : XXXX XXXX XXXX A XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXXXXXX XXXX Date Updated XXXX XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX & XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA 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 non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Original creditor : XXXX XXXX XXXX XXXX. 
Placed in collections by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Account number : XXXX Date : XX/XX/2020 Showing as an open account in violation of fair credit reporting act

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 2022-07-25 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: GA

Complaint narrative:
I am XXXX XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: GA

Complaint narrative:
I am XXXX XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts 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 non-monetary relief
Consumer complaint received 2022-07-25 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: U.S. BANCORP
State: OK

Complaint narrative:
I received a notification through XXXX XXXX that a hard inquiry was done using my social security with US Bank. I do not have a US Bank account. I called them and they confirmed that a credit card application was submitted with my social security, and that it was done using an address that is not mine. On that call, they closed that 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 2022-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX  : Truist Bank delaying release of escrow funds as well as overpayment of final mortgage payment. Truist Bank customer service & Loan Processing full of promises, excuses, and non-responses. Almost two ( 2 ) months and refund check not received. Original refund check ( if mailed ) still not received after six+ weeks. See attachments.

Escrow refund check mailed to the address of the house which we sold which is obviously wrong. I verbally tried to change the address to where we live now because once a Truist loan is paid-off I could not change the address electronically. I talked to customer service XX/XX/XXXX following Truist 's webpage direction, but now am being told Truist did not update to the correct date until XX/XX/XXXX. Truist employees are not following up as promised when they said they would help me resolve this. I offered reasonable options before I filed this complaint. 
I made an overpayment to protect my credit report of one mortgage payment. That was included in my " escrow refund check ''. I don't believe a mortgage overpayment is not normally part of escrow.

I understand the time allowed for a bank to process an escrow refund check is 20 days- is putting the 'wrong address ' and means to slow the process down? From direct experience, banks earn interest on 'overnight funds'/loans to other banks.

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 2022-07-25 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: AZ

Complaint narrative:
My report 's list of inquiry and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
Inaccurate Name : XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX EMPLOYER : XXXXXXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
This is my second complaint that I have placed on my mortgage company New American Funding regarding my mortgage. I recently came out of a forbearance and was able to agree to a loan modification. I have been complying with making my payments on time since the loan modification has been in place. My loan payment did increase due to the county taxes on my escro analysis ran earlier this year. However, I have still ensure to login and pay what is due every month. On XX/XX/22, I made my payment like usual, however, a manual analysis was ran manually at the end of XXXX and my payment made XX/XX/22 was not processed correctly by New American Funding. For some reason it shows that I am now behind on XXXX and XXXX 's payment. Every representative I've spoken to has no idea what exactly happened to my money that I paid on XX/XX/22 {$1300.00}, it was taken out of my bank account, but not applied to my mortgage. They said it could've gone to escrow, but how if I did not authorize that to happen? They have told me they would call me back when it is resolved, but as always no one calls me back. I can not make my payment for XXXX online because of this error that New American Funding has created and no one can trace my money and now it shows I am behind on XXXX payment when I have been complying on making my payments on time, but why is it that noone can resolve my issue and NOONE calls me back. Now I'm receiving all kinds of notices in the mail of a hardship, collection notices, behind on my mortgage notices and numerous collection agency phone calls all because of this error and NOONE can help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
More information on complaint XXXX THIS IS NOT A DUPLICATE Complaint You clearly stated nothing is owed to You... so why are reporting negative information to my consumer an coming after me for alleged debts not owed to you lawfully You have also my rights to refuse this alleged debt.. once again i refuse this alleged debt I demand you cease contact through all Mediums including my consumer report an any no affiliated 3rd parties you may only contact me to inform the debt has been XXXX through the CFPB XXXX. Again you gave non verified or validated this account. You have clearly told me exactly what I have been saying I owe you nothing I have not done any business with this company I have a right to refuse debts pursuant to 15usc1692c.. FOR THE RECORD ONCE AGAIN I REFUSE THIS ALLEGED DEBT I DEMAND YOU CEASE CONTACT THROUGH ALL MEDIUMS INCLUDING MY CONSUMER REPORT. Only contact via cfpb portal or via email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: NJ

Complaint narrative:
To Whom It May Concern, There are 2 addresses that are currently listed as mine on the 3-bureaus reports. They are : XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX 
XXXX, SC XXXX These addresses are NOT MINE, nor have they ever been. As a result, credit cards have been opened and those accounts have reported. Also, several inquiries have also been made and are listed as hard inquiries on my XXXX report. They are : XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX  XX/XX/22 Because of this error I have had to put a freeze on my credit, which impacts my ability to secure new funding. I have contacted the bureaus and the erroneous accounts have been removed, but the addresses that appear to have caused the error in the first are still reporting, as are the hard inquiries.

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 2022-07-25 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: NJ

Complaint narrative:
To Whom It May Concern, There are 2 addresses that are currently listed as mine on the 3-bureaus reports. They are : XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX 
XXXX, SC XXXX These addresses are NOT MINE, nor have they ever been. As a result, credit cards have been opened and those accounts have reported. Also, several inquiries have also been made and are listed as hard inquiries on my XXXX report. They are XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 Because of this error I have had to put a freeze on my credit, which impacts my ability to secure new funding. I have contacted the bureaus and the erroneous accounts have been removed, but the addresses that appear to have caused the error in the first are still reporting, as are the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

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 2022-07-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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 — Card was charged for something you did not purchase with the card
Company: Synovus Bank
State: LA

Complaint narrative:
I noticed a purchase on my transactions that I did not make. I am in Louisiana and it says Arizona. I have tried to report this to the credit card company. I called the number on the back of the card ( the number can not be found online ) and it is and endless loop of a recorded message, a brief hold, and the phone ringing. I went online to get help. I clicked the link to consumer center and it logs me out. I have also tried to pay my bill online and it takes me to a screen that says I must use my banks bill pay feature.

Company response to consumer: Closed with explanation