vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 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: CORELOGIC INC
State: NY

Complaint narrative:
I Noticed Unauthorized Inquiries On My Credit Report. 

CREDCO XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2022-03-11 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-11 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-11 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: DC

Complaint narrative:
I have made this complaint numerous times with no results. I have provided the necessary documents to have these accounts removed and yet they still persist. Please review all attached information and act accordingly as required by law. These accounts are hindering my ability to obtain new employment and a place to live.

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 2022-03-11 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: DC

Complaint narrative:
I have made this complaint numerous times with no results. I have provided the necessary documents to have these accounts removed and yet they still persist. Please review all attached information and act accordingly as required by law. These accounts are hindering my ability to obtain new employment and a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Check and Go XXXX XXXX XXXX, XXXX, TX XXXX Employee : XXXX XXXX Called and first thing he asked for was my DOB to verify identity. I asked him why and he did not give details, but insisted for the DOB and then I found out it was for a payday loan he was trying to get approved. I did not apply for a loan. I have a security freeze on my account. The caller said I do not have a security freeze listed on my social, but I know this is incorrect. 

I also checked my credit report and see this company pulled my credit without my consent. 

This could be a fraud scheme to get my identity in order to get a loan under my name without my consent. It was a very suspicious call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I have attempted to have Amex remove an account that was opened and used by a former spouse, after our divorce, without my knowledge or consent. While it has been years they and they were made aware of the situation this account records remain in their files and is harmful to me. I did not authorize this account and was opened and used without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a 609 letter to TransUnion asking for original documentation of verification of 4 items on my credit report. This letter was mailed via certified mail with tracking on XX/XX/2022. The letter was received on XX/XX/2022. ( Mail receipt tracking number through XXXX is XXXX ). 

On XX/XX/XXXX, I received a response from TransUnion, which they issued on XX/XX/2022 saying that their investigation results prove that all information is accurate for all four accounts I inquired. They did not include any original documentation, they did not include any description of procedure used to determine accuracy and completeness of investigation. They did not include any names, address or phone numbers of persons contacted regarding each account to verify information, and no other original forms, with or without signature, were presented to verify their investigation. 

On XX/XX/2022 I responded to TransUnion with another letter, asking for proof and method of investigation, asking for the documentation listed above. This letter was received by TransUnion on XX/XX/2022 via certified mail XXXX tracking number XXXX. I also asked that if they were not able to provide proof within 15 days, in compliance with my rights with the FCRA, that these 4 items be deleted off my account immediately. 

On XX/XX/XXXX I received a letter from TransUnion stating " Our records show that we previously completed an investigation of the below items, and the data furnishers verified the information on your credit file. '' There was no further documentation proving the method of investigation, or any original documentation to back their investigation findings. 

According to the FCRA, TransUnion is in negligent non-compliance with the FCRA, and are required to delete the four items which they were not able to show proper verification on. They are refusing to show proper verification, and are refusing to delete these items.

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 2022-03-11 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 previously sent my complaint Experian about blocking or removing all the information that is erroneous and fraudulent. They failed to organize a proper investigation to confirm and validate the items and unauthorized inquiries since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX Balance {$5700.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 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 2022-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-11 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: NY

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Loan was with XXXX XXXX. I utilized CARES act to temporarily halt my mortgage payments. 
I began repaying in XXXX of XXXX. The loan modification process kept being dragged and I was getting excuses, so I filed a complaint. As soon as they received the complaint, they approved a loan mod at XXXX percent and then sold my loan to PHH before I could even sign the paperwork.

I contacted PHH in XX/XX/XXXX to start making payments in compliance with the terms of the loan modification. They didn't even have an account number to give me, and I had to got o a supervisor to make payment with them. Since the very first contact they tell me every time that I am one week away from my documents being complete.

They sent me a loan modification in XXXX that had raised my interest rate to 4.15 percent. I immediately contacted them and told them that they had to comply with the interest rate offerred to me via XXXX XXXX. They said that they would have the loan mod updated and sent to me XX/XX/XXXX. I contacted them today and they have given me the standard line that give them a week to have the loan updated. Meanwhile, I am getting emails from them stating I haven't made my payments ( all three loan trial payments were made. Two in XXXX and one XXXX. They also emailed me what they said is the updated loan modification. But now are saying its still being reviewed. I have a payment due in XXXX and do not know what my payment is because they haven't completed the documents or are sending me false/fraudulant documents. 
I can scan and send all emails and mortgage docs you need upon asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I was contacted about a collection debt on a credit card that went into collections due to covid 19. I had made a payoff arrangement on XX/XX/XXXX to pay the debt off. I paid it off early on XX/XX/XXXX only to have it remain in collections on my credit report. I had contacted Portfolio Recovery to remedy this issue only to be told the mistake had been made on their end and it would be fixed and removed from my report by XX/XX/XXXX. As of XX/XX/XXXX it still remains on and as having an unpaid amount. Once again I contacted Portfolio Recovery only to be promised the same thing again. I paid this off almost 2 months ago and they are not treating it as so and removing it from my credit only telling me the same thing over and over again and admitting responsibility on their end but not fixing the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
Contstantly popping up on my credit never did business or know what this company is I have filed police report and ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have filed police report and ftc report and they still refuse to properly handle this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I have credit inquiries on my report that I do not recognize. 
XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: NY

Complaint narrative:
This is inaccurate and should not be on my report A company has gotten my medical report, I did not give permission for them to have it nor did I sign for them to have it. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Ulta credit card, serviced by Comenity, are perpetrating unfair credit reporting. They have added late charges to my account after I'd made my payment early, then when I paid my account off, placed interest charges 3 weeks after payment cleared for total stated balance on my account. Finally, they then placed a 30 day late charge on my account for the {XXXX} interest charged on an account paid off weeks earlier. 

Ulta, by Comenity XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : XXXX To whom it may concern, I am writing to dispute the {XXXX} charge on my account that is being reported as a 30 day late to all three credit bureaus XXXX, XXXX and XXXX. This is incorrect and when you see that my account had been paid in advance for the XX/XX/XXXX payment due of {XXXX}, you will see that any late charges should have been removed, except for XX/XX/XXXX when I was 9 days later than due date, with my final payment. 

My account had been paid off for 5 months, then I charged my account {XXXX} on XX/XX/XXXX. I did not have a XXXX payment due on XX/XX/XXXX, but I made a payment anyways on XX/XX/XXXX, that should have gone towards XX/XX/XXXX, since made after the monthly due dates of the XXXX that Ulta has on all their bills. Anything past the due date of the previous month, is supposed to roll towards the next payment. I paid ahead of time for my XX/XX/XXXX payment in the amount of {XXXX}, so the next payment due should have been on XX/XX/XXXX. You placed a late charge on my account XX/XX/XXXX, even though Id paid in advance of that date for that payment. I have NOT been 30 days late on a payment in XX/XX/XXXX or XX/XX/XXXX, as the account was paid in full on XX/XX/XXXX, only 10 days past the due date of XX/XX/XXXX. 

I not only was charged an incorrect XX/XX/XXXX late charge, but this also then rolled all my balances to a higher amount, so when I made my full balance payment of {$68.00} on XX/XX/XXXX ( that wasnt due until XX/XX/XXXX ), you still placed a {XXXX} interest payment on the next statement that should have had a zero-balance owing. I had already paid the XXXX payment ahead of time and in full yet 2-3 weeks later you placed another {XXXX} charge on my account. The full balance payment of {XXXX} should have been {XXXX} less as the XX/XX/XXXX late charge was unfairly added. To pay my account in full on XX/XX/XXXX, I should have only had to pay a total of {XXXX}. 

I am demanding you remove the XX/XX/XXXX late payment reporting on my credit report and I am reporting your unfair credit reporting practices to CPFB, as I have all the documentation to prove my complaint above is accurate and that you have been complicit in ruining my credit so I can not buy a home. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Contstantly popping up on my credit never did business or know what this company is I have filed police report and ftc report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2022, I meant to send {$15000.00} to my husband and soon realized it was not the correct recipient. I immediately tried to locate the contact information for the wrong recipient but there was no contact information available to me other than the messaging allowed within PayPal. I sent him the message that it was mistakenly sent to him and he acknowledged and asked if there was a reward for returning the funds. ( I have attached the messages ). 

It should also be noted that when I sent the funds there was no obvious contact info or phone number showing to verify it was the correct person. Also, it was very clearly shown that the funds would be coming from my bank account and as a back up from my XXXX card. There was nothing that stated it was being sent from PayPal first. ( Attached image ) I filed a dispute online immediately. However, on XX/XX/2022, I got a notice from my bank that Paypal was trying to withdraw {$15000.00} from my account again and upon logging into my PayPal account realized the dispute was not resolved. So I attempted to submit another online dispute. 

Then on XX/XX/2022, I got another notice from my bank that Paypal was trying to withdraw {$15000.00} from my account again and realized the dispute was not resolved again. I filed another online dispute and suspected there might be something wrong with Paypal 's system because each time I would hit the 'Submit ' button the page would not go to a new page but it would go to a different phase. I have attached a screen grab of the screen and it would stay this way indefinitely every time. 

Once I suspected it could be a technical issue, I called and filed the dispute. I was told to contact the wrong recipient and let him know what happened and to return the funds but there was no contact information available other than the PayPal messaging. The representative also said he would send a notice from PayPal. I messaged the person again and to this day there has been no responses. 

PayPal has now put a negative - {$15000.00} into collections against me and I believe that should be held against the person that admittedly took the funds that were not meant to be sent to him. Also, there is no contact information other than PayPal XXXX  which he is not responding to and also I was not able to verify the account prior.

Company response to consumer: Closed with explanation