vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flat Branch Mortgage, Inc.
State: KS

Complaint narrative:
There are many dates involved! Primarily approximately on XX/XX/2023 a cease and desist letter was mailed to corporate office of XXXX XXXX XXXX XXXX. I instructed to be contacted by mail only. XXXX XXXX XXXX XXXX I spoke to many times afterwards asking him to refer this to the legal department. He refused!. I've kept recordings starting XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. XX/XX/2023, & last call so far XX/XX/2023! This violates my rights and the cease and desist letter. There's an open civil lawsuit court case XXXX. I have received in the mail notices to default and intent to foreclose in which I have responded to. I have yet to receive a rebuttal, solution, and or a settlement without the judge and the magistrate help! I have mailed LEGAL notices to the Mers registry, XXXX, XXXX, XXXX, FTC & the different entities of Flat Branch Mortgage! Reporting the fraud and intimidation and the right to add them to the lawsuit moving forward.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
My credit report shows an inquiry on XX/XX/2023 from Regional Acceptance. I have disputed the inquiry twice prior to this and the company claims there is no inquiry on my report. They have requested my credit report to further investigate although I provided a screen shot from XXXX of the inquiry. The inquiry remains on my report. I never requested credit from this company, nor did I allow permission to this company or any other to obtain information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: FL

Complaint narrative:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a dispute to Equifax for some fraudlent inquiries I noticed on my credit report. After sending the dispute to Equifax, I never recieved a response. 

I have attached a copy of the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI

Complaint narrative:
I filed a complaint on XX/XX/XXXX complaint # XXXX. Nissan claimed I'm Not a current customer because they can't find " record of me ''. Even though I was sent recall notices as recent as XXXX for faulty key fob to my current home address which I had to provide in order for this process to be started. This complaint was then closed after XXXX responded. Therefore I'm filing again. 


XXXX has a basic manufacturers warranty on their XXXX XXXX of 3 year/36,000 miles & a 5 year XXXX miles power train warranty. I purchased an extended service contract for an additional {$2500.00}. Today XX/XX/XXXX, I contacted XXXX XXXX Services. The provider and administrator that XXXX XXXX used for the extended warranty. The representative confirmed that I had the platinum plan, which I learned, today, actually started XX/XX/XXXX ( the day I purchased the car ) and is good until XX/XX/XXXX or XXXX miles. Now my vehicle ( a XXXX XXXX XXXX XXXX ( which has XXXX miles ) needs some mechanical work completed. As Im out of the warranty window on both the manufacturer warranty AND the extended warranty I am paying out of pocket. My understanding with extended or the way it was explained to me upon purchase was that when Nissans manufacturers warranty ended, the extended one would kick in providing additional coverage. NOT run parallel to what I already had in place. XXXX XXXX XXXX recommended I contact the dealer and request a refund they could see that I have never used the warranty. I did as suggested. The dealer denied on the basis that I was past the mileage. This wouldnt be the case if it was a true extended warranty. For example ; I have to drive XXXX miles XXXX way to work. Thats XXXX miles round trip. 5 days a week equals XXXX miles which then becomes XXXX miles a month. Of course there are other obligations like my kids school which is XXXX miles a month or the grocery store, dr. appointments, etc, but you get it. That extra XXXX extended miles for {$2500.00}. Gone. In less than a year AND not even used for car repairs! Nissan deceptively sold a product and unnecessarily overlapped it with their own manufacturers product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from XXXX XXXX as mine but I haven't received any information to verify the validity of the debt to be mine, had any contact me via mail or had the right to dispute. Please supply the information below so that I can be fully informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-08-01 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$610.00} 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 2023-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Beginning of Covid in XXXX our mortgage payments were refunded twice. I called and they said payments were suspended due to lock down. At the end of 2 years I was told I had to pay back payments totaling over {$89000.00}. Which I didn't have. In XXXX of XXXX my husband died after a long illness of XXXX. I was threatened with foreclosure. Since XXXX of XXXX I have sent in modification loan documents over XXXX times, only to be told something was always missing or I left out information. I had to take out bankruptcy in XXXX in order to stay in my home. The latest round was the final straw, again I am being told they didn't get the correct info and it was received late. I am XXXX XXXX XXXX with numerous health problems including XXXX XXXX. All I want is to be treated with respect and fairly. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been using Experian Credit monitoring service for over 4 years, paying a monthly fee of {$29.00}. According to the service, my scores are updated monthly by all XXXX bureaus. In addition I receive alerts and credit offers. 

Today, I sought assistance for a consolidation loan. The lender checked my XXXX report while I was on the line. The number he saw was XXXX points lower then what my Experian service reports my XXXX number to be. In fact, when I updated my scores on Experian today, my XXXX score went up!!! I then logged into XXXX directly and again found a XXXX point discrepancy ... ..on the same day!! 

How is this possible?? I am not in a good financial situation, yet, Experian would have me to believe that all is well!!! When I called Experian, they told me something about using different scales and scoring systems, but it still doesn't make any sense. 

If I'm paying them, I want to have accuracy ... .not a lie just so they can keep promoting more products. It's supposed to be helping me stay on track, not painting a false picture.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XX/XX/2023, I demanded that PORTFOLIO RECOVERY ASSOCIATES LLC comply with 15 U.S. Code 1692g. On XX/XX/2023, XXXX responded, stating, " Due to your request that we cease communications, we will not be providing validation unless otherwise required by law. '' It is my right under 15 U.S. Code 1692g to receive all information within 30 days pertaining to this alleged account. 

On XX/XX/2023, I received a letter that I find to be laughable, claiming the completion of their investigation with a hearsay document that appears to be produced in XXXX XXXX. It is worth noting that PRA sent this hearsay letter was produced 55 days after i demanded full verification on this alleged account, and it took 67 days for the hearsay document to reach me. This information will be provided within the portal. Additionally, I have lodged a complaint with the Tennessee State Collection Board with the warning, and this information will also be shared. 

Portfolio Recovery Associates , LLC has gone even further with their unlawful practices by reporting on my personal credit reports without following 15 U.S. Code 1692g. I demand that PRA provide proof that they have complied with 15 U.S. Code 1681s2 ( 7 ) ( A ). They have failed to prove any claims on this alleged debt, and I have never entered into any agreement with this alleged debt. Nor will I do business with any company without my consent.

Furthermore, I demand that PRA takes all necessary steps to remove all inaccurate and damaging information from my credit reports, close all collection activity related to this alleged account, and close my file within their offices. Any further delay or noncompliance on their part will be considered an intentional disregard of the law and my rights as a consumer.

In the event that PRA fails to comply with these demands within 15 days, I will pursue legal action against them to seek redress for the damages caused to me and to hold them accountable for their repeated and intentional violations of the Fair Debt Collection Practices Act ( FDCPA ) and the law.

I demand that Portfolio Recovery Associates , LLC takes this matter seriously and takes immediate action to rectify the situation. Failure to respond or comply with these demands will be deemed an admission of guilt and will result in more severe consequences. I reserve the right to pursue all available legal remedies to enforce my demands and to seek damages as appropriate under 15 U.S. Code 1692k and through the courts.

To conclude, I want to emphasize that I will not cease my efforts until the truth comes to light regarding the questionable practices of your company. I will not pay a single penny, especially for something that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX shows experian account # XXXX was first 30 days late in XX/XX/2018. In the comments it shows as of XXXX i was delinquent. The balance they charged off shows to be XXXX but the amount they are collecting is XXXX. They cant add interest after they charged it off. My credit report has false data, XXXX different dates it was charged off and XXXX different balances. This needs to be removed from my report. 


XXXXXXXX XXXX XXXX shows XXXX was 30 days late and XXXX on another part of my report. It shows in XXXX it was charged off for XXXX but they say i am owing XXXX. Once again interest has been added. 

They also report me living at XXXX XXXX XXXX XXXX XXXX tx. I have disputed this with transunion and experian. They refuse to remove the false date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information with Equifax. ive reported alot of errors to all credit bureaus an nothing has been updated. this is my 2nd attempt to delete an remove all invalid data. please review an remove the listed items to clear an correct my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I first had the issue with Arvest bank releasing my funds to me that I deposited. Because of how they had instructed my mom and I to sign the back of a check. Then they released funds and did not tell me procedure about how much I could use. So then a day later they take the funds back and close out my account. Staying at first the check was bad check. Which in fact it was not normal was it ever. Then they switched there story 7 times before finally just staying I can't get my funds released until the end of the month. I'm XXXX with XXXX due in XXXX and have XXXX kids. We are now out a home another month homeless and I have been to hospital XXXX due to XXXX XXXX and just can't believe this is happening. I did nothing wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: IL

Complaint narrative:
I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XXXX XXXX : XXXX. XXXX, 2023 ; XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 ; XXXX XXXX XXXX : XXXX. XXXX, 2023 ; XXXX XXXX  XXXX : XXXX. XXXX, 2023 these items above should be removed from my report 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 2023-08-01 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: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$9400.00} XX/XX/XXXX XXXX XXXX {$5200.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX {$3600.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief