vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Your company has been performing malpratice and is breaking the law Frivolously. it has been a grossly amount of poor performance in handling my investigation with so much negligence that has caused me finaicial injury and harmed me from being able to obtain any credit or auto loan and several other things. Several Laws have been broken Under The Fair Credit Reproting Act made to protect consumers like myself it has been a nightmare trying to get this matter resolved and my Character hasbeen Deframed slandered and ridiculed I am traumatized with this outcome and it has been extremely overwhelming.

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 2022-04-04 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: Contemporary Information Corp
State: NC

Complaint narrative:
XX/XX/XXXX XXXX Reports Consumer Relations XXXX XXXX XXXX # XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Re : XXXX XXXX, Background Report, Incorrect Eviction listing. 

To whom it may concern ; It has come to my attention, by review of the background report, furnished by Your organization, that you have a listing on file, dated : XX/XX/XXXX, Case No : XXXX, for : Forcible Entry/Detainer Release . 
Under the name of : XXXX XXXX, XXXX. At : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
I am disputing this incorrect information. My name is Not : XXXX XXXX XXXX XXXX and I have never lived at : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
This is a case of Identity Theft and Fraud! 
The entry is being disputed and should be effectively removed from your system immediately! 
I have supplied my Identity Theft Affidavit along with current Identification and Social Security card to verify my true identity. 
Once this information has been corrected, please send an updated report with an apology for misrepresented information which improperly showed me as having an eviction which is incorrect. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: MA

Complaint narrative:
I received an email with my full legal name, an old address, and content stating my loan was approved for XXXX. I did NOT apply for this loan. I reached out multiple times and was told they needed additional PII to look me up in the system. In the meantime, I submitted a XXXX  complaint and noticed that many folks have reported similar situations resulting in some of them paying money to stop the harassment in collecting loan proceeds for a loan they didn't even apply for. 

I finally spoke with XXXX in management today. He mentioned this is likely identity theft. He confirmed the funds were actually sent to an old XXXX account of mine. This account has been closed for years and the funds were returned. 

Here 's my issue. This isn't identity theft. In what world would a scammer use my actual email address and an old bank account that was actually mine and is now closed. This is likely a business model choice... 

I'd like to fight this as far as I need to. I did go through a terrible time in the past ( 15 years ago? ) with a few payday loan firms and I remember the endless fees and inability to pay them down. I thought these guys were ultimately run out of business, but it seems they are still alive. 

I'd like someone to investigate the actual loan app that they approved. I asked the company to send me a copy as well. I am in banking and understand underwriting. They didn't run a personal credit score or report for me. They didn't contact my place of employment, etc. hence why I believe this scam originates within the payday lender itself or something less obvious then just run of the mill identify theft. I'm morally outraged that this firm hides behind their tribal jurisdiction and is fleecing people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: LA

Complaint narrative:
I have tried repeatedly to get all three major credit reporting agencies to comply with the Fair Credit Act when it comes to my credit report. They will not take old information off and when asked to investigate something it always comes back as verified. When I ask for the name and position of the person who verified it and how it was verified, I never get a response back. It is my understanding that this is a requirement of the law. I was going to take the problem to my US Senator but figured I would try here first. I can't remember exact dates, but it has been several times over the years and with all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 30 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 2022-04-04 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:
There is an account that is being reported on my Experian Credit Report that should not be. The account is as follows : XXXX XXXX Account # XXXX Sold To : XXXX XXXX XXXX. This account does not belong to me. XXXX XXXXXXXX XXXX XXXX filed a Civil Suit against me regarding this account. I did not know the source of their information on this account and due to this the case was dismissed in my favor in the XXXX XXXX XXXX XXXX XXXX XXXX of Georgia on XX/XX/XXXX. I mailed out 4 letters to Experian on the following dates ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting for the removal of this account with copies of the Court Dismissal. Each time Experian sent a letter back to me stating " that the company that reported the information has certified to Experian that the information is accurate ''. In my last 2 letters to Experian ( XX/XX/XXXX, XX/XX/XXXX ) I requested they provide me with the actual proof the information was verified, not a computer generated confirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I also mailed a letter to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX requesting they remove this account from my Credit Report and received no response. I would like this account removed from my Experian Credit Report as it is highly injurious to my credit rating.

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 2022-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TARGET in is XXXX XXXX statement has charged me a {$40.00} fee but I have no idea for what. 

I shall not pay the said {$40.00} fee as it is exorbitant and excessive and at this time of dire skyrocketing inflation! 

I respectfully demand that this account be closed but, of course, I remain obligated for the balance remaining. 

I shall not do business with such a company that charges this sum of money and does not tell me for what! 

They shall have to take me to a court of law but I shall not pay this " fee ''! 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04 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: Lending Club Corp
State: KS

Complaint narrative:
Ok i have been trying to clear up some inaccurate late payments with The Lending Club since XX/XX/XXXX and for some reason they will not acknowledge or fix the error art all. There are 2 accounts reporting 30 day and 60 day Late payments in XXXX. Now these accounts are on auto pay and i have never ever missed a payment with the Lending Club. The account they come out of has never overdrawn or anything, so the payments should have been paid out as scheduled. I spoke with Lending Club on the phone about this and told them the error was on their side not mine. Even with this they refuse to take responsibility and are reporting these late payments on my credit profile which is seriously hurting my credit score nd making me look unreliable to any financial institutions causing me to get denied for loans both personal and for my business. If these payments were actually mossed I was never notified properly 21 days before the due date to even clear up the billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: OK

Complaint narrative:
This account is showing an inaccurate closing date of XX/XX/2021. Ive tried to file a dispute and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Due to losing my job during the pandemic, I have reached out to my mortgage servicer 3 times for help through loss mitigation. Prior to losing my job, I was never late with a mortgage payment. After finding employment at the end of XXXX, I experienced a decrease in my annual income so I reached out to my servicer for help. They closed my case twice due to my account being current. My mortgage was being paid thru a program called Hardest Hit Alabama. I applied for assistance when I was unemployed so my account was current until XX/XX/XXXX. I had to file bankruptcy in XXXX of XXXX BUT NOT ON MY MORTGAGE. IT WAS CURRENT. I only filed on my revolving debt in order to be able to afford my mortgage payments. Again in XX/XX/XXXX I reached out for help thru loss mitigation but my servicer closed my case due to my account being current. I was not able to make my mortgage payments when my assistance with HHA was up in XX/XX/XXXX. I reached out to my servicer again and have gotten the run around since XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX and I have had a 3rd loss mitigation application in for review since XX/XX/XXXX. As of today, XX/XX/XXXX, the status of my mortgage account says " active loss mitigation '' but an attorney has looks to have initiated foreclosure proceedings. My servicer has never once mentioned foreclosure to me and not once have they tried to contact me. I have contacted them many, many times for information and I am getting the run around. I have proof of everything written in this statement.

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 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/2022 I made a purchase online on the XXXX XXXX web site and booked two round trip tickets from XXXX to XXXX XXXX XXXX one for myself and one for my daughter in the Amount of XXXX each ticket totaling {$760.00} upon receiving my statement with charges Bank of America charged me a foreign transaction fee for each separate ticket in the amount of {$11.00} each totaling XXXX I was on an American website purchasing tickets for an emergency flight to see my XXXX father in XXXX I was not flying internationally nor was I purchasing anything from the XXXX and charges are invalid. I was told that Bank of America can not remove the fees. The system would not allow them to credit the monies back.

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 monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCOUNT HAS BEEN DISPUTED BEFORE. ACCOUNT WAS DELETED BUT ACCOUNT IS STILL SHOWN ON 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 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
ACCOUNT HAS BEEN DISPUTED BEFORE. ACCOUNT WAS DELETED BUT ACCOUNT IS STILL SHOWN ON 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 2022-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NM

Complaint narrative:
BSI financial did not pay my property taxes in XXXX causing me to come out of pocket to avoid penalties. I contacted them at the time to request a refund, was told it was processing, and never received any follow-up or the refund check. 

My next property bill is due XX/XX/10 so I called them to ensure my bill gets paid on time. The representative was rude and dismissive and told me they would send the check XX/XX/10 which is the last day of the grace period. I verbalized thats unacceptable and will cause me to be charged late fees if they wait until the end of the grace period to pay and he continued to dismiss me and insisted they could not send a check by the real due date and they only pay at the end of grace periods. I reminded him they never paid at all last time and Im trying to prevent that from happening again and he dismissed my concerns yet again. 

The bill should be paid by the actual due date, not the end of the grace period. If I wait until the last day of the grace period like they instructed me to and they fail to pay my bill yet again, I will have to pay out of pocket and get slapped with penalties. This company is notorious for mismanaging escrow accounts. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
The credit inquiry is from CAPITAL ONE BANK US on the date XX/XX/XXXX. And it is on all three credit bureaus XXXX, XXXX and XXXX AT THE SAME TIME. So technically three inquiries. 
I am a dual XXXX -American citizen, have been outside the country working for the last 10 months ( and have solid proof of that ; Airline tickets, Passport stamps, employment records ). 
I have not applied for anything with CAPITAL ONE BANK USA, do not recognize their inquiries and in no way authorized them to pull my credit report. 
I have also reached out to them asking that they remove the inquiries from my credit profile, they have been no help, kept passing me around in their departments and occasionally hung up on me. 
There is no accountability or order in their company it seems. 
These credit inquiries are completely unauthorized and should be removed from my credit reports according to the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
This is the second complaint I have filed with no resolution. I have tried reaching out to the compnay many times, and the few times I have spoken with them they have said the problem was resolved. I have logged into my mortgage portal and this is not the case. My mortgage is off, they are making partial payments on my behalf, and have not issued a refund of escrow shortages that was done on the XXXX. My credit is being affected and there has been no resolution. I need help with this ASAP. The attachment shows they are giving me late fees that are and should not be impossed, also you clearly see the credit was issued by the last carrier of the loan. What the XXXX is going on here

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Bank, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX the following accounts listed below 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 XXXX ( original Creditor ; XXXXXXXX XXXX XXXX XXXXXXXX ) Account # XXXX, has violated my rights XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ( original Creditor ; XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX ) Account # XXXX, has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX  ) Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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