vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 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: MS

Complaint narrative:
Experian furnished this account to my credit report without my permission and without my knowledge. This account XXXX XXXX  Acct # XXXX was a banking account I had with the corporation XXXX XXXX. The account went into overdraft for X amount of days. I never gave XXXX XXXX my permission to furnish my banking information onto my credit report. How did Experian obtained this information. I did not give Experian permission to furnish my banking information onto my credit report. Experian has violated my consumer rights by violating my privacy and has stolen my identity. I disputed this information before and as of XX/XX/2022 this information remains on my credit report. Experian is in violation of 1681 ( a ), 1681 ( a ) ( 4 ), and 1681b ( 2 ) of the FCRA. Experian is also in violation of 15 U.S Code 1681q.

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 2022-01-03 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: GA

Complaint narrative:
I XXXX XXXX checked my credit report and noticed some fraudulent an inaccurate accounts on my credit report, i then proceeded to reach out to the credit reporting agencies to seek remedy of the situations but no one would help me correct these fraudulent and inaccurate accounts.

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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I looked at my credit report and seen BMW FIN SVC had reported 60 days late on my credit report which is misleading false information. They reported negative and defaming information beginning XX/XX/2016 on my credit report. I sent a letter to the company to update those late payements and i didnt get no reply back. They never supplied sufficient information to me in order to validate the late payment. I do not agree with their actions. I have challenged the accuracy and integrity of the information, because they are reporting different things across all three credit bureaus. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
I spoke with Sallie Mae at the end of XX/XX/XXXX to discuss options for my private loan payments that I was continuously receiving emails for. I spoke with a customer service agent about these emails and explained to him that I was not sure why I was getting these emails as I was told in the past that my loans were not to be initially paid until XX/XX/XXXX. During this conversation, I was told by this agent that my loans were in fact NOT starting payments until XX/XX/XXXX and to just ignore the emails that I was receiving. I asked him to verify this information for me over 3 times before the call ended so that I could understand it correctly. I continued to ignore the emails as I was told and they continued to show me that I owed {$0.00}. At the end of XX/XX/XXXX, I then received an email stating that my loan payment was late and that I owed over {$1500.00}. I explained this situation to a new agent and was told that there is nothing they can do and that the other agent gave me false information. If I was told the correct information in XX/XX/XXXX when I called about the emails initially, I would've been able to refinance immediately. I am now stated to owe over {$1700.00} to them by the end of this month and was informed that I was already forwarded to collections after only XXXX missed payments. I have since refinanced, but I am waiting for that loan to close. I also contacted them informing them about this refinance and my ideation of returning to school. I asked them to make note of this so that my next payment was not considered late as I was either going to be returning to school, which would indicate another deferment, or refinancing my loans. During this call, I was hung up on approximately 3 times after being on hold for XXXX hours and half way through telling them my information. This agent was extremely rude and refused to help me. I was then charged another late fee after calling for XXXX week straight, XXXX, without any answer from any agent. I stayed on hold for approximately XXXX hours each day and received no response. I then went to XXXX to direct message them as their chat within the app did not connect me with an agent. I was told to contact them by phone once again, with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: NV

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains an old account that was included in my bankruptcy - XXXX XXXX XXXX for XXXX in the amount of {$1600.00}. 

According Fair Debt Collection Practices Act, debt discharged in bankruptcy has a statute of limitations for reporting - 7 years. This account was paid off/ discharged in 2015, which is 7 years ago. 

As a single mother of 3, Im planning to apply for a mortgage as a first time homebuyer, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the very old account Thank you for your consideration, and I hope youll approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains an old account that was included in my bankruptcy - XXXX XXXX XXXX for XXXX in the amount of {$1600.00}. 

According Fair Debt Collection Practices Act, debt discharged in bankruptcy has a statute of limitations for reporting - 7 years. This account was paid off/ discharged in 2015, which is 7 years ago.

As a single mother of 3, Im planning to apply for a mortgage as a first time homebuyer, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the very old account Thank you for your consideration, and I hope youll approve my request.

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 2022-01-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains an old account that was included in my bankruptcy - XXXX XXXX XXXX for XXXX  in the amount of {$1600.00}.

According Fair Debt Collection Practices Act, debt discharged in bankruptcy has a statute of limitations for reporting - 7 years. This account was paid off/ discharged in XXXX, which is 7 years ago.

As a single mother of 3, Im planning to apply for a mortgage as a first time homebuyer, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the very old account Thank you for your consideration, and I hope youll approve my request.

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 2022-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: NV

Complaint narrative:
RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : SEQUOIA FINANCIAL SERVICES To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw an incorrectly reporting trade line for an account from SEQUOIA FINANCIAL SERVICES for XXXX XXXX XXXX  for {$1800.00}. The account status shows seriously past due and it should not say that as this debt is not owed. 

I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by SEQUOIA FINANCIAL SERVICES is a VIOLATION of the HIPAA Act of 1996. SEQUOIA FINANCIAL SERVICES did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX XXXX XXXX  providing such information they are in VIOLATION of my HIPPA rights. 

I am proceeding with legal action as prescribed by law against SEQUOIA FINANCIAL SERVICES as well as XXXX XXXX XXXX  should this item not be deleted within 10 business days and until the debt has been validated and verified. SEQUOIA FINANCIAL SERVICES is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against SEQUOIA FINANCIAL SERVICES, XXXX XXXX OUTPATIENT, and all 3 credit bureaus : XXXX, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from SEQUOIA FINANCIAL SERVICES expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This complain is about a dispute on my Citibank Universal card account, last 4 digits ending in XXXX, that was opened last year on XX/XX/XXXX but remains unresolved as of today for a whole year. The case has dispute ID XXXX for an amount of {$5600.00} on a XXXXXXXX e-ticket XXXX Federal regulations requires disputes be resolved in 60 days and no more than 90 days. 

The e-ticket is refundable. It was cancel and XXXX confirmed the refund of the full fare on XX/XX/XXXX. However, only an amount of {$150.00} show up on my account, resulting in an amount of {$5400.00} in dispute. Citibank takes more than 3 months to came back with an investigation result on XX/XX/XXXX. It concluded that XXXX had issued a credit, but did not address the question of why there is only a partial refund of {$150.00} on my account, but not the full amount. The investigation was incomplete, but still they close the case and re-billed my account. 

After further information was supplied to Citibank, the case was reopened. Several communications were made, the last one from Citibank being on XXXX/XXXX/XXXX, in which Citibank told me to be patient. I contact Citi on XX/XX/XXXX again, but have no response from them so far. 

From the date XX/XX/XXXX when the dispute was opened to XX/XX/XXXX to when Citi complete its first investigation, was 106 days, more than the 90 days allowed by Federal regulations. Even then, the dispute remain unresolved and open, and by now it is more than XXXX year. 

In addition, on XX/XX/XXXX Citibank closed my Universal credit card, the reason being returned payments in the last 6 months. This is not true. The account is always current and have exceptional payment history on my XXXX credit bureau report. Also there is no return check and return check fee on my account for the last 6 months. 

According to federal regulations, restricting or closing by creditor of account regarded by obligator to contain a billing error is not allow. Such action is being regarded as an action to collect the amount in dispute. 

Effect of noncompliance with Federal requirements by Citibank forfeits any right to collect from me the amount in dispute and finance charges thereon. I request the refund of the dispute amount and interest into my account, and also the reopening of my account ending in 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 monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurant accounts on my credit report. i then proceeded to reach out to the credit reporting agencies to look for remedy to the situation but couldn't get anyone to help me correct these fraudulent and inaccurate accounts

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 2022-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services is in 7 violations! Credit Collection Services is in violation for 15 usc 1692b ( 5 ) 6 times! There was 6 Symbol/Logo on the debt letter and Credit Collection Services Put on the letter " This is an attempt to collect a debt so they are in violation of 15 usc 1692b ( 2 )! I am demanding a {$7000.00} check or 7 individual {$1000.00} checks mailed to my address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX  ) for these violations! 15 U.S. Code 1692k- ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) 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 2022-01-03 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: Kelsting Group, Inc.
State: CA

Complaint narrative:
I was contacted by a notice by PACIFIC CREDIT SERVICE attempting to collect a debt that I never contracted or agreed to pay. They reported negative and defaming information beginning XX/XX/2019 on my credit report. I sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their ACTIONS. I have challenged the accuracy and integrity of the information. Please help me in getting this resolved asap. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I already put a complaint on this matter but I received more information XXXX  who was in my credit report for XXXX found my back taxes for Nationstar and gave that information to Nationstar and XXXX did get paid for it also the amount owed on the taxes were incorrect and Nationstar got refunded for the amount over paid The XXXX XXXX. Treasurer even told XXXX my house wasn't in Foreclosure but they taxes anyway and broke the contract I had with XXXX XXXX the worst part XXXX  did my Credit Report on XX/XX/2021 and Nationstar didn't pay until XXXX XXXX and didn't notify me they paid my renter called me and told me. Last but least Nationstar sent me a bill XXXX dollars for full payment or I was given XXXX and XXXX 2021 off and in XX/XX/2021 which raised my mortgage payment from XXXX to XXXX a XXXX increase and now I'm struggling alot there was no 6 months 12 months offered I've notified the CEO and everyone on the board even XXXX XXXX Bank and they stand by the decision. This is like they didn't care about this before and I feel they singled me out. I hope this time things will be different

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX OF MO XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF AM XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX OF AM ) 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