vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in a formal request to investigate all information regarding my credit report with Trans Union via certified mail. Its been well over 90 days and they claim that they are still investigating. My understanding is it should be a 30 day process the very latest 60 days. I called and updated my address with transunion within the time frame they requested via telephone call. I provided Trans Union with all information including identity. License, Social Security, card, and proof of residence. To date they have not responded. I can not check or verify my credit on their website. The information being transmitted can not be validated or verified. Violating my consumer rights. Well over 90 days.

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 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Due to a recent investigation of my credit profile I was informed of the suspicion of someone possibly having access to my SSN. My SSN was lost during my time in high school and i was issued a new one around XXXX 

Hard inquires that i dont recognized, didnt authorize or dont remember applying for are ; 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC
State: NJ

Complaint narrative:
Debt is disputed on credit report yet they continue after being told to cease and desist to contact family and associated people. This is a XXXX over XXXX years old. Disputed on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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 — Was not notified of investigation status or results
Company: I.C. System, Inc.
State: NY

Complaint narrative:
1 Collection XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Derogatory XX/XX/XXXX {$270.00} Reported Illegally on my consumer report this above collection item On XX/XX/XXXX I not only contacted the consumer reporting agencies regarding this illegal item, which would constitute as identity theft as I never did any business whatsoever with XXXX and wrote to XXXX as well requesting they provide all documentation regarding our contracting them, billing and payment history, contract to do business with them, life of the account. They did not respond in any way, what they have done is now sell or transfer this debt to I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Account numberXXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$270.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX. This is how they ruin and abuse consumer 's creditability and consumer profile. I never did any business with IC Systems, nor have I received any information from them. How they are allowed to illegally furnish information to my consumer profile is not only injurious to me but alarming. 

Aside from the personal injury to me, these persons ( XXXX and XXXXXXXX XXXX XXXX ) in collaboration with consumer agencies are breaking the law. In fcra 15 USC 1681 Congress specifically stated what can be reported to a consumer 's report and equally important what MUST BE EXCLUDED. Any transactions and experiences are to be excluded from a consumer 's ( my ) profile. In addition, in my communication with XXXX I exercised my right given to me by congress to request XXXX to cease and desist from this illegal activity they in turn chose to collude with IC SYSTEM Inc to further injure my consumer profile. I have never done any business with XXXX not IC SYSTEM INC. I have never opted in to their reporting to the consumer agencies on my behalf. I am pleading to CFPB and FTC to get these persons and agencies to provide my OPT IN and life of the transaction proof as well as any contract of me agreeing to do business with them.

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 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
This number calls from varius different numbers, but yesterday they called from a caller ID identifying them as " Comenity Bank ''. I provided my information reluctantly since they said I had to verify myself to gain information. 

I provided my current information, and then was informed that they were calling from Comenity Bank, and that previously charged off debt that I PAID, was returned back to Comenity Bank for XXXX and XXXX credit card, Express Credit Card with past due balances. I asked them for the date of last activity, they said XXXX, and that it was still in the reporting period. I then informed them that I paid all my past due debts and I owe no one. In addition to, I asked them to send me correspondence of the alleged debt, but was informed that they could not send me correspondence and that if I do not hear back from them in 10 days to call them back. 

I feel that this is fraud for a couple of reasons : Past due obligations to Comenity Bank for the above referenced accounts were paid and settled with Comenity directly in XXXX, and Comenity has verified that I do not owe them any past due balances. 

Additionally, when I asked the debt collector to send me correspondence to my current provided information that they took from me on the call during this conversation, the agent said she could not send me any paperwork. 

This is not in accordance with fair debt collection practices, and I feel that whomever this company is, is either committing identity theft ( since they stole my information ) and falsely stating that they are organically Comenity bank and not a third party debt collector, and they refused to send me paperwork after I asked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It was showing that I had to socials numbers merge accounts, so I had to prove my identity majority of the information was removed. After I prove my identity now its returned. Please fix the problem.

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 2023-04-04 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:
Account # : XXXX Account Name : XXXX XXXX XXXX XXXX  Balance : {$5100.00} Original Creditor : XXXX XXXX XXXX XXXX have contacted both Experian, as well as XXXX XXXX XXXX regarding this account. The high balance is inconsistent with the other credit bureaus. The close date is incorrect. Last payment is also incorrect and inconsistent with the other credit bureaus. 
XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I entered into a 6-month mortgage forbearance in XX/XX/XXXX with XXXX because my husband was laid off due to the pandemic. As soon as my loan entered the forbearance period ( XXXX ) and I stopped making payments XXXX reported to the credit bureau that I had missed my payment. I, unfortunately, did not notice this immediately because I was told by XXXX not to be concerned with the late payment notification on my online account. At the end of the 6-month period, I made a request to extend the forbearance for 2 more months ( XXXX - XXXX ) which was when my husband would begin his new job. They granted my request for an extension but again reported that I did not make my XXXX mortgage payment to the credit bureau. At this time my parents, who are consignors on my loan applied for a second mortgage for an investment property. During their application process, they realized that XXXX had made multiple missed payment reports which had severely lowered our credit scores. At this time both my consignor and me made several attempts to contact XXXX to resolve this issue with minimal response. XXXX promised to fix the issue, fixed it, then again made negative reports causing us to begin the whole process of resolution over again. At the end of the extended forbearance period I was ready to begin making payments ( XX/XX/XXXX ) again on my mortgage but XXXX notified me that the paperwork was taking longer on their end so they were extending the forbearance for 1 more month. Again, they reported that I had missed my payment for XXXX. As of XX/XX/XXXX, I have officially exited forbearance and made my first mortgage payment to XXXX XXXX. As of XX/XX/XXXX, I still have 2 missed payment reports on my credit and my credit score has dropped 200-300 points. I have been denied for a small loan and have had one if my credit accounts closed due to the derogatory marks. My parents were finally approved for their mortgage after extending closing several times and settling on a higher interest rate loan. The time spent trying to contact XXXX, the stress this has caused, and the financial repercussions are still impacting us.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I entered into a 6-month mortgage forbearance in XX/XX/XXXX with XXXX because my husband was laid off due to the pandemic. As soon as my loan entered the forbearance period ( XXXX ) and I stopped making payments XXXX reported to the credit bureau that I had missed my payment. I, unfortunately, did not notice this immediately because I was told by XXXX not to be concerned with the late payment notification on my online account. At the end of the 6-month period, I made a request to extend the forbearance for 2 more months ( XXXX - XXXX ) which was when my husband would begin his new job. They granted my request for an extension but again reported that I did not make my XXXX mortgage payment to the credit bureau. At this time my parents, who are consignors on my loan applied for a second mortgage for an investment property. During their application process, they realized that XXXX had made multiple missed payment reports which had severely lowered our credit scores. At this time both my consignor and me made several attempts to contact XXXX to resolve this issue with minimal response. XXXX promised to fix the issue, fixed it, then again made negative reports causing us to begin the whole process of resolution over again. At the end of the extended forbearance period I was ready to begin making payments ( XX/XX/XXXX ) again on my mortgage but XXXX notified me that the paperwork was taking longer on their end so they were extending the forbearance for 1 more month. Again, they reported that I had missed my payment for XXXX. As of XX/XX/XXXX, I have officially exited forbearance and made my first mortgage payment to XXXXXXXX XXXX. As of XX/XX/XXXX, I still have 2 missed payment reports on my credit and my credit score has dropped 200-300 points. I have been denied for a small loan and have had one if my credit accounts closed due to the derogatory marks. My parents were finally approved for their mortgage after extending closing several times and settling on a higher interest rate loan. The time spent trying to contact XXXX, the stress this has caused, and the financial repercussions are still impacting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I entered into a 6-month mortgage forbearance in XX/XX/XXXX with XXXX because my husband was laid off due to the pandemic. As soon as my loan entered the forbearance period ( XXXX ) and I stopped making payments XXXX reported to the credit bureau that I had missed my payment. I, unfortunately, did not notice this immediately because I was told by XXXX  not to be concerned with the late payment notification on my online account. At the end of the 6-month period, I made a request to extend the forbearance for 2 more months ( XXXX - XXXX ) which was when my husband would begin his new job. They granted my request for an extension but again reported that I did not make my XXXX mortgage payment to the credit bureau. At this time my parents, who are consignors on my loan applied for a second mortgage for an investment property. During their application process, they realized that XXXX had made multiple missed payment reports which had severely lowered our credit scores. At this time both my consignor and me made several attempts to contact XXXX to resolve this issue with minimal response. XXXX promised to fix the issue, fixed it, then again made negative reports causing us to begin the whole process of resolution over again. At the end of the extended forbearance period I was ready to begin making payments ( XX/XX/XXXX ) again on my mortgage but XXXX notified me that the paperwork was taking longer on their end so they were extending the forbearance for 1 more month. Again, they reported that I had missed my payment for XXXX. As of XX/XX/XXXX, I have officially exited forbearance and made my first mortgage payment to XXXXXXXX XXXX. As of XX/XX/XXXX, I still have 2 missed payment reports on my credit and my credit score has dropped 200-300 points. I have been denied for a small loan and have had one if my credit accounts closed due to the derogatory marks. My parents were finally approved for their mortgage after extending closing several times and settling on a higher interest rate loan. The time spent trying to contact XXXX, the stress this has caused, and the financial repercussions are still impacting us.

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 2023-04-04 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: AZ

Complaint narrative:
XX/XX/XXXX Letters were sent to XXXX demanding them to verify and validate inaccurate, wrong, and incorrect information being reported on my consumer report. They failed to validate and removed all debt in violation of FDCPA. The debts attached were challenged and could not be validated nor verified demanding removal. 

Demanded Wet Ink Signature Demanded Validity of Original Contract Demanded for bond to show affiliation with govt. 
Demanded for amounts and proof of debt.

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 2023-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX in XXXX Va and Capital One both denied me a car loan using erroneous information from XXXX. The details of my credit history is as follows. I have a credit score of XXXX, can't get much better than that. I have NO loans and the majority of my purchases are on my XXXX XXXX card that I pay off in full every month. there are a couple of credit cards from stores etc, I hardly use them and I. pay each and every one in full at the end of the month. I am retired, I own my home, no mortgage. No car payments or other consumer loans. I have assets in excess of {>= $1,000,000} the majority is in my retirement investment account, the rest in a bank or is real property. by any account I am an excellent credit risk. The explanations from XXXX and Capital One, make no sense and couldn't be a conclusion gleaned from the experian credit report. I believe I am the victim of discriminatory credit practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: FL

Complaint narrative:
It was showing that I had to socials numbers merge accounts, so I had to prove my identity majority of the information was removed. After I prove my identity now its returned. Please fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I submitted an employer certification form ( ECF ) for public service loan forgiveness ( PSLF ) in XXXX of XXXX for my employment dated XXXX XXXX XXXX. I also submitted IRS tax forms confirming the organization 's status as a 501c3 because Federal Student Aid ( FSA ) 's tool showed it as an ineligible employer. I called Mohela for an update regarding this certification on XX/XX/XXXX and I was told that it was under review by the XXXX and MOHELA couldn't provide an update until XXXX had completed their review. I immediately reached out to XXXX to request an update and XXXX stated that XXXX has outsourced that to Mohela. I reached back out to Mohela ( XXXX  ) and shared the information I was given. At that time the representative stated that Mohela is the company that is reviewing these forms, but is unable to provide an update until the review is completed. It has been under review since XXXX of XXXX. It's been six months of hearing " you'll get an update in 60 days, '' " 90 more days, '' " 90 days '' and now they simply refuse to provide an update and even lied to avoid assisting me. With all of these delays, I've now been in public service for 10 years and six months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one continues to try to charge me for for charges I did not make. When you tell them the charge they issue a credit then take the credit back the next day. They do no investigation whatsoever. Which is more and more striking as fraud. No credit card company does this. I spike to one of the venders who admitted the errors and apologized, yet capital one is taking back the credits they issued and will see the credit coming back from the venders who recognize the errors.This in itself says something is wrong with capital one. I have no intention of using their card services again ever after this is resolved.

It's one thing for the consumer to say fraud occurred and there to be no proof, but for fraud to occur and a vender admits to it after capital one cited the transaction was accurate, says that Capital one credit is not following federal regulations.

I have attached all the letters from then, in the past 6 days, I've seen them do this so many times, that I want nothing to do with them.

Its ridiculous, there is one from XXXX where uhaul admitted they did not have the machine booked online. charged anyway, then I contacted Capital one, they credited the account then took the credit back, citing as shown they found no dispute or fraud that the charge was valid, yet uhaul admitted they did not have the machine and credited the account back. 

Capital one is engaging in consumer fraud.If the vender admits after the credit was removed it means capital one never investigated anything, and I've seen this too many times with capital one. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

Company response to consumer: Closed with explanation