vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$9500.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$800.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX  days late in XX/XX/2020, XX/XX/2020, XXXX XXXX 60 days late in XX/XX/2020, XX/XX/2020 as well as XXXX days late in XX/XX/2020 and XXXXXXXX XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX  ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

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 2022-02-19 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: CA

Complaint narrative:
XXXX / 30 days late in XXXX 2020, XXXX 2020, XXXX 2020, 60 days late in XXXX 2020, XX/XX/2020 as well as 90 days late in XX/XX/2020 and XXXX 2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX / 30 days late in XX/XX/2020, XX/XX/2020, XXXX XXXX, 60 days late in XX/XX/2020, XX/XX/2020 as well as 90 days late in XX/XX/2020 and XXXX XXXX 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I sent in a dispute letter on XX/XX/XXXX to verify my medical debt and received no word back on if the debt was actually validated sent another letter today again to get some more information, but it has been well over 30 days and I have had absolutely no word.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I recieved a bill from Pay Pal, stating i should contact them concerning this at the # given XXXX. I called and told the person about the invoice and he stated he would transfer the call, a man stated his name was XXXX and he was in charge of financial matters at that location. 
Then he said the phone connection was not clear and he needed to call me back on another line. He called from # XXXX and he began explaining how this would have to be resolved. He looked through my computer and found my bank account, then he deposited {$1400.00} to my account., when it was complete. then he said he had made an error and the deposit he placed in my account should should have been {$1100.00}, he wanted me to go to a store and purchase XXXX {$100.00} gift cards and call him. My care giver was with me all this time and she said this was a scham. I should have listened but Pay Pal would never allow this unless it was in on it all the way. I was not able to buy XXXX cards, only two. All told I have been taken for {$200.00}. and hope this will detur anyone else from the same as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX sent a " late payment '' notice to Experian. XXXX and I worked the issue out. They sent the " notice to remove '' or retraction of the late payment to Experian on XX/XX/22 between midnight and XXXX a.m. according to XXXX and they have yet to remove it. It is IMPOSSIBLE to reach anyone at Experian to check status but an automated menu that does not offer an option for anything but your membership billing, etc. 
They are swift to put NEGATIVE on your report but very slow to update. This took my credit down almost 50 points and I want to refinance my house asap.

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 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I received notification in XXXX of XXXX that the debt was no longer owed due to the absuive tactics that the XXXX companies I will list below attempted in hopes of receiving money. 
In XXXX of XXXX the XXXX account was closed. Amount was decreased by {$980.00} XXXX then started receiving multiple calls per day before and after the XXXX and XXXX limit, threatening legal action from Comenity Bank Collectors. I submitted a claim last year against this agency and my disputed information was found accurate. 
In XX/XX/XXXX, the account was closed and the debt was removed from my report. 
In XX/XX/XXXX Comenity Bank sold the account to XXXX XXXX XXXX, I have received multiple phone calls again, tried to contact the number on the paper multiple times to ask why this debt is again being reported on my credit report. 
Now it has lowered my credit score and now there is a {$1000.00} amount on my report. 
I do not owe this debt, I have been harassed for over two years. I thought I had this taken care of with my previous dispute and accurate conclusion to that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have an account with Comenity Bank for a credit card at a chain store. I am a little past due with my payment and today I have received XXXX calls from them so far today. First call at XXXX second call at XXXX third call at XXXX fourth call at XXXX fifth call at XXXX. This is sheer harassment. I have answered their call and told them this was not a good time for me and I am being bombarded with phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2022 I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my Equifax score, with seven institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by Equifax and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to Equifax through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into Equifax to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that XXXX of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX ACCT # XXXX, XXXXXXXX XXXX  Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 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 2022-02-19 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX ACCT # XXXX, XXXX FI Account # XXXX In accordance with the Fair Credit Reporting act Convergent Account # XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX I had a dentist appointment. At this appointment it was determined that I was going to need major dental work performed. The cost of this work was over XXXX. I asked my dental office if they had any type of payment plans that would allow for monthly payments in lieu of having to pay all at XXXX time. The office manager took me in her office and gave me an ipad and told me that I could apply with Carecredit, apparently a subsidiary of Synchrony Bank. I filled out all the information, I had to take a picture of myself and upload a copy of my driver 's license.It kept rejecting the copy of my photo id and I had to reload it several times. When I thought it finally went through with a clear enough copy I got a message saying it could not complete. I then called the company to verify they had what they needed and was told that my application was denied and that I would receive a letter and they could not tell me why but they did get a satisfactory copy of my photo id. I have dealt with credit for the last 35 years ( XXXX XXXX XXXX in the Mortgage business ) my credit score is in the XXXX 's and I have very little debt. There is no way I should have been denied. On XX/XX/XXXX, I received an email with the following determination " Unfortunately, based on the results of these checks we are unable to confirm your identity with enough confidence to approve your application at this time. I am perplexed to determine exactly what this means. I called them this same day to ask exactly what this meant and what I could provide them for them to be able to approve my application. The person I initially talked to said she could only tell me that it was denied and nothing else and that there was nothing I could do to fix it. WHAT??? I asked for her supervisor as this was an unacceptable answer to me, that it couldn't be fixed. I then was transferred to a supervisor named XXXX and she reiterated the same thing. I then asked for her supervisor and was connected to an XXXX with the same results. During my conversations ( not sure which one said it as I spoke to 2 different supervisors ) they told me I could re-apply. I then went to their website and re-applied ( XX/XX/XXXX ) to see if I got a different outcome and received a XXXX denial for " prior application submitted too recently ''. Really, the supervisor didn't know this before telling me this. I think this is totally unacceptable and should have been able to provide me with what they needed to be able to approve my application. I have since had my dental work done and had to pay it in cash which I did not want to do. I am attaching both letters received.

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 2022-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: GA

Complaint narrative:
I inquired with interest in their services. Someone reached out. I uploaded personal documents to an application 12 days ago. I haven't heard from them or received a loan estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My granddaughter moved into a college apartment. I had to put that apartment in my name. She had some of her own furniture so the college apartment managers moved out a few items so that she could put her own furniture there. Now that she has moved out, they are trying to bill me more than {$400.00} for that furniture. When we tried to resolve it theres a different management company there and different people there so they dont want to hear what we have to say. Equifax has put miss information on my credit report. And they have me in collections. I have witness statements from the other people who stayed in the apartment that the management moved those items out of the room but they dont want to hear it. Equifax refuses to remove that information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Ivnv funding LLC for the amount XXXX I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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