vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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: TX

Complaint narrative:
Under the fair creditors act. Any accounts ( inquiries ) posted to my credit report without my consent. Should be removed! 

These are the unauthorized inquiries below : 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 explanation
Consumer complaint received 2023-07-24 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: NC

Complaint narrative:
XXXX XXXX XXXX has been paid as of XX/XX/22. 

The account is still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
When our mother died suddenly and unexpectedly last XXXX, I began communicating with her reverse mortgage servicing company, PHH, about our desire to keep the property. I had already been told, by persons knowledgeable about reverse mortgages as well as PHH customer service reps, that extensions were available to heirs to be able to market the property OR obtain funds needed for the payoff. They mentioned 90 day marketing extensions as well as two six-month extensions that were pretty much the norm for anyone. BUT, it took almost six months just to be able to actually make the request. In XXXX, I was finally granted a six month extension and was informed that if I wanted a second one, I simply needed to request it via email a week before the first one expired. I followed her directions to the letter. 

When I requested the second extension ( in XXXX ) I was told no more extensions were possible because the extension we had was a covid extension and that those were lifted in XXXX. I do not recall being told by anyone I ever spoke to that covid extensions were the only ones I could get and had no warning that they were going to be lifted. If I understood correctly, the 90 day marketing extension had already run concurrently. I was then told that the next thing to happen would be notification of foreclosure sale. No way of knowing when. 

From XXXX through XXXX of last year, I was consistently given confusing, conflicting information or was told something new that I should have been told before. And nobody seemed to be able to explain why. And of course I never talked to the same person twice, which I understand, but six months of piecemeal information and constant confusion should NOT be the norm. It did not help that the reverse mortgage servicing companies themselves changed several times. The last CSR I spoke to apologized for the misinformation I had 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 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
They are harassing me requesting a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC
State: MD

Complaint narrative:
Im in the process of process a loan modification and the servicer ( Veterans United ) continues to employ delay tactics to finalize my process. Ive been asked to submit the same document ( XXXX and XXXX back statement showing paid rent on another property ) 5 times, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, and each time Im told that the rep has verified the information. I suspect the delay rate is because of the interest rate. 

Today, XX/XX/2023, I was told to wait until my XXXX statement is posted in order to process the request again. Im told that the XXXX statement is now, and how convenient, is expired. 

I find it ridiculous and irresponsible for Veterans United to continue to employe these delay tactics.

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 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I dispute the inaccurate reporting status on an individual closed XXXX XXXX account, which is adversely affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off or Written Off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misrepresenting my credit history and causing harm to my creditworthiness. I want to emphasize that the closed account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is essential for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of this closed individual XXXX XXXX account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off.I do appreciate your attention to this matter and look forward to a timely resolution. If you require any further information or clarification, please feel free to contact me. 
Thank you for your prompt action in resolving this dispute.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I dispute the inaccurate reporting status on an individual closed XXXX XXXX account, which is adversely affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off or Written Off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misrepresenting my credit history and causing harm to my creditworthiness. I want to emphasize that the closed account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is essential for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of this closed individual XXXX XXXX account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off.I do appreciate your attention to this matter and look forward to a timely resolution. If you require any further information or clarification, please feel free to contact me. 
Thank you for your prompt action in resolving this dispute.

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 2023-07-24 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX account name is XXXX 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 a 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 explanation
Consumer complaint received 2023-07-24 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

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 2023-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Accounts & Advisers, Inc.
State: IN

Complaint narrative:
I had gotten a bill collection letter in the mail today, from physical therapy, filed in XX/XX/2023, file XXXX XXXXXXXX Well I do not owe any amount for my therapy appointments, every time I went in I did the right thing and asked how much I owe and my answer was nothing, it shows you owe nothing, so how am I getting sued for not owing anything? I havent even gotten a so called bill for this and Im angry, I did the right thing and now they say I owe them all this money, no, no I dont

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I have sent several request to the credit bureau and have not received a response. This is not my debt. This is a credit error. Its affecting my credit and I have been denied a home loan. Please assist in removing this credit error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: AL

Complaint narrative:
On XX/XX/2023 I sent out dispute letters to all credit bureaus : XXXX, XXXX, and Transunion. I have not received any update on the investigation. It has been 32 days since they were sent out and I have not received any updates.

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 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This concerns the Wells Fargo Class Action Settlement. We believe that Wells Fargo padded are existing second mortgage/HELOC by XXXX. We had them investigate and they could not explain where the amount originated. 

We have since refinanced and had to pay Wells Fargo that additional phantom balance. 
We believe that Wells Fargo took advantage of us during the 2008 re-modification era.

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 2023-07-25 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: NJ

Complaint narrative:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2023-07-24 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

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 2023-07-24 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I received my XXXX XXXX ( Comenity Bank ) bill for {$24.00}. I scheduled a payment through my banks online payment system for this amount for XX/XX/XXXX. 

In XXXX XXXX, my bank notified me that Comenity had rejected my payment. At about the same time, I received my XXXX XXXX XXXX XXXX, for {$51.00} the past due balance of {$24.00}, plus a late fee and interest of {$26.00}. 

I determined that the reason for the payment rejection was that I had not updated the XXXX XXXX account number in my online bill paying system ( XXXX XXXX had closed my previous account and opened a new one ). On XX/XX/XXXX, I paid the past due amount of {$24.00} through Comenitys web site. 

On XX/XX/XXXX, I sent a request through Comenity 's web site that they issue a credit for the {$26.00} in fees, explaining what happened and that I had made a good-faith effort to pay on time. On the same day, Comenity agreed to investigate, and stated, Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. 

Over the next 5 months, each XXXX XXXX bill I received continued to add on late fees and interest. In XXXX, the interest and late fees increased. I regularly inquired as to the progress of their investigation. On XX/XX/XXXX, in response to another inquiry from me, Comenity responded, in part, Once the dispute is completed all the necessary late fee and finance charges will be credited and also the payment history will also be rectified based on the results of the dispute. Once it is completed you will be notified by US Mail. I appreciate your patience in this regard. 

I received a letter dated XX/XX/XXXX, stating my account had been credited {$24.00}. Based on this, and because the dispute was now closed, I assumed all the necessary late fee and finance charges will be credited and also the payment history will also be rectified, as promised. 

On XX/XX/XXXX, I discovered that Comenity had reported me as delinquent to credit reporting bureaus. My XXXX bill showed no credits for either the promised {$24.00} or the late fees/finance charges. My credit score dropped 100 points, and other store-branded credit cards ( from Comenity ) have been restricted. I immediately submitted a dispute for the entire balance, and on XX/XX/XXXX, I received a letter from Comenity stating they were investigating. 

My XXXX bill showed no credits, only additional fees, with a balance due of {$320.00}. I received an email on XX/XX/XXXX, stating that Comenity had closed my account and sold it to XXXX XXXX XXXX XXXX XXXX, for collection. I can no longer access my account online, nor communicate with Comenity. 

It appears clear to me that Comenity has failed to follow its own process for handling disputes, and perhaps even credit regulations. I ask for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, account name XXXX XXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
MY OLD BANKRUPTCY IS STILL SHOWING ON MY CREDIT FILE, AND WOULD LIKE IT REMOVED.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
MY OLD BANKRUPTCY IS STILL SHOWING ON MY CREDIT FILE, AND WOULD LIKE IT REMOVED.

Company response to consumer: Closed with explanation