vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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: GA

Complaint narrative:
Section 605b of the Fair Credit Reporting Act requires bureaus to block from display, all items received that are fraud : 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have disputed a number of items of fraud after my identity was stolen ... ALL these items remain on my file. They are as follows : 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 ( XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXXs ( XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
On the XXXX of XXXX I sent CMG mortgage a certified check for our mortgage payment. I sent it USPS certified mail with a tracking number. CMG received the payment on XXXX XXXX. I have a copy of all the paperwork. CMG claims to not have found the check and have done very little about it. They refuse to give us a direct line to call and continue to try and collect XXXX payment. We paid our mortgage for XXXX but even though there is an investigation and we have submitted all requested paperwork they have submitted claims of late payment to The credit bureau and we have late fees. Refuse to give us a timeframe for the resolution of this matter or any written or emailed document stating that they are in fact investigating it. 

We have faxed all this information to CMG and been calling regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: NM

Complaint narrative:
On XX/XX/2022, I sent Equifax a request to remove an unverifiable collection on my credit report. I have not received any response regarding the investigation. This is highly damaging to my credit report, and there is no creditor or collection agency listed so there is no way to validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: MA

Complaint narrative:
There are inquiries on my TransUnion, XXXX, and XXXX that are not open lines of credit - I request that the CRAs remove these inquires immediately.

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 2022-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I purchased furniture through the XXXX XXXX XXXX & they gave me a promotional no interest for 18 months payment plan. I have the payments on XXXX & have never been late. XX/XX/2022 my total closing statement balance was {$3300.00} & A payment was debited out of my account for {$500.00} taking the total balance to {$2800.00}. 

My XX/XX/2022 closing statement comes & I notice my total balance is still {$2800.00} they debit my account again for {$500.00}, Yet I notice a " Interest charge of {$3900.00} making my new balance $ {$6300.00}??? 

I called the Customer service line @ XXXX & speak with a Customer service Rep & she informs me that since my promotional 0 % interest had expired they were charging me the accrued interest on what the total purchase was at the time I took the account out {$14000.00}. 

We had a dispute about charging interest of paid balances and she basically said they would just report me to credit bureau and ruin my perfect credit score if i did not pay the accrued interest. 

I went to on line on XX/XX/2022 and paid the full balance of {$2800.00} and when i check the site this morning. they took all those funds and applied them to interest only none to principal. 

This seems to be a highly unethical business practice & charging {$3900.00} of interest on a total statement balance of {$28000.00} is an illegal business from what I read.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: PA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Account Number XXXX Affirm XX/XX/XXXX Account Number XXXX WayFair XX/XX/XXXX Account Number XXXX XXXX XX/XX/XXXX Account Number XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian 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 non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: KEYCORP
State: AZ

Complaint narrative:
I have had this loan from Key Bank since XXXX ( I believe ). It has been a constant problem with them applying my loan payments at different times and confusing late fees. At one point ( XXXX, XXXX ), I submitted a complaint and the agency that investigated found several payments that had not been posted. I recently paid off the loan and Key Bank attached unpaid " Late Fees '' of {$630.00} without verification. Key Bank also placed what they termed " Recoverable Corporate Advance Balance '' of {$1300.00} without any explanation of what this amount constituted. The list of payoff amounts ( including the ones just referenced ) was issued XX/XX/XXXX. The amount they requested was paid in full XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 I was notified by the XXXX XXXX XXXX and Identity Theft Department that Bureau of Medical Economics had filed a negative collection report against me with XXXX. I contacted and completed the XXXX fraud and identity theft documentation followed by emailing through this company 's website that they were falsely making judgment and negative claims against me. I went on to explain that this was an accident injury case that was in litigation and that all medical providers agreed to a medial lien in pursuit of my sons compensation from the insurance company of the defendant. Furthermore, our law firm contacted XXXX and told them they had 24 hours to remove the negative claim against their client or we would file a suit against their company. The attorney went on to explain that it is unlawful to begin with to file a negative claim as a third party citing the Consumer Fair Act and that once again, unless they remove this immediately they would be at risk for a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am inquiring about account numbers, which belong to my decreased brother. I am the beneficiary on these accounts. 
As of XX/XX/2022, I was told by representatives, I as the beneficiary could not close these accounts. I proceed to talk to the Regional Director and I was informed she would get back in contact with me regarding these accounts on XX/XX/2022. 
On XX/XX/2022, I have sent certified letters to the Chairman/CEO and President/COO. Could you please help me with this issue? 
As of today, XX/XX/2022, I need to know what's going with these 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 explanation
Consumer complaint received 2022-02-18 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: MA

Complaint narrative:
There are inquiries on my XXXX, XXXX, and Equifax that are not open lines of credit - I request that the CRAs remove these inquires immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: MA

Complaint narrative:
There are inquiries on my XXXX, Experian, and XXXX that are not open lines of credit - I request that the CRAs remove these inquires immediately.

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I mailed out a letter to Experian on XX/XX/2021 asking them to fix incorrect late payments. I haven't heard back from these two bureaus since I mailed out the letter. I provided documents with the payments on them to the bureaus showing I paid on time and they took no action. I have even previously asked them to verify with creditor that the payments I made were late to which I had no response. I want the payment regarding my XXXX account corrected to paid as agreed.

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 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Ive reached out to XXXX XXXX and my debt is paid but they will not remove it from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 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: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-02-18 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: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-02-18 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: FL

Complaint narrative:
These companies have accounts on my reports that is either not mine or inaccurate : 1. These inquiries were not authorized by me. I believe someone tried to use my name to fraudulently open credit card accounts. 
XXXX  XXXX  Date of inquiry : XX/XX/2022 Remove immediately and confirm in writing. 

2. This account was never paid late. I made an agreement with the lender and paid as agreed. These supposed late payments are also fall under the protection of The CARES ACT Regulation 5. 
XXXX Account Number : XXXX Please removed these inaccurate late payments from my account immediately and change to paid as agreed and confirm in writing. 

3. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

4. This account is inaccurate. The Date Last Active is prior to the Date Opened which is impossible along with other inaccuracies. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

5. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

6. This account is false and misleading. It is fraud on the part of the creditor. 
XXXX  XXXX  XXXX  XXXX. This doctor is charging me for services for braces that my child never received. 
Account Number : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

7. UNKNOWN. I believe this account to be fraudulent. 
XXXX XXXX XXXX  XXXX  XXXX  Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: IL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Movement Mortgage LLC
State: MO

Complaint narrative:
I was informed by my mortgage lender, Movement Mortgage in XX/XX/XXXX that my loan was in forbearance and that my spouse, XXXX XXXX, was considered a successor in interest on my mortgage. I had received no paperwork regarding these loan modifications, nor did i agree/apply to them. I am the sole person on the mortgage and the deed and title are both only in my name. I was notified that XXXX XXXX, has been listed as the primary contact on the account with phone number as his for primary contact of XXXX and email XXXX On XXXX I was told to call back to get any update on the investigation into the forbearance and successor items in question. 

I called back on XX/XX/XXXX to cancel the forbearance as I did not know the terms nor had I applied. I was then told to call back the following week to get more updates.. 

I called back XX/XX/XXXX and was told they would process my request for documents/supporting application materials for these request and could take up to XXXX weeks. 

I talked with the XXXX XXXX  XXXX XXXX, HUD # HUD XXXX, and talked with their office on XX/XX/XXXX about forbearance and contacting Movement regarding these discrepancies.

Company response to consumer: Closed with explanation