vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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: MD

Complaint narrative:
XXXX credit card services changed my method of billing delivery at some time in late XXXX. For more that 30 years my wife and I have received ONLY PAPER statements for the following : XXXX credit cards, XXXX automobile insurance premium, homeowners insurance, automobile loans, and checking account. At no time in those 30+ years have we ever requested or received an electronic billing statement. This specific credit card account often had no minimum payment due OR there was a zero balance. In early XX/XX/XXXX I received a notice from XXXX XXXX Credit Reporting company that my FICO score had dropped XXXX points ( XXXX to XXXX ). I immediately learned that XXXX had reported a past due of {$41.00}. I immediately spoke with XXXX and paid the full balance and filed a " dispute '' regarding this " past due ''. XXXX immediately refunded their late fee, and initiated the investigation. On XX/XX/XXXX I spoke for nearly an hour with a XXXX XXXX XXXX XXXX representative. That advocate informed me that she had completed all research on the matter and specifically stated that " we have no idea how this happened ''. Furthermore, she stated that " I have done all of the research and there is no process/procedure/facility to determine how, who, when or why this change was made to my account ''. Ten ( 10 ) days later, another representative from the XXXX group informed me that they were not going to correct the error on their delinquency report. And in complete contradiction to the earlier two conversations with XXXX that SHE had figured out that I requested a change in billing delivery to electronic on XX/XX/XXXX. The representative was unable and frankly unwilling to provide any documentary evidence that I had made or requested any change. XXXX could only assert that I was in my on-line account that day. Therefore, I must have made that keystroke change. This was an error that several XXXX representatives had already affirmed in several discussions.

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 2022-04-01 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: MD

Complaint narrative:
XXXX credit card services changed my method of billing delivery at some time in late XXXX. For more that 30 years my wife and I have received ONLY PAPER statements for the following : XXXX credit cards, XXXX automobile insurance premium, homeowners insurance, automobile loans, and checking account. At no time in those 30+ years have we ever requested or received an electronic billing statement. This specific credit card account often had no minimum payment due OR there was a zero balance. In early XX/XX/XXXX I received a notice from XXXX XXXX Credit Reporting company that my FICO score had dropped XXXX points ( XXXX to XXXX ). I immediately learned that XXXX had reported a past due of {$41.00}. I immediately spoke with XXXX and paid the full balance and filed a " dispute '' regarding this " past due ''. XXXX immediately refunded their late fee, and initiated the investigation. On XX/XX/XXXX I spoke for nearly an hour with a XXXX XXXX XXXX XXXX representative. That advocate informed me that she had completed all research on the matter and specifically stated that " we have no idea how this happened ''. Furthermore, she stated that " I have done all of the research and there is no process/procedure/facility to determine how, who, when or why this change was made to my account ''. Ten ( 10 ) days later, another representative from the XXXX group informed me that they were not going to correct the error on their delinquency report. And in complete contradiction to the earlier two conversations with XXXX that SHE had figured out that I requested a change in billing delivery to electronic on XX/XX/XXXX. The representative was unable and frankly unwilling to provide any documentary evidence that I had made or requested any change. XXXX could only assert that I was in my on-line account that day. Therefore, I must have made that keystroke change. This was an error that several XXXX representatives had already affirmed in several discussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: MD

Complaint narrative:
XXXX credit card services changed my method of billing delivery at some time in late XXXX. For more that 30 years my wife and I have received ONLY PAPER statements for the following : XXXX credit cards, XXXX automobile insurance premium, homeowners insurance, automobile loans, and checking account. At no time in those 30+ years have we ever requested or received an electronic billing statement. This specific credit card account often had no minimum payment due OR there was a zero balance. In early XX/XX/XXXX I received a notice from XXXX XXXX XXXX XXXX XXXX that my FICO score had dropped XXXX points ( XXXX to XXXX ). I immediately learned that XXXX had reported a past due of {$41.00}. I immediately spoke with XXXX and paid the full balance and filed a " dispute '' regarding this " past due ''. XXXX immediately refunded their late fee, and initiated the investigation. On XX/XX/XXXX I spoke for nearly an hour with a XXXX XXXX XXXX XXXX representative. That advocate informed me that she had completed all research on the matter and specifically stated that " we have no idea how this happened ''. Furthermore, she stated that " I have done all of the research and there is no process/procedure/facility to determine how, who, when or why this change was made to my account ''. Ten ( 10 ) days later, another representative from the XXXX group informed me that they were not going to correct the error on their delinquency report. And in complete contradiction to the earlier two conversations with XXXX  that SHE had figured out that I requested a change in billing delivery to electronic on XX/XX/XXXX. The representative was unable and frankly unwilling to provide any documentary evidence that I had made or requested any change. XXXX could only assert that I was in my on-line account that day. Therefore, I must have made that keystroke change. This was an error that several XXXX representatives had already affirmed in several discussions.

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 2022-04-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian 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 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 2022-04-01 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: IL

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 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.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX As a consumer by law these accounts must be updated or deleted 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 2022-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Over the past year, I've written to both Exeter Finance and XXXX collections, asking them to prove that they complied with Georgia state law. Neither has responded with any documentation. All XXXX could send was a statement. Not any of the 21 items I should've been provided according to state law. Therefore. Continuing to report the account by both companies is wrong! Continuing to attempt to collect the debt seems to be an FDCPA violation on XXXX XXXX part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: WA

Complaint narrative:
I have disputed XXXX XXXX XXXX numerous times and have also made a complaint about them specifically to you, on my credit report with XXXX it shows they removed them from my credit report only to let them add it again. So it was successfully disputed and then they added the same information all over again. 
As far as Experian goes I have disputed this debt of XXXX XXXX XXXX and they refuse to remove it knowing that this is an invalid debt and XXXX XXXX XXXX is illegally reporting false/invalid information to credit bureaus.

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 2022-04-01 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:
IN ACCORDANCE WITH FCRA XXXX, REPORTING AKA 'S AND ALIAS NAMES AND ADDRESSES UNDELIVERABLE TO ME, ARE VIOLATING MY RIGHTS. 

15 USC 1681 602A I HAVE A RIGHT TO PRIVACY 15 USC 1681 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNTS WITHOUT WRITTEN INSTRUCTIONS. 

NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2022 I hand wrote a dispute letter to Transunion to validate several accounts on my credit report. The letter was mailed certified on XX/XX/2022 and received by an individual on XX/XX/2022. On XX/XX/2022 I received a letter from Transunion stating they would not process my dispute because it appeared to have not directly come from me, and indeed it was me. I sent another letter certified mail stating i did request account validations and on XX/XX/2022 I called Transunion to confirm I was the individual that sent the dispute letter and request that they process the letter that was received by certified mail. The agent refused to confirm they still had my letter on file and to process it. I was told he would only do the dispute by phone. I would like my original request for debt validation to be processed

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 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I called Citi Financial for my XXXX Best Buy credit card to increase my limit an additional XXXX after doing so online requested me to call. I was told on the phone the number they have doesn't match XXXX and I need to call them. I advised that my phone number has been the same for years and the same one used when I first signed up for the account. I checked XXXX and they have the right phone number. I asked to speak to a supervisor and was hung up on. I called back and spoke to a supervisor and waited on hold over an hour after that to speak to someone in Consumer Protection. I advised I have an initial fraud warning with the bureau 's but all that needs to be done is my identify verified ( according to the XXXX XXXX ). They verified my identity by asking for a code that was texted to the number they said did not match. I was then transferred back to a representative to continue with the increase request. The increase request was again denied due to having a phone number that doesn't match and requested I contact XXXX after already having verified the number is right. I was explicitly told the second time that my credit is not being pulled which was incorrect as it was according to XXXX and the fact that Citi said the number did not match again. They claim this was done via the online request but was not given an opportunity to authorize any such credit inquiry. They are in violation of FCRA at this point.

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 2022-04-01 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a XXXX  complaint against this creditor as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: ME

Complaint narrative:
I paid the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.

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 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Mortgage was being serviced by prior servicer and my payment amount was {$2600.00} ( P & I {$1900.00} esc {$690.00} ) my loan then transferred to Wells Fargo on XX/XX/XXXX. 
An XXXX was not ran until XX/XX/XXXX indicating my payment amount was increasing to {$3100.00} ( XXXX XXXX XXXX XXXX$1900.00} XXXX {$1100.00} ) a difference of {$450.00} and reflecting a shortage of {$3100.00} which is a significant different causing a financial hardship. 
I then received another XXXX ran XX/XX/XXXX indicating my payment amount was decreasing to {$3000.00} ( XXXX XXXX XXXX  {$1900.00} XXXX {$1000.00} ) a difference of {$71.00} and reflecting a shortage of {$2300.00}. 
A billing statement was then sent to me XX/XX/XXXX reflecting an escrow balance of {$3000.00} the next billing statement was sent XX/XX/XXXX reflecting an escrow balance of {$4200.00}. 
I called and spoke with Wells Fargo on XX/XX/XXXX and spoke to a lady named XXXX. She advised the increase of payment was due to the taxes which were {$4100.00} and increasing to {$4700.00}. Which a {$600.00} increase does not call for that much of a shortage. she also advised the XXXX was also collecting for a shortage from the prior servicer which Im assuming is from about XXXX years ago since my loan just originated in XXXX. Wells offered to do a escrow shortage spread of 24 months making the payment total {$2900.00} which I denied. 
Per CFPB guidelines and from my experience an XXXX should have been ran within 60 days of XXXX acquiring the account. Whatever the amount of that shortage was prior to XXXX would have been caught at the time of the XXXX and not creating so much of a hardship now. Since this was not completed it has doubled the escrow portion of my mortgage payment. 
I also noticed there was a 2 month cushion included in the XXXX. Why is there 2 months and just not 1 month? I also did the math ( below chart ) with the current escrow balances and at the rate we are going I will have an escrow balance of {$13000.00} in the account when disbursements total XXXX {$10000.00} per the XXXX leaving an escrow balance XXXX {$2800.00}. When another XXXX is ran in XX/XX/XXXX the escrow balance will be {$5100.00}. which would then be refunded as a surplus. 
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 These miscalculations which there was an error since an XXXX was ran months apart from each other and the failure to run an XXXX within 60 days of acquiring my account has led to financial hardships with a large increase in my payment.

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 2022-04-01 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-04-01 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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