vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I keep getting calls from Comenity bank, but I do not have any outstanding debts with comenity bank, or any missed payments. They call from multiple numbers including No Caller ID numbers, maybe 20-30 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I tendered a payment in the form of a negotiable instrument to the CFO XXXX XXXX in the amount of {$180000.00} dated XX/XX/2023 via certified mail # XXXX received XX/XX/2023. I also remitted another negotiable instrument to their remittance department the same time I sent the first to the CFO, also did not receive acknowledgment or receipt of my payment. I followed the laws according to FL Statute Chapter 673 when tendering the negotiable instrument. I did not receive it back, receive credit to my account or received notice that my instrument was incomplete. I instructed him to write me a letter within 5 days of delivery and he failed to do so 3 times now. Pennymac has now filed a lawsuit in the courts on XX/XX/2023 despite being paid in full. I have also made a complaint to the OCC and attorney general in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In search for an apartment on XXXX. I reached out to the ad and the person reached out to me through text but then a link was sent to me for background check and credit reporting. I entered my social and some personal info along with my bank account info and then when I tried to login to the site again I was unable to. I haven't heard back from the person since. This is definitely a scam

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: DISCOVER BANK
State: IN

Complaint narrative:
The customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: Thaxton Investment Corporation
State: IN

Complaint narrative:
The customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was an authorized user on a credit card account from BARCLAYS which has been closed since XXXX. I reach out to BARCLAYS in XX/XX/XXXX asking them to remove this account from my credit because it has been leaving a negative impact on my credit, they sent me a letter on XXXX stating if I would like to be removed as an authorized user give them a call, which I've been trying to do up until this date but I've been unsuccessful

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report with Equifax to remove an delete all inaccurate information that is hurting my credit report. looking over my file its alot that needs to be corrected. delete all invalid information to correct my credit report 100 % asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: GA

Complaint narrative:
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 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 2023-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC.
State: FL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a dispute to the 3 credit companies threw XXXX XXXX. I was a victim of identity theft. I have addresses I was not associated with on my credit profile places of employment, collection accounts, and bank accounts all that were not associated with me. I have provided all the paper work and proper documentation and legal information pertaining to my situation and how its affected my credit from fraudulent. Once the disputes were all finalized the addresses and fraudulent accounts were removed and put my credit score to XXXX. XXXX and Transunion removed some of the fraudulent accounts but left some and etc. Im sending the proper dispute to have these items that were not related to me removed and COMPLETELY fixed this has ruined me financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank Checking Account Transactions- all dated XX/XX/XXXX ; listed in order : {$890.00} - direct deposit {$370.00} - XXXX  transfer {$280.00} - XXXX transfer {$36.00}. - overdraft fee {$20.00} - ATM withdrawal {$36.00}. - Overdraft fee {$120.00} - ATM withdrawal {$36.00} - Overdraft fee The direct deposit covered every transaction i completed ; I should not have been charged overdrafts. Truist will not remove because only two every two years ; same problem twice before and no more courtesy removals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TX

Complaint narrative:
This is response to complaint XXXX. Equifax has been sending this same stall response for the last 2 months. I do not believe an investigation was done. Why have you sent me a statement that the creditors have verified my accounts? You've failed to send me any documentation that verifies this and I've also called and was told that there was never an investigation. Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request. It has been well over 15 days which means that you are in violation of the FCRA. To avoid further action, please forward to me a description of the procedure taken in order to determine the accuracy of these accounts, including but limited to, the name of the creditor, along with their address and phone number. Also, I want to know who you spoke with and on what date. Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account XXXX XXXX XXXX is incorrect and the late payment in XX/XX/2022 should be deleted because I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have disputed on my credit reports and even contacted the original creditor and I was informed it was done online but couldn't give me any information on a fraudulent online payday loan from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. 4 days you have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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:
I recently requested an investigation to verify the accuracy of a two account on XX/XX/XXXX. XXXX investigated the account and found XXXX XXXX it to be inaccurate, unverifiable, or incomplete. The result was the removal of that account. XXXX XXXX has not provided any debt validation as required under the fcra. Under the FCRA, all information found to be on verifiable or incomplete, must be share with all three major credit bureaus, because they are supposed to be the same on each report. I have continuously sent a copy of the deleted item from XXXX to Experian, but they refused to remove the account, even though under the FCRA, they are supposed to. Please see The following account below. 

XXXX XXXX # XXXX DELETED BY XXXX XXXX XXXX # XXXX Debt validation never provided

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TX

Complaint narrative:
TransUnion is in violation of the FCRA, pursuant to 15 USC 1681a ( 2 ) ( I ) ; the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. TransUnion is in violation of this federal law by publicly reporting late payments and charge offs transactional activity between myself, the consumer, and the current or previous opposing transacting party. These transactions are listed as Exclusions under the FCRA and lawfully should not be included on my consumer 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 2023-04-27 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/00 Balance : {$86000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Kinum, Inc., Indianapolis, IN Branch
State: NC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete all inaccurate information that isnhurting my file with experian. looking over the report alot of data has been invalid and caused alot of denials due to mislead information. please review an delete all listed items asap to help clean my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried XXXX times to update my address with Equifax so my lender can view my credit report. I must have called Equifax and spoken to agents regarding this matter about dozen times in the last month. They have instructed me that the problem is that they do not have my current address only my old. So, they inform me, the only way to remedy the situation is to fax them my old address and new address along with new lease agreement along with other documentation. I have faxed Equifax this information on two separate occasions, at the cost of me spending approximately XXXX dollars in gas and fax fees, as I live in the XXXX XXXX, a good distance away from any establishment with a fax machine. Equifax told me last week they received the fax. This week they tell me they haven't received any of the faxes! They informed me of this after I told the lender it was okay to pull my credit again. He tried and it didn't work. 

Now again Equifax is requiring that I send the information, this time via snail mail. You know I have already faxed them two times. I believe they are so massively disorganized they will probably lose my letter/documents again because they have such an excellent track record of losing these things. This is of great concern to me, although I will send the letter/documents again. With rapidly rising interest rates, Equifax 's sheer incompetence is probably costing me hundreds of dollars as we speak ( or type. ) This is ridiculous. 

The last fax was sent off on XX/XX/2023 at XXXX XXXX. 

I simply want my lender to be able to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
XX/XX/XXXX SPS Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas  XXXX # XXXX Per your letter dated XX/XX/XXXX, the enclose statements is my reply. Pursuant to RESPA The wording in this loan document states that the escrow will be the primary and only source of information that directs actions of this mortgage escrow. Which means the RESPA can not give you Lender the right to collect a two-month escrow cushion. The Texas Home Equity Security Instrument dated signed on XX/XX/XXXX Section Funds for Taxes and Insurance does not grant you Lender the right to collect an escrow cushion. And also states that Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. The current Escrow shortage balance is {$13000.00}. And as directed by the loan documentation section XXXX Funds for Taxes and Insurance the escrow payment will be paid in XXXX equal payments of {$1100.00}. Starting with monthly mortgage payments beginning XX/XX/XXXX which will include the following payments. 1 ) Principle & Interest payments plus 2 ) Escrow payment XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation