vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX and transunion are reporting inaccurate information on a childsupport case that is XXXX ( XXXX  ) years old and should not be reporting on my credit report.I would like the inaccurate information removed from my credit file.i have been denied credit for this. I have filed at least 30 disputes and nothing has changed..I also sent in a certificate payment history statement from Florida XXXX and still nothing has changed.I my FCRA reports have been repeatedly VIOLATED.

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 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I been trying to access my chine account for a week..I sent in all the requested information..and explained to them that I would get fired from my place of employment if I continue to miss days and a week later still no access to my account..im now unemployed and still can't access my account or my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
the charge off my XXXX XXXX account in experian shows as XX/XX/XXXX while the XXXX account history should be XX/XX/XXXX .I have complained and dispute almost 6 times but never fixed by experian.This has caused be denial in home loans and also higher intrest rates for cars and denial of credit card

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 2022-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I XXXX XXXX asking Comenity Bank for VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is contiuously harrassing and getting accounts wrong. They are saying that I owe a debt that not only has been paid but also others that are beyond 7 years old and somehow are only showing on my report in the last year. 

There are 11 derogatory marks on my credit report 9 of which are coming from midland and all have been " bought in the last two years '' for older accounts than 7 years ago. They have threatened legal action, call at all hours, mail harrassing letters, and when contacted threaten further. I am also being contacted through email as well. 

This has to stop. They have to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX violated my rights under credit fair act on XX/XX/2019. I mailed them supporting documents that the information that was reported was inaccurate 15 U.S.C 1681 section 602. A. States. I have the right to privacy.

15 U.S.C 1681 section 604.. 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 2022-07-18 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: LA

Complaint narrative:
I looked at my credit report and noticed some inquiries that I do not recognize or authorize. These items are not mine and they are pulling down my credit score making it very difficult to obtain new credit. I will list them down below : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have also filed a ID theft report that I will be attaching to this complaint.

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 2022-07-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I looked at my credit report and noticed some inquiries that I do not recognize or authorize. These items are not mine and they are pulling down my credit score making it very difficult to obtain new credit. I will list them down below : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have also filed a ID theft report that I will be attaching to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have had a continuing problem with Experian not supplying credit information to banks and companies when I have tried to open bank accounts and credit accounts. They say they have no information about me. This problem has been going on for years and Experian has not been responsive to my many attempts to correct it. I have been rejected for accounts at XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and most recently for a credit card processing account. This has taken so much of my time in the past that I have simply given up. I have even sent them copies of my credit reports from other credit bureaus, including a 112-page report from XXXX that showed over 38 years of credit history. Now it is affecting my ability to operate my small business so it is imperative that Experian correct the problem.

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 2022-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Have had a home depot card since about XXXX during. I have not made any purchases on the card in years. on XX/XX/XXXX a purchase was made in XXXX tx. I live in a city XXXX miles away. They claim ID was presented at time of the purchase. I have no way to verify if one was or was not presented. They are denying my fraud claim and have kept me in limbo for over a month. During this time they constantly call me trying to collect the debt. 
I have an XXXX credit score. I have made over XXXX dollars in purchases at home depot alone this year on my discover card. My balance on the discover card is paid monthly. I do not skip out on payments. The charge in dispute was for about XXXX dollars and has since matured into a XXXX dollar bill with late fees. They continue to charge me. I have XXXX XXXX and have opened a case. This involves me making a police report, getting several papers notarized and has taken quite a bit of time. I should not be responsible for a charge that i did not make.

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 monetary relief
Consumer complaint received 2022-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 


Late payments with Capital One credit card : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: AZ

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$3000.00}

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 non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
At the time my loan originated we owned less than 20 % equity and agreed to pay PMI. The company claims to have a process to cancel PMI sold the LTV ratio meet 20 %. After weeks of going through their steps, Dovenmuehle charged me to have an appraiser come to my home. His report showed that I own 42 % equity in the home. Dovenmuehle has refused to cancel PMI and is now asking me to restart the request process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
decided to proceed. He pulled up XXXX pay as my method, so I tried to pay that way. I was wondering why he was reverting to other payment methods rather than what is on the product screen, but I tried it his way anyways. When that didn't work, he gave me recommendations that he uses. Once of which was Zelle. It didnt register with me yet that I would have no way of getting a refund if he didnt actually go through with shipping it, so I went ahead and completed it that way. Once it was paid for in the amount of {$440.00}, he was still responding and assured me that it would be sent. But after a couple of hours I knew that I had made a big mistake because he immediately marked the product as available again on the product page. And then the following day he stopped responding all together. 2 hours after making the purchase I filed a claim to my bank, which was denied today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: AZ

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$62.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed XXXX {$3000.00}

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 non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I was offered a modification from Village Capital. I began to pay the trial modification payments. The trial was to end XXXX, XXXX. I have continued to pay the trial plan. My loan began with Village Capital, transferred to XXXX and transferred back to Village Financial XXXX. Since the trial period ended I have continued to pay the trial payments. I have called multiple times to ask for the agreement in writing as I was paying and had no written agreement in place. They continuously advised that I continue paying and the paperwork would be generated. Today I received a letter stating I have to reinstate over {$15000.00}. I then called and asked for an email where I could sent a research request to figure out where my money had went. I called twice and each time was given a different email address for the request. XXXX and XXXX. Both emails came back undeliverable. At this point, Village Capital will not even tell me what is going on. The email I tried to send is below : o Whom It May Concern, Please accept this as a written request for information. We are concerned about the adherence to the Truth in Lending Act, Fair Debt Collection Practices Act and the Coronavirus Aid Relief and Economic Security Act. If we do not receive the following answers, we will have no choice but to report this to the Consumer Financial Protection Bureau. Please see timeline and questions below : In XXXX, XXXX XXXX XXXX 's file was with Village Capital and he was approved for a loan modification ( please see attached ). Since this approval XXXX XXXX has paid every month the trial payment. 
Since the trial plan was offered the servicing of this loan has transferred from Village Capital to XXXX to Village Capital, XXXX. We will need to see where all payments have been applied, which entity collected payment and how the payments have been transferred to each servicer. 
XXXX XXXX has now made 8 modification payments ; we still do not have any paperwork with a written agreement. We have requested the agreement multiple times and have been unable to get anything in writing. 

Please advise as to the status of the modification documents and a transaction history for this file from XX/XX/XXXX to present day ( XX/XX/XXXX ). We believe enough time has passed with XXXX XXXX making payments based on verbal communication. We look forward to your response within the next 30 days or we will be forced to involve the CFPB. Thank you. 

Please help me. Village Capital has been collecting payment for 8 months and is now saying it was not received. They have refused to send me any paperwork for the past 5 months. I have tried to work with Village but they will not give me an accurate email address and ignores my verbal requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: NJ

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: AZ

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
There is two current issues with this XXXX XXXX mortagage company. First there are reporting I owe them XXXX to the credit bureaus I do not owe them this amount I owe less. This has affected my credit. Second issue is they are trying to force escrows on my mortgage account and trying to charge me for taxes that I already paid myself I sent them the receipt.This is predatory lending practice.

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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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:
Company in Question : Transunion I do not wish for my Transunion File Number to be posted publicly, so I can provide that information separate from this initial complaint. Please call or email to obtain that information if needed in order to reference the call and complaint information. 

I have made several attempts since XX/XX/2018 to have inaccurate and unsupported collections removed from my Credit Report. I have tried to access my full report from all 3 bureaus via Annual Credit Report. Transunion has made it nearly impossible for me to access my full report and have disputed charges properly investigated and removed. During another attempt to resolve this ongoing issue, I called Transunion and spoke to a man who claimed he was a " customer service supervisor '' and his name was " XXXX XXXX ''. The number I called was XXXX at XXXX p.m. XXXX. The call lasted XXXX hour and XXXX minutes. The entire conversation was a joke to this individual. XXXX minute he claimed to have a record of my past disputes and confirmed the collection agencies " investigated '' did NOT provide supporting documentation within 30 days as requested. Then, the next minute, he denied that I ever filed previous disputes. I could hear laughing in the background and he talked to me like I was a child. Per the FCRA, these disputes should have been thoroughly investigated and removed my from credit report 2 years ago. The Transunion rep was disturbingly ignorant of U.S. law pertaining to the FCRA. I want the call pulled/fully reviewed. If the aforementioned call doesn't last XXXX hour and XXXX minutes, it has been edited and " doctored '' by Transunion in another cover-up attempt. I have been denied a car loan, a credit increase, and a home loan due to Transunion. I want full compensation and my credit report fixed immediately. This man should be fired as well. Our conversation was nothing but a sick game to him. He thoroughly enjoyed being disrespectful to me and hearing my frustration. This is my life we're talking about! My future! My children 's future and safety of a home. This is very serious! This is NOT a game!

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