vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i have contacted the 3 credit bureaus XXXX, experian, XXXX by phone numerous times last month in XXXX, XXXX, and XXXX of 2022 and asked them to remove several addresses that are not my addresses i even tried requesting they remove them on line also, and i also have let them know i have the right to privacy ( 15 usc 1681 ) and to have accurate information reporting they are violating so many laws and denying me my rights

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 2022-11-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX corrected the lates on their end, but said I had to go through this process to update the information with the credit reporting bureau 's

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 2022-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
This is a fraudulent account, opened by someone who stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-07 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-07 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I received a letter from XXXX XXXX  that a XXXX credit product was denied because they were unable to verify personal guarantor 's identity. 

This request was submitted fraudulently. I proceeded to check my credit reports and found XXXX unauthorized fraudulent inquiries made by XXXX XXXX XXXX XXXX on XX/XX/2022 listed on both my XXXX and TransUnion Credit Reports credit reports. 

I have notified XXXX XXXX XXXX XXXX and the case # is XXXX. 
I have submitted Fraud Alerts to both XXXX and TransUnion.

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 2022-11-07 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2022 I received a letter from Synchrony Bank that a XXXX credit product was denied because they were unable to verify personal guarantor 's identity. 

This request was submitted fraudulently. I proceeded to check my credit reports and found XXXX unauthorized fraudulent inquiries made by Synchrony XXXX XXXX XXXX on XX/XX/2022 listed on both my XXXX and XXXX Credit Reports credit reports. 

I have notified XXXX XXXX XXXX XXXX and the case # is XXXX. 
I have submitted Fraud Alerts to both XXXX and 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 2022-11-07 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: CA

Complaint narrative:
On XX/XX/2022 I received a letter from XXXX Bank that a XXXX credit product was denied because they were unable to verify personal guarantor 's identity. 

This request was submitted fraudulently. I proceeded to check my credit reports and found XXXX unauthorized fraudulent inquiries made by XXXX XXXX XXXX XXXX on XX/XX/2022 listed on both my Experian and XXXX XXXX Reports credit reports. 

I have notified XXXX XXXX XXXX XXXX and the case # is XXXX. 
I have submitted Fraud Alerts to both Experian and 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 2022-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Please refer to the two letters my attorney sent to creditors regarding Account # XXXX. I am a victim of identity theft and fraud. I notified Customer Service but I am still receiving statements and collection demands. My credit has also been affected.

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 2022-11-07 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: GA

Complaint narrative:
Hello, These accounts on y credit report aren't accurate. I don't recognize any.

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 2022-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I had a XXXX hardship and requested a deferral. After 6 months I was contacted and informed I would have to pay back the deferral amount in 6 months which was a surprise to me as I had skipped 6, so it didnt seem that th defer all for Covid was providing any real financial relief, only moving the stress / financial burden to a later period of time. 

Later I called back and another person let me know I could apply to have the payment split over 12 months which seemed more reasonable. As the payment continues to pile up I chose to make a payment online, the online option only allowed me to pay $ XXXX which is more than 2x my normal payment. 

I called back a 3rd time after making this payment and was then told the loan payment would be added to he end of my loan. This was a more ideal solution and I wonder stood it to be the likely scenario even though this as the third different scenario tat was explained to me. 

Shortly p After I got a letter stating I would indeed have to pay $ XXXX per month. Apparently this letter was drafted after I made the payment so I assume that would be deducted. Or modified at some point. 

I called back a 4th time as I was frustrated I was being led in circles and being given inaccurate information. They then said I needed to request a deferral to add the payments to the end of the loan but then said I could go back into forbearance which is not what I want. I want a reasonable way to pay back the money I owe. 

The company seems to have a lack of training and understanding in how to process these loan reinstatements. They are defaulting to predatory lending behaviors and given out misinformation as most consumers will likely give up. 

After a 4th call I then was to, d I had to apply for a deferral, which had clearly already been discussed or asked about previously but I was told it was not an available option for me.

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 2022-11-07 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: CA

Complaint narrative:
XX/XX/2022 Called XXXX to understand what they are referencing when they say too many accounts open, too short a credit history and late payments. None of that is true. 
What I was told when i pressed the agent about how many is too many accounts and believe it or not she said 'my understanding of too many is more than one '. I remain flabbergasted one day later. These folks sit in judgment and clearly enjoy having this control over the general public. 
XX/XX/2022 Called XXXX, had a much better experience and they explained that i had a {$120.00} balance due with XXXXXXXX XXXX. I explained what happened ( wire transfer didn't go through as planned ) and the agent was understanding and said she would note the reason. I asked about all the other derogatory information such as too many accounts open and not enough credit history, she was far less able to answer these inquiries but offered to send me via mail my credit report. 
saved the most egregious for last : TransUnion. You would not believe what I heard from their expert. XXXX claimed she was the manager. She told me point blank, " we are not experts ''. I am appalled. They are reporting on very sensitive financial documents that directly impact my credit worthiness and directly impacts my new mortgage. This is truly a travesty. This system does not work and needs an overhaul. I don't say this lightly, I feel victimized.

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 2022-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I closed my account with children place /comenity bank in early 2021 I had a XXXX balance with them. They charged me interest and late fees on a account that was supposed to be closed. Its now been almost 2 years and I have a XXXX + balance on a card that I havent made a purchase on. I talked to customer service and they didnt want to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with each bureau on XX/XX/XXXX2022 and on XX/XX/XXXX2022 and they did not remove the items. 

Sec. 602 States I have a right to privacy, XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
it says according to my credit report that my balance has not been paid off., My balance has been paid off in XXXX for XXXX and is still showing. I am requesting the company to remove it immediately and show that my balance has been paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: OK

Complaint narrative:
Rent recovery solutions has violated me pursuant to the FDCPA. 
Rent recovery solutions needs to stop illegal reporting negative activity to ALL consumer reporting agencies. 
I have asked Rent recovery solution to stop ALL communication through medium only via mail. Also including reporting to the consumer reporting agencies and they are still doing so Ive attached the letter ( Exhibit A ) and have their response attached. I never asked for any documentations, I demand per title 15 USC 1692 ( c ) ( c ) them to stop all communication to ANY mediums!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: IN

Complaint narrative:
XXXX XXXX  disputed accuracy XXXX times and advised these accounts were in bankruptcy but you refuse to made them correct

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 2022-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
As of XX/XX/XXXX my mortgage was sold to BSI Financial while I was on a 6 month forbearance plan due to XXXX. As of XXXX  Ive been making on time and in full monthly mortgage payments to BSI Financial from the same checking account. In XXXX of this year, BSI Financial sent me loan modification paperwork stating that the 6 months worth of mortgage payments would be sent to the back of the home loan, and to continue to make my monthly mortgage payments. BSI Financial has been taking my payments as per my mortgage agreement from the same account since XX/XX/XXXX. As of XXXX my account isnt updated and BSI Financial reported those 6 months ( 180 days ) of payments delinquent to the credit bureaus which has negatively effected my credit score. There has been no movement or action taken place by BSI Financial to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-07 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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:
I called XX/XX/2022 to have some false information taken off of my report and this company refuses to remove these inaccurate closed accounts and inquiries from my report. I am also currently taking action for a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: CA

Complaint narrative:
Experian concluded the investigation on XX/XX/2022 and on XX/XX/2022, I called them and stated they validated the information with the below creditor wihout any proper validated proof information. When I asked regarding the law and how it applies to me, and my privacy, they stated they did not follow the law, and they went by the creditor only! They stated they can not do anything else and it was just up to me, which I have send several letters to the below creditor and experian and they refused to do provide validated informaiton. 

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681 1. 

XXXX XXXX XXXX  # XXXX Has violated my rights 2.XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights XXXX. 
XXXX XXXX XXXX # XXXXhas violated my rights 15 U.S. Code 1 681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge. 15 U.S. Code 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-11-07 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: GA

Complaint narrative:
Hello, These accounts on y credit report aren't accurate. I don't recognize any.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, These accounts on y credit report aren't accurate. I don't recognize any.

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 2022-11-07 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: TX

Complaint narrative:
I AM XXXX XXXX I HAVE SENT MULTIPLE LETTERS TO THE BUREAUS BUT I DO NOT RECEIVE A RESPONSE. SOMEONE TOLD ME THAT THEY ARE SHREDDING LETTERS THAT THEY THINK IS FROM A THIRD PARTY. HOW CAN THEY DETERMINT THAT? I AM THE ONE SENDING MY LETTERS AND THEY ARE VIOLATING MY RIGHTS.

Company response to consumer: Closed with explanation