vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 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 — 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 60 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 explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I paid off my mortgage with the money source ( # XXXX ) on XX/XX/XXXX and they transferred my loan to a new servicer ( XXXX XXXX  XXXX, XXXX, # XXXX ) on XX/XX/XXXX. For this transferred mortgage after the pay off, the new servicer keep sending me that I owe money. Since it is already a month passed, I only have 3~4 weeks left to solve the issue w/o hurting my credit since I'm not paying the monthly payment to the new servicer that they claim I owe. 
I have been asking The money source multiple time since the first week of XXXX to fix this wrongful service transfer, proactively work with the new servicer to fix it but The money source keep saying there is nothing they can do other than just give me papers like a transaction history, pay off letter things. Those documents, I already passed it over to the new servicer to prove it was closed but they said that is not sufficient proof. At this point, I don't have better way to get this problem fixed beside from filing a claim since the old and new servicer is not really working to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: CITIBANK, N.A.
State: TN

Complaint narrative:
my complaint is with XXXX and citicards. have called and spoke to XXXX about 50 or 60 times and have disputed inaccurate information for citicards approx 6 or 7 times and still no resolution since early XXXX XXXX citicards is showing a negative indicator status as of XXXX XXXX shows account reporting currentlly negative my score has dropped about 40 points and my creditors can see this on XXXX XXXX score XXXX this account was closed XX/XX/XXXX in federal bankruptcy court and dischardged. the other 2 major credit bureaus are correct. i need to have the status date updated to XX/XX/XXXXacoount should not be reporting current please try to resolve this is grossly unfair. i also uploaded my bankruptcy docs from court showing citicards included in bankruptcy status date XXXX of XXXX per XXXX recommendation. as of today they still can not confirm that they recieved my uploaded docs. please try to help me this is a very simple date correction. Thank You 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 explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX AMERICAN EXPRESS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX XXXX AMERICAN EXPRESS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS SURPASS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS SURPASS CARD Provide required information To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS CARD Provide required information To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS XXXX XXXX Provide required information To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS BUSINESS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX Declined To view the full decision details click here

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: Lending Club Corp
State: CA

Complaint narrative:
I HAVE PREVIOUSLY DISPUTED WITH LENDING CLUB ABOUT 6 MONTHS AGO AND THEY DELETED THIS FRAUDULENT FOR ME. HOWEVER, NOW IT IS REAPPEARING ON MY CREDIT. THIS ACCOUNT IS FRAUD. I DID NOT OPEN NOR AUTHORIZE ANYONE TO OPEN THIS ACCOUNT FOR ME. PLEASE DELETE. I HAVE NEVER SIGNED AND AGREED FOR A LOAN UNDER THIS COMPANY AND THE TERMS IN WHICH THEY REPORT TO MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: OH

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches.

I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 

Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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:
AFTER REVIEWING MY CREDIT REPORTS I NOTICED THAT YOU ARE ALLEGING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVE WITHOUT FUNISHING ANY PROOF OF VERIFICATION OF THIS DEBT OR THAT YOU FOLLOWED ALL LAWS AND REGULATIONS TO REPORT THEREFORE YOU MUST REMOVE ALL NEGATIVE AND ADVERSE REMARKS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 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: CA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORTS I NOTICED THAT YOU ARE ALLEGING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVE WITHOUT FUNISHING ANY PROOF OF VERIFICATION OF THIS DEBT OR THAT YOU FOLLOWED ALL LAWS AND REGULATIONS TO REPORT THEREFORE YOU MUST REMOVE ALL NEGATIVE AND ADVERSE REMARKS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I filed an ACH transfer on 53.com to send {$8400.00} from my XXXX XXXX account to Fifth Third bank. The transfer did not complete due to my middle initial being present on one account and not the other. Funds never reached my XXXX XXXX account and the amount debited from XXXX was never returned. I have filed disputes with both banks and they have both insisted that I need to file a dispute with the other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX / XXXX / {$6800.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: CA

Complaint narrative:
Hard inquiries appeared in my credit report that I did not initiate or apply from these XXXX institutions : XXXX ) XXXX XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXX XXXX - XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I paid off a XXXX XXXX XXXX loan on XXXX XXXX in the amount of {$4300.00}. XXXX XXXX sent me a letter that the debt was settled and the title was mailed to me. 
Several weeks later XXXX XXXX contacted me and said that the payment didn't go through ( It was a bank check or money order I paid with ) and I asked them to show me the check I sent them. They couldn't locate the payment form and said it was still outstanding even though I have a letter from them and the title. This has ruined my credit. I had XXXX reach out to them and nothing was resolved. I than had Experian dispute this and they charged off the amount on my credit report. 

It had escalated to the Presidents office at XXXX XXXX and I spoke with someone who said they were passing my information along and I never heard back from them and didn't know how to contact someone at the Presidents level.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I contacted Comenity Bank on XX/XX/2021 to dispute a {$47.00} charge on my credit card account. The charge was for a digital product that I never received. I emailed the seller to resolve the issue, but they did not respond. Comenity made no effort to settle the billing error instead they are contacting me by phone and mail requesting payment, and I refuse to pay the disputed amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MS

Complaint narrative:
On XX/XX/XXXX please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a XXXX of all letters sent below. 



XXXX XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account This information is reporting inaccurately and does not match my records. You have violated XXXX ( a ) ( b ) by failing to mark this account as disputed XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account and This information is reporting inaccurately and does not match my records. 

XXXX XXXX This account was paid and the creditor agreed to remove it from my credit report and All dates on each bureau should be the same but why am I seeing 3 different date of last activity dates reported XXXX XXXX is reporting the High Credit as XXXX XXXX  is reporting XXXX and XXXX is reporting XXXX Remove this inaccuracies on my credit report and you have failed to mark this account as disputed. XXXX XXXX and XXXX has re-aged the XXXX and is in violation of FCRA 605C This companies 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 2022-02-07 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: MS

Complaint narrative:
On XX/XX/XXXX please be sure to enter dates that all letters were sent. 

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 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 



XXXX XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account This information is reporting inaccurately and does not match my records. You have violated 623 ( a ) ( b ) by failing to mark this account as disputed XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account and This information is reporting inaccurately and does not match my records. 

XXXX XXXX This account was paid and the creditor agreed to remove it from my credit report and All dates on each bureau should be the same but why am I seeing XXXX different date of last activity dates reported XXXX XXXX is reporting the High Credit as XXXX XXXX is reporting XXXX and XXXX is reporting XXXX Remove this inaccuracies on my credit report and you have failed to mark this account as disputed. XXXX XXXX and XXXX has re-aged the XXXX and is in violation of FCRA 605C This companies 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 2022-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Designed Receivable Solutions, XXXX XXXX XXXX, La XXXX, Ca XXXX with Tel. XXXX is a debt collector assigned by XXXX XXXX XXXX XXXX XXXX XXXX to collect my medical debt after I went to emergency room last XXXX XXXX. I was never admitted but I was billed {$9700.00}. I was shocked by my bill and I was billed by my insurance {$1800.00}. I paid XXXX thru installment {$870.00} the rest {$1000.00} was assigned to debt collector since XXXX because I lost my job due to pandemic as a XXXX. XXXX XXXX I paid {$300.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}. I have remaining {$410.00} balance. After Designed Receivable Solutions received my payment on XXXX this company reported me to the credit bureau and my credit score from excellent credit went down very low. I called immediately Designed Solutions and I complained. They told me if Ill pay them immediately the whole remaining balance then they will remove my bad credit report. I said I lost my patient last XXXX and due to the pandemic I have a hard time getting a new patient but I tried to pay them. XXXX XXXX told me that it takes 6 months without paying theyll report me. XXXX from debt collector was forcing me to pay the whole balance or they will ruin my credit score. Im so stressed and got so XXXX. I better went to XXXX XXXX without insurance but because I Paid {$1100.00} a month health insurance thru XXXX  I was billed so high even the hospital just took blood test only and discharged me. I never asked assistance from state or federal. I was very responsible but because of the pandemic my income went down and I lost my job. In spite I tried to pay my medical bill. But this debt collector is harassing me and forcing me to pay the whole amount at once. Im very XXXX  and couldnt sleep at night. Please help me. Ill pay my debt thru installment but I dont want XXXX from debt collector harassing me to pay the whole amount to avoid bad credit report. I will be very thankful if you can help me remove the bad credit report. 

XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Cell XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Investigate the way this account is reporting. All the bureaus was reporting this account AMERICAN CREDIT ACCEPT XXXX was reported to be 30 days late, yet the balance is zero and the status is closed. How come that this account reflects to be late?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom This May Concern, I've tried numerous attempts with Equifax to update my address and name on file, but to no avail my attempts have not been handled. I sent out a certified letter including my driver license with my one and only current address, a copy of my social security card, and finally my latest utility bill. I'm requesting for the 3rd time this be updated per my correspondence that I have sent them. Please review the enclosed attachments. Please and Thank you. Take care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: NJ

Complaint narrative:
I noticed a few accounts and inquiries on my report that I do not recognize 2 from XXXX XXXX 12 inquiries from XXXX XXXX which makes no sense at all XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 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: NJ

Complaint narrative:
I noticed a few accounts and inquiries on my report that I do not recognize XXXX XXXX  XXXX XXXX XXXX inquiries from XXXX XXXX which makes no sense at all XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXl, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief