vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted XXXX ( the data furnisher ) in writing via XXXX certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to XXXX on XX/XX/2023 ). On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 609 that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to XXXX on XX/XX/2023 ). I sent a third and final letter on XX/XX/2023 ( See Exhibit C : Demand Letter to XXXX XX/XX/2023 ). As of today, XXXX has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.

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 2023-08-04 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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.

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 2023-08-03 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: CA

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, I have not received any responses from the credit bureau. There are so many confusing parts to my credit reports and over 10 items have discrepancies between the reports from each credit bureau. I feel like I'm being ignored. 

Section 611 ( a ) it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Now that its been more than 30 days those items should be deleted immediately. After being informed that my information has been leaked by the XXXX data breach, I have very little trust over the credit bureaus and this has seriously led me to consider taking legal action.

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 2023-08-04 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2023-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: FL

Complaint narrative:
This is a NEW/ADDITIONAL complaint regarding Movement Mortgage 's unethical ( potentially illegal ) business practices. I recently submitted CFPB complaint # XXXX regarding Movement 's patterns of harassment, disrespect, and blatantly false accusations & threats which have thus far ( and continue to be ) totally unfounded, unsubstantiated, and unresolved. 
I did predict direct retaliation from Movement Mortgage due to my complaint, so I meticulously downloaded & cataloged ALL data, files, and captured detailed screenshots of EVERYTHING I can see via their customer-facing portal. It seems my prediction came true. 
Specifics : the prior complaint was due to Movement 's harassment and threats regarding my home insurance policy. They constantly sent me letters in the mail stating falsehoods such as my policy has expired, proof of insurance is invalid, etc, while threatening to buy additional policies on my behalf and at my expense. At the time of last week 's complaint, my payment portal profile clearly showed an ACTIVE homeowners insurance policy ( detailing coverage dates, policy number, underwriter, and upcoming escrow disbursement which was scheduled for yesterday XXXX ). Today I discovered that Movement didn't disburse payment as was planned/recorded just last week. In fact, Movement manually DELETED ALL REFERENCES to my home insurance policy and the scheduled disbursements to pay for the policy through escrow. It seems to me Movement can't articulate any wrongdoing on my part, so they tried to manufacture a technical default by not disbursing funds as obligated, and potentially hoping for a resulting lapse of coverage to then give them something real to threaten me with. Luckily I anticipated this type of unethical retaliation and paid the insurance policy directly. No lapse, still actively covered. Nice try. These people need to be investigated by an objective third party. Perhaps Fannie Mae might take interest in Movement 's improper servicing of Fannie Mae loans? Just a thought.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: DISCOVER BANK
State: MD

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 Seation 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: VA

Complaint narrative:
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 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
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 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
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 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Subject : Pre-Arbitration Settlement Offer - Collection Account ( Account Number : XXXX ) and Obligation to Honor Arbitration Agreement To Whom It May Concern, I am writing to address the ongoing issue concerning the collection account associated with XXXX XXXX XXXX account number XXXX, which has significantly impacted my credit report. Despite prior attempts to resolve this matter, the situation remains unresolved, causing substantial financial hardship and distress. I have denial letters to prove the financial pain and stress this fraudulent account has put me through. 

I want to emphasize that with the acquisition of this collection account, Midland Credit Management has assumed all rights and obligations, including those stipulated in the original contract, such as the arbitration agreement. This agreement is legally binding and requires that disputes be settled through arbitration rather than traditional litigation. 

Given this obligation, I propose a one-time settlement offer to expedite a resolution and avoid further legal complexities and expenses. Midland Credit Management has the opportunity to settle this matter by agreeing to the following terms : Payment of {$5000.00} in full settlement of the collection account. 
Deletion of the account and all associated information from my credit report. 
By upholding the arbitration agreement, Midland Credit Management demonstrates its commitment to equitable resolution practices. 

Please give due consideration to this settlement offer and respond promptly. Accepting this proposal not only upholds your contractual responsibilities but also leads to a more advantageous outcome for both parties involved. 

I request written confirmation of your acceptance of this settlement offer and the subsequent actions taken to fulfill the terms outlined above. 

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: TX

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: TX

Complaint narrative:
I am disputing an account with Fist Progress. I have asked for validation in which the response did not show a contractual agreement bearing my signature. The most recent letter was sent on XX/XX/2023. The account shows inaccuracies with the date opened, credit limit, date last active and the date of last payment. I am requesting for the inaccurate account to be DELETED off my credit report. It is reporting to XXXX XXXX and XXXX I initially contacted the credit bureaus that the account was reporting to and since an investigation was to be done First Progress has not deleted or tried to rectify this situation. The account does not belong to me and must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was sent a new card by BofA for a balance transfer ( which I thought was through my existing Bof A card ). So I had a new account I didn't know about. Regardless, I noticed and set up automatic payments in time to have them arrive before the due date on the XXXX of each month. On the new statements there has been a late fee of {$40.00} every month, even though the payments are automatic through my bank ( XXXX ) and bank records are showing the payments were delivered 1 to 3 days before the due date.

After an hour on the phone with customer service, I was told they can only " grant '' the refund of XXXX late fee, despite all these fees being erroneous. I let the rep know I have paperwork from my bank to back this up and she insisted the " system '' wasn't responding and she couldn't get any more charges refunded. When I asked if there was an alternative way to solve this, she suggested I call back later ( as if there would be a more empowered person there later? )

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 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I reaffirmed an auto loan with Wells Fargo XXXX XXXX after filling XXXXXXXX XXXX in XX/XX/XXXX. I continued making all of the loan payments on time every month. However, Wells Fargo still removed my auto loan from my credit report and said they would report the loan again to the bureaus once it was paid off. 

I paid off the loan a year ago in XX/XX/XXXX and submitted a request to have the tradeline added back. Wells Fargo sent me a letter which states that they " asked '' the bureaus to add the tradeline back. However, that doesn't seem to be true. I've followed up several times with Wells Fargo and the three main credit bureaus. Wells Fargo tells me they reported the loan but all three main credit bureaus tell me they haven't received any communication from WF Dealer Services on my behalf. 

In XX/XX/XXXX I decided to check my XXXX report and found an old WF Dealer Service record which was missing data from XX/XX/XXXX through XX/XX/XXXX. So I submitted a dispute through XXXX on XX/XX/XXXX to have the missing months updated. Then the record disappeared entirely. I called XXXX and spoke with an agent who said Wells Fargo 's response to the dispute was to delete the record entirely. 

I'm baffled at why Wells Fargo would tell me they've tried to add the tradeline back and then also delete the only record remaining. 

I've been dealing with this issue for 11 months and I'm getting no where. I'm desperately trying to improve my XXXX XXXX and I really need this loan to be reported on my credit history. 

XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Record was deleted by Wells Fargo on XX/XX/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 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXXFORTIVA Original creditor : I have no idea how this company got my information. I never agreed to any services or products with this company. I tried disputing this with credit bureau, but corrections never made. After several harassing calls to my phone during unlawful hours and on holidays I repeatedly asked them to stop calling me if they were unwilling to send me proof of any agreement for services with them. They refused to send me any account information or signed agreements. The refuse getting supervisor on the line and refuse to transfer to an American call center. As a result this has caused continued harm to my credit reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-04 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to file a formal complaint against LVNV Funding, LLC regarding their collection activities related to my consumer report. I believe that their practices have been unjust and in violation of my rights as a consumer. I have been receiving collection communications from LVNV Funding, LLC, Resurgent  and XXXX XXXX XXXX, whom i have never heard of or had any contract with, demanding payment for a debt that I am not entirely certain about. Despite my requests for verification and validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), I have not received any substantial evidence to confirm the validity of the debt they are attempting to collect. I kindly request that the Consumer Financial Protection Bureau investigate my complaint against XXXX XXXX, XXXX. I believe that their actions have not only been unfair, but also potentially illegal, and I seek resolution and appropriate action to rectify this situation. 
At this point I do not know what to do as there inaccurate reporting on my consumer file is hindering by ability to purchase my first home. Thank you for your time and assistance in the matter.

Company response to consumer: Closed with explanation