vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: FL

Complaint narrative:
Please consider this as my formal complaint to the Transunion for allowing the fraudulent inquiries and for not taking corrections on my credit report. I sent out my dispute letter dated XX/XX/2023, with the identity theft report number XXXX. 

They also allowed the fraudulent accounts to be reported in my credit file with the identity theft number XXXX. 

As I checked my credit report these are unauthorized hard inquiries and fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; Inquiries : XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I try esolve problem whit company and never resolved and I have hard inquiry never I authorize I so torereceive letter about application is not me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: SC

Complaint narrative:
XXXX  XXXX and Experian Rent bureau are incorrectly showing a rental amount as outstanding that for XX/XX/2023 that was paid on time before the date required on my rental lease. This was resulted in me being out of pocket approximately {$500.00} due to application fees for rentals. I am consistently being denied due to this error while on a timeline to move due to a medical XXXX. XXXX  XXXX refused to give me any information on my dispute, despite me having submitted documentation on XXXX providing this was false. I was denied for a property I very much wanted based on this information. I am also trying to refuse it with experian.

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 2023-05-03 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 — Their investigation did not fix an error on your report
Company: Synovus Bank
State: VA

Complaint narrative:
I have satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: IL

Complaint narrative:
On XX/XX/2023, I paid my account in full with XXXX I noticed on XX/XX/XXXX it was still reflecting that I was past due and I owed them. I contacted the company on the XXXX the person I spoke to told me it took a couple weeks and it would be off of my credit. I had filed to disputes with the credit bureaus regarding this both of the disputes were denied by XXXX, I had even attached my statement from the bank where it showed I had paid it in full on XX/XX/XXXX. I thought I would wait and see if it would be off my report as the lady from XXXX told me on XXXX XXXX XX/XX/XXXX I checked my account with the credit bureau and I noticed they had added another {$2.00} onto my account saying I was behind. And I had not paid my account. I contacted XXXX they give me an email address as well as a case number telling me to email them in screenshots of my account where they were paid and where it was reported to the credit bureau. I sent that in. The same day after I spoke to them I had received another flag now they're reporting I'm over 90 days late. After 2 disputes phoning in several times as well as trying to log in and I was denied login on their website and on their app I don't know what else to do I hope this can get it resolved.

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 2023-05-03 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: American First Finance, Inc.
State: MS

Complaint narrative:
I notified company several times via phone and was told they couldn't find any account in my name. Phone conversations were done in XX/XX/2023. On XX/XX/2023, they finally gave account number and last 4 digits of credit card used to make payments. I have explained that I never opened an account with them nor do I recognize the account on my XXXX credit report. I have since frozen experian, XXXX, and XXXX credit files. Account was opened on XX/XX/2023 with a balance of XXXX. Name of company is American First Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom it may concern I [ XXXX XXXX ] a natural person, consumer and original creditor pursuant to XXXX XXXX XXXX demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additionalfinance charge, such additionalfinance chargemay not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which thefinance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of thatfinance charge. Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money, property, labor, or services oncredit. ( m ) The term accepted credit card means anycredit cardwhich thecardholderhas requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services oncredit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to remove several inquiries from my credit report with Equifax Online and all the time almost immediately receives a response about that info it is accurate and will keep in my credit report ( please see attached the last 5 responses from then ). 

Today XX/XX/2023 a few minutes ago, I spoke with an Equifax representative and spent a lot of time trying to explain my situation, that I have not authorized those inquiries and he refuse to do any about it. Then I asked him to speak with his supervisor ( called XXXX  ) and she refused to take care of it either, also told me that I have to call each company that has made inquiries in order to ask them to remove it. 

In case of XXXX, I have called since at least 3 years in order to get access to my credit report from there and make the disputes and they didn't took care about my situation either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
Hello My name is XXXX XXXX. According to 2 letters I received from Phoenix financial services, Original Creditor XXXX XXXX response, Current Creditor XXXX XXXX XXXX, XXXX. I've managed to contact Phoenix Financial Services, LLC over the phone and asked to disputed this for lack of information so the did, 2 weeks later I received a letter stating its my debt. The letter didn't have my social security number not even the last four digits, so I called them back and asked them to send me anything that I may have signed and they refused telling me they can't do that and that I need to get a police report instead after they will remove the debt from my credit report. I feel like no one is trying to help me resolve this issue that I clearly have no idea about nor have I ever been to the part of the state to accumulate this debt why won't they send me proof with my signature to prove it belongs to me.

Creditor Account XXXX XXXX Phoenix reference numbers XXXX, XXXX XXXX {$2300.00} claimed That I owe. I've disputed with XXXX 3 times I've disputed with the collection agency once after so many attempts trying to contact them and the original Creditor, Phoenix Financial Services, LLC ( XXXX XXXX XXXX XXXX Indiana XXXX ) Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX disputes two transaction on XX/XX/2023 ( claim number XXXX, amount {$1700.00} and claim number XXXX, amount {$2100.00} total {$3800.00} ) but no response, so I made a phone call XX/XX/XXXX, banker said they will refund 2 weeks later but they didn't

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 2023-05-03 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: PA

Complaint narrative:
Thank you for responding to my complaint, I am disputing the findings from your Consumer Reporting Agency. Please note, 611 5 ( A ) which explains, Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 
Please advise who did your Consumer Reporting Agency speak to at the US Bankruptcy Court to verify, update, correct, or modify whether the bankruptcy listed on my credit report is accurate? I ask this question because my credit report explicitly states your company got the information from a third party ( XXXX XXXX ) and therefore it may not be accurate. Did XXXX XXXX or your Consumer Reporting Agency travel or speak to the New Jersey Bankruptcy Court and verify, modify, update, or correct the information in person? If so, please include the documents showing the bankruptcy is in fact accurate, updated, correct, and verified including the entire docket showing this action based upon the law. 
Please explain how your Consumer Reporting Agency intends to modify the information in the bankruptcy filing. Can your Consumer Reporting Agency modify the information in the PACER Database that Lexis Nexus used? Can your Consumer Reporting Agency modify the information in the State, Federal, or Public records related to the bankruptcy? Per the US Bankruptcy Court, they do not modify, verify, or update the information for Consumers or Consumer Reporting Agencies. Please advise and share in writing the workflow and documents in place to open the docket to update, modify, verify dispute, and correct information on my behalf with the US Bankruptcy Court as a Consumer Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear Experian, I am writing to dispute the accuracy of the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX accounts that have been reported on my credit report. After reviewing my credit report, I have noticed that these accounts contain inaccuracies and errors that need to be investigated. 
I am requesting an extensive investigation into these accounts and information on how these debts have been verified as accurate. Specifically, I would like to know which tools were used to validate these alleged debts and what evidence was used to certify them. I believe that this information is necessary to ensure that all relevant information was taken into account and that these accounts are accurately reflected on my credit report.

I also believe that the reporting of these accounts may be in violation of various sections of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. Therefore, I request that you investigate these matters thoroughly and take appropriate steps to correct any inaccuracies in the reporting of these accounts.

Please keep me informed of the progress of your investigation and any actions taken as a result. If any of these accounts can not be verified as accurate, I request that they be removed from my credit report.

Thank you for your attention to this matter. I look forward to hearing back from you soon. 
Sincerely, 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 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have tried to work with Truist Mortgage for the past 3 years to get current and apply for a modification or repayment plan. I believe they are treating me unfairly and they do not want to assist me with keeping my home and I have been going back-and-forth with him about the tax liens. They said the title has to be clear but the tax liens are from a payroll business debt not personally but that shouldnt matter but i wanted to apply for a repayment plan and/or modification. Im not trying to refinance the home and they keep saying that the title needs to be clear but looking at research and other mortgage companies they dont really worry about that because they already first on the title. But theyre already first on the title, but I understand Tax Lien supersede any debt on the property, but I also offered and turned in the paperwork for a subordination agreement for the tax liens and they would not proceed with any assistance. when it comes to that issue when trying to refinance or modification, I dont think theyre being that reasonable with me and I think they keep telling me no because they just do not want to provide me with mortgage assistance. And, they want to sell my property and get the money because there is equity in the property. I need to get some assistance for the mortgage an keep my home.

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 2023-05-03 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: Levy & Associates, LLC
State: OH

Complaint narrative:
I was contacted by Levy & Associates last XXXX after they filed for a judgement against me in XXXXXXXX XXXX  Oh on behalf of XXXX XXXX XXXX. 

I immediately requester validation of debt and was told the last charge was XX/XX/XXXX. 

I have no knowledge of this account, they said it was {$3200.00} ( approx. ) I had a family member living in my home over the past 10 years that I only recently as XX/XX/XXXX became aware that they were stealing from me, committing fraud in my name and XXXX XXXX XXXX. The situaltion escalated and in XXXX of XXXX after confronted they became XXXX  and then XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to go as far as replacing bank accounts, securing a civil protection order, home security system, etc. However I am still learning of favious fraudlent things they did. I believe they likely made these charges as they had access to my home, mail, bank account, credit cards. etc. 

I sent fraud affadavit, idenity theft complaint, etc. to XXXX XXXX XXXX XXXX XXXX and every month since I followed up being told they were investigating. Then XX/XX/XXXX I received notice they " disagreed '' and would continue collection efforts and to secure a judgement against me in XXXXXXXX XXXX XXXXXXXX. 

I called and asked what additional information was needed, what I could do and I was told my only option was to pay. I asked them what the charges were for exactly, dates, copies of signatures/receipts, etc. and I was told to contact XXXX XXXX. I have no information for XXXX, they told me to XXXX it and I did and could not find a mailing address or anything. 

They said the last charge was XXXX. This is not on my credit report. I have lived at the same address since XXXX and had the same phone number and this was not present. 

I did not place any charge with XXXX and do not know what the bill is for. I believe they should provide details prior to filling a court case against me for an alleged charge in XXXX also I don't know if it was one charge or many. I have no information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: VA

Complaint narrative:
XXXX Transunion RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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