vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 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: NC

Complaint narrative:
Ive contacted Equifax multiple times via mail, fax and phone to request that this account with XXXX XXXX XXXX XXXX be removed from my report as ive never had sergvice with XXXX XXXX XXXX I even contacted them and they state they have no record using my social of me owing them a balance. Equifax refuses to remove it stating that i need to send them documentation when ive already sent multiple fax and disputed requests mails to their mailing address! I've been trying to get approved for a home with my children and this collection account has been negatively affecting my ability to lease a home. ive called and disputed over and over again again requesting removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Ive reached out to 2 reps at XXXX to go over what was sent to collections and why. They have no record of the {$150.00} bill that was not paid. They dont even know where that figure came from as my account has no late payments and is in good standing with their Property and Auto division.

Ive contacted my credit union for anything I may have missed as I pay auto insurance with my accounts with them sand Ive checked with my mortgage company as I pay escrows thru my mortgage payment monthly and my payments to XXXX thru them are up to date as well. 

So CCS Collections has reported a fraudulent collections on my account. Not only that, Ive checked mail, email and my online accounts associated with a potential collection and there is nothing. Not even a phone call. {$150.00} is such a small amount and can be paid today, but there was no record or notification and again, the original creditor has no account of me owing any money, theyve never reached out saying I owed any money, and they never mentioned a CCS Collections Looking at their reviews, it seems as if this is a common practice. 

I work heavily with credit repair clients, Im licensed in multiple facets within finance, real estate and property management and everything about CCSs process is fishy. 

I will be going thru this company thoroughly on my end and if I can get together a class action lawsuit I will

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
The credit report information is incorrect These accounts have been closed # XXXX # XXXX # XXXX The account should be removed from my consumer credit profile This account should be removed from the three credit bureaus - XXXX - XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my initial communication, Experian has not responded, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$26.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ). is incorrect. I request Experian to correct this inaccurate information on my credit report. 

The accounts XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$680.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$600.00}, Original Creditor : XXXX  ) do not belong to me. I request Experian to remove them from my credit report.

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 2023-05-27 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:
In accordance wit the Fair Credit Reporting Act the following have violated my rights Account Name : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : RentRecovery ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX 15 U.S.C1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: FL

Complaint narrative:
In accordance wit the Fair Credit Reporting Act the following have violated my rights Account Name : XXXX ( Original Creditor : XXXX XXXX  XXXX ) Account XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Account Name : XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX 15 U.S.C1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: AL

Complaint narrative:
On XX/XX/2023, I received an Alert from XXXX that a new account was posted to my Credit Report. According to the information a loan or lease account was opened with XXXX XXXX in the amount of {$58000.00}. Since it was on the Experian report, I immediately filed a Dispute Report to dispute the information since I had never heard of the company nor initiated any loans in XXXX. I also called XXXX and was connected with a Restoration Specialists. As was advised to file a Local Police Report, an FBI Report, and a Federal Trade Commission Report. All three reports have been filed. I also placed a fraud alert on my Credit Report with all 3 Credit reporting agencies. I was told to contact the company and tell them I was a victim of Identity Theft, which I did on XX/XX/2023. The XXXX XXXX when I call want an account number before they will assist me. I told them I was a victim of Identity Theft, they finally asked for name, address, last 4 SSN, yet there is no record in their system of my name, address, or last 4 of my SSN. However, according to the Experian Dispute Results on XX/XX/2023 XXXX XXXX says the information submitted to XXXX was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
Carrington Mortgage Company has not been updating my balance or the status my loan correctly to all three credit bureaus. Every time I check each month the balance is thousands of dollars off and incorrect. Making my credit score low and my debt higher than it actually is. As of today my balance is {$440000.00} with a pending payment which will lower that balance. On my credit reports it says my balance is {$450000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I am disputing the write-off reported on my credit report by your agency. I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report. 

As a responsible borrower, I have always made an effort to pay my debts on time and in full. Therefore, it is particularly distressing to have a write-off reported on my credit report, especially when I have not received any notification or documentation indicating that the debt has been cancelled or forgiven. 

I request that you investigate this. I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite my initial communication, Equifax has not responded, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$26.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ) is incorrect. I request Equifax to correct this inaccurate information on my credit report. 

The accounts XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$680.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$600.00}, Original Creditor : XXXX  ) do not belong to me. I request Equifax to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: National Credit Adjusters, LLC
State: IN

Complaint narrative:
The credit report information is incorrect These accounts have been closed XXXX XXXX XXXX XXXX These accounts should be removed from my consumer credit profile These accounts should be removed from the three credit bureaus - XXXX - XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I try file complaints against American car center dealership but they went out of business on XX/XX/2023 then filed bankruptcy XXXX  XXXX and try get all my refund back from American car center but i been aware that they went bankruptcy and closed. I didnt get no email or letter anything from them

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: WI

Complaint narrative:
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
Creditor Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: DC

Complaint narrative:
I have not received a 1099-C form from the original creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report per code 6050p of the Internal Revenue Service . 

As a responsible borrower, I have always made an effort to pay my debts on time and in full. Therefore, it is particularly distressing to have a write-off reported on my credit report, especially when I have not received any notification or documentation indicating that the debt has been cancelled or forgiven. 

I request that you investigate this matter and remove the write-off from my credit report until proper documentation is provided. Please provide me with a written response detailing the actions taken to resolve this dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Hello I did a request to the bank Loan care to removal mortgage insurance from my conventional loan because property has more than 20 % equity and up, so I sent the request XX/XX/2023 because they told me that after XXXX mid I have available to asked it but unfortunately they are not giving me any feedback or specific answer or call or email from that date, why they need to wait more than 1 month to remove a PMI that I dont need to pay anymore because my property has a lot remodeling and is value up to XXXX XXXXXXXX currently. So I owe just XXXX XXXXXXXX in the property and I have more than 20 % equity, so I dont want to keep pay month and monthly this PMI unfairly!! So why they have other friend that requested removed the PMI from them credit and they answered VERY FAST! SO WHY THEY ARE NOT DOING THE NECESSARY TO REMOVAL IT IN FAIR TIME??? So I have today 1 month since I requested it to removal and they are not giving me any answer or call, so???? Why??? I dont have payments delays. 
Please can you help me to see why they are taking long time to do it?? Thank you in advance

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 2023-05-27 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: Cascade CISS Holdings, LLC
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 agenecy can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I opened a small business checking account at the XXXX IL XXXX reacting to the email offer sent to me by Chase Business on XX/XX/XXXX. The offer features a {$750.00} bonus with the deposit of {$30000.00} or more into the account. 
I opened the account at the branch assisted by XXXX XXXX. When I provided the offer bonus code sent to me ( XXXX ) XXXX XXXX accepted it stating there is a temporary error processing the order but that he will take care of it. I asked him if he needed to receive the original email with the offer he indicated he didn't need it and that the code only is fine but I sent it to him anyway. Either way he did not provide me with the offer receipt but he stated that it will be processed shortly. Several hours later XXXX XXXX contacted me by phone stating that the bonus offer will not be processed after all and the reason for it is that I have had a prior business relationship with the bank precluding me from receiving it. I took this issue up with the branch manager who then referred me to the market manager XXXX XXXX for resolution. XXXX XXXX said he will reach out to the marketing dept that produced the offer and he will try to reach out on the resolution. On FRI XXXX XXXX called me back and announced that the offer will not be extended to me since according to their records last time I obtained the bonus on XX/XX/XXXX within the 24 months exclusion period. 
Here are the issues : 1 ) Why is Chase business sending me offers which automatically preclude me from receiving them? 
2 ) Why is the banker at the branch accepts my application including scanning for previous offers in my 3 existing profiles kept by the bank to at the end announced on the phone that the offer is not available? 

I have been doing business with XXXX XXXX XXXX that then morphed into Chase since the XXXX and to be frank I really do not appreciated to be treated in such deceptive way. In a process I also fund out that my funds at the bank despite being drafted on the local bank are held way in advance of the regular hold that indicated ( on the receipt ) the funds availability on XX/XX/XXXX. The phone disclosure stated that the funds will become available on XX/XX/XXXX.

Company response to consumer: Closed with explanation