vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 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: SC

Complaint narrative:
I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit and if this information is not removed, I will no longer want my information reporting in your companies database. The reasonable procedures listed in the affidavit herein were not followed and this is a violation of the FCRA ( Fair Credit Reporting Act ). I have the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information. I, the affiant, have the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information.

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 2022-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
On XX/XX/2022 I filed a complaint number XXXX. The lender responded by stating they did not know what file I was referring to. I then responded with the information and Flagstar closed the complaint and did not answer the concerns raised. I then called Flagstar and asked about the concerns raised in the complaint. I was told that I needed to send in a Qualified Written Request and I needed to file another complaint. I was told they were unable ( or unwilling ) to send me any information regarding FHA recovery mod denial. I asked if Flagstar 's underwriting department or FHA denied the recovery mod. I was told it was a mutual decision. I am now requesting all documentation showing that the loan was sent to FHA for a recovery modification and FHA denial. Flagstar has now sent this loan to a foreclosure attorney. This is now incurring legal fees without any proof that all post COVID options were exhausted. We are asking for these documents. Also, in case Flagstar would like to say that they do not know what loan this is in reference to the loan number is XXXX. We are asking Flagstar to answer these questions. Also, we are again requesting information about the previous complaint.

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 2022-07-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX accounts below have violated my rights 1.Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX 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 2.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 3.Account Name : XXXX XXXX Account Number : ending in XXXX XXXX5 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 4.Account Name : XXXX XXXXXXXX Account Number : ending in XXXX 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 instruction 5.Account Name : XXXX Account Number : XXXX 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

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 2022-07-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX accounts below have violated my rights 1.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 2.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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 3.Account Name : XXXX XXXX Account Number : ending in XXXX 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 4.Account Name : XXXX  XXXX Account Number : ending in XXXX XXXX5 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 instruction 5.Account Name : XXXX Account Number : XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: AZ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX SELF EMPLOYED Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2022-07-27 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: FL

Complaint narrative:
On XX/XX/22 my Comenity XXXX  MasterCard was fraudulently charged {$67.00} for a XXXX purchase I did not make ( this was a a XXXX breach as several of my cards on file with them were charged with erroneous orders ). I was contacted via text to verify if the charge was mine, to which I responded it was not. I was contacted by their fraud department and told it would be investigated and a new card issued. To date, I have not received a credit for the charge, nor have I received a replacement card. I have tried to log into the site multiple times and it has been down ( to the point they are waiving late payment fees ). After multiple attempts to call them to resolve this, I have currently been on hold with their fraud department for over 1 hour, with no end in sight. This is not okay. I am very concerned about the safety of my personal information and the inability to make contact with the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
On XX/XX/2022 I reviewed my consumer reports and noticed 5 accounts being reported by Navient. Each account is reporting inaccurately. I mailed Navient a certified letter via USPS ( tracking number XXXX ) which they received XX/XX/2022 ; making them aware I did not agree with the amounts of the alleged debt they are furnishing to consumer reporting agencies. I requested all documentation that proves their claim is valid, including how the amount was calculated. In my letter to Navient, I included a copy of my North Carolina Identification card and Social Security card. I have attached a copy of that letter here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX EMPLOYER : SELFEMPLOYED Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX Balance Owed : {$530.00}

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 2022-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Turning Point Solutions LLC
State: TX

Complaint narrative:
Im receive multiple emails and calls from advance capital solutions. The debt was included in a bankruptcy and my attorney has reached out the them to stop calling and emailing me. That message was sent on XX/XX/XXXX and then another request on XX/XX/XXXX. Today XX/XX/XXXX I got another call and email.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: VA

Complaint narrative:
In accordance with the FCRA XXXX Account, 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 agency can not furnish an account without my written instructions. 

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) 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 ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Moreover, the account does not belong to me. This is willful disregard of the FCRA. 
A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. Metro 2 reporting guidelines state : Accounts reported in error must be deleted.

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 2022-07-27 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: NY

Complaint narrative:
I sent my letters off XX/XX/2022 by usps. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit reports showing the inaccuracies. 



List of accounts : 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 non-monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I bought an item through PayPal and the transaction looked shady. I notified PayPal and they said they could do nothing about it and closed the dispute leaving with out my {$99.00} and item that was never delivered but sent to an unknown address in XXXX, NY. I reached out again to tell them the item was never received but sent to an unknown address and still received no help. I just want my money back. 

You'll see " PAYPAL *XXXX  '' on your card statement. 
{$99.00} Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX United States Have you received this order? 
XXXX XX/XX/2022, Sent by XXXX Status : Shipped Transaction ID XXXX Contact info Note Thank you for completing your Order # XXXX on our Online service store! Please check and complete the payment. We will confirm your payment and shall notify your soon If you have any questions, please contact us. We are looking forward to your feedback Details Sent to {$99.00} Total {$99.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27 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: Colony Brands, Inc.
State: OR

Complaint narrative:
Credit alert regarding a Hard Inquiry that I did not request ( Ginny 's XXXX ) - Haven't even heard of the company that made the inquiry. I called the company making the inquiry and they had no record of making the inquiry on my credit report. I then filed a dispute with XXXX. They " investigated '' which was complete within an hour or two and credit report remained unchanged. I called XXXX and they indicate they can not change it without supporting documentation and a police report. First, since I requested no inquiry and don't know the company making the inquiry, there is no documentation. Second, no police department is going to file a report for a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is for the company Equifax. They are not able to locate me in their system. I am being denied a bank loan due to a freeze on my credit account and am being told by the other two major credit reporting bureaus that they do not have a freeze listed on my account. I need to resolve the freeze issue, but first I need to verify that Equifax has a freeze on me. Equifax can not locate my account though.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and XXXX XXXX account # 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 agency can not furnish a 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 2022-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
15 U.S. Code 1681i - XXXX in case of disputed accuracy Dates on accounts are showing inconsistent information and many inaccuracies. 
Dtae opened balance XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX Bankruptcies eported by XXXX XXXX and not original furnisher XXXX  XXXX Bankruptcy inccorect name of company XXXX SSA/OFFICE OF FINANC different account number DELETE UN Verfied information Fcra states the first party has to report information on consumer credit profile accurately DELETE due to inaccuraties and unverfied information

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 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I've filed complaints against the business about this debt, they didn't reply and it was turned over to the FTC. I also filed a complaint against the company trying to collect the debt originally, XXXX, who left voicemails telling me if I didn't pay they would hurt my credit and then sold the debt to someone else to collect now, who is saying if I don't pay it, it will be the same result. 

I joined on a free trial, I used the gym one time at XXXX and told the front desk employee it wasn't for me and I needed to cancel. She replied that no one was there that could handle that right now but she would take my info and when they arrived they would " take care of it for me ''. There was no additional information about needing to come back in, or check back, or etc. So I considered it settled and went about my business. 

3 months later the phone starts ringing about this membership I considered closed, pushing a ridiculous amount nearing {$400.00}. 

I called Aldous & Associates and told them I deny the debt, explained the situation and offered to settle the debt for a reasonable amount. They refused, told me it was all or nothing and that I didn't have recourse if I disagree with what they are asking for. 

The gym industry doesn't like to cancel people and its a running known situation some sit on cancels instead of doing them/communicating errors in process because overall they want collect dues. 

I feel this whole process has been predatory.

Company response to consumer: Closed with explanation