vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This account was charged off which means that they have reported this to the IRS and gotten a tax write off for it therefore it is no longer owed. This needs to be deleted from my credit. There are 2 accounts {$5700.00} and {$1600.00} showing on my credit that need to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: VA

Complaint narrative:
I contacted equifax via phone in XXXX in regards to removing fraudulent inquires that i never gave my consent. One from XXXX XXXX XXXX the other is XXXX. 

They didn't investigate therefore they didn't remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: OH

Complaint narrative:
On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 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: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My husband died in XX/XX/2019. He had brought a new XXXX and I had cosigned for him. When he died, I got in touch with Pentagon Federal Credit Union and sent them his death certificate and XXXX and told them I could not afford to keep the truck. They told me to sell it, I told them I needed them to take the truck back. Of course I could not sell it, I didn't know anything about that. I explained to them. I barely had enough money to bury him. Finally they asked me to submit to them all of my bills and daily expenses. I did that and I heard from them that the debt had been forgiven. Later, I saw on my credit report that there was a XXXX deficit and that it had been put on my credit as a bad debt that had been charged off account. Account balance was reported as a loss by creditor, I called the several times, because after I did everything they had asked, why were they putting it on my report. I WAS TOLD THEY HAD NOT ASKED ME TO SUBMIT ANY INFORMATION AND THEY DIDN'T KNOW WHAT I WAS TALKING ABOUT. Every since, I have been screwed. There is nothing I can say to them because they deny what they asked me to do, now I am trying to buy a house and this is on my report and if needs to be taken off my report. CALLING AND TALKING TO THEM HAS NOT WORKED. I need this cleared up and off 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 2022-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF THE WEST
State: KY

Complaint narrative:
A vehicle loan with Bank of the West that was charged off is reflecting negatively on my credit report. I have filed XXXX disputes regarding the information that is being reported under my name as it is not accurate however, the disputes are closed out and updated by the creditor adding more to the amount owed each time which in turn has continued to lower my otherwise good credit score. I have spoken with Bank of the West prior to the charge off occurring which was back in XXXX and again in XXXX at which time they were informed of the changes with the account along with the court order for the account holder to remain the only responsible party and for my name to be removed as I should no longer be legally responsible for this account. The court order was finalized XX/XX/XXXX. Since XXXX, there was a court order of protection in place preventing any form of communication between the account holder and myself and we received our final court order XX/XX/XXXX at which time the judge determined XXXX XXXX to be financially responsible for this account. I have communicated this information with Bank of the West with no avail. The last dispute I had submitted was closed out after information was updated inaccurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed an error to Experian Credit Bureau regarding the amount owed on one of my accounts ( XXXX XXXX XXXX XXXX  ) which is reporting inaccurate information on amounts owed. They reported {$9900.00} However the amount should be much less. I have being paying on this account for the last XXXX years since XXXX of {$190.00} per month. The original amount was {$10000.00} at around 15 % interest and very little has been reduced. There is also the issue surrounding not being able to use the timeshare during the pandemic and that this account should not be reporting late payments based on my complaint about not being able to use the facility during the pandemic months and during which should be wiped out. I notified the creditor XXXX XXXX that this is possibly a violation against me as a consumer rights to not be able to use the facility but they still charge me and refuse to credit me since I wasn't able to use it during the pandemic months but instead they reported me late on payment. 

Based on these facts, I submitted a dispute on XX/XX/XXXX regarding XXXX XXXX 's inaccurate reporting. Experian took past 30 days to investigate and respond.to my complaint. When I notified Experian they should delete the account belonging to XXXX XXXX for investigating the dispute past 30 days they did not adhere. I am attaching evidence showing the time I opened the dispute and the time the got me the results. This should be removed from my credit according to FCRA rules consumer 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 2022-02-28 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: IL

Complaint narrative:
WHEN REVIEWING MY CREDIT REPORT, I OBSERVED SEVERAL ERRORS THAT XXXX, EXPERIAN, AND XXXX REFUSED TO CORRECT. SINCE XX/XX/2021 IVE CONSISTENTLY SENT CORRESPONDENCE TO THE XXXX MAIN BUREAUS TO INFORM THEM OF ERRORS ON MY REPORT WITH NO ASSISTANCE OR CORRECTION WHAT SO EVER. I SENT CORRESPONDENCE ON XXXX XXXX XX/XX/2021, AND XXXX NONE OF THE BUREAUS CORRCTED THESE ERRORS ON MY CREDIT REPORT. IVE ALSO REQUESTED THAT THEY CORRECT INCORRECT AND OBSOLETE INFORMATION. THE CREDIT REPORTING BUREAUS BLATANT DISREGARD FOR THE LAWS AND REGULATIONS SET FORTH BY THE CFPB, CRRG 3-4, AND XXXX XXXX ARE OFFENSIVE AND IT RENDERS ME NO PROTECTION BY THESE LAWS SET FORTH TO PROTECT MY RIGHTS AS A CONSUMER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
You have violated various laws under the FCRA, and I am looking into seeking litigation as you are not taking my disputes seriously. 
FCRA 15 U.S.C. 1681a, you are required to report accurate and fair credit files.

FCRA 15 U.S.C. 1681e : you are reporting false and misleading information FCRA 15 U.S.C. 1666b, Timing of payments FCRA 15 U.S.C. 1605, Determination of finance charge Dept/XXXX  Acct # XXXX Dispute reason : Inaccurate payment history, Date of last payment XXXX different years, Balance update Instruction : Please update payment history current/never late or deleted the account The list of inaccurate information : TransUnion mail dispute results XXXX XX/XX/XXXX. The investigation results verified as accurate JXXXX XXXX 90 days late XXXX XXXX 90 days late XXXX XXXX  120 days late XXXX XXXX 120 days late XXXX XXXX 120 days late Transunion Date of last activity XX/XX/XXXX Transunion Balance updated XX/XX/XXXX XXXX email results on XX/XX/XXXX, the investigation results verified as accurate. They added a late payment XXXX XXXX 90 days late XXXX XXXX  120 days late XXXX XXXX 150 days late XXXX XXXX  180 days late XXXX Date of last activity XX/XX/XXXX XXXX Balance update XX/XX/XXXX PLEASE SEE ALL ATTACHED DOCUMENTS!!!!

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 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
I keep getting letters about debt collection for an XXXX account that was never mine to begin with. Please stop sending me letters I never own that account and I dont owe anyone

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, it came to my attention that NationStar Mortgage XXXX, XXXX. Mr Cooper failed to pay my hazard and flood insurance premiums. I requested that Mr. Cooper pay the premiums immediately by overnight mail as my insurance would expire in the next few days. Mr. Cooper then sent a check by regular mail. Once my insurance broker informed me funds were not received, I requested Mr. Cooper send a second check overnight to avoid a laps in coverage. Funds were received during the grace period and a laps in coverage was avoided. Mr. Cooper failed to put a stop pay on the XXXX check which was also cashed by the insurance XXXX. The insurance XXXX mailed a check for the over payment to the property address rather than my mailing address. Therefore I was unaware Mr. Cooper has paid twice and I had not received any funds from the insurance XXXX to prompt me to think otherwise. In XX/XX/XXXX, while preparing tax docs, I realized Mr. Cooper misreported my XXXX XXXX payments by double the amount. The escrow analysis team also performed an analysis using the wrong escrow balance. Upon, learning all this I have spent the remainder of the XXXX to have everything corrected. The Insurance has sent a second check to my mailing address in the amount of {$2200.00} for over payment. I advanced {$2500.00} on XX/XX/XXXX to Mr. Cooper to deposit in my escrow account and requested a new escrow analysis to avoid a payment increase of {$300.00}. Mr. Cooper has refused my request for a new escrow analysis. All this is a result of Mr. Cooper failing to properly manage MY escrow funds. I want Mr. Cooper to provide a new escrow analysis to avoid such a huge increase in my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: FL

Complaint narrative:
The information on my credit report is not correct. I do not recognize this information, this is a result of identity theft and i need it to be removed from my credit as soon as possible. It is affecting me in a very negative way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 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: FL

Complaint narrative:
The information on my credit report is not correct. I do not recognize this information, this is a result of identity theft and i need it to be removed from my credit as soon as possible. It is affecting me in a very negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cadillac Accounts Receivable Management
State: MI

Complaint narrative:
on XX/XX/XXXX I got an email of an itemized list of money owed but I never got anything in the mail, just that reply to me asking if they could send me that list which they did. On XX/XX/XXXX I replied to the XX/XX/XXXX email asking if I could get a payment plan because I hadn't gotten anything in the mail since their XX/XX/XXXX emailed list. They replied on XX/XX/XXXX shortly after I emailed them saying " Your account was sent to collections on XXXX when we didnt hear from you until XXXX. We can activate the payment plan now but your account will stay in collections until the balance is paid. When would you like us to process the first payment? '' So only 9 days after they sent me the itemized list of costs they sent it to collections so they said. I never got contacted by the collection agency or by XXXX  to try and resolve this debt so I assumed it never got sent because I never saw it on my credit report until this year. I heard through emails of another company that they spoke to XXXX and was told by the billing dept that they had written off the debt but then like I said it popped up on my credit karma account a month or so ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX  XXXX  XXXX Account number XXXX XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX , XXXX Account number : XXXX, XXXX XXXX UNIVERSITY Account number : XXXX, XXXX XXXX Account number : 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 explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX  XXXX Balance {$15000.00} XXXX  XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2400.00}

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 2022-02-28 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: LA

Complaint narrative:
Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX  XXXX XXXX  XXXX  XXXX Balance {$15000.00} XXXX XXXX, IN XXXX Balance {$3500.00} XXXX XXXX  XXXX Balance {$2400.00} XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 XXXX Inquired on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
You have violated various laws under the FCRA, and I am looking into seeking litigation as you are not taking my disputes seriously. 
FCRA 15 U.S.C. 1681a, you are required to report accurate and fair credit files. 
FCRA 15 U.S.C. 1681e : you are reporting false and misleading information FCRA 15 U.S.C. 1666b, Timing of payments FCRA 15 U.S.C. 1605, Determination of finance charge Dept/Aidvantage Acct # XXXX Dispute reason : Inaccurate payment history, Date of last payment XXXX different years, Balance update Instruction : Please update payment history current/never late or deleted the account The list of inaccurate information : TransUnion mail dispute results on XX/XX/XXXX. The investigation results verified as accurate XXXX XXXX 90 days late XXXX XXXX 90 days late XXXX XXXX  120 days late XXXX XXXX 120 days late XXXX XXXX 120 days late Transunion Date of last activity XX/XX/XXXX Transunion Balance updated XX/XX/XXXX XXXX email results on XX/XX/XXXX, the investigation results verified as accurate. They added a late payment XXXX XXXX  90 days late XXXX XXXX  120 days late XXXX XXXX 150 days late XXXX XXXX 180 days late XXXX Date of last activity XX/XX/XXXX XXXX Balance update XX/XX/XXXX PLEASE SEE ALL ATTACHED DOCUMENTS!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Synchrony/Amazon  Credit Card XXXX XXXX On XX/XX/2021 I received a refund from Amazon.com website for a Heat Press I returned to them, But BEFORE the refund from the website I paid my Amazon Store Card to a ZERO balance on XX/XX/2021. On XX/XX/2021 Amazon Store Card sent me a refund check in the amount of {$420.00} then as of XXXX AFTER issuing me a refund check they said my balance I owe was {$420.00} which is FALSE I have documentation to back this up. I do NOT owe anything as this was a refund from Amazon website. I want this resolved, I have called Synchrony/Amazon credit card company at least 10 times regarding this since XX/XX/2021 with NO LUCK or RESOLVE. 

Because of what Synchrony Bank/Amazon has erroneously done/charged to my CLOSED account it has lowered my credit score by XXXX pts, I was at almost XXXX  pts. and now because of this I'm at XXXX pts.

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