vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
I noticed the reporting on my credit report back in 2021 and i thought it maybe due to error so i disputed the collection and it came back verified and i requested the steps of verification because i know i dont owe the debt and am not familiar i never received any of documents of steps for verification only a copy of a bill which isnt allowed and violation of my hippa rights i believe it may be due to fraud of identity being used i request on these basis it be deleted and hasnt i demand this be deleted off my credit file and to stop causing me negative damage to my finances.

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 2022-05-23 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: FL

Complaint narrative:
Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2022-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I called to explain that this debt was not mine. Not only was I never contacted about the debt beforehand, but I had medical insurance through my employer and my doctor 's visit was covered 100 % during the time of the " original '' debt. The rep was very nasty and ended up disconnecting the call while I was attempting to explain the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
An ongoing ( since XX/XX/13 ) online and mobile banking outage at VyStar Credit Union has left members unable to check their account balances and is interfering with their ability to make payments,

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 2022-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX Has violating my rights. 

15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 6048 section 2 ; it also states of consumer reporting agency can not furnishing account without my written instructions 15 USC 1666B ; a credit or may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose

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 2022-05-23 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 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 explanation
Consumer complaint received 2022-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
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 Inquiries that are not mine. Please remove.

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 2022-05-23 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am writing about Shellpoint Mortgage Services reporting my account to credit bureaus as delinquent during the conclusion of my Covid-related forbearance, while they were considering my loan for modification. 

My account should not have been reported delinquent. I followed every step correctly in the months leading up to the end of the forbearance period, asking repeatedly on calls and emails if I should end the forbearance early in order not to affect my credit. I was told to wait until the end of that period and that I would be given options on what to do at that time. 

It took about two months for Shellpoint to get me set up for the three-month period of reduced payments to see if I qualified for loan modification. Those three payment were made on time. Then it took another two months to receive the loan modification offer, which I was not satisfied with, so I ended up paying the full amount due and making my account current. 

The purpose of the Covid-related forbearance was supposed to be to allow people like myself, who lost most of their income during Covid, to have considerations that would NOT affect their credit. However, they reported my account delinquent even though I properly followed all the steps and was in constant communication to make sure that did not happen. 

Now I find myself wishing to sell my property and purchase another one, and I may have difficulty getting a mortgage due to the actions of Shellpoint. 

I have requested several times by phone and once in a faxed letter on XX/XX/2022, which they acknowledge receiving, that I want them to correct the information to show that my account was not delinquent during the time I was waiting for them to determine if I qualified for a modification, and then while I fulfilled the requirements for modification. 

Thank you for your assistance in getting this corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.

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 2022-05-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 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 2022-05-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent a letter on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( a ) of the FCRA requires XXXX CRA to XXXX a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days. I haven't received a response and verification 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Received a debit card from M and T bank in my name and address. I did not open this account, nor have any knowledge of the account. There is no bank in my area. The account and associated debit card are fraudulent.

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 2022-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI

Complaint narrative:
At the end of XXXX my mortgage was transferred from my previous lender to the new lender Fifth Third Bank. My previous lender sent me numerous emails and letters explaining what was going to happen and I thought nothing of it, Ive had my mortgage transferred before so no big deal. On XX/XX/XXXX the mortgage was officially transferred, and on that day I got a letter from my previous lender that they are officially no longer the people I send money to, and they automatic payments have been stopped and that the new company Fifth Third Bank will take over and send the info shortly. I waited a week and still got nothing then on XX/XX/XXXX I got my new mortgage statement for XX/XX/XXXX from Fifth Third Bank, already 9 days late telling me how much I owe, which is this month and for XXXX which is weird but fine I can pay that no issue. They tell me to go online or call, so I go in their website and try to make an account but I cant it keeps telling me to either go to a branch or call. So I try this for a few days until about XX/XX/XXXX where I say fine maybe I can go to a branch then and I can get sorted. Well turns out Fifth Third Bank doesnt have a branch in Rhode Island XXXX or any in XXXX XXXX for that matter so I figured fine I will call. Every single week day from the 18th to today XX/XX/XXXX I have tried to create an online account to no avail, and I have called them every week day thrice a day to get in contact with someone who can help me, but after 5 mins of hold I get told to leave a message which I did but still no response. Now I still currently owe XXXX $ for my two months of payments they want and I still cant pay them even while I have the money to do so because they are impossible for me to get in contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
SYNCB/PPC continues to close this account and reopen it with a different account number and report false payment information. The company agreed to close and remove this account from my credit due to fraud. I've been dealing with them and their false reporting for years and they are ruining my credit. When I call they can not find the account as the account should not exist nor can they provide original contracts or bidding documents. The last time I called they continued to hang up on me and could not provide me with any information as to why they continue to do this.

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 2022-05-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX 10. XXXX XXXX Account XXXX : XXXX 11. XXXX XXXX XXXX Account Number : XXXX 12.XXXX XXXX XXXX Account Number : XXXX 13. XXXX XXXX Account XXXX : XXXX 14. XXXX XXXX XXXX XXXX Account Number : XXXX 15. XXXX XXXX XXXX XXXX Account Number : XXXX 16. XXXX XXXX Account 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 a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I, the consumer, reached out for the second time to Comenity Capital Bank regarding a late fee of {$35.00} added to my consumer credit account ( see exhibits attached ). I mailed them a billing error letter, dated XX/XX/2022, letting them know that they are in direct violation of 15 U.S. Code 1666b and they need to remove the late payment from my consumer credit card account. ( see exhibit attached ). 

Comenity Capital Bank responded to my complaint stating they are unwilling to remove the late fee due to the terms explained in the credit card agreement. They also stated in their claim that they are required by law to report factual information to the credit reporting agencies. 


Comenity Capital Bank is in violation of 15 U.S. Code 1666d 15 U.S Code 1692j - Furnishing certain deceptive forms 15 U.S. Code 6821 ( a ) ( 2 ) - by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution ; 15 U.S Code 6823 ( a ) - In General, Whoever knowingly and intentionally violated, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Wrong address reporting on my credit file.

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 2022-05-23 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: MD

Complaint narrative:
I submitted 4 disputes to Equifax regarding late payments on my report that are not accurate. I submitted letters via certified XXXX mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Each letter requested them to investigate, and my statement was : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Following each letter Equifax responded with an updated credit report, with each account status listing : THE CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. 

Each of the 4 letters was responded to in a way that they failed to respond to my request at all : 1 ) I was not disputing the current status ; I was disputing the erroneous negative payment history ; and - 2 ) No prior payment history was updated at all. The erroneous negative payments are still showing, and they have provided no proof. 

My dispute letters are attached.

Company response to consumer: Closed with explanation