vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX account # XXXX was Open XX/XX/2018 is reporting inaccurate information on my credit. Per my agreement after closing and paying off the account all negative marks will be removed but its reporting different on my credit. The account is not a collection and hasn't been recently updated, Please update my report to show verification, if the account can not be verify remove it.

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 2022-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
I took a an installment loan with American First Finance back in XXXX. I made all of my timely payments and when I called them to give my new card information they advised me it would be updated right away for my next payment for the following month. When the month rolls around and I notice that payment was not taken I called them to get issues resolved. I was told by a representative by the name of XXXX that someone would call me back with an update of why my account was not updated with correct card. As days went by I decided to call back and each time I called I was told someone would reach back out to me. It never happened and when I saw the company reporting on my credit report to XXXX I called American First Finance and requested they fix the issue and remove the negative late payments off of my Transuion report. They advised me it was an error on their part and update with XXXX. It has still not been updated and I ask to speak with a supervisor they never put one on the phone. I was told to send a dispute letter the company and they would research it and fix the problem. They sent me a letter stating they were reporting accurately which was incorrect. I asked then to listen to the calls that I made and they stated there were not any phone calls recorded. This has caused XXXX XXXXXXXX and preventing from trying to save our home because of negative account information. The company is located at XXXX XXXX XXXX XXXX, TX XXXX. If they do not update then I will seek legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2022, {$15000.00}, I called the company to let them know I didn't authorize a wire transfer of the funds out of my account. I could see that they had the funds pending at that time. I was told that the funds wouldn't leave my account sense it had been flagged as fraud. Than my account was locked and I couldn't log in anymore. when I went down to the bank the funds had been transferred from my account. And they declined to refund me the money. Talking about I know the person. Which is a lie in itself. So I filed for a appeal for them to review the case again. Got a email today XX/XX/2022 and they said they still declined to hive me the funds back

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just recently checked my credit report and found that there is inaccurate accounts being reported that is not mine, I am aware that these credit reporting agencies are not supposed to be reporting inaccurate 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 2022-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Im being harassed by comenity bank. They are calling 5-10 times a day over a fake debt collection. 

I returned the items they claim I owe money on on XX/XX/2022 at the XXXX store in XXXX, Indiana. 

They have charged a late fee for returning the items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Back on XX/XX/XXXX I contact CFPB regarding a complaint, ( XXXX ) against XXXX now XXXX. The agency has negligently reported me as delinquent 90 days twice and sense then re-aged the delinquent dates to keep the delinquency current. In the response to the CFPB complaint on XX/XX/XXXX, XXXX admitted and clearly identified the two 90 Day reporting as XX/XX/XXXX and XX/XX/XXXX although still false, they have w now reaged to delinquencies to XX/XX/XXXX and XX/XX/XXXX. The company has clearly maliciously reported this information to all three bureaus TransUnion, XXXX and XXXX, although XXXX is reporting XXXX in XXXX of XXXX, which has caused damage to my credit ultimately affecting me financially as well. I have disputed this information through the credit dispute process on 3 occasions and all three bureaus refuse to make the proper corrections which is a clear violation of the FCRA.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Back on XX/XX/XXXX I contact CFPB regarding a complaint, ( XXXX ) against XXXX now XXXX. The agency has negligently reported me as delinquent 90 days twice and sense then re-aged the delinquent dates to keep the delinquency current. In the response to the CFPB complaint on XX/XX/XXXX, XXXX admitted and clearly identified the two 90 Day reporting as XX/XX/XXXX and XX/XX/XXXX although still false, they have w now reaged to delinquencies to XX/XX/XXXX and XX/XX/XXXX. The company has clearly maliciously reported this information to all three bureaus XXXX, XXXX and Equifax, although Equifax is reporting XXXX in XXXX of XXXX, which has caused damage to my credit ultimately affecting me financially as well. I have disputed this information through the credit dispute process on 3 occasions and all three bureaus refuse to make the proper corrections which is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/22, I discussed the potential that phony accounts may have been reported on my consumer file with representatives from XXXX, XXXX, and Transunion. I begged them to delete the accounts because I didn't know how they got there or anything about them. All three businesses gave me the go-ahead to submit paperwork and complete an FTC report XXXX On XX/XX/22, submitted my letters via certified mail. The accounts were somehow " confirmed, '' despite the fact that they are not mine and had been on my report for more than 30 days after I sent my letters. This problem has me baffled and irritated since it prevents my family and I from being able to purchase. On XX/XX/22, I called all three companies once more and asked how they could establish that these accounts belonged to me. They only stated that they were unable to assist any further and advised me to contact the creditors directly. It didn't surprise me when I made an effort to get in touch with each creditor who had been erroneously asserting on the consumer file that they were unaware of me or the accounts. I had run out of options, so I went online and found the CFPB website, which some of my friends had advised would be helpful in my circumstance. I sincerely hope that this is helpful since my family and I are trying to apply for a house.

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 2022-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
I am the home owner and XXXX  of a property. I went under contract with a customer that was using Planet Home Lending in Ohio. The buyer, as per the contract, submitted to me {$2000.00} in due diligence money. The mortgage closer from Planet Home Lending advised all parties Regarding the {$2000.00} XXXX, I apologize for any confusion, but I did not state this is a simple removal just that the funds are not verifiable and will need to be backed out of the transaction and returned to the borrower. The borrower will need to come in with the additional {$2000.00} at closing for the buyer. The Due Diligence deposit of {$2000.00} was money paid directly to the seller, me. This deposit has been a part of the contract from day one. The mortgage loan originator for the buyer stated, " the seller is going to keep the {$2000.00} that the buyer already paid. We just need an amendment for an additional {$2000.00} in seller credits so that we can put that towards the loan and keep the cash to close the same and so that everything is a wash. '' We obliged and agreed to change the contract as requested, under the written notice that I, the seller, would get to keep the $ XXXX that was already received. When the sale was canceled, the buyer and her realtor demanded full refund of the due diligence money as the contract no longer stated that it was in the contract. After speaking to legal representation from my realtor, we were advised to return the funds and look at options to recoup the lost money. 

Attached is the written communication stating what I have previously written above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

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. Account name : # 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 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 agency can not furnish a account without my written instructions 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 a account with 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The consumer reporting agencies refused to block the fraudulent accounts that was proven to be fraudulent. an identity theft report was sent on XX/XX/2022 according to 15 USC 1681c ( a ) and the consumer reporting agencies failed to perform there duty pursuant to 15 USC 1681c ( a ) they also refused to send me the proof of the investigation Of the names and people they communicated with and sworn statements that is required for verification. Fraudulent accounts are attached to this complaint and FTC identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently checked my credit report and saw that there is inaccurate accounts being reported that is not mine, I understand that these credit reporting agencies are not supposed be reporting false and inaccurate 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The account in reference is my XXXX Bank Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue XXXX : Date of last payment [ Transunion shows XXXX XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX shows XXXX XX/XX/XXXX ] Issue XXXX : Account numbers differ ( see attachment ) Issue XXXX : Date closed details [ Transunion shows XXXX XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX shows no date/info ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general 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 reinvestigation.

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 2022-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
in the process of refinancing my loan, of which we fell behind. I sent forms required by the mortgage company, filled them out, sent them ( fax ). this was XX/XX/2022. Mortgage wanted more information and complied three week later. Again in XXXX did not hear from the morgage company. They sent my an email dated the XXXX XXXX stating the process did not go through. I reapplied sending more of my personal information to reopen the refinancing process. First week in XXXX no update status. The mortague company is evaluating what i have submitted. On XXXX XXXX, the mortgage lawyers have sent to the court a citation of forecloresure to the XXXX XXXX XXXX court. This citation was issued when i and the mortgage company were negotiating restructure of my home loan. i owe {$150000.00} to the loan. It is policy to issue a foreclosure during restructure of a home loan? I am not trying not to pay, i want to continue live in our home. I have talked to the loan company, and it was said that the loan restructure is still in place and forclosure was delayed until an offer was given. I have talked to realestate Lawyer to help me in the proceedings.

Company response to consumer: Closed with explanation