vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-05 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: PA

Complaint narrative:
In response to CFPB complaint # XXXX regarding account number XXXX XXXX XXXX stated " upon receipt of your complaint a thorough investigation was completed. I would like to know how your investigation was completed. 
XXXX stated " Statements were uploaded to the account online and can be viewed through our website or mobile app. Emails were also sent advising of the past due payments and that if the account went 30 days past due it would be reported to the credit agencies. I am unaware of such notice. And I also did not get a notice to opt of credit reporting. If such notice was sent I will need confirmation such as a certified letter with return receipt with a tracking number. I believe that the charges are inaccurate and I will need you to cease communication in regards to this alleged debt. ( see cease and desist letter attached ). I am aware of 15 U.S.C. 1692g ( a ) ( 1 ). allows me to request the amount of the alleged debt and how the amount of this alleged debt was calculated. Please keep in mind that this is only a request for validation of the amount of this alleged debt. Please be clear on where the debt originated, how it was calculated and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information. I am only requesting the alleged amount of this debt you claim I owe and how it was calculated. If for any reason you can not provide me with this information I will need XXXX XXXX to clarify this as a billing error. Also keep in mind that the account should be updated to PAID AS AGREED. 
I am aware that the reporting of negative information to a consumer reporting agency is a direct violation of 15 U.S.C 1681s-2. 
I never gave consent for XX/XX/XXXXXX/XX/XXXX to report any negative information to any consumer reporting agencies, and be aware that AGGRAVATED IDENTITY THEFT CARRIES A TERM OF 2 YEARS OF INPRISONMENT. 
Any payments made to this account shall be returned immediately. 
Best regards XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: PA

Complaint narrative:
In response to CFPB complaint # XXXX regarding account number XXXX XXXX XXXX stated " upon receipt of your complaint a thorough investigation was completed. I would like to know how your investigation was completed. 
XXXX stated " Statements were uploaded to the account online and can be viewed through our website or mobile app. Emails were also sent advising of the past due payments and that if the account went 30 days past due it would be reported to the credit agencies. I am unaware of such notice. And I also did not get a notice to opt of credit reporting. If such notice was sent I will need confirmation such as a certified letter with return receipt with a tracking number. I believe that the charges are inaccurate and I will need you to cease communication in regards to this alleged debt. ( see cease and desist letter attached ). I am aware of 15 U.S.C. 1692g ( a ) ( 1 ). allows me to request the amount of the alleged debt and how the amount of this alleged debt was calculated. Please keep in mind that this is only a request for validation of the amount of this alleged debt. Please be clear on where the debt originated, how it was calculated and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information. I am only requesting the alleged amount of this debt you claim I owe and how it was calculated. If for any reason you can not provide me with this information I will need XXXX XXXX to clarify this as a billing error. Also keep in mind that the account should be updated to PAID AS AGREED. 
I am aware that the reporting of negative information to a consumer reporting agency is a direct violation of 15 U.S.C 1681s-2. 
I never gave consent for XXXX XXXXXXXX to report any negative information to any consumer reporting agencies, and be aware that AGGRAVATED IDENTITY THEFT CARRIES A TERM OF 2 YEARS OF INPRISONMENT. 
Any payments made to this account shall be returned immediately. 
Best regards XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In response to CFPB complaint # XXXX regarding account number XXXX XXXX XXXX stated " upon receipt of your complaint a thorough investigation was completed. I would like to know how your investigation was completed. 
XXXX stated " Statements were uploaded to the account online and can be viewed through our website or mobile app. Emails were also sent advising of the past due payments and that if the account went 30 days past due it would be reported to the credit agencies. I am unaware of such notice. And I also did not get a notice to opt of credit reporting. If such notice was sent I will need confirmation such as a certified letter with return receipt with a tracking number. I believe that the charges are inaccurate and I will need you to cease communication in regards to this alleged debt. ( see cease and desist letter attached ). I am aware of 15 U.S.C. 1692g ( a ) ( 1 ). allows me to request the amount of the alleged debt and how the amount of this alleged debt was calculated. Please keep in mind that this is only a request for validation of the amount of this alleged debt. Please be clear on where the debt originated, how it was calculated and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information. I am only requesting the alleged amount of this debt you claim I owe and how it was calculated. If for any reason you can not provide me with this information I will need XXXX XXXX to clarify this as a billing error. Also keep in mind that the account should be updated to PAID AS AGREED. 
I am aware that the reporting of negative information to a consumer reporting agency is a direct violation of 15 U.S.C 1681s-2. 
I never gave consent for XXXX XXXX to report any negative information to any consumer reporting agencies, and be aware that AGGRAVATED IDENTITY THEFT CARRIES A TERM OF 2 YEARS OF INPRISONMENT. 
Any payments made to this account shall be returned immediately. 
Best regards XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
To whom it may be a concern : I had a loan with Homepoint for around 1 year on address XXXX XXXX XXXX, XXXX CA XXXX. I have setup Autopay from my Saving Account and I have been paying my loan via autopay with no issue. Refer to my document attached for # XXXX 

My XXXX  score has been over 780 for many years until my loan was sold to XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. I have received letters that XXXX has bought out my loan. Refer to my document attached for # XXXX, # XXXX, # XXXX. The letter clearly say the notice requires no action on my part, assuming the autopay will continue. 

Until I found out my XXXX score dropped in XX/XX/XXXX from my XXXX  XXXX XXXX report and found it the autopay was not working. I have immediately pay off all my outstanding payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I found XXXX XXXX XXXX has not reached out to me for this issue and resolve. 

I filed a credit review to XXXX  and not able to resolve this. Please refer XXXX 's response on # XXXX, # XXXX and # XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: Affirm Holdings, Inc
State: VT

Complaint narrative:
Initial Date of Debt - XX/XX/XXXX Original Debt Amount - {$660.00} Remaining Balance - {$680.00} Company - Affirm LLC Bank Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX XXXX  XXXX Bankruptcy Bankruptcy Filed - XX/XX/XXXX Amendment Bankruptcy Filed - XX/XX/XXXX Bankruptcy Order of Discharge - XX/XX/XXXX - Judge XXXX XXXX I initially contacted the company on XX/XX/XXXX inquiring that this debt was included on my list of discharged debts, from my bankruptcy that was discharged a few months prior. I received an email from XXXX XXXX, stating that and I quote from the email " I can confirm that loan ****** was charged off on XX/XX/XXXX. Per the records provided your bankruptcy was filed on XX/XX/XXXX, and this debt was included '' after that email I submitted a dispute with the XXXX Credit Bureau, It was received back that the information was correct on my credit report and it remains. 

On XX/XX/XXXX I messaged Affirm Customer Service inquiring about this again why it still remains on my credit report as charged off and nothing noted as being Discharged thru XXXX  XXXX Bankruptcy like the other loans I had from the same bank. 

On XX/XX/XXXX I received a reply back from XXXX XXXX, from Affirm Help Center stating and I quote " Due to you notifying us of your concern, we are conducting an investigation to ensure that any inaccuracy is corrected. '' On XX/XX/XXXX I was contacted again via email by XXXX XXXX from the Affirm Help Center and it stated " We have investigated any credit reporting implications as a result of your recent claim, and have taken steps to ensure that your credit report is accurately updated. Please allow 3-5 days for this to update on your XXXX Credit Report. '' I replied with inquiring what the update was on the same day with no response till XX/XX/XXXX On XX/XX/XXXX I received an message from XXXX XXXX, from the Affirm Help Center and it stated " I am reaching out regarding the credit reporting for your Affirm loan *********. I understand there was confusion regarding this and i'd be happy to clarify this. ******, we have taken steps to ensure that your loan *********** was correctly reported to the credit bureau as having been included in your bankruptcy. '' I submitted at least twice to XXXX that this account should be showing as Discharged with XXXX  XXXX Bankruptcy, and every time they investigate the dispute it comes back with " Please Contact XXXX XXXX '' and will still show as remains. Most recent report generated by XXXX on XX/XX/XXXX it still shows on there as it was certified to XXXX that the report and information accurate when all of the other accounts from the same bank and same debtor all show " Discharged through Bankruptcy XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had a XXXX account show up on my credit report from XXXX XXXX XXXX. I have no knowledge of this account, never opened an account with them, never authorize them to have any of my personal information, and never signed or gave them my social Security number. I have no clue what this account is and feel it could be identity theft or the company has my confused with someone similar

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 2022-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 as I was applied for a XXXX card and got denied. When I called the company to find out why did I got denied for credit, they told me that I have a collection into my credit. Than when I called credit reporting agency and got my report, found out Southwest recovery had place a collection in my account which is I was not aware off. than I called them to find out why they where reporting me to the credit bureau, and they had told me I signed up to received credit card for my company. I told them that they mistaking me for someone else because for the life of my business I have never accepted credit card that it was not me. they sent me a contract that was supposed to sign by me and I told them someone had done that, it was not me. they still don't want to take it off. So I am asking your to help me with this. 
their number is XXXX please let me know what can your do

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: MN

Complaint narrative:
in accordance with the fair credit reporting act convergent Account XXXX XXXXXXXX XXXX and Rent XXXX Has violated My rights. acc dates XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 


15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a accountant 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 2022-06-05 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: MN

Complaint narrative:
in accordance with the fair credit reporting act XXXX  Account XXXX XXXXXXXX XXXX and XXXX XXXX Has violated My rights. acc dates XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 


15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a accountant 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 2022-06-05 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: PA

Complaint narrative:
Equifax is reporting a collection account from XXXX XXXX XXXX on my personal credit report. This info is not mine and must be from ID theft or reporting on my reporrt when is is someone similar

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: MN

Complaint narrative:
in accordance with the fair credit reporting act XXXX, Transunion, XXXX XXXX has violated my rights. by reporting, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy chapter XXXX. AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a accountant with out 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 2022-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Midland Credit Management : 1 ) Is still reporting on my credit file illegally. 

2 ) Them removing themselves after confirming the original creditor has been paid, is not contingent on whether they get paid. this has nothing to do with me. Thats an issue between them and XXXX who they had a contract with. 

3 ) They also refuse to remove them selves as a form of retaliation. 

4 ) Should be fined at the highest possible level for retaliation, false reporting, and lying to the CFPB. 

5 ) Fined for not immediately removing themselves from my credit file, by continuing to do me serious harm credit wise. My credit score is lower because of this intentional false information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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: MN

Complaint narrative:
in accordance with the fair credit reporting act XXXX, XXXX, Equifax XXXX has violated my rights. by reporting, XXXX XXXXXXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a accountant with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: MN

Complaint narrative:
in accordance with the fair credit reporting act Experian, XXXX, XXXX XXXX has violated my rights. by reporting, XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a accountant with out 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 2022-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I opened an account with Citi Bank on XX/XX/XXXX with an introductory offer that promised a {$700.00} bonus deposited to the checking account if certain terms were met. The terms were to deposit {$50000.00} into the account within 10 days, and keep the funds on deposit for 60 days, and then the bonus would post 90 days after that. I met all of the terms of opening the account, but Citi has not posted the bonus to my account. 

I reached out to Citi on XX/XX/XXXX to confirm that I had met the bonus terms and ask when I can expect the bonus to post, since it was already late in accordance with the terms. On XX/XX/XXXX, the Citi customer service rep confirmed that I had met the terms of the bonus and that I would receive it by the end of the month ( XXXX ). It is now XXXX, and I haven't received the bonus in accordance with the terms.

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
Consumer complaint received 2022-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I opened a PayPal digital credit card account. All was fine until I received a notice that my account had been closed. I made several account payments which were documented in the system. 

I called my bank as instructed by a PayPal representative because they were stating that it was my bank and not their system. I did and my bank conducted a series of test and came to the conclusion that it was definitely PayPals system. I spoke to several PayPal representatives and explained the issue. My XX/XX/XXXX account checking account could not be attached to PayPals wallet. 

Without notice from PayPal my account was closed! There reasoning for closing I never received any prior notice. Also, I noticed I was receiving notices that payments were received from PayPal. They are claiming they never sent those notices!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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:
N accordance with the Fair credit reporting act XX/XX/XXXX Accounts # XXXX XXXX XXXX, # XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) # XXXX XX/XX/XXXX# XXXX # XXXXXX/XX/XXXX # XXXX XX/XX/XXXXXXXXXX/XX/XXXX # # XXXX XX/XX/XXXX XX/XX/XXXX # XXXX XXXX and XXXX XXXX has violated my right to privacy. 
15 U.S.C 1681 Section 604 A. States I have a 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

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 2022-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I have contacted company directly to try resolve matter and their attorneys. I offered to pay an agreement or pay what the property is worth after they do an interior appraisal. I can get financing from other sources. I have family members willing to assist me. Although the bank knew and knows that I am the deed holder. They have not afforded me a post Covid conference, amended me to foreclosure or any other required provisions in banking law for foreclosures. I am not sure if this loan is a FHA Loan. I Have not been able to ascertain any proof of debt from lender or their attorneys.

Company response to consumer: Closed with explanation