vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 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: LEXISNEXIS
State: IN

Complaint narrative:
On XX/XX/XXXX I sent a dispute in writing of bankruptcy case being inaccurately reported on my credit and consumer reports. This dispute was met with a response from Lexis Nexis stating they could verify my identification and to send documentation for dispute to process. On XX/XX/XXXX I disputed the same two bankruptcies and attached evidence from the court 's website. This was sent via fax, email and mail. On XX/XX/XXXX I received a response attaching url link to view consumer report. It did not mention my dispute in any nature. On XX/XX/XXXX after no response to my two previous disputes I called an did a dispute of every item over the phone. In response dated XX/XX/XXXX to that telephone dispute I received correspondence stating " after a reinvestigation of the data in question, LexisNexis updated bankruptcy case number XXXX listed on your LexisNexis report. '' Although the reference both LexisNexis case numbers in the letter, they fail to mention the both investigations and actions. Further, they can not use a dispute to update clearly inaccurate information. They must delete any and all unverified and inaccurate information per FCRA. They have also failed to respond within the federally granted 30 days. 
They have not deleted any of my inaccurate personal information like name misspellings, incorrect/outdated addresses, and private banking and insurance information. Who my car is insured with is NOT for public record and I prefer to remain private. Who I bank with is NOT for public record and I prefer to remain private. I have not given this agency any authorization to run any form of data purchasing, sharing, selling or storing of my personal and consumer information. In their response dated XX/XX/XXXX they clearly acknowledged they discovered data was unverified. Yet used that time to update my consumer report with inaccurate information again. A criminal case can not be reported under driving record segments per the CRRG. They are simply seeking out information from internet searches of like names and addresses. This does not meet identification verification purposes per FCRA. In closing, the bankruptcies they are reporting are not even reporting in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Dear CFPB Staff, My name is XXXX XXXX. Genesis FS Card Services , Inc./Destiny Mastercard 's staff 's mistakes and lies have severely damaged my credit scores which is hindering my ability to improve my living situation. 

I made a payment on my credit card with their Phone Support Staff last month in XX/XX/2022. I did this with their staff on the phone going through the entire process going through their staff telling me their terms of service and if I agreed. I did agree. However, even though their staff told me they processed my payment their staff never did. This has resulted in an unjust and fraudulent Late Payment on my Credit Report with all the major Credit Bureaus. 

I called again last week when I discovered there was something wrong. I paid my entire bill and was informed that this fraudulent Late Payment would be removed from my report by Genesis FS Card Services , Inc./Destiny Mastercard 's staff 's staff along with my unjust late fees return. XXXX XXXX has just notified me this employee lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC
State: OK

Complaint narrative:
I have received threatening calls from a collection agency about an apartment I moved out of on good terms. I did not get a letter or email explaining what I owed or how to resolve the matter. Over the past few months the amount has gone up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: PA

Complaint narrative:
I am inquiring to remove the following info from my credit report. I am a victim of identity theft and did not authorize these charges. I've already reported the theft to the federal trade commission 's identity theft affidavit. I would appreciate it very much as soon as possible because it's a burden for me, I would like to leverage my credit and progress my financial lifestyle as soon as I'm able to remove these fraudulent accounts.

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 2022-03-19 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: World Acceptance Corporation
State: GA

Complaint narrative:
WFC is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CO

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a XXXX XXXX  arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Regional Management Corporation
State: GA

Complaint narrative:
REGIONAL FINANCE is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
I have an issue concerning 2 collections being reported to the credit bureaus in my name. The information is inaccurately reported and listed. The collection agency has never once provided me with any information regarding this debt, its origin or other history. I received nothing via mail, nothing from an attorney or any other mailed document in regard to this item. 

I am disputing under the grounds of inaccurately reported information as outlined in the Fair Debt Collection Practices Act with specificity to information illegally listed without documentation. I have disputed the information on those grounds and am asking this agency to place this complaint on the record and to assist in overseeing the collection agency in fulfilling its compliance with my request. 

I am prepared to seek legal redress for this activity and respectfully request that this complaint be placed on the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: GA

Complaint narrative:
XXXX is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.

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 2022-03-19 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: GA

Complaint narrative:
XXXX is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: GA

Complaint narrative:
XXXX is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.

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 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX XXXX, 2022 two accounts were opened with my name, my SS # on line in the state of Virginia with PENFED Credit Union. On the same day, XXXX XXXX, 2022 there were two more accounts opened on line, one savings and one checking, with my name, SS # with XXXX that I have a credit line at their local office in XXXX XXXX Florida. I have cancelled these accounts but who knows what else was opened. On XXXX XXXX, 2022 a request was summited to have my US mail forwarded to another address from XXXX XXXX, 2022 to XXXX XXXX,2022. I was notified of this while I was out of town and contacted the local Post office to stop forwarding my mail, which took them a few days to respond to this request. I contacted the office for Federal Mail Fraud XX/XX/XXXX and made them aware of the Identity Theft and asked them to assist me. I have contacted XXXX, XXXX and XXXX to freeze my credit.

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 2022-03-19 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: CO

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a XXXX XXXX arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me

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 2022-03-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It reports that I made a late payment on one account. But all my payments have been made 100 % on time.

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 2022-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
My account was assessed lender imposed homeowners ' insurance of {$2600.00} via escrow ( attachment 01 ) in XXXX due to a supposed lapse of coverage. I contacted customer service and was informed I needed to provide a declaration page for the period where the coverage was alleged to have lapsed. I provided information showing that while I did switch insurance providers, there was no lapse of coverage ( attachments 02 and 03 ). 

In XXXX I examined my statement and determined no action had been taken and contacted customer service. After speaking with the insurance group, it was indicated my new policy went into effect on XX/XX/2020 and there was an apparent lapse in coverage of approximately 26 days. My previous insurer provided the insurance agent a declaration page showing coverage during the dates in question, and the agent indicated that information was being sent to the escrow department for correction ( attachment 04l ). 

In reviewing my most recent statements, no adjustments have been made to my account ( see attachment 05 ). I contacted customer service again and was informed there was no record of escrow having received the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I bought a car from Ford motor company in XXXXI lost my job and car was repossessed. After they sold it it was left owing {$5000.00} something. 21 years later they're still garnishing my wages every time I get a new job is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I made a regular monthly payment to Mr. Cooper ( mortgage company ) in the amount of {$XXXX} which was applied correctly across the categories of Principal, Interest, and Escrow. 

Additionally, I sent a check for {$10000.00} with a payment coupon which was marked ADDITIONAL PRINCIPAL ONLY. This payment was received and posted to my account today, XX/XX/2022. But it was treated improperly and posted to next months XX/XX/2022 billing and applied to interest and escrow instead of all of it going to principal which was clearly requested. Total payments sent this month are {$XXXX} but the balance of my account was only reduced by approx {$9000.00} as a result of this error ( beginning balance {$XXXX}, ending balance {$XXXX} despite a $ XXXX principal payment plus a regular payment ). 

I contacted Mr. Cooper by phone and spoke to a representative who seemed totally confused by my question. She said she made a " correction '' but that it would take several days to take effect. I asked for my new remaining balance to verify the correction and she said she was unable to calculate it. I have checked my online account and no changes have been made. I have no confidence the change will be made and after researching this topic online, have learned this is a common mortgage company practice which is basically theft from the customer. Please help me get this corrected. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and 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

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 2022-03-19 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Unauthorized hard credit inquiry by Huntington Bank XXXX XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group
State: CA

Complaint narrative:
the superlative RM in XXXX XXXX, keep calling and text me about debt I do not owns them, after I blocked them they keep text me, want me to called them. the number they try to call me XXXX, when I log on to my SSI I acount, it shows on there I do not have open account that is collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: AZ

Complaint narrative:
I have an auto loan that was financed in house by XXXX XXXX XXXX XXXX All payments are made on time or within a 2 week period. Payments are made via debit card. Experian is showing late payments more than 9 times. I have never been late. I have disputed this with Experian but they refused to do a proper investigation according to law and just rely on the company word of mouth. If Experian followed the law they would see that XXXX is providing false information. Experian is at risk of having a class action lawsuit filed against them for failure to follow FCRA laws and for failure to conduct an investigation when a dispute is filed.

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 2022-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
At the beginning of this year XXXX, I received notice that my condo insurance provided by XXXX XXXX XXXX XXXX would be cancelled XXXX The mortgage servicer XXXX XXXX  and the condo insurance provider agents refused to speak to each other until I conferenced them in on XX/XX/XXXX. Overnight details to make payment were shared yet I came to realize towards the end of the month that a payment was never made, no attempts were made to follow up or confirm that the payment was received. I saw that {$590.00} to pay for the one year of premiums was released from my escrow account but I still had to pay to reinstate the plan out of my pocket in addition the released escrow funds. I paid for a quarter in the hopes that the money would be found. Today I received notice from the insurance provider via mail after a quarter of payment that my condo insurance policy would be cancelled again if I did not pay for the year. Once again, I paid out of pocket. But now I am out {$590.00} dollars because the escrow has not been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, I was taken advantage due to malpractice while several laws were broken under the FCRA by your company. This has caused me major financial injury and this has caused defamation of character. I have lose out on job opportunities, can not apply for credit, and I even can not apply or qualify for a SBA loan due to the pandemic. Under this crisis you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: NC

Complaint narrative:
Hello, I was taken advantage due to malpractice while several laws were broken under the FCRA by your company. This has caused me major financial injury and this has caused defamation of character. I have lose out on job opportunities, can not apply for credit, and I even can not apply or qualify for a SBA loan due to the pandemic. Under this crisis you have hurt my ability to obtain credit.

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