vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: CA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX and Tennessee Department of XXXX XXXX # XXXX have two different account names also two different account balance. One status say close and the other say collection/chargeoff. 
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 renortinoadency can not furnish a account without mv written instructions In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 2022-04-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX nearly a month after a forbearance was expired on the alleged mortgage, I requested a debt validation and verification from Caliber Home Loans Inc. I did so because Caliber never sent an invoice or statement regarding the detail of the alleged mortgage. Also, I request twice over the phone for a loan modification package. Caliber never sent any correspondence regarding payments until I requested a debt validation by certify record and to receive a response by certified records with 30 days of the letter date. I received the documents days past the 30 days. When I received the " debt validation '' I noticed that Caliber Home Loans Inc, did not supply all the required documents. Caliber Home Loans Inc sometimes stated that he is attempting to collect a debt, but they acted as lender in certain communication letters. They never sent a statement/invoice detailing the monthly amount to be paid. I never received a statement/invoice from Caliber Home Loans. Caliber Home Loans sent me a Notice of Default letter dated XX/XX/XXXX threatening to foreclose. In that letter they have not provided all important information such as all the information regarding the creditor, they listed the originating creditor as XXXX  and much more. Furthermore, In the notice of sale dated XX/XX/XXXX Caliber Home Loans did not provide the amount of the debt and statements that I can request validation of the debt within 30 days of receiving this Notice of Sale letter, which is a violation for 15 U.S.C. 1692g ( a ) ( 1 ) and 1692g ( a ) ( 3 ), and many more. I believe that Caliber Home Loans is attempting to collect my personal information from me in order to force me into a contract with them. I observed many inconsistencies/frauds in my inquiries into this alleged debt. Caliber Home Loans have or will be aware of some of the inconsistencies/fraud. There are inconsistencies in the commutations by Caliber Home Loans as well as the alleged mortgage assignment filed in the county clerk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: PA

Complaint narrative:
n accordance with the Fair Credit Report act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 2022-04-14 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: PA

Complaint narrative:
n accordance with the Fair Credit Report act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 2022-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My wife and I have multiple XXXX XXXX Accounts with Synchrony bank. We have a flawless payment history with them as well. They are have started repeatedly reducing out credit lines therein increasing our total usage percentage on our reports which results in a lowered credit score. We pay everyone on time and have a flawless credit history. Synchrony banks practices, without cause have been the number one reason we have seen reductions in our credit scores and they continue to do this and then use the reductions they caused to our credit scores as the reason to then do it again. This is absolutely ridiculous to people who pay every bill on time. Furthermore, the " algorithms '' that this bank and reporting agencies use are clearly designed to set up the consumer for failure. This is so unfair to people who pay ALL of their bills on time. After all, isn't that what credit is all about???? We ask that Synchrony bank restore our credit lines to their highest limits and Stop this ridiculous practice.

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 2022-04-14 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: OH

Complaint narrative:
I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I was offer free medical assistance for a year but soon as the year was over I was billed even for appointments I didnt make it to. It was sold to a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I need help with a dispute that I sent on XX/XX/2022 regarding some inaccurate things on my credit report. It has been almost 30 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I need help with a dispute that I sent on XX/XX/2022 regarding some inaccurate things on my credit report. It has been almost 30 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Vehicle Solutions Corp
State: FL

Complaint narrative:
My initial contact with XXXX and XXXX was on XX/XX/2022 when I sent a letter to both companies via certified mail that was delivered on XXXX and XX/XX/2022. After reviewing my credit report I noticed that an account from Vehicle Solutions Corp was reporting inaccurate information for alittle over a year and requested that the account be removed from my credit report. XXXX and XXXX sent me results of the investigation and stated the information was accurate however it is not and I can prove it in court that the information is not accurate. I have reached out to Vehicle Solutions on three separate occasions requesting that they remove the account from my credit reports. To date Vehicle Solutions Corp is still reporting in accurate information to my credit reports. No it is not my responsibility to tell a company what or how to report to the credit bureaus. The FCRA states that a company is not to report inaccurate, outdated, or invalidated accounts on a consumer 's credit file. It also states that its the credit bureaus responsibility to ensure that all information contained within a consumers ' credit file is accurate and free from errors. All three companies have failed to do this XXXX, Vehicle Solutions and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MO

Complaint narrative:
15 U.S.C 1681 section 602 A - Right to privacy 15 U.S.C 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1692K - CIVIL LIABILITIES XXXX  XXXX - XXXX - This account is reporting illegally and improperly XXXX XXXX - XXXX - Account should have never been reported to my credit, I also have a letter from the original saying it will be removed from credit report. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX - I have never attended this school XXXX XXXX XXXX XXXX XXXXXXXX - I have never attended this school. Letter is attached Review and delete ASAP. 

I just can't believe how you guys are verifying inaccurate and improper information, this has caused me so much stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: OH

Complaint narrative:
I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.

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 2022-04-14 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: CA

Complaint narrative:
This collection reporting to my report was once removed and the put back on my report without consent. 

Im aware that once removed by law the same account can not be reported as collection again account XXXX XXXX XXXX multiple accounts reporting to Experian

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On my TransUnion credit report I have addresses that I no longer live over 20 years on debt and addresses and phone numbers..

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is XXXX and XXXX. 

Fast forward to XX/XX/2022 XXXX and XXXX XXXX removed their negative item from my Transunion credit report. So I assumed the company responded or didnt respond to XXXX. 

Today they readded it without notification or reason.

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 2022-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
My mortgage loan was on Mortgage relief program due to my source of income got affected by Covid 19 at pandemic. Mortgage relief was called Foreberance. Therefore we are temporarily excused to pay our monthly dues for at least a year or until we can able to pay again our regular monthly mortgage. We temporarily stopped paying from XXXX to XX/XX/XXXX, however I call Flagstar Bank regular to give them an updated regarding my financial status and update them regarding my job status. 
On XX/XX/XXXX, before the said year ends, I notified them that I will be able to resume my monthly mortgage starting XX/XX/XXXX since I already got a regular job and that my financial status is already stable. Flagstar Bank sent me all the required paperwork to fill out and sign and notarized them before I send it back to them. After about 4 weeks, I followed up with them if my mortgage loan status I already current, Flagstar Bank confirmed that my mortgage loan status is back to current and that FHA has released them the money to cover all the dues during the months that I havent been able to pay. According to the paperwork that I signed, I now owe dues to FHA and not Flagstar Bank, and wil have to pay FHA loan on year XXXX or the loan can be deducted if we decided to sell the property someday. The total amount is {$29000.00}. Therefore, this amount should not appear anymore in my monthly mortgage statement since FHA have already released the money to them but Flagstar Bank is not cooperating until to clean my records. I have called them multiple times already since XX/XX/XXXX to clean my record and stop sending a separate statement under the A company name called XXXX XXXX that states I have a due of {$29000.00}. The loan statement is give to to me separately from my regular monthly mortgage statement that I should pay {$2600.00}. Whenever I call Flagstar Bank, they only tell me that they will fix it and let XXXX XXXX know about the problem and that I should not worry about it. I cant stop worrying about since they told me that it will be for 90 days. That 90 days have passed and Im receiving a statement from XXXX XXXX. It looks like Flagstar Bank doesnt seem to do what they are supposed to do. Since all my calls are recorded, they should have all the recording of all the conversations between me and their representatives. I have attached the latest copy of the statement from XXXX XXXX for their reference.

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 2022-04-14 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: TX

Complaint narrative:
I asked previously for an investigation into WHY I have 2 bankruptcies reporting on my bureau for the same case number. I was told it was investigated and they mailed me a report. A report was mailed and the only changes were an old address and a name, they did not remove the duplicate nor did they do an investigation as to why it is reporting incorrectly. I DEMAND TO KNOW WHO YOU VERIFIED WITH IN XXXX THAT TOLD YOU TO CONTINUE TWO BANKRUPTCIES ON MY CREDIT FILE ILLEGALLY!! This practice is deceptive and very much ruining my profile and causing mental anguish. I am going to sue EQUIFAX based on Permissible Purpose. Should not even be on my credit report in the first place based on 15 US Code 1681b, even more if IT IS INCORRECT and DUPLICATED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
Hello, FLAGSTAR BANK is repeating the exact error that I've already submitted to the CFPB - and the bank claimed to have resolved. 
Here is the 1st complaint filed and resolved 5 months ago to the day. 

XXXX XXXX XXXX XXXX XXXX XXXX mortgage Trouble during payment process FLAGSTAR BANK XX/XX/2021 Closed Company responded I have attached my original complaint and the resolution letter from FLAGSTAR BANK> I also included a snapshot of the new letter I received today - restarting this whole nightmare over again. 

I'm also submitting a new complaint that I have logged in and selected paperless delivery about 4 times yet I continue to receive a hard piece of snail mail, including statements, about every 3 days from FLAGSTAR BANK. I need the bank to implement paperless delivery as I have requested multiple times online.

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 2022-04-14 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: Credit Karma, LLC
State: LA

Complaint narrative:
I received an email from Credit Karma notifying me that a hard inquiry was made on my credit reporting agency named XXXX XXXXMy account has had a freeze in place since last year or longer.When I went to all three reporting agencies to examine my reports I saw no hard inquirys. Im not sure if Credit Karma is a fraud or not but they sent me the email asking if it was me. No! It wasnt me! I did not click on any links in the email but went to the three seperate credit sights desperately. I also tried to call the bank that did the hard inquiry and no matter what I said I could get no help. They prompted only for my account or social security numbers so I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: SC

Complaint narrative:
I am a victim of Identity theft and had already filed the Police report and FTC report on the items listed on the same report at my previous address. XXXX XXXX XXXX account resulted from identity theft and was already deleted to XXXX and XXXX but not Experian. I have also filed a complaint regarding this account in CFPB on XX/XX/21, but I don't receive any response from Experian and 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 non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: GA

Complaint narrative:
Hunter Warfield a debt collector calls me twice a day daily. I believe this is against FDCPA rules. the most recent calls were XXXX XXXX. 

I answered and informed the CSR that this was the 2nd call for the day. This is against the debt collecting rules. She said, oh Sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: CA

Complaint narrative:
XXXX XXXX XXXX  Account # XXXX and XXXX XXXX  XXXX XXXX XXXX # XXXX have two different account names also two different account balance. One status say close and the other say collection/chargeoff. 
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 renortinoadency can not furnish a account without mv written instructions In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights.

Company response to consumer: Closed with explanation