vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-12 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: MI

Complaint narrative:
According to 15 U.S.C 1681i it states i have the right to recieve a letter in the mail saying things are being disputed and investigated. experian and XXXX failed to do so. 
also 15 U.S.C 1681 ( 5 ) states i if information is found inaccurate or can not be verified it shall promptly be deleted. ALL THREE BUREAUS HAVE INCORRECT INFORMATION ON MY REPORTS ; DIRECT VIOLATION of my rights My one and only legal name and address is " XXXX XXXX XXXX '' ADDRESS IS " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX '' I demand all other incorrect info be deleted. 

in accordance with fair credit reporting act XXXX XXXX XXXX XXXX  account # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy EXPERIAN violated my rights the told me i was signing up for free credit reports but since ive not let back into my account and there is a recurring fee. XXXX XXXX AND EXPERIAN have all different things on my report inaccurate open/close dates, accounts that i did not give written insturction to furnish, accounts that are on some but not all ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), also charges from or hard inquiries from each bureau showing on my report. 
recurring XXXX EXPERIAN HAS CHARGED ME 10 times sending repeating emails when i never signed up for that and still have to recieve anything in the mail from all of the bureaus even though this expected and a violation of my rights if notXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have all violated my rights as a consumer, mainly the bureaus for furnishing this inccorect info but also taking action i did not approve of. 

15 usc 1666 a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose THIS WILL BE MY THIRD TIME TRYING TO DISPUTE W THE BUREAUS ON NOT HAVING MY CORRECT INFO AND FURNISHING THINGS ON MY CREDIT WITHOUT MY CONSENT REMOVE THESE THINGS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Commerce Home Mortgage, Inc
State: CA

Complaint narrative:
On XX/XX/2022, the consumer and his wife applied for a mortgage with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 
With the information provided to me that I would get a loan rate of XXXX. XXXX XXXX was given the green light to move forward. A credit report was pulled and an application was done. 
A rate was supposed to be locked on XX/XX/2022 with the lender XXXX XXXX XXXX XXXX 
On XX/XX/2022, a re-disclosure was issued with a rate locked /extended at XXXX they said : the rate was never locked. 
From the date of XX/XX/2022, I was in constant contact with XXXX XXXX doing everything that was asked of me and my wife to ensure that the loan would be completed on time. Day in and day out I was in contact with my loan officer. He was telling me that things were moving in the right direction with XXXX XXXX, account manager at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, but it seems she became stagnated. 
On XX/XX/2022, a new re- disclosure was issued with a rate locked /extended at XXXX they said : the appraised value and the estimated value were different. Still, the loan process failed to move forward with the lock rate approaching the expiration date. 
On XX/XX/2022, I received a call from XXXX XXXX a loan processor at XXXX XXXX lending company XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX  XXXX She said, she was going get things going and try to close the loan next week. I gave her everything she requested as with XXXX XXXX and XXXX XXXX. 
They pulled a bait and switch on XX/XX/2022, to put me in a higher loan rate, telling me the new loan rate would be XXXX. The lender would not honor the old rate. It was not any fault of my wife or me. 
We left a lender because we were promised a lower rate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
FOLLOWIN UP ON COMPLAIN # XXXX XXXX. 

BANK OF AMERICA HAVE RESPONDED TO TELL US THAT THE ISSUE IS NO LONGER THE RESPONSABILITY OF BANK OF AMERICA BECAUSE THE LOAN IS NOW AT XXXXXXXX XXXX 

BANK OF AMERICA IS LIABLE FOR THE DERAILMENT OF THIS LOAN DURING THE FINANTIAL CRISIS OF XXXX AND BEYOND. 

WE ARE SEEKING COMPENSATION FOR THIS FINANTIAL INJURY. 

DURING THE DECADE OF XXXX AND BEYOND WE APPLIED MANY TIMES TO BANK OF AMERICA FOR A LOSS MITIGATION SOLUTION. 

BANK OF AMERICA FAILED TO DELIVER. 

OUR APPLICATION FOR LOSS MITIGATION WAS STUCK FOR YEARS IN BANK OF AMERICA FILES. 

PROCRASTINATION WAS THE NAME OF THE GAME. 

NOW IS THE TIME TO FACE THE MUSIK. 

TIME IS OF THE ESSENCE. 

WE ASKING FOR JUSTICE. THATS ALL WE WANT. 

THANK YOU, XXXX XXXX XXXX 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 2022-05-12 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: TN

Complaint narrative:
XXXX pulled my Equifax credit report resulting in a hard inquiry on XX/XX/2022. I never filled out a credit application, or gave permission for my credit to be pulled. I have contacted Equifax directly twice to dispute the inquiry and have been told the inquiry is valid and will not be removed. How can the inquiry be valid if I never filled out a credit application with any bank that used XXXX morgage to pull credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: VA

Complaint narrative:
On XX/XX/2022, I sent a written dispute letter via certified mail to Experian. The account still remains and have not been fully validated. 
On XX/XX/2022, I sent another written dispute letter via certified mail and the account still remains and have not been fully validated. 
Credit reporting company : Experian XXXX XXXX XXXX XXXX TX XXXX Account being disputed : XXXX XXXX Account Number XXXX Amount {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Dates include : XX/XX/2018 Amounts : {$1200.00} Actions that were taken by the company : False and misleading information listed on my credit report. The information displayed is not Fair and equitable to me. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective federal agency. 
I am requesting that XXXX XXXX XXXX  presents debt validation, debt verification, Original Instrument, proof of owernship, as well as the bonding agent in case a suit has to be recorded in federal court. Did XXXX XXXXXXXX XXXX  creat a 1099-C on this account? This Company listed above is held liable for identify thief. If XXXX XXXXXXXX XXXX  does Not send me anything back it stands that you have Accepted my offer and moving forward also applying the Above Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Today on XXXX, myself and my partner both received threatening voicemail messages from an XXXX XXXX, who was retained to deliver notarized legal documents at my residence or work place on XXXX. If he is unable to obtain a signature, the documents will be turned over to the legal department of my county, where legal action will be brought against me. He left a number of XXXX. Regarding file number XXXX. I attempted to call and gain information regarding this debt, which they described as an attempt to collect on a best buy credit card debt that was previously sent to collections. This debt was settled, and paid in full, on XXXX with XXXX XXXX XXXX, which I have a letter from, stating that my account is now satisfied. This debt has paid in full, which no longer can be collected on, even though multiple attempts have been made. Once learning about this information, I tried to call back and get information about this company, such as their mailing address and name of their organization, only to be hung up on numerous times. Eventually my number was blocked, so I used a separate line to obtain the information that I needed to submit a complaint. I spoke with XXXX XXXX on XXXX to obtain the company name of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX at XXXX. I wish that a cease and desist be brought against this company, and any others associated with this false debt, as my account has been previously paid in full. If this company, or others associated with them, continue to harass me I am left with no choice other than to bring legal action against them. This company also contacted numerous members of my family, which has also been caused unneeded stress for my family members. This has also come during a very trying time, during the COVID-19 pandemic, which has lead to unnecessary stress on me, my family, and others. I'm concerned about my mental and physical health, with the undue stress that this matter has caused. This cease and desist order, against XXXX XXXX XXXX, was issued to be effective immediately on 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 2022-05-12 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: T.S. Holdings
State: WA

Complaint narrative:
On XX/XX/XXXX my husband opened a debt collections letter from I.Q. Data International , INC. address only to him. This was dated on XX/XX/XXXX with no post day on the envelope. The following business day XX/XX/XXXX I immediately called to dispute the debt and to clarify what steps would be needed. The letter stated that to call or write by XXXX to dispute the debt or any information that was not correct. The letter also did not clarify the original creditor and was only identify the name of the building. This debt is from unpaid cleaning and move out costs from the property management company that needs to be verified, not the name of the building. The associate, XXXX told me that the date on the letter did not mean anything and threaten that after this phone call he would go right to his manager and send this to unpaid accounts that would effect my credit score.

We sent in our dispute letter that clarified the dates that I received this notice, however, I still NEVER directly received any notice of unpaid debts, or that this was in collections. We sent in a written letter as well expedited to signature verify by the date on the notice of XXXX. Since this letter was not received with no postage mark on when it was sent, we asked the 30 days from the time I called in to immediately resolve. 

They sent this to the credit bureau that now negatively impacts my credit rating as well as my husbands. I have additionally filed disputes with the credit bureau and have been in constant communication with both property management companies to resolve this original creditor. Both management companies now do not have record of any open outstanding accounts. I respectively would like this to be reversed from my credit so I can resolve whatever outstanding payments are needing. 

Furthermore, I have emails from almost 2 years ago from the property management company that billed our account incorrectly and admitted to the wrong doing offered a negotiated priced. The account the debt collections is billing for is the full amount and not negotiated amount, probably due to the fact the management company has has multiple turnover and can not keep accurate records of billing. They have told us there is no open account at this time which I'm continually looking into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: Consolidated Information Services Solutions, LLC
State: TN

Complaint narrative:
XACTUS pulled my XXXX credit report resulting in a hard inquiry on XX/XX/2022. I never filled out a credit application, or gave permission for my credit to be pulled. I have contacted XXXX directly twice to dispute the inquiry and have been told the inquiry is valid and will not be removed. How can the inquiry be valid if I never filled out a credit application with any bank that used XACTUS morgage to pull credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12 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: CO

Complaint narrative:
on XX/XX/2022, I sent XXXX a certified letter to validate a debt they reported. I received no response so I followed up with another certified letter on XX/XX/2022 which they also received ( Ive attached the signed return receipt ). Still no response. I then sent a letter to XXXX, XXXX and Transunion requesting they verify this validity of the account as well as informing them this was a HIPAA violation. 
Furthermore, Transunion is reporting this an an OPEN account, it is a violation of FCRA to report a " COLLECTION " account as an open account. XXXX and Transunion have both noted in comments that the account was disputed, however, I have received no investigation results or proof this alleged account is mine, and TransUnion is still reporting it open. XXXX has simply not investigated nor removed the account. Ive included all letters, return receipt and copy of the credit report as 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 2022-05-12 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: NY

Complaint narrative:
New and updated information. I XXXX XXXX am submitting this complaint without any influence of a third party. Experian is knowingly and willfully illegally furnishing accounts on my consumer report without my consent. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) a consumer reporting agency may furnish to a consumer report in accordance with written instructions from the consumer. I did not give Experian consent to furnish anything to my consumer report. No consent is Identity Theft. An FTC report was sent to Experian on XX/XX/2022 and Experian stated that they are unable to honor the request because they did not receive identification. However, they removed 3 inquiries that was listed on the report. They did in fact receive identification and are not complying with federal law. Pursuant to 15 U.S.C 1681c-2 a consumer reporting agency has 4 days to block the information listed on the FTC report . Unless Experian can provide written documentation that I gave them consent to furnish to my consumer report they are fraudulently acting on my behalf. Please see attached documents as it contains my full complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: CO

Complaint narrative:
on XX/XX/2022, I sent XXXX a certified letter to validate a debt they reported. I received no response so I followed up with another certified letter on XX/XX/2022 which they also received ( Ive attached the signed return receipt ). Still no response. I then sent a letter to Equifax, XXXX and XXXX requesting they verify this validity of the account as well as informing them this was a XXXX violation. 
Furthermore, XXXX is reporting this an an OPEN account, it is a violation of FCRA to report a " COLLECTION " account as an open account. XXXX and XXXX have both noted in comments that the account was disputed, however, I have received no investigation results or proof this alleged account is mine, and XXXX is still reporting it open. Equifax has simply not investigated nor removed the account. Ive included all letters, return receipt and copy of the credit report as reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: CO

Complaint narrative:
on XX/XX/2022, I sent Commonwealth a certified letter to validate a debt they reported. I received no response so I followed up with another certified letter on XX/XX/2022 which they also received ( Ive attached the signed return receipt ). Still no response. I then sent a letter to XXXX, Experian and XXXX requesting they verify this validity of the account as well as informing them this was a HIPAA violation. 
Furthermore, XXXX is reporting this an an OPEN account, it is a violation of FCRA to report a " COLLECTION " account as an open account. Eperian and XXXX have both noted in comments that the account was disputed, however, I have received no investigation results or proof this alleged account is mine, and XXXX is still reporting it open. XXXX has simply not investigated nor removed the account. Ive included all letters, return receipt and copy of the credit report as 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 2022-05-12 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: NY

Complaint narrative:
New and updated information. I XXXX XXXX am submitting this complaint without any influence of a third party. Equifax is knowingly and willfully illegally furnishing accounts on my consumer report without my consent. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) a consumer reporting agency may furnish to a consumer report in accordance with written instructions from the consumer. I did not give Equifax consent to furnish anything to my consumer report. No consent is Identity Theft. An FTC report was sent to Equifax on XX/XX/2022 and Equifax stated that they will not be blocking the information pursuant to section 605B ( c ). They also stated that identification was not sent. Pursuant to 15 U.S.C 1681c-2 a consumer reporting agency has 4 days to block the information listed on the FTC report XXXX Unless Equifax can provide written documentation that I gave them consent to furnish to my consumer report they are fraudulently acting on my behalf. Please see attached documents as it contains my full complaint.

Company response to consumer: Closed with explanation