vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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: NJ

Complaint narrative:
I am filing this complaint because XXXX, XXXX, and Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Comenity Capital Bank and its employee 's are engaging in willful and deliberate bad faith efforts to provide me my rewards in the form of direct deposit to my outside account. 
On XX/XX/2023 I called customer service to redeem my rewards as direct deposit. ( they only redeem direct deposits by phone ). I was informed there were {$16.00} available but the cs agent insisted that another employee be brought on the call to complete the transaction. The other employee made ( yet another ) " mistake ''. This bank has made a series of " mistakes '' since taking over XXXX XXXX XXXX. In fact, I was just informed on my XXXX statement of a system error that occurred way back in XXXX!!! Nothing but problem after problem since they've had this account. 
I only received {$5.00} in the form of direct deposit after being assured it would be the full amount ( check the recording Comenity! ) On XXXX XXXX XXXX  I once again called customer service to inquire and resolve the problem. I was informed the employee from XX/XX/XXXX noted in the file they made a mistake. So, why wasn't the mistake corrected at that time if it were truly a " mistake ''? Why wasn't I informed of said " mistake ''? On XX/XX/ customer service and their supervisor refused to correct their admitted " mistake ''. When can I expect to receive my money???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have tried to remove this on my report a few times .Every time they did not send me info or give what the results were on investigation. When asked for details, I only received a bill for an amount. Please see attached letter sent certified this time .The last ones were not. As follows got nothing back but a copy of an old statement with a XXXX letterhead. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXXXXX PORTFOLIO RECOV ASSOC XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 To whom it mr concern, My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX in about of {$1300.00} .This is not my debt once again I demand you show me as follows : XXXX. Application of credit, I need to see what you are trying to collect! 
XXXX A copy of XXXX monthly statements with all charges, payments, credits, etc.from the time it was it {$0.00} until said amount? 
XXXX. What is your authority to collect this amount as I have never done business with you before. If you claim to own any debt you claim I owe, give me the full purchase agreement so I can see if I really owe this dept? 
Do not call me, or anyone else about this only. &. ONLY COMMUNICATE IN WRITING! 
If you can not show cause, remove this from my credit report or face my right to comply to the letter of the law .I believe you know what that is as well as I do .I would hope to hear from you within 10 days or expect it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: IL

Complaint narrative:
On XX/XX/2023, I received numerous letters from XXXX XXXX XXXX ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, Equifax and XXXX which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: IL

Complaint narrative:
On XX/XX/2023, I received numerous letters from XXXX XXXX XXXX ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, XXXX and Experian which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: MI

Complaint narrative:
In XXXX XXXX Selene did not pay XXXX  for our home owners insurance from our escrow. They then charged us for their own fire insurance. 

I paid XXXX to have this issue fixed before we were in insurance default and our policy was active. Selene reimbursed for the XXXX insurance but not the charges for their fire insurance. 

This is happening again Selene has not paid XXXX from our escrow and our bill was due on XX/XX/XXXX. Insurance will be in default on XX/XX/XXXX. 

Selene is nit cooperating when we have faxed and 3 way called and made numerous calls to check the status of resolving this issue. Selene has said I am NOT ALLOWED to pay my insurance bill myself. But I want and paid for XXXX through my escrow which they don't seem to be able to handle. 

I get no response but transfers to an automated insurance line when calling to verify if they have processed the payment out and XXXX says they still have not received payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: GA

Complaint narrative:
In the accordance with fair credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX - account # XXXX, XXXX XXXX  - account # XXXX, XXXX  XXXX - Account # XXXX, XXXX - account # XXXX, XXXX XXXX # XXXX, XXXX XXXX- account # XXXX XXXX  XXXX- account # XXXX XXXX XXXX -account # XXXX, XXXX XXXX- account # XXXX, XXXX XXXX -account # XXXX, Has Violated My Rights. 

15 U.C.S 1681 section 602 A. States I have the rights to privacy.

15 U.C.S 1681 section 604 section 2. It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.C.S 1681c. ( A ) ( 5 ) section States. No consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-12 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: GA

Complaint narrative:
In the accordance with fair credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX - account # XXXX, XXXX XXXX  - account # XXXX, XXXX XXXXXXXX - Account # XXXX, XXXX  - account # XXXX, XXXX XXXX # XXXX, XXXX XXXX- account # XXXX XXXX  XXXX- account # XXXX XXXX XXXX -account # XXXX, XXXX  XXXX- account # XXXX, XXXX XXXX -account # XXXX, Has Violated My Rights. 

15 U.C.S 1681 section 602 A. States I have the rights to privacy.

15 U.C.S 1681 section 604 section 2. It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.C.S 1681c. ( A ) ( 5 ) section States. No consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-12 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: TX

Complaint narrative:
Did not receive method of verification. Do not feel as though a thorough investigation was done. Please see attached document.

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 2023-06-12 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: UPGRADE, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Upgrade : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
Affirm : # XXXX, Affirm : # XXXX, Affirm : # XXXX, Affirm : # XXXX, Affirm : # XXXX and multiple other affirm accounts has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have tried numerous times to resolve this issue to no avail. AFFIRM has violated FCRA regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I received a statement ( XXXX ) from Capital One and I paid my account in full ( so I thought ). I went in to check my account to make sure it showed a XXXX balance and to my surprise there was a {$3.00} charge that they said had accrued from XXXX. I asked, how could that be and why wasn't it included in my balance on my XXXX statement. They tried to explain which only they would know how it is calculated and there is nothing on my statements other than the statement that says " Interest is accrued daily ''. They told me that I had to call to actually get a payoff amount in order for my account to have a XXXX balance. 

My concern is that no one can do the figuring on their own credit card according to what I was told. Also, if someone wants to pay off their account in full, it should be stated on the statement to " Call for an actual payoff amount ''. I have not had a problem paying off any other of my credit cards and then to see a continuing running balance because of something that is not stated on my statement. I asked for a waiver of the {$3.00} since it was not noted but to no avail. I then asked what was my payoff amount and was told it was {$3.00} if paid today, which I did. If I had not asked about the payoff amount, my next statement would have had another amount on it that I would not have known amount which could have resulted in an unpaid credit card ( if I had not checked ) and they would have reported me to the credit bureau. 

This should be made clear on your current statement that you have to call for a payoff amount. 

Any other credit card that I have paid off has been a {$0.00} balance as long as the amount of the balance showing was paid by the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 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: NJ

Complaint narrative:
I am filing this complaint because Experian, XXXX, and XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2023-06-12 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: CA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: CA

Complaint narrative:
I have been contacting Transunion along with providing proof of debt payoff but Transunion is not correcting the credit report at their ends. Transunion is report XXXX debt collection 1 is from CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX with balance of {$21000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$21000.00} whereas I have proof that shows the account is now with XXXX XXXX XXXX does not conduct servicing or debt collection activities. So, you'll need to contact XXXX XXXX  to talk about the status of your loan. You can reach them at ( XXXX ) XXXX. Best Regards, XXXX XXXX. I have settled debt with XXXX and requesting Tansunion to remove both negative balance from my credit report which Transunion is not agreeing with.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am interested in processing disputes to delete an remove all inaccurate information on my credit report that is hindering my file with transunion to correct any errors to clean my credit report up. this issue has been on going an needs to be resolved. I listed all data that is invalid an to be deleted asap.

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 2023-06-12 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent a letter out XX/XX/XXXX to XXXX, XXXX, and XXXX is my tracking number XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back.This is not making any sense. According to the law 15 U.S. Code 1681i- Procedure in the case of disputed accuracy.If the completeness or accurancy of any items of information contained in a consumer 's file at a consumers reporting agancy directly, or indirectly though a reseller, of such dispute, the agency shall, free of charges, conduct a resonable reinvestigation to determine wheter the disputed information is inaccurate and recored the current status of the dispute information, or delete item from file in accordance with paragrah ( 5 ) before the end of the 30 day period beginning on the date which the agancy recived the notice od the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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 — Investigation took more than 30 days
Company: ERC
State: TX

Complaint narrative:
I sent a letter out XX/XX/XXXX to XXXX, XXXX, and XXXX is my tracking number XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back.This is not making any sense. According to the law 15 U.S. Code 1681i- Procedure in the case of disputed accuracy.If the completeness or accurancy of any items of information contained in a consumer 's file at a consumers reporting agancy directly, or indirectly though a reseller, of such dispute, the agency shall, free of charges, conduct a resonable reinvestigation to determine wheter the disputed information is inaccurate and recored the current status of the dispute information, or delete item from file in accordance with paragrah ( 5 ) before the end of the 30 day period beginning on the date which the agancy recived the notice od the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: TX

Complaint narrative:
There is an incorrect report in my account from XXXX XXXX XXXX XXXX 
I have never used XXXX XXXX in my home and I have never stayed in the addressed.

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