vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-12 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: MI

Complaint narrative:
Experian responded to CFPB complaint XXXX claiming the data furnisher was contacted regarding the collection account and that the furnisher verified the account is under collection. Experian used the automated process through XXXX and failed to review the documentation enclosed with my complaint -- they did not forward this information to the data furnisher. The documentation I submitted is the data furnisher'sresponse to CFPB XXXX on XXXX XX/XX/2022. The data-furnisher clearly states they have ceased all collection efforts. Experian disregarded/ignored the response the collection agency provided to the CFPB and instead relied upon XXXX  automatic verification.

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 2022-11-12 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  XXXX  # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My first attorney on XX/XX/2022 and again on XX/XX/2022 sent notifications to all three credit bureaus about XXXX XXXX  XXXX My latest attorney sent on XX/XX/2022 a follow up and demand to the bureaus and creditor with no reply at all. I'v called the creditor and get passed around trying to validate this account and do not have anything from them. My attorney feels this is infringing upon my rights and goes against FCRA. With no reply this must be removed off our report IMMEDIATELY before we have to take any further legal action. Please help us get a resolution.

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 2022-11-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My first attorney on XX/XX/2022 and again on XX/XX/2022 sent notifications to all three credit bureaus about XXXXt XXXX  XXXX My latest attorney sent on XX/XX/2022 a follow up and demand to the bureaus and creditor with no reply at all. I'v called the creditor and get passed around trying to validate this account and do not have anything from them. My attorney feels this is infringing upon my rights and goes against FCRA. With no reply this must be removed off our report IMMEDIATELY before we have to take any further legal action. Please help us get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: OK

Complaint narrative:
Experian has not removed the inaccurate information with evidence of the inaccurate information. I sent letters, pictures, my consumer rights that were violated and evidence of inaccurate information reporting on my consumer report. Experian is continuing to violate my consumer rights and also adding defamation of character as this inaccurate information is keeping me from obtaining credit. 

Complaint # : XXXX According to the law : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer The CFPB Sent to company STATUS Sent to company on XX/XX/2022 We've sent your complaint to the company, and we will let you know when they respond. 
Their response should include the steps they took, or will take, to address your complaint. 

Experian response : When you dispute the accuracy or completeness of information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we process your dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to verify all of the information regarding the item you disputed, and report back within 30 days of the date that we received your request ( 21 days for Maine residents and 45 days for disputes of information on an annual free credit report ). We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. 

Experian could not have done a proper investigation or re-investigation because my recent consumer report still shows INACCURATE INFORMATION. After their first, second, & third investigation my address is still wrong. Information on my credit report is still INACCURATE. Experian is reporting false and inaccurate information and refusing to abide by the law. 

I have attached all factual documents and pictures of the evidence.

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 2022-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I lost XXXX points on my credit score over a student loan that I don't have.

Firstmark service comes up with the incorrect information. My son has a student loan who is the primary owner and is still in school. Even if he is paying a little of his loan now I should not be blame or points taken away on my credit score. Please advise. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: CA

Complaint narrative:
I was Dispute Credit card XXXX XXXX XXXX XXXX XXXX maybe more than XXXX time with XXXX and I was contact to creditor more than XXXX time and explained to the This credit card open fraud and some one used my Identity fraud, I am victims on that and unfortunately today this collection goes to transaction and XXXX and heart my credit please help me to explain them this account open fraudlly and I am victims on this credit and I am not knowledge about who used my identity

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 2022-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Good morning, My complaint is against Select Portfolio Servicing , Inc . 
Since XX/XX/XXXX I've had homeowners on my residence, my homeowners insurance expires XX/XX/XXXX of XXXX. Prior to XX/XX/XXXX I had forced insurance on my residence via SPS. Once I secured my insurance for the year SPS should have stop the forced insurance. They did not instead they placed hazard insurance on me/mortgage of {$2500.00} per year which comes out to {$200.00} per month. How many different insurances do I need for a townhome? The HOA has what's known as a master insurance on all units? so why am I paying for Insurance I don't need or require? All this was explained to SPS yet they still chose to ignore my complaint. My insurance provider sent SPS a copy of my insurance and they acknowledgement receiving it but still continue to charge me for hazard insurance. From the month of XXXX until current XXXX SPS owes me {$200.00} x 6 months = {$1.00}, XXXX I would like my money refunded and not have to continue to pay hazard ins. there is also the matter of when my mortgage was modified my attorney advised then then mortgage company to take the PMI off my mortgage. SPS fail to do so. So from the time they were advised to take off the PMI I would like that money back as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: CO

Complaint narrative:
I pulled my credit report and saw that Afni had a collection account on my credit report. On XX/XX/22 I sent them a letter stating that I received a copy of my credit report and unbeknownst to me they had placed a collection on there without sending me any validation information prior to doing so. Per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 1006.34 Notice for validation of debts. a debt collector must provide a consumer with the validation information. Which they failed to do. 

Its been more than 30 days and I have not received a response from them. This is NOT my account, this is NOT something I owe. 

Ive included the certified letter that was sent and received by AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I would like to file a complaint about Loan Care mortgage company. I have previously filed a complaint about this very same issue ( XXXX ) but I don't believe it was properly investigated. I believe because of my original complaint with the CFPB that it was rushed and not thoroughly looked into. My original complaint is about a payment I made on XX/XX/XXXX that came out of my bank account on XX/XX/XXXX. I have attached a letter from my bank confirming that. From loan care 's end they reversed the transaction but I never received a refund. That payment was to be applied to XX/XX/XXXX. In their response to my first complaint they said that it was applied, but the payment history ( attached ) they sent me shows that my next payment made on XX/XX/XXXX which was a double payment was applied to XX/XX/XXXX and XX/XX/XXXX. I tried to reach the case worker multiple times to try to resolve this issue but have never been able to make contact with her. I have since opened a new ticket with loancare on XX/XX/XXXX but have not been able to talk to anyone who knows what is going on with this issue. It has been over 2 months and I have not had any resolution to this matter. It feels like they have stolen XXXX dollars from me and left me in a bind and that they want to take my house. I would just like this matter resolved and my mortgage statement brought up to date.

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 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: HI

Complaint narrative:
I lost access to the accounts and phone numbers that are the login credentials. After repeated attempts to access the account with the help of customer service i was told that access to the account or the funds would not be possible and they could provide no further information. The irs direct deposited XXXX dollars in the account in question and i need to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX  XXXX has reported a credit card on my report as a charge off. The first delinquency was in XXXX  and the account is now listed as a charge off. They recently on XX/XX/XXXX reported to Equifax a comment added Variable/Adjustable Rate . Equifax dropped my credit score by XXXX because of this comment. There is no variable or adjustable rate, this is a charge off. This account is not accruing interest, its not an active card that can accrue issue. Reporting this comment to an account that is no longer active is illegal and inaccurate. They have already added that it is a charge off which allows my credit score to drop. Adding this additional comment allowed my credit score to drop even more. This is account is charge off written off as a loss there should be no additional comments added except that it is still delinquent. XXXX XXXX  also stated to me during a recent phone that they have sold my account but they have not listed on my credit report who my account was sold to and they have not notified me that my account was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been trying to get the XXXX charge off of my report as it was FRAUD and reported as such. I have contacted all three credit reporting companies with no such luck. I have sent XXXX the police report and they still wont remove this from my report. THIS SHOULD BE REMOVED!!!!!

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 2022-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Account status reporting as closed whith payment status of paid as agreed by XXXX XXXX, XXXX reports current while XXXX is reporting charge off the date last report it is in accurate XXXX XXXX and XXXX reporting as XX/XX/XXXX while XXXX reports XX/XX/XXXX. Date last active reports at XX/XX/XXXX by both XXXX  and XXXX XXXX while XXXX is reporting XX/XX/XXXX. 
payment history is reporting consecutive charge off by XXXX there is no way that all three accounts can be right if information is coming from the same furniture data for that reason I demand that you delete immediately as account on credit report is reporting incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One wrongly did a derogatory mark on my credit knowing that the case # XXXX and # XXXX on cfpb was in my favor. According with the last statement I did not have to pay what they were wrongly charging me but also they gave me MONETARY RELIEF AMOUNT of {$320.00}. Even with those cases was in my favor Capital One still decided go ahead and charging me anyways and on top of that they put a derogatory mark on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, XXXX I sent Caine and Weiner a letter to validate an account they have placed on my credit report that is NOT mine. It is now XX/XX/2022, and I still have not received a response. Ive included the certified letter I sent as well as the credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
on XX/XX/XXXX money was transferred to my fraudulent account. 
I have been a customer Bank Of America for over 24 years my account was compromised a couple months ago instead of the bank closing a compromised account they told me to open up another individual personal account that is not linked to continue banking with them unfortunately the bank decides to go into my independent account and withdraw transfer money to the fraudulent to satisfy the fraudulent account they are not willing to help me I need help desperately. 
Warm regards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
The list below was payment settled in full as of XX/XX/2022, I have disputed the balance with Equifax Credit Report. They have not update the information. I have attached the settlement letter. 
account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
to whomsoever it may concern, this is in reference to your most resent response for the alleged debt on XX/XX/2022. 

according to 15 USC 1692a, congressional findings or declaration of purpose, you hereby informed that as a result of your fraudulent practices with the intention to cause harm, i have suffered mentally as well as financially. 

your company and its agents harassed me for a alleged debt that was not even validated. your company shared statements as well as a consumer contract as evidence of the debt. but as per the judgment in the case of pacific concrete F.C.U v. Kaunanoe a copy of a consumer contract is not sufficient evidence of a debt. 

Notice : please give me the full accounting of the debt how much you paid for the debt. 
produce a contact with me and you that shows i have business to be even speaking with you. 
cease all communication

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have only one phone number As I look on my XXXX, transunion and XXXX I see unknown phones that doesnt belong to me the only phone number tha should be listed is 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 2022-11-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax continues to report XXXX XXXX and XXXX XXXX accounts as DEROGATORY AND COLLECTION/CHARGEOFF when these accounts have been settled aND PAID. The account status and payment status should reflect PAID AS AGREED AND PAID AND CLOSED. I have disputed this issue with the CFPB and still have not received any help. Equifax continues to violate the law and violate my consumer right to have the accounts reported correctly. I have attached yet again a current copy of the credit report direct from Equifax which shows they are incorrectly reporting these XXXX accounts as derogatory when they should reflect current and paid. I am now forced to hire a consumer attorney and sue the credit bureaus to fix this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
XXXX XXXX has damaged my credit and I know no knowledge of this debt. They have not provided any documentation proving I owe this debt. 

I will need dates, my actual name, and signature authorization to this amount of debt owed. 

If not I ask they please cease all actions to destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have been a Macy 's credit card account holder for more than 10 years, but hadn't used my card in around a year or more. I was in a store and asked if they could look up my XXXX so I could use the available coupons. The associate said, oh your card is expired, I'll just need a bit of information to re-activate it. This was completely inaccurate, she was actually signing me up for an entirely new XXXX with a new XXXX number. I was actually applying for new credit without understanding that I was applying for new credit. This is a very deceptive practice. If I was informed that I would have to re-apply for new credit I would have declined. This happened in XXXX or XX/XX/2022 at the Macy 's store in XXXXXXXX KS.

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