vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is NOT included in the consumer reports. Yet Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) on a consumer report is clear violation of the XXXX XXXX compliance. Provide me with XXXX XXXX compliance disclosure on reporting transactions to a consumer reporting agencies. I need the transactions reporting late, collections/charge off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in collections/charge off status WITHOUT MY PERMISSION and WITHOUT mailing ME A 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/chargeoffs and late payments on my consumer report are in violation under 26 US. 6050P Returns related to the Cancellation of Indebtedness but Certain Entities. If these derogatory account information is not deleted from my consumer report within 30 days, I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all entities. ALL OF THE FOLLOWING ACCOUNTS TO BE DELETED ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX inquires And all student loan accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
There are 3 problems. First this company has made accessing accounts online difficult. The reason for this that comenity Bank only has a single domain name. Ie. D.comenity.com/ whatever lineofcredit. This compromises the clients online security by forcing an individual to memorize their user name and password, keeping all comenity usernames and passwords the same ( very comprising ), or by having previous knowledge of this problem and choosing different user names that include the channel of credit ( ie. XXXX XXXX XXXX ) .password keeping apps that are encrypted and safe to use do not recognize diffrent channels of credit because the domain name is the same for all channels of credit regardless of any sublocations ( XXXX XXXX ) If there is any additional noise in the background you are unable to use the phone system to make a payment. They have been made aware of this issue through several of my phone calls ( after finally getting to a person, not being hung up on ) The second issue is that their payment systems have not been able to be accessed to make a payment at all multiple times throughout this year. Either being unable to log into any accounts all together or just unable to load any navigation beyond the landing screen. There was even a notice that was sent out that they would be making their payment processing system available as soon as possible without giving any leeway for lateness. I believe from the time that I noticed, there was going to be no account access for payment processing and the time the issue was remedied for about month, it was 2 weeks. Comenity then discontinued business with floor and decor as of XXXX XXXX. They added charges to my account that converted it revolving account and closed my account. They told me that even though I'm an authorized user on the card I was not allowed to speak with them about the account. I was told by 2 associates that I instead needed to call synchrony bank ( which was incorrect ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
A collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX was entered into my account this year. This is not my account, I do not owe this people any money and I had previously disputed this claim and it was removed from all three bureaus. Transunion is the only company to have re added this account back onto their records. When I tried to dispute it online, their webpage said I had to dispute it by mail. I have sent them three letters asking for it to be removed from my credit report and they do not respond. I have called twice and I was told it was under dispute but when i call back they have no record of it. I want it removed from my report.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-14 00:00:00
Product: Credit reporting 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: SC

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. 
Account Name : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts above have 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Request for Investigation, Rectification, and Compensation for Financial Hardship, Emotional Distress, and Mental Anguish Dear CFPB, I am writing to urgently bring to your attention a pressing issue concerning my credit report maintained by Experian. Despite my efforts to dispute and rectify inaccuracies, Experian has persistently refused to take appropriate action. This situation has not only caused financial hardship but has also inflicted significant emotional distress and mental anguish upon me. 
The inaccurate information in question " XXXX, '' has resulted in severe financial consequences, including the denial of credit, increased interest rates, and missed opportunities. I possess an adverse action letter confirming that I was denied credit due to Experian 's inaccurate information, which has had cascading effects. 
Specifically, I have been unable to obtain loans, secure a credit card, purchase a car, and realize my dream of homeownershipall due to Experian 's refusal to rectify these inaccuracies. 
Moreover, the ongoing ordeal has taken a considerable toll on my emotional well-being, causing me substantial distress and XXXX. The frustration and uncertainty associated with these inaccuracies have led to mental anguish that affects my overall quality of life. 
In addition to requesting that the CFPB investigate this matter and compel Experian to investigate and remove the inaccuracies as mandated by the Fair Credit Reporting Act ( FCRA ), I humbly request compensation for the financial hardship, emotional distress, and mental anguish I have endured as a result of Experian 's refusal to rectify the situation. 
I believe that a fair resolution should include appropriate compensation to help mitigate the adverse effects this has had on my life. I have attached copies of relevant documents and correspondence with Experian, including the adverse action letter, for your reference. 
Please let me know if any additional information is needed to facilitate this investigation and compensation request. Your prompt attention to this matter is greatly appreciated, and I trust that the CFPB will uphold its commitment to consumer protection. 

Sincerely, XXXX XXXX XXXX Enclosures : CREDIT REPORT ADVERSE ACTION LETTERS NOTICE OF DISPUTE DEBT VALIDATION LETTER PRE ARBITRATION SETTLEMENT DEMAND OFFER INITIATION ARBITRATION LETTER REQUEST FOR ARBITRATION COST LETTER AFFIDAVIT OF TRUTH

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX ( visit on XX/XX/23 ) billed me for {$28.00} on XX/XX/23 which was paid on XX/XX/23. They then billed me on XX/XX/23 for {$77.00} but the total charges are {$430.00} and the total payments are {$430.00} which equals XXXX so how can I owe {$77.00}? You can not bill for an amount due when debits and credits net to XXXX. Called XXXX  on XX/XX/23 they assured me my account was XXXX and sent me an email. I got another bill dated XX/XX/23 with the same amount due. I called on XX/XX/23 and asked for a supervisor and was told no they could help me and said the account would be reviewed by special claims. Then on XX/XX/23 I received a collection letter from NCC Nationwide. I contacted them and they noted the account regarding the dispute. I called XXXX  again on XX/XX/23 and asked again for a supervisor and was told that they didn't have any. That has to be a lie. Call Centers have supervisors. I was told the account was fixed and pulled back from collection. I asked for a new bill showing the account had a XXXX due and was told I would get an email with the bill. I have not gotten an email and I also got a collection call. I consider what they are doing to be called surprise billing and I would think this is fraudulent. I want to know why this has not been caught in an audit. If this has happened to me it has to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I'm submitting this compliant due to the negative information that XXXX XXXX XXXX XXXX XXXX has reported in my banking report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 

Description of Dispute : XXXX XXXX XXXX is reporting multiple negative accounts with my personal information such as, XXXX XXXX XXXX : Incident date : XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX reporting a negative balance of $ XXXX. 
XXXX XXXX : Incident date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX. 

XXXX XXXX : Incident date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX Fee reversal : $ XXXX. 

XXXX XXXX : Open date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting an Overdrawn account. 

XXXX XXXX : Open Date XX/XX/XXXX, Closed Date : XX/XX/XXXX Banking Routing # XXXX, Account # XXXX. Account Status : Closed for Cause-Purged of ALLY BANK : Open Date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a closed account. Reason for dispute account was never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
To Whom It May Concern, Your latest response states this account originated with XXXX XXXX XXXX XX/XX/2013 ( attached letter ). However, this alleged open date was NEVER provided in your previous dispute responses to me through the four previous CFPB cases : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. You have provided NO documentation validating this account open date. I dispute that this account was opened on XX/XX/2013, as there has not been provided after multiple CFPB cases requesting definitive proof of the account 's origins. I dispute this claim as you have NOT provided the SIGNED ORIGINAL APPLICATION or CONTRACT with the alleged date of XX/XX/2013. Do not make unsubstantiated claims about the origins and age of this account without proper documentation. -- There is NO original application or contract showing the creditor, account number, date opened, or terms. -- The unsigned statements do not prove this account was with XXXX XXXX or opened on XX/XX/2013. I dispute this unvalidated claim about the account origins as they HAVE NEVER been provided, especially with the last letter stating a XX/XX/2013 open date which was never provided after 4 different CFPB cases providing proof...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I made a complaint 2 days ago about harassing calls from Mr Cooper. I was assured the calls would stop, but I received another one at XXXX. last night. The calls, that I've been receiving for months, even though my accounts are in good standing, always demand I contact them as soon as possible, but Mr cooper intentionally makes it impossible to do that. Their chat service and phone service almost always tell me no one is available. The chat service has offered to send me a link to chat later but I have never received one. At this point, I've tried to contact them every day for over a week at this point and I've only reached a person once. 

Mr Cooper 's only suggestions are to continue to try the phone and chat systems that clearly don't work or email their customer relations email. I tried the email and all I received was the same suggestions about the chat and phone. 

They are intentionally giving me the run around and it is resulting in me receiving harassing calls every day. Again, this is for no reason, as my accounts are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is not mine 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Subject : Dispute for Late Payment Reporting on Charged-Off Account Dear XXXX XXXX Dispute Resolution Team, I am writing to formally dispute the recent late payment reporting on my charged-off account that is currently in collections. After initiating a dispute for incorrect information on this account, I was pleased to see that XXXX XXXX updated the information on XX/XX/XXXX. However, my satisfaction was short-lived, as on XX/XX/XXXX, you reported a late payment on an account that has already been charged off and is in collections. 

This late payment notation has had a significant and detrimental impact on my credit score, causing it to drop by XXXX XXXX. As a result, I have lost my pre-approval letter, which was crucial for providing for my family 's needs. This sudden decrease in my credit score is creating substantial financial hardship for me and is negatively affecting my livelihood. 

I urge you to investigate this matter urgently and rectify the situation by removing the late payment notation from my credit report. It is essential to correct this error promptly to restore my credit score to its previous status and enable me to regain my pre-approval letter, which is vital for my family 's well-being. 

I am prepared to provide any necessary documentation to support my dispute and facilitate a swift resolution. Please consider the significant impact that this late payment notation has had on my financial situation and act promptly to rectify this issue. 

I look forward to your prompt response and resolution of this matter. Thank you for your attention to this urgent issue. 

Sincerely,

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 2023-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/23 I requested to open a savings account, I provided the branch my social security card, commercial learners permit, commercial drivers license, and standard drivers license numerous times. Furthermore they asked if I can provide additional proof of address. utility, or lease agreement, or auto insurance statement. I told the customer service agent I do not have a car, nor do I own a home, the agent then requested that I get my grandmother, the homeowner to submit her license and her utility bill on my behalf. I told the agent I refuse to submit documentation that is not my own. She transfer me to her manager, then stated penfed has been dealing with a lot of fraud and losses from bills frauds so they need to verify my address to the best of their abilities. I told the agent I will provide any documentation in my possession, but regardless of how Her much fraud penfed has been dealing with the remedy to their fraud situation is never to discriminate against innocent bystanders like myself were not homeowners or car owners, and can not provide a utility bill or insurance letter. In addition to the documents, I provided I also included my XXXX XXXX bank statement and my XXXX bill both of which are in my name, and addressed to the same address on my licenses. In addition, my commercial drivers license, which they are now in possession of is was considered a real ID, a new form of identification to travel domestically or enter government buildings yet penfed continues to give me the runaround. And I was asked to submit a copy of my grandmothers utility bill with her drivers license attached I refused if this is not remedied correctly Im going to seek legal actions against penfed for their discrimination against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation