vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I previously disputed the following information that " PORTFOLIOA RECOVERY ASSOCIATES '' had in my consumer file : PORTFOLIO RECOVERY ASSOCIATES XXXX The above-listed tradeline was properly deleted by their incidental my dispute of it. However, a third party alerted me that you reinserted the information on XXXX/XXXX/2021. This reinsertion has caused significant damage to my credit score. As a result of the reinsertion, my score has dropped, and I am very upset about this. I have waited patiently to hear from them about why this has occurred, but I have not. It is my understanding that under the FCRA, they should have notified me about this. Specifically, they should have notified me of this in writing within 5 business days. I patiently waited over 5 business days for an explanation from them with no luck. 
As a result of their failure to comply with the FCRAs requirements, I am XXXX. They have reinserted an inaccurate and incomplete tradeline on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has marked a late payment remark on my credit report this is inaccurate and they refuse to fix this issue. My account was set up on auto pay until i lost my job. I spoke with a rep on XX/XX/XXXX. She asked if i needed assistance because she noticed XXXX bill had not been paid. My bill is due on the XXXX of every month. I sent payments in every 2 weeks until i lost my job. 3 days after i missed my payment i set up a payment arrangement that would allow me to become current for XXXX and XXXX. My next payment was not due until XX/XX/XXXX. XX/XX/XXXX XXXXXXXX XXXX  reported my open end credit plan as 120 days late. USC 1666a states open end credit plans can not be marked as late. i mentioned that to the rep as well as the fact that i was never 120 days late. I have called and spoke with several reps and no one is willing to help. Last rep hung up on me when asking why did are they mis reporting my information XXXX told me to file a complaint and file a dispute. This is unfair to me as a consumer, my information should be reported complete and accurate. I want this information deleted from my credit 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 2021-11-30 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NV

Complaint narrative:
i was out of the country, due to XXXX XXXX XXXX XXXX XXXX XXXX before i could return, i tried making the payment thru the system online, since i was out the country it didn't let me access my account, i was trying to call as well with no response from the company, as soon as i landed i paid the payment back in XXXX 2021. they have placed a late payment on my credit over this. i was never aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MT

Complaint narrative:
I purchased a home in XXXX of this year ( 2021 ). My first payment was due in XXXX and I paid my mortgage on time to the servicer which was GuaranteedRate. I later received a letter from XXXX XXXX  XXXX indicating that they acquired my loan and that, begging XX/XX/XXXX, I was required to send my payments to them and to forgo any payments to Guaranteed Rate. I contacted XXXX XXXX XXXX to confirm that they had acquired the loan ( as I had not received a letter from GuaranteedRate indicating that the loan had been sold ) and XXXX confirmed that the information that was provided in the letter was accurate and that I should pay them beginning XX/XX/2021. I therefore, paid XXXX via automatic payments for my XXXX mortgage. Since then, Guaranteed Rate sent me a letter indicating that I am delinquent on my XXXX payment and that they have no record of my loan being transferred. XXXX XXXX  XXXX is indicating that this is in error and that they absolutely acquired my loan. Ive attempted to resolve the issue and have been in contact with both mortgage providers but each of them continually give me instructions to communicate to the other provider. I feel that the consumer ( myself ), should not be the delegate between two separate mortgage companies about a transaction that they initiated without my involvement. Both companies XXXX XXXX & GuaranteedRate ) are informing me to make my XXXX payments to them and Guaranteed Rate continually indicates that I am overdue ( despite the fact that XXXX already applied my XXXX payment to the outstanding mortgage balance ). In summary, I need help determining who is the proper owner of my mortgage. I will make the payments without issue as long as I know who to make the payments to. However, as it stands, Guaranteed rate has called me repeatedly to collect payment and my credit score has dropped by XXXX points which I believe is due to the fact that both companies are showing an outstanding balance in the same amount. 

I previously filed this complaint against XXXX XXXX XXXX but since I am still receiving multiple calls from Guaranteed Rate and the fact that my credit score has been negatively impaired I reached out to the CFPB today and they recommended that I file this secondary complaint against Guaranteed rate directly. Both complaints will remain open until this issue is resolved. 


I am seeking assistance in getting the two companies to correspond so that this matter can be cleared up. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXXXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX, XXXX-Date of Inquiry 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 2021-11-30 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I made a one time purchase at the XXXX store and opened their their comenity bank card to get a discount. I am continually getting interest charges which they say they wave and no charges are pending but then every month I get a interest rate fee. I call and try to pay the fee and they keep saying no pending charges. But I keep getting a fee and interest payment bill every month. Starting from XX/XX/2021 until XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: CA

Complaint narrative:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
( LVNV FUNDING LLC ) at ( XXXX XXXX XXXX XXXX, SC XXXX ) has been calling Me, for the amount of {$3300.00}. 
After I ask multiple times to stop calling, I had to change my phone numbers XXXX times so i could stop receiving calls, now they find my new number and they call then hang up. I do not know this company. I have never done any Business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX A lady by the name of XXXX XXXX at XXXX and XXXX XXXX aka XXXX XXXX  contacted me stating that they were taking me to court if I didn't pay the debt that I owed from Moneykey. I have been trying to fix my credit so I went ahead and paid {$430.00} to settle the debt because I didn't want it to hit my credit. She sent me a letter of satisfaction of the debt and stated that they will not pursue any other action. 

Then on XX/XX/XXXX I get a call from XXXX XXXX stating that they are going to be serving me with a lawsuit that day if I didn't pay the debt that I owed for Moneykey. I forgot that I had already paid them and not wanting it to hit my credit I set up a payment arrangement and paid {$250.00}. Later that day I finally realized that I had already settled and paid the debt with them in XXXX. I called the next morning to get it resolved and get refunded and they were extremely rude stated that I have XXXX accounts for Moneykey and that I owed them. 

I called Moneykey and was advised that I only had XXXX account and NEVER had XXXX accounts with them. 

I reached back out to XXXX and XXXX consultants aka XXXX XXXX and talked to XXXX XXXX and he stated that it was untrue and they will not be refunding any money. 
I Disputed the charge with my bank account and left it alone. 

On XX/XX/XXXX at XXXX, XXXX, and XXXX I received a call from the " Attorneys office '' of XXXX and XXXX consultants demanding that I pay them or they were going to be serving me with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: KY

Complaint narrative:
Back in 2010 we were XXXX of the XXXX victims described in the Flagstar Bank lawsuit that has since been settled. We were strung along for months trying to get a loan modification, only to be denied. The entire time Flagstar Bank was telling us they were processing our paperwork, they were also going forward with the foreclosure. An agreement wasn't reached until the day before our home was to be auctioned off at the court house in our hometown. We ended up re-working the loan, which added back in all of the past missed payments, lawyers fee 's, etc. We had to take it because we didn't have a choice. The reason i contact you today, is because i have just learned of this settlement, and we were never notified. I understand if too much time has passed, but i just wanted to check on it. We were wronged, embarrassed, and suffered lots of sleepless nights and marital problems and we feel we were never given an apology of any type or Flagstar admitting any of it's wrongdoing. 

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 2021-11-30 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: OH

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX - XXXX account was never late on XX/XX/XXXX and XX/XX/XXXX You are also reporting the wrong account number XXXX VERIFY AND REMOVE INACCURANTE INFORMATION XXXX XXXX XXXX - Wrong ACCOUNT NUMBER XXXX XXXX XXXX XX/XX/XXXX Account was never late nor/Charged -off. 
XXXX XX/XX/XXXX account was never late VERIFY AND REMOVE XXXX XXXX XXXX XXXX XXXX  Wrong Account Number : XXXX XXXX - XXXX through XXXX account was never late nor charged -off XXXX - XXXX, XXXX, XXXX, XXXX, and XXXX - account was never late nor charged -off. 
VERIFY AND REMOVE INACCURANTE INFORMATION XXXX XXXX FS -Wrong account Number : XXXX XX/XX/XXXX and XX/XX/XXXX Account was never late VERIFY AND REMOVE INACCURANTE INFORMATION

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 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Collection US DEPT ED XXXX Balance {$570.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$4200.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$10000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$11000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$6200.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5100.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$9500.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5500.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5300.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$11000.00} Date opened : XX/XX/XXXX Late Close : XXXX-Balance $ XXXX Opened : XX/XX/XXXX AXXXX-Balance $ XXXXDate Opened : XX/XX/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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX ran my annual background check, checkr returned the report with a consider because theyre reporting that a ticket on my dmv report is listed as a reckless driving/negligent driving/inattentive driving offense. The violation code listed is 22106, the code is correct, their definition or description is wrong however. 22106 is unsafe stopping or backing on a highway. In multiple emails with supporting documents to show their information is incorrect, they have not fixed this issue and as a result Ive lost my ability to drive with XXXX because they believe I have a charge of reckless driving when I do not. Ive provided checkr the court summary and hard copy ticket which clearly state the correct definition for cvc 22106, and that the offense is only an infraction. No person from checkr has responded to my emails or called me, and they have just rerun their inaccurate report which isnt coming from the dmv. Ive contacted the dmv and the courts and theyve confirmed they are not reporting what checkr is stating. What is simply a clerical error has now become a major issue as any background check run by checkr makes it look like I have a misdemeanor driving offense that doesnt exist and would disqualify me from transportation minded jobs.

Company response to consumer: Closed with explanation