vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Spoke to Experian fraud department. 

The woman told me that any company at any time without my permission can access my credit report this is what the woman at Experian told me she works at the fraud department I called in today XX/XX/2021 in order to dispute a credit inquiry from a company that I did not know who they were I told the woman who works for Experian that the credit inquiry hard inquiry was illegal she replied what does illegal mean and would not assist me further I didnt stated that there was fraud. In the Experian fraud department woman asked me what does it mean fraud? 

I told her that an unknown unrecognized company had access my credit report for a hard XXXX and I want to dispute that hard XXXX she told me that is not possible. 

I asked to speak to her supervisor at Experian and she said the supervisor would also tell me that any company at any time can do a hard pull on my account without my authorization and without my permission. Therefore she refused to dispute the inquiry. 

She then hung up on 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
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
- My mortgage was transferred from XXXXXXXX XXXX XXXX to Sun trust around XXXX XXXX. 
- I signed up for online account access around XXXX XXXX as well as setting up for automatic payments through the Sun trust Website. I received email confirming this. see attachment - I received a letter Dated XXXX XXXX stating that my auto payment will be processed starting XXXX XXXX on the 1st of each month. - See attachment. 
- on XXXX XXXX i received email from Suntrust specifying that the payment was received, see statement. 
- on XXXX XXXX my bank ( XXXX ) showed a transaction showing an ACH withdrawal to Suntrust for my XXXX payment - see attachment. 
- on XXXX XXXX my mortgage statement showed that the payment was processed on XXXX XXXX. - see attached statement. 
- I stopped payment on check # XXXX from BIll Pay on XX/XX/XXXX from XXXX to XXXX XXXXXXXX XXXX for XXXX payment since this payment was not needed at XXXX. This check is ADDITIONAL to the ACH withdrawal that has cleared since XXXX XXXX - showing on my account on XXXX XXXX. 
- XX/XX/XXXX I received an email from Suntrust that my account is delinquent and i have been assessed a {$55.00} late fee- see attached email. 
- XX/XX/XXXX I have spent over XXXX hours on the phone trying to resolve this situation both with Suntrust and XXXX. XXXX confirmed that my payment via ACH withdrawal has been posted since XXXX XXXX and they have GUARANTEED that a stop payment on a specific check does not affect a previous ACH withdrawal. 
- I have reached a stopping point with no more progress after speaking with 6 representatives at Suntrust that can not fix the issue. I have spent about 3.5 hours just on the phone ( records available upon request ) - I am 10 days from my perfect credit being affected by the negligence of Suntrust.

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 2021-07-20 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: MS

Complaint narrative:
I have contacted Experian numerous times, bringing awareness to the incorrect information that they are reporting on my credit report. Each time they mention that they " updated '' the information, though XXXX XXXX is continuously reporting inaccurately and negatively.

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 2021-07-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
EQUIFAX Continues reporting information more than 30 days after investigation of debt verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This letter is about the following accounts : XXXX, XXXX : # XXXX, which you claim, I owe [ $ XXXXor my account was charged off {$440.00} ]. XXXX # XXXX, which you claim, I owe [ {$1200.00} or my account was charged off {$1200.00} ] .This is a formal notice that your claim is disputed. 


I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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:
This complaint is not a duplicate complaint. This complaint is strictly referenced to Experian. This is regarding The Bank of Missouri Chargeoff and how Experian has not updated the information to Paid. The Charge Off with The Bank of Missouri & the collection through XXXX XXXX XXXX are separate accounts with the same Account # XXXX. 

Account # XXXX XXXX XXXX XXXX/XXXX On XX/XX/2021, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXXi/XXXX has not been updated. I contacted Experian on XX/XX/XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and XXXX Alert reflecting that the amount was taken from my checking account by mail on XX/XX/XXXX. I spoke with a representative on XX/XX/2021 from Experian and they stated that they are unable to update the chargeoff as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX Alert reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.

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 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Unauthorized credit inquiries on my TransUnion Credit Report. I have sent two certified letters dated XX/XX/2021 and XX/XX/2021 to TransUnion asking them to remove the unauthorized accounts with no response.

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 2021-07-20 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: AL

Complaint narrative:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

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 2021-07-20 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX. XXXX, OH XXXX ) opened a fraudulent account in my name in XXXX of 2015. This Fraudulent account has been sold to a collection agency Consumer ADJ. I have tried to prevent any confusion with XXXX XXXX about this fraudulent account. I have requested that this fraudulent account be removed immediately from the credit agencies. I have tried working with the credit reporting agency and the credit grantor to have this account removed from my credit report. Right now I am seeking legal advice in addition working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or my authorization. If I am unsuccessful with this attempt. I will be forced to file suit in federal court naming the credit reporting agencies, the creditor and the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
On XX/XX/21 I sent Phoenix Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX, a request for Validation letter concerning a Medical Collection for {$900.00}. Phoenix Financial has failed to reply or Validate the account with me. I contacted the Credit Bureaus and they reply Stating Phoenix Financial validates the debt. But can't give info., on how Phoenix Financial has validated the debt. On my last credit report it was not Stated that Phoenix Financial has place my request is in Dispute. On XX/XX/21 I followed up with a Second request and still No reply also along with the Second letter I also sent a copy of the Second request to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TX

Complaint narrative:
Both XXXX and TransUnion is reporting false information on my Credit report. 
I had paid an account with XXXX and they sent a letter to XXXX  and TransUnion saying the account needs to be deleted off 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 2021-07-20 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: TX

Complaint narrative:
Both XXXX  and XXXX  is reporting false information on my Credit report. 
I had paid an account with XXXX and they sent a letter to XXXX  and XXXX  saying the account needs to be deleted off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Account Name : BANK OF AMERICA Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please remove it 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 explanation
Consumer complaint received 2021-07-20 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have sent a certified letter to Barclay Bank Delaware asking them to provide my documents bearing my signature of opening an account with them which they have not provided or responded.

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 2021-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
I have for almost 7 years received calls on the daily about 3 to 4 times. They have called my mother in regards to my debt and I am XXXX years old. They change the phone number and disguise it every time. They have reopened my case to make it look like I have made contact so they cant drop my medical debt after 7 years and says its recent as of XX/XX/XXXX which it isnt. These are from XX/XX/XXXX-XX/XX/XXXXwhen I was a minor. They just recently maid something to my house about this debt as if the phone calls werent enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: CA

Complaint narrative:
My Equifax has my incorrect name, i am trying to buy a home and can not pull my Equifax at all. They have everything correct except my last name. my name is XXXX XXXX, they have me as XXXX XXXX. They cant seem to understand after several disputes that my last name has a XXXX and not a XXXX. I mailed a couple of disputes and one stated that my ID showed my name as XXXX XXXX but still did not update it, the other one stated after they investigated my last name was correct in their system as XXXX XXXX. I called Equifax and spoke to someone and they did a verification through my phone where they asked for a copy of my drivers license and the person ahkowleged the mistake and still my last name was not corrected. after 4 dispute and fails i am not sure what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt. 3.Violation 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OH

Complaint narrative:
Opened both a Spend and a Save account with XXXXXXXX XXXX through Credit Karma. 

My account has been frozen. I have made 4 calls to a customer service rep ( in XXXX? ) and they can not unfreeze the account. Customer service supervisor stated that I need to provide additional documentation to verify my identity. Yet, I've never received a request through email or regular mail for additional documentation. I don't think they can send me a request through regular mail, because like I said, I think they're in XXXX? 

I think this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I noticed a debt for {$240.00} on my credit report from Portfolio Recovery Services LLC well over a year ago from XXXX XXXX  that is not mine. I have disputed this with the collections company for over a year now to no avail. The company has marked it as disputed on my credit report but refuses to remove it. They have gone as far as sending me a past due bill from the original creditor without any other details other than saying I owe the amount shown. I have told them over and over that these are not my charges and if they looked into the charges they would see its not mine but it just gets ignored every time and the charges stay.

Company response to consumer: Closed with explanation