vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have requested that these late payments to be removed because I was never late on paying off these accounts.

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 2024-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
I called XXXX XXXX XXXX requesting for information a closing I had with her. There was information about my closing that was not disclosed. XXXX XXXX XXXX was very rude, disrespectful, and uncooperative. I informed XXXX XXXX XXXX that I would write a letter. I wrote XXXX letters and I also requested for XXXX XXXX XXXX to provide her Bond and insurance information which she refused. I wanted to make a complaint here before I pursue further actions to show that I have tried to reach out in several ways in many attempts to resolve this matter. XXXX XXXX XXXX who has sworn to serve the community and has failed to do so. XXXX XXXX XXXX has failed to provide information that she has a duty to provide to the public upon request.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Can you check the document? Some of these accounts are inaccurate and I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
MULTIPLE ATTEMPTS WERE MADE TO 21ST MORTGAGE COMPANY ON REGARDS TO PAYMENTS THAT WERE BEING MADE, I WAS REQUESTING STATEMENTS OF PAYMENTS ( RECEIPTS ) TO KNOW WHERE WE STAND ON PAYMENTS/MORTGAGE. 21ST MORTGAGE COMPANY REFUSES TO SEND ANY INFORMATION VIA MAIL, EMAIL OR ANY TYPE OF PROOF AS TO WHERE MY PAYMENTS ARE GOING AND HOW MY HOME LOAN IS BEING PAID OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are late payment remarks and update it to positive.

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 2024-04-15 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 Account XXXX has violated my rights. Or a list of inquiries : 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 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 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The debts attached to my social security number were not made by me. I have never opened a credit card in my name and have never been able to because of these debts. The dates these were originally opened were before I was of the age of XXXX, and legally allowed to open a card in my name. I only found out about these a while ago and have been trying to dispute this clear identity theft. The only accounts I have opened were loan accounts for student loans and XXXX. I have begun to or paid off anything that is mine and made with my knowledge and always will. Anything else is not my responsibility and never has been! Many of the addresses on the accounts are incorrect. My Date of birth is also incorrect as I was born in XXXX and accounts state I was born XXXX which my Id and birth certificate can both prove I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Can you check the documents? Some of these inquiries are inaccurate and I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ingenuity RM, LLC
State: ND

Complaint narrative:
Ingenuity RM had contacted me via mail regarding rent they claim was unpaid for over {$8000.00}. We rented from the company they represent almost XXXX  years ago and when we left we were not told of any owed amounts and paid rent monthly. We requested all the information regarding the debt according to the FDCPA. There was no response from the debt collection company for 30 days thus we sent a letter after that time frame that they did no provide us the information requested and according to the FDCPA, they could no longer request we pay the amount in question. There has been no communication regarding our request but they have now hired an attorney and are trying to take us to court for civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
After we were unable to use my Visa card for a gas purchase on XX/XX/2024, I called the bank and was told there was suspicious activity and they closed my card account, and even closed my online account access. At the same time as this call on XX/XX/2024, I saw that my {$910.00} in available rewards were issued as a direct deposit from my Visa account on XX/XX/2024 and my heart sank because I had not requested this. I've never redeemed my cash rewards and had {$910.00} in available rewards. Most reward redemptions are done as a Statement Credit. If a consumer wants their reward redemption done as a direct deposit or gift card it says : " To request a gift card or direct deposit, please call Customer Care using the number on the back of your card. You can still request a statement credit here. '' When I questioned all of this, they claim I called in to request a direct deposit of my reward redemption. I never did request this and I never called. I use a personal checking account for my monthly payment, which is stored in my online account, so they could have clearly seen that the funds they direct deposited did not go into my account. They issued new cards and I even had to reactivate my online access, at which time I also noticed they greatly increased their password criteria. I've requested the phone transcript from this supposed call that resulted in my rewards dollars being distributed on XX/XX/2024, in addition to the bank account number and associated name on the account they direct deposited my reward redemption. My visa card is issued by Comenity Capital Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Their number is XXXX. As of today, XX/XX/2024, I've received nothing from them and they simply tell me " it's under investigation. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax requesting for reinvestigation unfortunately the issue remains unresolved to this day. 


1. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I looked on Credit Karma for credit information for me, on that website they list me having XXXX student loans that are active totaling more than {$23000.00}. Because of this misinformation, my credit score went down XXXX points on one credit bureau, XXXX points on another bureau and XXXX points on another!!! My XXXX XXXX XXXX loan was paid in full and consolidated with XXXX federal loan. It shows XXXX as being paid off and as far as XXXX is concerned it is in the process of being forgiven and that loan is for {$12000.00}. It is not delinquent, it is not late, and I have been told I owe no monthly payment on it. I believe there are too many credit agencies and too much misinformation and it is causing people to be destroyed financially!!! No one person can keep up with more than XXXX credit reporting agencies and each one has different information!!!! When is someone going to consolidate these agencies and start regulating them and holding them accountable!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate XXXX account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : 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 2024-04-15 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: PA

Complaint narrative:
This is my first dispute to Experian regarding a new very serious violation regarding XXXX XXXX FAILURE to mark account in dispute. 
This is a violation of the FCRA 623 ( a ) ( 3 ) and FDCPA 1692 ( e ) ( 8 ). 
I submitted my dispute via CFPB # XXXX on XX/XX/2024 and XXXX XXXX acknowledged receipt on XX/XX/2024 and according to Experian Report # XXXX dated XX/XX/2024 the account had not been marked in the 30 days required by law. 
I want the account XXXX XXXX # XXXX REMOVED from my credit report immediately due to violation ( s ).

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NY

Complaint narrative:
On XX/XX/XXXX LexiNexis revealed my private personal information to another person without my consent. That person contacted me to make me aware of this illegal activity. The private personal information included my current address and previous addresses and, most egregiously, my social security number. 
The report containing this illegally revealed private personal private information comes from LexisNexis through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: GA

Complaint narrative:
On XX/XX/XXXX, I applied to XXXX  XXXX XXXX XXXX ( XXXX ) to have a credit card with them CLOSED to OPEN a new credit card with them at a much lower rate. The total amount owed was about {$12000.00} XXXX granted me the much lower rate after 'pulling ' my credit with XXXX which was their preferred credit reporting agency. At that time, XXXX gave me a credit score of XXXX. 

On Thursday, XX/XX/XXXX, I applied to open a Share/savings account with XXXX XXXX XXXX XXXX XXXX Not a loan. They explained that they 'pulled " credit information from EXPERIAN and that the minimum credit score would be around XXXX. I was not concerned since I had no other loan or request for a loan other than the loan I applied for with XXXX  XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX granted the request. However, they explained that EXPERIAN reported my credit score as XXXX. That score is XXXX points LOWER since the XXXX score given 27 days ago with no other credit applied for and no other major purchases by card, etc. In fact, since making application, NO other credit has been applied for and I have paid {$2000.00} on the only credit card I have. Outstanding debt includes my mortgage and credit card. No car note. Nothing else. 
I HAVE NEVER ALSO BEEN LATE ON ANY DEBT. EVER.

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 2024-04-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
Amex blocks merchants with no reason, told me to keep trying different merchants, the merchants I am trying to use the card on are blocked, even though they accept Amex. Amex told me to use XXXX, but i do not shop at XXXX. I should not be directed where I may use the card, my funds are basically being held XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are inaccurate accounts on 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