vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Upon applying for a apartment I was advised to check my credit report. When I requested a full credit report through XXXX XXXX I noticed a collections and, balance owed. 
There was a credit card opened in my name with some of my info for a Synchrony Car Care credit card. It stated I was in collections for a balance that I supposedly owed. I then contacted Synchrony Bank, gave them my info, and was told the card was opened in XX/XX/XXXX, and there was a balance of {$2300.00}. I informed then that I did not open said credit card, that I did not get my first car until XXXX. They said they would open a investigation. It would take XXXX I believe, maybe 45 days. I later received a letter stating case was denied. For a Synchrony XXXX credit card. I contacted them again, and informed them the XXXX card was paid in full, and gave them Car Care card through them. After waiting my mother contacted XXXX and gave them all the info that we had. My mother got involved because she had accounts from XXXX on herself, my younger brother, and myself, and at the time this happened I was a minor and that they never contacted my mother to alert her this was happening. Moving forward my mother, myself, XXXX with XXXX XXXX, and Synchrony Bank have had NUMEROUS contacts re ; this issue. today XXXX, my mother, and XXXX all got on the phone with XXXX with Synchrony Bank who informed us that it was denied again XX/XX/XXXX. XXXX did let us know he will submit another XXXX form and advised us to contact 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 2022-02-11 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 account disputed several times with no outcome of being from Experian credit report even with all documentation provided XXXX letter stated they no longer manage my account and XXXX XXXX took over account ; however when I contacted XXXX XXXX in XX/XX/2022 they stated my account or name is not in their data base and sure why XXXX would have me reach out to them. This dispute has been going on for XXXX  months with no resolution. 
In addition this account was never part of bankruptcy due to being dismissed/cancelled which means it never occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
arg will not provide me with a hipa transcript with what their billing me for if i dont get this i will file lawsuit against XXXX  XXXX  unless they provide me with my hipa transcript

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I was not late XX/XX/2018 and XXXX have me late 120 days past due and XXXX 180 past due.. Please provide proof the payment was late or remove it from my report. According to FCRA everything on my report has to be 100 percent accurate and verifiable. 

The Following account : 1XXXX XXXXt Acct number : XXXX Please update payment history current/never late Pleases see all attached document below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: DISCOVER BANK
State: PA

Complaint narrative:
First of all, I've now opened up over 3 CFPB complaints against XXXX. The CFPB really needs to take action because XXXX, being the WORST of the three credit bureaus, has messed up significantly for years. They didn't even answer one of my CFPB complaints nor have their associates remove private information from their emails ( copies of my passport, military ID, SSN card, drivers license, police/ FTC reports, etc. ). They've dragged their feet repeatedly and failed to respond to my requests appropriately ( and actually lied in writing to me and the CFPB ) and have done nothing. Why isn't the CFPB taking action against them? They removed inaccurate items from my credit report finally this week, but have also removed ACCURATE items from my credit report. One of which being my Discover credit card that was issued in XXXX. XXXX has reported it since XXXX and my score is almost at XXXX with them. It's at a sub-par XXXX or so at XXXX because they took off this Discover credit card that has been repeatedly asked to be added back on for almost 4 years now by both XXXX and Discover. Yet they failed to do so. They also removed my XXXX card I had since XXXX that was closed in XX/XX/XXXX in which I was an authorized user and significantly boosted my credit. They had no right to do this. 

Also, XXXX removed the Discover card as well ( but everything else on the report looks accurate ) so my credit score is XXXX or so with them as well when it should be almost XXXX had there been proper reporting. Asking XXXX, XXXX, and Discover to add card back appropriately as it is showing on my XXXX account. Attaching screenshot for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga,XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX /TransUnion are reporting inaccurate information in my credit report and they are not complying with their own policies in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX Experian XXXX XXXX XXXX inaccurate information in my credit report and they are not complying with their own policies in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: FL

Complaint narrative:
I have been paying down my credit cards for months to inprove my score and it's been working till this week. On XX/XX/10 Transunion dropped my score XXXX points and upon checking for the reason, I found the only change was a decrease in credit card balances from me paying off cards. I tried to resolve this with them, but got no help at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
US DEPT ED is currently in violation of many of my FCRA & FDCPA rights! 
they are currently reporting inaccuracies to my consumer credit report ruining my reputation to have access to credit. The are reporting a violated account with many inaccuracies & violations pass the statue of XXXX  years which is also a violation. I will proceed with legal action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
US DEPT ED is currently in violation of many of my FCRA & FDCPA rights!

they are currently reporting inaccuracies to my consumer credit report ruining my reputation to have access to credit. The are reporting a violated account with many inaccuracies & violations pass the statue of 7 years which is also a violation. I will proceed with legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
i have collection agencies coming after me for complaints that are over XXXX XXXX XXXX. Also these agencies have no idea what actually happened. i recieved a damaged item and had sent the item back and was never credited. i didnt even know the bills were still active. I was also the victim of fraud. Someone was using my name and running up my credit without my knowledge. This happened more than 10 years ago and its still ruining my life. I cant borrow anything and im about to be homeless. Please help!!

Company response to consumer: Untimely response
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
US DEPT ED is currently in violation of many of my FCRA & FDCPA rights! they are currently reporting inaccuracies to my consumer credit report ruining my reputation to have access to credit. The are reporting a violated account with many inaccuracies & violations pass the statue of 7 years which is also a violation. I will proceed with legal action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
WELLS FARGO HOME MORTGAGE ( XXXX ) ACCOUNT NUMBER XXXX Another XXXX XXXX To XXXX Me, The Borrower, And Position Themselves To XXXX XXXX Of My XXXX. 

BACKGROUND This is my XXXX complaint about XXXX with the Consumer Financial Protection Bureau. 

Since XX/XX/XXXX, Wells Fargo Mortgage has initiated a series of dirty tricks to manipulate my mortgage account number XXXX in such a way as to misrepresent the debt owed and my compliance with the contract terms. 

Since the contract, originated in the fall of XXXX, I have fulfilled my obligation perfectly. I have made every payment due in full on time. XXXX has failed, however, to comply with their contractual obligations as previous complaints about them demonstrate. 

AGE DISCRIMINATION I am a senior with a lot of equity in my property. XXXX has targeted my account for XXXX  and XXXX to discredit me and position itself to foreclose. 

Their actions are age discriminatory. They think that my age makes me especially vulnerable and defenseless against their dishonest account manipulations. 

THIS COMPLAINT IS FURTHER EVIDENCE Of XXXX BAD FAITH AND DISCRIMINATORY ACTIONS I paid the mortgage payment due on XXXX XX/XX/XXXX in the amount of {$1500.00} at a Wells Fargo Branch. ( See uploaded Wells Fargo Branch Transaction Record.pdf ) On XXXX XX/XX/XXXX, Wells Fargo returned my XXXX XX/XX/XXXX mortgage payment claiming they could not accept it because it was less than the required amount and they are not able to apply for partial payments. ( See uploaded XXXX ) Their letter did not say what that fantasy amount due was or where I might have discovered it. Their official account and escrow statements show that the amount I paid is the precise amount due. XXXX uploaded files shown below : XXXX. Wells Fargo Account XXXX dated XXXX XX/XX/XXXX - Uploaded XXXX WellsFargo-XXXX XXXX. Wells Fargo XXXX XXXX XXXX dated XXXX XX/XX/XXXX - Uploaded - XXXX I find it astonishing that XXXX put in writing that they are unable to accept partial payments. Accepting payments is a fundamental and essential capability of loan serving systems. 

Furthermore, my mortgage, like most currently originated mortgages, allows prepayment without penalty. This clause does not restrict prepayments. 

Even if my payment was less than their fantasy payment, their reason for refusing the payment is just make-believe and another opportunity to harass 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 2022-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
I have reason to believe that AD ADSTRA RECOVERY SERVICEXXXX is " parking debt '' on my consumer report in an attempt to coerce me the consumer into paying a {$1600.00} debt that I don't owe and has been doing so since XX/XX/2018. I've tried to remedy this situation through the process of disputing the alleged debt, but there was no " reasonable investigation '' done on behalf of AD ADSTRA RECOVERY SERVICEXXXX or the three consumer reporting agencies XXXX, XXXX, or XXXX. Running a consumer report through the " XXXX '' automated system does not constitute as a " reasonable investigation ''. I demanded " to see '' verifiable information such as, chain of custody, purchase agreement, bill of exchange, original documentation with my wet signature in " blue ink '' not a " carbon copy ''. None of which were provided to me after the conclusion of the automated investigation. So how can this alleged debt be valid or verified? 

Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 

Per the Federal Trade Commission : Just what is debt parking? Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they may not actually owe the money. 

Me and my family have suffered severely due to this inaccurate, erroneous information being reported on my consumer report. This has damaged my character, my reputation, and my general mode of living as well as my ability to obtain credit for personal and house purposes. 

15 U.S. Code 1681- Congressional findings and statement of purpose U.S. Code ( b ) Reasonable procedures It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter. 

Now how are these kinds of deceptive tactics " fair '' and " equitable '' to me the consumer? 
I believe my consumer rights are under attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: NV

Complaint narrative:
I sent in my metro 2 compliance about in accurate information reporting on my report I haven't got a responds and will like to get errors remove 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 2022-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HOME BANCSHARES, INC.
State: AR

Complaint narrative:
Can a bank give a renewal on a loan to someone who no longer owns the property the loan is tied to, with out the property owners consent or knowledge? 
In XXXX, a BANK allowed my ex husband to sigh a renewal loan my home, even though they were aware he no longer own the property. My divorce decree for XXXX clearly states the loan would have to be paid in full by XX/XX/XXXX, by my ex husband. In XX/XX/XXXX, the Bank allowed him to sign a renewal loan document to extend it to XX/XX/XXXX. I was not made aware of this. I was not contacted. I absolutely did not consent. 
Now, XX/XX/XXXX, the bank is threatening foreclosure on my home, if I don't sign documents needed for a new renewal or pay off the loan. They wouldn't even give me the pay off amount, until they contacted their lawyer. This is causing stress, sleeplessness and panic. I don't know how a bank/loan officer can legally approve a renewal on property for someone who does not own said property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation