vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
During the Covid pandemic I lost my job, I was out of work for about a year and I missed a payment from target, which had a program in place for cares act..that would not report late payments to the credit agencies and they would wave late fees during the pandemic I was not aware that the late payment was posted until recently this year, I have dispute this with target and the rep told me although the late payment met the requirements of the program they had in place during the pandemic he can not go back and fix it because it is illegal for him to remove late payments, I explain that its impacting my score and Im wanting to buy a house, I asked if he could at least put something on file stating I was impacted by Covid so it wont affect my credit score his response was no I cant because I was late and legally by law he can not remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had an account at XXXX Bank. They claim I have an overdraft amount of XXXX, That is in correct I received a bill from Target request the overdraft fee and the money that I have being paying back. I can not owe two people the same thing when I am in the process of paying the original debt. This fraud they kept the account open to accrued fees for a debt that is being paid. This is fraud and defamatory, bulling in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My original mortgage was with XXXX XXXX XXXX, started on XX/XX/XXXX. In XXXX of XXXX, I received a letter that XXXX XXXX XXXX had sold my mortgage to Freedom Mortgage. By the end of XXXX, I had not received a welcome letter from Freedom Mortgage and was worried about missing my XX/XX/XXXX payment. I called Freedom Mortgage, where I tried to make a payment. The auto payment system asked me for a loan number which I did not have since Freedom Mortgage had not sent that to me. I followed the automated system who then told me that new customers who were having their accounts transferred to Freedom Mortgage would have a 60 days grace period to make the payment. As I was leaving the country for 5 weeks on XX/XX/XXXX, that gave me peace of mind. When I came back, I paid my XXXX and XXXX mortgage payments. I reached out to Freedom Mortgage in XXXX asking to remove my escrow account from my mortgage. I received a denial letter with the reason being I did not have a history of on time payments over the last 12 months. Freedom Mortgage says I was late on my XXXX payment, which I couldn't make because the company was behind on sending out their welcome letters. Even though Freedom Mortgage 's welcome letter is dated XX/XX/XXXX, it did not arrive to my address prior to XX/XX/XXXX, my departure date as I checked my mailbox everyday before leaving. After calling their customer service center twice, I was transferred to the escalation department. The escalation department says I was late because I did not make my XX/XX/XXXX payment date. When I emphasized that their letterhead says XX/XX/XXXX at the earliest, the escalation department said I still could've made the payment by the end of the month. I'm pretty sure that if I had made the payment before XX/XX/XXXX, Freedom Mortgage still would count that as a late payment.

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 2022-07-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear sir, The credit bureau had reported a false late payment on my credit report file account XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request you to see Verifiable Proof ( the original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

Account Name Account Number XXXX XXXX XXXX I have not missed a payment nor have late payments so far on this account. 
I also want all non-account holding inquiries over 30 days old removed. 

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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ASTA FUNDING INC.
State: FL

Complaint narrative:
Last year I filed a complaint against Palisades collection agency. In complaint XXXX I outlined a credit card debt that I knew nothing about. Court papers were served at an address I no longer reside for a number of years. They were awarded a garnishment of my wages. No papers were served to me. I requested proof of service yet no response. My complaint was forwarded to Palisades collection with a response to by XXXX XXXX General CounseXXXX representing Palisades. In his response he stated " Case Closed ''. 
On XX/XX/XXXX, I received a letter from my payroll department stating there is another garnish by the same company in the amount of {$1300.00} for interest accrued awarded by the Court of XXXX XXXX XXXX for the same garnishment. There is no date on the document except it was signed by XXXX XXXX dated XX/XX/XXXX. There is nothing on the XXXX XXXX XXXX court docket stating this collection. 

Since XXXX XXXX they started another collection for the same case even though stated closed. As of pay period ending XX/XX/XXXX a total of {$3000.00} is collected from my salary. That is {$1700.00} more than the stated amount. To date they have collected a grand total of {$4600.00} from my salary for a debt XXXX XXXX said they acquired XX/XX/XXXX. I was informed by my payroll dept that unless a letter of satisfaction is received, the garnish will remain enforced. 
I would like an enforcement to be brought against this company as well as initiating lawsuit. I believe I am a harm consumer with my salary at the mercy of this collection agency using it as their personal piggy bank. I also believe the documents they furnish to job is false. I made numerous attempts through emails to different parties and by certified mail but no replies. Phone calls are extended wait times then switch to voicemail. 
Please see attachment of previous complaint.

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 2022-07-15 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/2022 Mr. Cooper XXXX XXXX XXXX XXXX. 
XXXX TX XXXX RE : XXXX XXXX XXXX. XXXX Complaint : Incorrect credit file information reported to Credit Reporting Agencies Credit File : XXXX XXXX XXXX, XXXX Loan No. XXXX Complaint : Mr. Cooper is erroneously reporting a late payment for XX/XX/2022. 
Request : Correct reporting to show no late payments This letter and the attachment provided are hereby filed in order to correct my credit bureau information which is showing a late payment for the month of XX/XX/2022. See the attached declaration and proof of service pursuant to California Evidence Code Section 641 which says in pertinent part : In California, items that are served via the US Mail that are properly addressed and include the correct postage are presumed to have arrived in the ordinary course of the mail. In other words, California law assumes that the US Postal Service will deliver items in the normal course of its operations, provided that the address indicated and postage used are correct. 

The legal authority for this is Section 641 of the California Evidence Code, which states : A letter correctly addressed and properly mailed is presumed to have been received in the ordinary course of mail.

Please update my credit file forthwith or we will begin additional legal remedial action in order to correct the error currently being reported. 

Best Regards, __________________________ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX Reporting late payments and inaccurate information. 

XXXX reporting information without my written consent, Experian reporting imformation without my concent, XXXX reporting information without my concent and all inaccurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Gave permission for none of these XXXX XXXX XXXX XXXXXXXX XXXX XXXX and without permission XXXX XXXX XXXX reporting collection inaccuracy and without permission list of creditors inaccurate and without permission XXXX, XXXX, XXXX  innacurayly reported XXXX XXXX XXXX XXXX negative payments reported inaccuratly XXXX XXXX XXXX XXXX  reporting late payments inaccurate XXXX Reported : XX/XX/XXXX inaccuratly reporting late payments many on time payments not being reported. This is a violation of my rights and i have not given permission for any of nthis

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 2022-07-15 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: MN

Complaint narrative:
I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Company is trying to collect amounts already paid. Called XXXX XXXX billing to ask if they can investigate what happened with this bill but they never did. The XXXX XXXX billing department was very rude and unprofessional. They had some address listed that I never know of, as well name was XXXX or similar which is not my name. 

What happened is on XX/XX/2020 my XXXX was scheduled and in order to start XXXX I had to pay full amount for XXXX since this was self pay not thru insurance. 
I visited XXXX XXXX XXXX multiple times before XXXX and he confirmed the price for XXXX, XXXX  and everything which was {$11000.00}. This amount is for complete XXXX includes everything XXXX etc. 

Unfortunately the XXXX was not performed professionally and instead XXXX to XXXX minutes the XXXX took XXXX hours XXXX XXXX XXXX put ma life at risk by XXXX XXXX into my body to try to complete simple XXXX XXXX XXXX. 
I was XXXX for a year. 

After XXXX I went to XXXX XXXX to see what was done to my body by XXXX XXXX XXXX and why i have pain in my stomach. XXXX XXXX doctor who specializes in these XXXX was shocked that XXXX  took XXXX hours to perform such XXXX, he said we performed those surgeries in XXXX to XXXX minutes smithing longer is a risk for your body. After performing few tests at XXXX XXXX the doctor concluded that XXXX XXXX did not complete the XXXX stomach looked normal but it supposed to be stapled. 
Basically XXXX XXXX was playing with my life for XXXX hours and did not complete XXXX, which made me sick for a year. 

Please see attached proof for payment already made in full as agreed with XXXX prior to XXXX. If anyone owns money it would be XXXX owning money to me for letting XXXX XXXX XXXX to perform a XXXX which he is not experienced.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the items are already REMOVED from other bureaus so please do the same. 


XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This debt was unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: AL

Complaint narrative:
SOMEONE STOLE MY IDENTITY AND HAS A LOT OF FRAUDULENT ACCOUNTS ON MY PROFILE. THIS IS NOT RIGHT CAN SOMEONE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT.

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 2022-07-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX RE : XXXX XXXX XXXX. XXXX Complaint : Incorrect credit file information reported to Credit Reporting Agencies Credit File : XXXX XXXX XXXX, XXXX Loan No. XXXX Complaint : XXXX XXXX is erroneously reporting a late payment for XX/XX/2022. 
Request : Correct reporting to show no late payments This letter and the attachment provided are hereby filed in order to correct my credit bureau information which is showing a late payment for the month of XX/XX/2022. See the attached declaration and proof of service pursuant to California Evidence Code Section 641 which says in pertinent part : In California, items that are served via the US Mail that are properly addressed and include the correct postage are presumed to have arrived in the ordinary course of the mail. In other words, California law assumes that the US Postal Service will deliver items in the normal course of its operations, provided that the address indicated and postage used are correct. 

The legal authority for this is Section 641 of the California Evidence Code, which states : A letter correctly addressed and properly mailed is presumed to have been received in the ordinary course of mail. 

Please update my credit file forthwith or we will begin additional legal remedial action in order to correct the error currently being reported. 

Best Regards, __________________________ 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 2022-07-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX RE : XXXX XXXX XXXX. XXXX Complaint : Incorrect credit file information reported to Credit Reporting Agencies Credit File : XXXX XXXX XXXX, XXXX Loan No. XXXX Complaint : XXXX XXXX is erroneously reporting a late payment for XX/XX/2022. 
Request : Correct reporting to show no late payments This letter and the attachment provided are hereby filed in order to correct my credit bureau information which is showing a late payment for the month of XX/XX/2022. See the attached declaration and proof of service pursuant to California Evidence Code Section 641 which says in pertinent part : In California, items that are served via the US Mail that are properly addressed and include the correct postage are presumed to have arrived in the ordinary course of the mail. In other words, California law assumes that the US Postal Service will deliver items in the normal course of its operations, provided that the address indicated and postage used are correct.

The legal authority for this is Section 641 of the California Evidence Code, which states : A letter correctly addressed and properly mailed is presumed to have been received in the ordinary course of mail. 

Please update my credit file forthwith or we will begin additional legal remedial action in order to correct the error currently being reported. 

Best Regards, __________________________ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX RE : XXXX XXXX XXXX. XXXX Complaint : Incorrect credit file information reported to Credit Reporting Agencies Credit File : XXXX XXXX XXXX, XXXX Loan No. XXXX Complaint : XXXX XXXX is erroneously reporting a late payment for XX/XX/2022. 
Request : Correct reporting to show no late payments This letter and the attachment provided are hereby filed in order to correct my credit bureau information which is showing a late payment for the month of XX/XX/2022. See the attached declaration and proof of service pursuant to California Evidence Code Section 641 which says in pertinent part : In California, items that are served via the US Mail that are properly addressed and include the correct postage are presumed to have arrived in the ordinary course of the mail. In other words, California law assumes that the US Postal Service will deliver items in the normal course of its operations, provided that the address indicated and postage used are correct.

The legal authority for this is Section 641 of the California Evidence Code, which states : A letter correctly addressed and properly mailed is presumed to have been received in the ordinary course of mail.

Please update my credit file forthwith or we will begin additional legal remedial action in order to correct the error currently being reported.

Best Regards, __________________________ 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