vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Whom It May Concern : Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 uSg 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. You guys have unauthorized use of consumer transaction and also refused to disclose to an consumer their information on file and its history. Its illegal to withhold consumer information upon request. I DEMAND TO CEASE AND DESIST ALL ILLEGAL REPORTS FOLLOWING. 

* ALL EMPLOYMENT ( XXXX XXXX XXXX ) * ALL inquiries unauthorized to furnish * REMOVE ALL COLLECTION HISTORY and keep the amount on file * INVOICE {$1000.00} per individual action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: NY

Complaint narrative:
Whom It May Concern : Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 uSg 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. You guys have unauthorized use of consumer transaction and also refused to disclose to an consumer their information on file and its history. Its illegal to withhold consumer information upon request. I DEMAND TO CEASE AND DESIST ALL ILLEGAL REPORTS FOLLOWING. 

* ALL EMPLOYMENT ( XX/XX/XXXX ) * ALL inquiries unauthorized to furnish * REMOVE ALL COLLECTION HISTORY and keep the amount on file * INVOICE {$1000.00} per individual 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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-01-28 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: FL

Complaint narrative:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

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 2022-01-28 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: CLGF Holdco 1, LLC
State: WY

Complaint narrative:
In XX/XX/2021 I discovered a fraudulent credit account opened in my name with Genesis Credit out of XXXX XXXX. I contacted this company and they stated an account was opened online and purchased {$4000.00} worth of stuff. I told them I did not open this account or authorize this and asked to speak to there fraud department. Genesis stated they could not connect me to the fraud department as they do not have a phone number. I filed a dispute on my credit report and sent letters to each agency and Genesis credit. XXXX will not remove stating it is accurate information. I have filed with the XXXX  as well. I want this removed from my credit report as I did not open this account. 

I will continue to send letters to the credit bureau and Genesis Credit hoping to have it removed. I do not have this kind of money to pay on something I do not own. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/2022 A fraudulent identity theft was reported

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 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
Follow up to XXXX : The Servicer appears to be in violation of XXXX XXXX as the annual escrow analysis offered an option for a lump sum payment as one method of curing the deficiency in the escrow account. See the CFPB Supervisory Highlights XXXX of XX/XX/2020 regarding mortgage servicing. Attached you will find a picture of my statement.

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 2022-01-28 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:
XX/XX/2020- XX/XX/2020. XXXX  and XXXX XXXX XXXX XXXX both companies run by XXXX Bank reported late payments on all three reporting agencies. I was on a payment plan during that time because I was laid off work because of COVID-19. I made my payments and they still reported late. I have sent several letters to XXXX, Equifax, XXXX sending my canceled checks and letters from XXXX and XXXX that I was on a payment plan and they are refusing to delete that wrong information. In the dispute section I can see the result of their investigation but the item remain the same even though I have proof of the mistake. The other one is XXXX XXXX that account was designated to my ex-husband by a judge for him to pay ( i have documented proof of judgement ) I paid the account and they Jewelers keeps reporting it as not paid. XXXX, equifax, and XXXX  wont delete or change the information and I have a letter from XXXX XXXX stating that I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/2020- XX/XX/2020XXXX XXXX  and XXXX XXXX XXXX XXXX  both companies run by Comenity Bank reported late payments on all three reporting agencies. I was on a payment plan during that time because I was laid off work because of XXXX. I made my payments and they still reported late. I have sent several letters to XXXX, XXXX, XXXX sending my canceled checks and letters from XXXX and XXXX that I was on a payment plan and they are refusing to delete that wrong information. In the dispute section I can see the result of their investigation but the item remain the same even though I have proof of the mistake. The other one is XXXX XXXX that account was designated to my ex-husband by a judge for him to pay ( i have documented proof of judgement ) I paid the account and they XXXX keeps reporting it as not paid. XXXX, XXXX, and experian wont delete or change the information and I have a letter from XXXX XXXX stating that I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Recovery Service Incorporated
State: KY

Complaint narrative:
I was a victim of identity theft and my consumer rights are being violated. XXXX XXXX and American Recovery Services Inc ( ARSI ), are attempting to collect an alleged debt that I do not owe. I have provided XXXX XXXX with the FTC Identity Theft report and have sent them more than enough proof to relieve me of this alleged fraudulent debt. I have attached the documents. It is unlawful that these organizations are colluding together to take advantage of me and attempt to collect this alleged debt which I have informed them multiple times that I do not owe them any money. They are also ruining my general reputation by reporting these fraudulent accounts that are not mine to the credit reporting agencies. The are committing deflation of character against me. I need support and I am going to be forced to take legal action if I do not get help. These big companies are harassing me and abusing their power! I will not back down, please help me. My consumer rights are being violated according to the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I had XXXX under my school loans and before XXXX was XXXX XXXX which goes back to year 2013. XXXX is currently being sued because of there conduct of how they handled there school loans.I have two school loans with them and currently they switched to XXXX. Im  XXXX and sent my paperwork showing my full XXXX and Navient thru me under the bus and couldnt help me dismiss my loans. I had the run around and XXXX kept switching me from forbearance to income driven with my account where I should be under XXXX percent XXXX with all the paperwork that was sent to them from my doctor and myself. XXXX never got my records straight and kept charging me interest throw out the years from 2013 till today. I want my school loans dismissed due to XXXX messing up and me being XXXX. If I have to get my own attorney, I will. I hope you can assist in getting my two loans dismissed. XXXX caused a real mess with my accounts. Please call me, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
I was on a covid forebearance plan and at the end I applied for the differnt options available. After submitting the paperwork at least 3 times I received a letter stating that we qualified for the Covid-19 XXXX XXXX  recovery  advance combo. I received a letter on XX/XX/XXXX making me aware that the payment amount would be $ XXXX Principal and interest {$330.00} Escrow Interest rate 3.100 % I contacted XXXX XXXX on ( there were other dates but I would need to contact my cell company for the info ) XXXX to determine status of my application for relief. I was advised in processing XXXX to determine status of my application for relief. I was advised in processing XXXX Called regarding the letter advising that I qualified for the mortgage recovery combo and to find out what that was. I was told that I would receive paperwork soon that needed to be completed and notarized. Payments would start in XXXX. I asked if I should resume payments and was advised that XXXX and XXXX were already included in the modification paperwork. 
XXXX I contacted because I never the received the paperwork. I was told not to worry and that it would be coming soon. Payment would be {$800.00} starting in XXXX XXXX I contacted because I received a notice that my loan was transferred and the payment would be over {$1000.00}. I spoke to a supervisor at XXXX XXXX  that advised me that although the loan would be transferred it would not be done until I completed the paperwork. I would told it would be sent via fed ex and I would receive a tracking number. Once my husband and I sign all documents and get them notarized ( I was even told a notary would come to my house to do this! ) my loan would go to XXXX XXXX with the same terms. 
XXXX Supervisor from XXXX called me back and advised the loan was transferred and that they didn't have the new payment information. I requested that the previous calls all be pulled and that I be contacted back. I never received another call. 

On multiple occasions I expressed to XXXX XXXX  my concerns on losing my home. I was told over and over not to worry and it wouldn't happen. 

Today I received a notice from XXXX XXXX advising that my loan is due on XX/XX/XXXX in the amount of {$22000.00}. I left a message for this company but did not receive a callback. 

I do have the supporting documentation that can be sent if needed. XXXX did not follow through with the forbearance terms that were set and I am concerned that I will lose my home.

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 2022-01-28 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: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. It has been over 30 days so they should be deleted promptly. I'm demanding that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person.

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TRANSUNION deleted an item from my credit report on XX/XX/2021. 

FILE NUMBER : XXXX ITEM : XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX FL XXXX ) Pursuant to 15 U.S.C 1681 ( a ) of the Fair Credit Reporting Act ( FCRA ), the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. TRANSUNION hasn't been reporting accurately and, has made an error in my consumer report which after further investigation into my report, they realized that they violated federal laws and decided to delete the item which is admission of liability. My confidence in them has greatly reduced and, has caused me stress because of it bearing on my report when it was in fact falsely reported. TRANSUNION willfully furnished false information without my expressed consent, and never investigated with close family and friends, which is a violation pursuant to 15 U.S.C 1681n ( 1 ) ( A ). Proof of the deletion will be attached to this 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 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I have a mortgage with SLS Specialized Loan Servicing # XXXX that was under an 18 month Covid forbearance and once that time period ended I requested a deferral and was under the impression from day one that it was a viable option for me. XXXX basically waited to tell me three weeks into month 19 that it did not qualify for a deferral and that I either had to pay back 18 months in full to keep my perfect credit score rating or request a loan modification and let my mortgage report late for 18 months. I ended up just paying it all back and had to use my retirement savings to do so. Had I know from day one that a deferral option was not available then I would never have agreed to enter into a forbearance. Now I am having to sell the property to get the equity back out of it to replenish my retirement accounts. The way that XXXX handled my case was complete and utter discrimination.

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 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
I previously had a mortgage with this company that was paid in full and closed in XX/XX/XXXX. They are reporting that the loan is late in at least 8 months in XXXX. 8 months is as much as I can see on the report provided by XXXX ( attached ). I disputed this with the credit bureaus and this company has reported validated these marks as being accurate. This has significantly affected my credit score. Id like this corrected or the account removed from my credit reports completely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
On XX/XX/2021 I called Rash and Associates ( a XXXX collection agency ) to dispute an account that was a result of Identity Theft. This account is having a negative impact on my credit report and creating a very challenging situation for me to get certain loans. 
On XX/XX/2021, WITHOUT MY CONCENT Rash and Associates performed a Hard Inquiry that lowered my Credit Score. This is not acceptable and must be removed.

Company response to consumer: Closed with explanation