vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX am verifying that I XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
XXXX XXXX HAS ATTEMPTED TO COLLECT FROM ME IN THE PAST REGARDING ACCOUNTS WHICH WERE A RESULT OF IDENTITY THEFT. THEY HAVE NOT SENT ME ANY LETTERS TELLING ME THAT THE ACCOUNT THEY ARE COLLECTING WAS ACKNOWLEDGED AS ID THEFT, AND I WOULD LIKE THEM TO OFFICIALLY ACKNOWLEDGE THAT THE INFORMATION IS NOT MY ACCOUNT AND SHALL NOT REAPPEAR ON MY CREDIT REPORTS. 
THEY NEED TO ADVISE ME THAT THEY ARE NO LONGER ACTIVELY OR INACTIVELY PURSUING ANY DEBT COLLECTING WITH REGARDS TO ME AND THAT THEY HAD ONLY PREVIOUSLY DONE SO AS A RESULT OF ID THEFT, AND THAT ANY ACCOUNTS WILL NEVER BE REPORTED IN THE FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The moment I received the duplicate of my report that I purchased with XXXX dated XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION and INQUIRIES accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these collection and inquiries accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24 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: TX

Complaint narrative:
In review on XX/XX/2023 of my XXXX account number XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late. I spoke to a XXXX XXXX representative on XX/XX/2023 regarding my account was told payment I needed to pay {$60.00} by XX/XX/2023. I paid {$93.00} on XX/XX/2023. However, on XX/XX/2023 a late payment was reported on my credit reports, Transunion, XXXX and XXXX. This account is not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX at XXXX regarding this issue and emailed them and was told their records state I am current and in good standing. I needed to call the credit reporting bureaus. I called the credit reporting bureaus, Transunion, XXXX and XXXX and I was told to contact the merchant directly, in which I had already done.

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 2023-08-24 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: TX

Complaint narrative:
In review on XX/XX/2023 of my XXXX account number XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late. I spoke to a XXXX XXXX representative on XX/XX/2023 regarding my account was told payment I needed to pay {$60.00} by XX/XX/2023. I paid {$93.00} on XX/XX/2023. However, on XX/XX/2023 a late payment was reported on my credit reports, XXXX, XXXX and Equifax. This account is not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX at XXXX regarding this issue and emailed them and was told their records state I am current and in good standing. I needed to call the credit reporting bureaus. I called the credit reporting bureaus, XXXX, XXXX and Equifax and I was told to contact the merchant directly, in which I had already done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
COMENITY BANK XXXX XX/XX/XXXX - Turned my acct. over to XXXX XXXX XXXX , XXXX ( XXXX ) for my Bill to XXXX  for {$320.00} + XXXX I have had an account with XXXX & all there other brands since XXXX - Every single month since I have paid in full the total amount of bill THE DAY I receive it. 

The statement I received in XXXX however was not paid as I wasl dealing with the XXXX people watching my HUSBAND and even now remember getting a bill from XXXX HOWEVER, my mind was on a lot of things and I guess I thought it was JUNK. So it did not get paid. 
As were missed or neglected during that time : UNTIL HE PASSED ON XX/XX/XXXX ..... Yes I do have a death certificate to send if necessary, I am a XXXX XXXX XXXX woman, and Have not had a credit problem since I can remember. 

Our/my credit rating went from XXXX to to XXXX and I do not believe this is fair to ME. 

Please let me know if there is anything that can be done to rectify this credit score. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
This debt does not belong to me and I have no knowledge of this collection. I never signed an agreement with this company for their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: GA

Complaint narrative:
This complaint is in regard to the harassment, negligence, and discrimination I have experienced with Discover Bank and their illegal debt collection practices. On the XXXX of XX/XX/2023, I was served papers from a debt collector, claiming to be representing Discover Bank, for an attempt to collect a debt that is not owed. According to the FDCPA, a debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of debt. I was not given any communication or any proper notice for the validation of debts before being wrongfully sued for this alleged debt obligation by Discover, in accordance to 15 U.S. Code 1692 and 12 CFR 1006.34 ( a ), nor did I receive any of the required disclosures, in pursuant to 12 CFR 1006.42. 

With that being said, I promptly responded to their court summons with the magistrate court and I sent a copy of my answer to Discover and their lawyers, along with a debt validation letter and a cease and desist. On the day of the hearing, Discover 's attorney didn't even have a copy of my response nor did he have any of the letters I sent them, which was by certified mail. It is now the end of XXXX and I have not received any of the documentation that I rightfully requested by law. Discover and their lawyers have ignored all of my attempts to get this debt properly verified, and have violated many of my privacy and consumer rights under the Fair Debt Collection Practices Act. I have called Discover multiple times trying to gather more information by my own merit and even their customer service team has no information on the account number they provided. Discover and their representatives are worsening my financial burdens. I have had this alleged debt obligation weighing on my mental health for over 3 months now. They are wrongfully attempting to collect a debt that is not owed and are harassing me for monies they can't even verify in their own system. This entire ordeal has been sketchy in manner, unprofessional and unlawful, most importantly. There is no proof of this alleged debt obligation and I am tired of being ignored. Discover is not operating in the covenant of good faith and fair dealing with their consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
I am writing to express my deep concern and frustration regarding the status of my assumption loan application, which has been pending for over three months. I have diligently provided all the necessary documentation and have followed the application process as instructed. Despite multiple attempts to reach out via emails, I have not received any direct communication from them. 
I understand that the assumption loan process can be complex, but the lack of communication and transparency has left me in a state of uncertainty and distress. I have received packages from CROSSCOUNTRY MORTGAGE company and have sent all required documents through mail as per instructions. However, the absence of direct contact has made it extremely difficult for me to obtain updates on the progress of my application. 
Furthermore, my broker-XXXX XXXX who works in collaboration with his ( CROSSCOUNTRY ) company, has also faced challenges in establishing contact with Assumption department. He has expressed his inability to reach anyone who can provide clarification on the application status. Additionally, the reseller involved in the process has uploaded their side of documents through the portal ( CROSSCOUNTRY ) but has not received any response or confirmation. 
Given the prolonged delay and the lack of communication, I am left with no choice but to seek resolution for this matter. I have invested considerable time and effort into this application, and the continued uncertainty is impacting my financial plans. I urge you to promptly review my assumption loan application and provide me with a clear update on its status. 
Reseller wanted to close this property asap and if I close this property without Assumption Loan then I will be significant financial losses amounting to thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for fraud. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX and XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act this creditor Ally financial has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2, its also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-24 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: TX

Complaint narrative:
In review on XX/XX/2023 of my XXXX account number XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late. I spoke to a XXXX XXXX representative on XX/XX/2023 regarding my account was told payment I needed to pay {$60.00} by XX/XX/2023. I paid {$93.00} on XX/XX/2023. However, on XX/XX/2023 a late payment was reported on my credit reports, XXXX, Experian and XXXX. This account is not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX at XXXX regarding this issue and emailed them and was told their records state I am current and in good standing. I needed to call the credit reporting bureaus. I called the credit reporting bureaus, XXXX, Experian and XXXX and I was told to contact the merchant directly, in which I had already done.

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 2023-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I began the process of applying for a home equity line of credit with Chase Bank on a condo residence in a building on ( XXXX ). After completing the pre-approval process and providing all the documentation requested by the lender, I was advised that I was preliminarily approved for a line of credit and that the property met their criteria for the loan product I was applying for. The lender immediately requested that I submit {$500.00} they deemed as good faith funds in order to proceed with the loan. I paid the {$500.00} on XX/XX/XXXX and continued to provide the requested documentation and maintain on-going updates on the progress of the loan. Shortly thereafter the lender indicated other residences in the same building had previously been declined for a loan due to the building not qualifying for the loan requirements. 

I attempted to reach out to my points of contact with the bank ( XX/XX/XXXX & XX/XX/XXXX ) to seek alternative measures to either progress the loan or obtain financing using another product but was not able to get a respond back once the underwriting department deemed the property not eligible for financing. I continued to seek a response ( on XX/XX/XXXX, XX/XX/XXXX & XXXX ) on how to resolve the problems and got no response. After some time I requested they return the good faith funds as they had determined that the property did not meet the requirements and that was not disclosed until after the fees were collected. Eventually the agent agreed to request a refund but failed to actually go through with the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX and 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 2023-08-24 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: AZ

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
After battling through XXXX XXXX  XXXX and XXXX I called my insurance company to see if all treatment and costs are fully covered, they assured me insurance covered absolutely everything since I'm on XXXX Medicare & Medicaid that I'd owe nothing. A month after my XXXX treatment ended I received a letter from Focus Financial Services saying that I owed hundreds of dollars. Please be advised I never received a bill from the hospital even though I have Informed Delivery from USPS. Last year in XXXX I called Focus Financial Services and informed them it was an error, since I got off the phone with XXXX and they paid all my bills and there is no outstanding balance. Almost a year later Focus Financial Services send me another bill for hundreds of dollars and called me on Wednesday XX/XX/XXXX at XXXX XXXX. I called them Thursday XX/XX/XXXX to dispute charges they said I'm responsible for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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:
I received a notification from the credit card company about a pass due amount on the credit card. I contacted the company to dispute a charge that was not authorized. The credit card company removed the charge and sent information to the XXXX credit reporting agencies. I also filed a dispute with the XXXX agencies. As of today, I am still receiving damaging information about my credit file at Experian. This negative information is affecting my ability to get credit. The other XXXX agencies have resolved this issue. 

i have attempted to reach them o discuss and it is impossible to speak with anyone. The automated system is horrible.

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 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have an Interest Checking account from Citibank since XXXX. 
I also have a CD account with Citibank. 
The only transactions I have is a deposit when i opened the account and interest paid by Citi themselves. 
However I received an email on XXXX XX/XX/XXXX that my account is closed due to suspicious activities and my account and savings are now blocked from me accessing. 

I went to the branch and made many calls and the branch manager confirmed there were no other transaction over the month of XXXX. 
No one at Citi was ablet o explain any details but keeps saying i should receive a letter ( which I have not ) My savings of $ XXXX that are from my single salary is now being denied access. 
I am also unable to keep track if my money is being stolen or mis-used/ hacked due to Citi block me access to my own account.

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