vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
Received a phone call from XXXX XXXX at Kinum Incorporated today. After advising that I never received any letter from them & the piece of equipment ( saxophone ) they want me to pay {$1000.00} for was a rental that was returned last year. 

He stated I didnt have a choice and that I had to pay it anyways, he began stating birthdates/ socials/ children and even employer information. The call was hostile from the start. In addition when I tried to ask for the contract information to be sent ( validation of debt ) he spoke over me and then hung up. 

I am requesting this company provide validation of debt through the CFPB and seize all contact via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I have filled numerous complaints with XXXX and XXXX and XXXX yet all of them have different information. I have cleared up 3 issues which 1 was a fraudulent issue one was a prior complaint I sent to you because I couldnt get them to resolve it and another was my sister was a user on a card a passed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Guild Holdings Company
State: GA

Complaint narrative:
Regarding previous CFPB complaint # : XXXX I originally sent a complaint on XX/XX/2023 and never received the letter regarding the information I requested. I then sent an email to Guild Mortgage LLC and no one is helping me get this information-they are just passing me around to another department ( between customer service and loss mitigation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The following inquires has also been opened up under my social security number fraudulently. 

Resident Verify 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 non-monetary relief
Consumer complaint received 2023-05-01 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: Atlanticus Services Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX I called to finalize my account with MyFortiva after speaking to a supervisor who assured me settling the account would not negatively impact my account. She told me I could pay less because of the predatory interest I already paid more than the amount balance. To validate this information again I chatted with an employee who assured me yes it would not impact my account. I advised them I would not settle otherwise because my credit was good. Initially it reported settled account on credit. On XX/XX/XXXX I called to verify account was indeed settled because account showed a balance. The representative said yes the balance would be resolved and my account was indeed settled. The very next day a charge off from MyFortiva was on my credit report. It tanked my credit and even changed my rating with a couple of the bureaus. I feel this a XXXX retaliation after I called the XXXX time because I spoke to several people. I spoke to XXXX XXXX XXXX who advised me my account was delinquent since XXXX. I told her my account was never delinquent more than several days one time because I was working on the settlement amount. She advised me no your account was delinquent every month. I was so angry I advised I would be contacting an attorney. I believe if I wasnt XXXX XXXX this would not have happened. I have copies of the chat and they have recordings of the conversation where I asked if this would be credit impacting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 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: PA

Complaint narrative:
I have recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent charges on my credit report. This has been hurting me as I am trying to buying a home for my family. Please remove the fraudulent charges immediately.

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 2023-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I made an online transfer as part of a new savings bank account opening on XX/XX/2023 with Citizens Bank online. The transfer was done online using their online form. 

The account was opened and the funds were withdrawn from my XXXX  XXXX XXXX, however the funds were not deposited into my new savings accounts. When checking online Citizens showed that the funds were being returned, however they were never returned even after a week of calling many of their contact numbers. They keep transferring me from one number to the next but no one is able to help me. They told me not to go to a branch since the branch can not see online transactions. 

Currently I keep calling their numbers and they keep transferring me from one to the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
credit reporting agencies willful non-compliance with FCRA 15 usc 1681n, 15 USC 1681e ( b ) causing damages to my personal reputation with lenders and creditors, preventing me to enjoy my federally protected constitutional rights to ensure my domestic tranquility, general welfare and pursuit of happiness for family, home and personal use.

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 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My XXXX XXXX mortgage loan is being serviced by PNC bank. XXXX XXXX XXXX substitation of collaterla procedure states the following '' The Borrower must initiate the release/substitution process by submitting a written request to the Servicer. Upon receipt, the Servicer must submit a release/substitution request package through the MAMP ... '' ( XXXX  : XXXX ). 

After submitted my request to PNC, I was told that " PNC doesn't have a procedure for substitution of collateral requests for mortgages. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquires has also been opened up under my social security number fraudulently. Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Since XX/XX/XXXX I have been reaching out to equifax customer representatives to report an unauthorized hard pull inquiries made in my account on the XXXX of XX/XX/XXXX by different creditors. 

I have spoken to more than 10 of equifax representatives with all giving different information and some being rude or hanging up on me. 

I have mailed the documents they have requested to take this hard inquiries out of my account 3times yet they say they dont get it or their fraud department didnt provide it to them.

Each time I mail this documents through USPS I track it and it shows delivered with it containing my personal informations yet each representative says they cant find it on their system but they can see the dates the documents are delivered they just cant see the informations.

They say they cant see my FTC report or letter of request or SSN card so I decided to keep mailing it over and over again. 

I sent these same documents to XXXX and immediately, I got a mail that those inquiries has been deleted from my report. 

I sent these same documents to XXXX and XXXX said I have to call each creditors myself to ask them to remove the inquires from my report as they cant do it for me. Imagine me calling over 6 creditors myself to ask them to do what XXXX did without stressing me out. 

I am very unhappy about all these and its been causing me stress and affecting my mental health. Each time I call these credit bureau I feel worst and terrible about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I ordered a digital photo frame from a company named XXXX XXXX. There is no way to contact this company other than XXXX. I sent XXXX emails after The order was placed cancelling the order. I sent the first email wishing 2 minutes of the order being placed. Never received a response. They shipped the order anyway and they should not have shipped it. It should have been cancelled. I again sent over twenty ( 20 ) emails to them. I asked to return this XXXX numerous times and never received a single response. I filed a claim with my Bank Wells Fargo. Wells Fargo took forever to deny this claim. The company never responded ( XXXX XXXX ) to me. Wells Fargo just denied the claim. They never said if the company responded to them or not. Wells Fargo just sent some ridiculous letter saying my claim was denied and the XXXX would be deducted from my account. Wells Fargo does not protect its customers. Did this XXXX XXXX company respond to Wells Fargo? How can I contact this company? They have never responded to a single email I sent them. Wells Fargo Should NOT have denied this claim. If the company responded to Wells Fargo, Wells Fargo should have sent that proof to me. They should not have denied this claim. I can't get a response from the company. The only address I can find for them is in XXXX XXXX. No XXXX address.

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 monetary relief
Consumer complaint received 2023-05-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
my credit score has dropped over 100 points in the last 2 months. I couldn't find any missed payments on my credit reports so I looked into the experian account that was showing the worst drop. 

I found that I was showing balances on my experian boost accounts. 

I called to report that I had balances showing on my experian boost accounts. I told them that all of the accounts showed as paid never late but they were still counting against me. When I asked how to fix it they said the only way was to contact my bank. 

If your system says I am paid/never late why do I need to contact anyone? How can you show a balance from 6 months ago and at the same time say haven't missed a payment? 
No one could explain this to me so I asked what to do to fix it and was told to remove the accounts. 

So, following the advice from the representative I removed the accounts and my score DROPPED EVEN MORE!! I have been hung up on and been put on eternal hold throughout this process. The is no way to make a complaint to experian so I came here. 

My credit has been ruined because of experian boost,

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 2023-05-01 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 — Problem with personal statement of dispute
Company: Eastern Revenue, Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. The creditor is named EASTERN REVENUE INC. 


15 U.S.C 1681 602 A. States I have right to privacy.

15 U.S.C 1681 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my permission. 

I have contacted this EASTERN REVENUE INC to request they remove this from my credit report since 2021. They have not complied. They harass me everyday before XXXX and after XXXX. I want to sue. This account is not accurate and immediately must be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Summary of events On XX/XX/XXXX I opened a Home Equity Line of Credit with XXXX XXXX On XX/XX/XXXX I received and cashed a {$50000.00} disbursement check from XXXX XXXX into my XXXX XXXX XXXXXXXX checking account On about XX/XX/XXXX I was called from who appeared to be a Chase Bank ( on the caller ID ) and was questioned about the check, I did not provide any information other than telling them there was no authorization for Chase to have this check and that I had previously cashed it already. 
On XX/XX/XXXX my XXXX XXXX XXXXXXXX checking account was adjusted for what I was told is a duplicate deposit of the XX/XX/XXXX posting, I was told that XXXX had the rights to the check since they were the issuer and they needed to proceed with any type of claim at this point. 
Upon further research into the matter with XXXXXXXX XXXX I was told that XXXX XXXX XXXXXXXX was successfully paid on XX/XX/XXXX and that the check was presented a 2nd time at a Chase bank on XX/XX/XXXX. XXXX will not definitely say if they allowed the check to be cashed the 2nd time. 
I am getting conflicting information on who retracted the funds from my account, XXXX XXXX XXXX says JP Morgan Chase and XXXX says XXXX XXXX  XXXX or JP Morgan chase needs to be involved. 
JP Morgan Chase will not tell me anything and I am powerless at this point to do anything further which is why I switched my direct deposit from XXXX to XXXXXXXX XXXX. 
My checking account at XXXX is currently in deficit of {$35000.00} and XXXX XXXX XXXX refuses to open a claim no matter who I speak with, they claim I need to go through XXXX for wrongfully disbursed funds and they are going to close my account on XX/XX/XXXX if I don't bring it to a XXXX balance immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX : XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief