vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to 15 U.S.Code 1681 c-2 under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2022-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
Grain technology creditor! So in XXXX a payment was due. I couldnt not be able to make payment because I need to change my bank. I contacted them and took almost a week! And it was pass the due date and try to call in the phone number and seem not to be working! So I had no choice and let it pass the due date that will count as a late payment on my credit report! So I told the support and they said the creditor leader will not be able to waved the late payment due to a decay support respond!!? This is very unfair and disappointing! I try reporting to the credit bureau and it seem like it not working and denying my complaint dispute! How is this fair? And how it is my fault when Im trying to make payment before the due date but I cant because I needed my bank to be change! But they did took very long time to respond! And that is why my XXXX report is late unfairly! I have no choice but to go further complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-10-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
This summer, I was forced to move my XXXX  loans from XXXX XXXX ( I never had a problem with them, ever ) to Mohela. I have yet to be able to talk with a customer service person although I have been calling at least once per week since XXXX. I have created an online account, but other than telling me my balance and showing the paperwork ( XXXX employment verification forms ) is being processed, it doesn't tell you any more than that. With the XXXX XXXX deadline approaching, I want to make sure that all of my payments will count. I have made XXXX payments ( the latest count from XXXX  XXXX ) and by the time XX/XX/2023 rolls around, I should only have XXXX payments left. 
I have sat on hold for hours only to have an automated recording telling me " There is an error in completing your request '' when trying to be transferred to the Mohela XXXX department. I even tried just getting to customer service with the same result. I also need to know what my new payment will be beginning in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the accounts listed under XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, MIDLAND CREDIT MANAGEMEN, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: CL Holdings LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the accounts listed under XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, JEFFERSON CAPITAL SYSTEMS, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have an XXXX XXXX Citibank credit card. While on the internet, paying my CC, I received an ad for a Citibank XXXX XXXX account. Since, I have the CC I decided to open a savings account with them. On XX/XX/XXXX, I applied online, and opened a savings account with Citibank, and transferred {$3500.00} into the account. Everything seemed ok with the account so far. On XX/XX/XXXX, I deposited another {$2000.00}. I checked my account on-line on XX/XX/XXXX and everything was still OK. I was planning on making another deposit on XX/XX/XXXX, when I noticed that they had blocked my account. When I called the number on the back of my Citibank card they informed me that my account was under suspicion to be a fraudulent account. They wanted me to send proof of funding, my drivers license, and a utility bill with my name and address to XXXX, which I did. I have been on the phone with them more than 9 times since my account has been blocked. I have been asking to speak to a supervisor or manager to clear this up. They take my phone number and inform me that a supervisor is not available at this time and they will put in a request for a call back. I wait, and wait, NO CALL BACK. I call again and get the same run around. Now, I visit the Citibank website, I log in, pull up a current statement and see that my account balance is {$1.00}. On XX/XX/XXXX it shows a OTHER DEBIT amount of {$5500.00} subtracted from my account. I keep trying to have my account unblocked, but to no avail! I do not know what else to do? They are getting away with stealing thousands of dollars from who knows how many people. PLEASE HELP!!! I have contacted my banking establishment and they have closed the claim stating that the funds where transferred and excepted. There is nothing they can do about it.

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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
On XX/XX/2022 XXXXVETERANS UNITED HOME ran my credit without my permission.

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 2022-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I submitted a claim before about Midland Credit Management, and the laws that were broken against me. However, in response Midland explained themselves on their behalf, and now after 30 days have passed I reviewed my credit report again and I'm seeing all the incorrect information that is reporting on my credit report. Midland still have not responded to my request of sending me validation of the account in the specific things that I've asked them to send to me as a result of validating the account. This is a on-going battle between Midland and myself, and I am getting nowhere with Midland, meanwhile they are reporting false information upon my account all while not ever validating the account to me. It's past the 30 day allowance for me to have received the information I've previously requested of them to send to me, and it was actually sent using the CFPB portal. Midland need to remove this account off of my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a living person. I am reaching out once again about the prior complaint submitted by me XXXX XXXX. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of any information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-24 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: NJ

Complaint narrative:
TRANS UNION DID NOT ADDRESS THE ORIGINAL COMPLAINT AND COMPLETELY IGNORED MY REQUEST TO REMOVE THE XXXX XXXX ACCOUNT FROM MY CREDIT REPORT ; TRANS UNION HAS NOT PROVIDED ME WITH THE DOCUMENTATION FROM THE ORIGINAL CREDITOR AND HAS NOT PROVIDED ME WITH ANY PROOF OF THE ACCOUNT BEING A CHARGE OFF. i HAVE NOT RECEIVED ANY PROOF OF SAME. I AM ENTITLED TO SEE THE DOCUMENTS AND I NEED THIS ACCOUNT REMOVED 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 2022-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In 2020 I skipped 3 payments XXXX through XXXX received a letter stating I was approved to defer the payments. SP 's waited until XX/XX/2020 to send me a letter saying they were only applying 2 payments to the end of my loan. I called my service manager and let her know it was incorrect. They refuse to this day to correct the error making me one month behind in my payments for over 2 years now. I don't know what else to do. They gave me difficulties with this from the beginning stating my loan was not federally backed which I had to prove to them that it is. The letter they sent deferring only two payments is not even for the correct months they say XXXX and XXXX I started paying again in XX/XX/2020 and have not missed a payment since. 

Thanks for your help. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On or about XX/XX/2022 I sent letters to Experian describing multiple instances of fraudulent reporting on my credit report. I gave them 30 days to remove the accounts and they have not complied. The accounts are listed below. 
FRAUDULENT REPORTING XXXX XXXX FRAUDULENT REPORTING XXXX XXXX XXXX FRAUDULENT REPORTING XXXX FRAUDULENT REPORTING XXXX XXXX  FRAUDULENT REPORTING XXXX XXXX XXXX No attempt to communicate with me regarding these accounts has been made. No attempt to validate the accounts has been made.

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 2022-10-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-10-24 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: Chime Financial Inc
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Chime/XXXX XXXX for committing identity theft. On XX/XX/2022 I checked my credit and seen that an account reporting that I never opened or authorized. I have never given CHIMEXXXXXXXX XXXX ANY permission to use any of my identifying information to commit fraud. Until CHIMEXXXX XXXX  can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent open account from my credit file, if this documentary evidence can not be produced and Chime/XXXX Bank continues to report this unauthorized account. I will file for litigation for actual damages caused and CHIMEXXXX XXXX will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A , extortion, theft by deception and securities fraud. CHIMEXXXXXXXX XXXX  is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at, and was told that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was attached to this said Chime/XXXX XXXX  account and XXXX customer service agent told me that it can't be removed. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The following transactions were fraudulently committed and when the dispute was created, it was denied. 

XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$42.00} XXXX XXXX XXXX XX/XX/XXXX {$43.00} XXXX XXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$39.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$55.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$44.00} XXXX XXXX XXXX XX/XX/XXXX {$41.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$32.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: FL

Complaint narrative:
id theft victim XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/2021 {$31000.00} Amount Not my 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