vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to you to put a security freeze on the disclosure of my credit consumer report. Also, I wish to opt out of any credit reporting done within my personal information. Under the Fair Credit Report Act youre required to comply. I do not give you my permission to disclose my information.

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 2022-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Glacier Bancorp Inc.
State: MT

Complaint narrative:
on XX/XX/2022 I recieved this text which I know is a scam XXXX XXXX : Your Account has been placed under review. Please visit https : XXXX to prevent further account closure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Unauthorized hard credit inquiry on XX/XX/22 Company : XXXX XXXXAvant LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX I contacted the company to inform them of the fraudulent activity they suggested I contact the fraud department and wait for a response in 5 to 7 days.

Avant did not offer me any information as to who or what information was used to obtain my credit profile but I would like this to go on record as a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I recently viewed my credit report and find some inquiries i did not aprove. 

XXXX XXXX XXXX XXXX XXXX XX/XX/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

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 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: VA

Complaint narrative:
To Whom It May Concern : I am responding to your contact about a debt you are trying to collect. You contacted me by telephone on XX/XX/2022. 

Upon answering the call from your debt collector, I informed her I did not believe the information was accurate and that I would need additional information from CSII in order to personally verify the validity of the debt. I asked her to provide additional details via email and she refused. Instead of either offering to send me the details via mail or even over the telephone, she repeatedly attempted to get me to confirm the debt was mine, saying things like so youve confirmed the [ radiology debt ] is yours. I provided no such confirmation. Further, when I asked if she would please provide the details of the debt via email, she responded that there was an easier way to deal with the issue by just confirming the debt was mine. I also attempted to reach CSII by telephone to speak with a supervisor but was repeatedly placed on hold until the call would drop. 

While a clever attempt at deceptive debt collection practices, CSII is in violation of several state and federal laws, including the Fair Debt Collection Practices Act. As you should know, I have a right to ask for any verification of the debt you are attempting to collect from me. I have ccd the Consumer Financial Protection Bureau as well as the Texas Attorney Generals Consumer Protection Division, so they are aware of such behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I received a notification that I was being sued by Klima, Peters & Daly P.A. for a debt they claim is owed to XXXX XXXX supposedly on the behalf of XXXX XXXX XXXX. The hearing is scheduled for XX/XX/2022. On three separate occasions, I requested the documents listed below but the attorneys have failed to send them. I sent XXXX 's attorneys three written requests for this information ( one on XX/XX/XXXX, XXXX on XX/XX/XXXX, and one on XX/XX/XXXX ). I have the right as a consumer to request proof of the debts they say I owe to them or their client and proof that there is some contractual obligation that is binding me to pay these alleged debts to XXXX Funding and the right to defend myself when being wrongfully sued. 


1. Copy of the original signed credit application between XXXX XXXX and XXXX XXXX XXXX  XXXX. unredacted. 

2. Copies of all statements and correspondence sent from XXXX XXXX XXXX  XXXX. to XXXX XXXX unredacted. 

3. A signed Contract between XXXX XXXX and XXXX XXXX XXXX  XXXX. unredacted. 

4. Copy of the check that was cashed for purchase of this particular debt and this debt only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: PA

Complaint narrative:
I have recently viewed my credit report and I see several credit accounts reporting on my credit report that should not be there. There is a " FEB/DESTINY '' revolving account reporting to my credit report and I never opened an account. The account is reporting a {$0.00} balance yet it is closed and has resulted into a collections account from " XXXX XXXX XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, DE 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 explanation
Consumer complaint received 2022-05-04 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: PA

Complaint narrative:
Hello my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete as soon as possible. Please apply these laws to my accounts. The Fair Dept Collection Practices Act Law 111-203, title X, 124 stat. XXXX XXXX XXXX  ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX Acct ( # # # # # # 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 2022-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I have my mortgage payments paid automatically through my checking account. In XX/XX/XXXX, TD changed the monthly payment amount, and when my payment was made in XXXX, the automatic payment was off by XXXX dollars from their increase. When I received a call from TD about this, I made the adjustment, I was charged XXXX fees for the XXXX dollars variance that was clearly an accident. I was told be the agent over the phone that it would be refunded, that I had a very healthy account and there are never issues. In fact, I regularly overpay the mortgage rather than underpay. We also discussed having TD do the automatic withdrawal rather than me setting up the auto-pay. 
When I followed up with the branch having not see the late fee drop, I was told the request was denied because I had a late fee refunded for a very similar issue back in XXXX. I do not remember this happening then, but if TD says it happened, it happened. I won't argue with that, however if the delta was XXXX, which mean I paid 99 % of the balance, and I am fined XXXX on something accidental, this is quite absurd and lack common sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: KS

Complaint narrative:
We refinance our car loan with Kia Motors Finance through our local credit union. Our credit union sent the funds on XX/XX/XXXX and confirmed that the funds were received by XXXX on XXXX. We called on XX/XX/XXXX, XXXX and XXXX to confirm if XXXX had received our funds and applied the payment to our account as our payment was due on XX/XX/XXXX. We were told continually to call back to check. It was only XXXX that a 'ticket ' was submitted to look for the funds. Unfortunately, there is only a 10 day grace period, and the turnaround for the ticket was supposedly 5 days. The end of the grace period is the time for the turnaround of the ticket, which could affect our credit score.

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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In an attempt to apply for credit, I was denied and checked my consumer credit report. TransUnion was the only reporting agency that had a credit score for me, and also had a late payment showing on my XXXX XXXX account. This is completely incorrect! I checked further and saw there were two companies, XXXX and XXXX XXXX XXXX, both on my report as collection agencies. This is definitely fraudulent because I never opened any kind of account with the, or are in no business contract or obligation. I noticed both XXXX and XXXX also have collection accounts for me for XXXX XXXX XXXX and XXXX XXXX, companies that I have no knowledge of nor should they have the right to defame me. I have contacted all three CRAs and there still has been nothing 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 non-monetary relief
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
Inaccurate information is reporting on my credit. XXXX, XXXX and Experian are reporting different information about the same account According the FCRA and account should report accurate information like payment status, last day of activity. 

I have disputed several times with the credit bureaus the FCRA VIOLATIONS but they do not update ANYTHING

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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
Began the relationship I'm XXXX of 2021, at a monthly charge of XXXX. Was told on the phone that one of the specific issues on my report could be handled and removed by the firm. It was not. Continued paying for 8 months now. Attempted to leave once before and was given a discount with a " we can try this instead '' more paperwork to sign. Documents supposedly sent off to credit companies. Canceled today. Upon attempting to cancel was again given a " we can try this different option '' to gain more headway. At every checkup simply told.to wait another 60-90 days with no update. Collecting money all the while. It seems to be the majority of the process is automated and extra action is only taken when you threaten to leave. 8 months later and there has been no removal of any item from my report as well as no information given as to why. I can't even prove for sure if any of these documents were actually sent to the correct places or not. Di not recommend this service at all. It's simply a money grab to keep you on the hook for services that are never performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: GA

Complaint narrative:
On XX/XX/2022 I sent out a letter to all 3 credit bureaus ( XXXX, XXXX, Experian ) about them reporting several inaccurate names and addresses. I received a response from XXXX on XX/XX/2022 that had an issue date of XX/XX/2022 acknowledging the receipt of my letter but questioning if I had sent the letter or had help. I decided to call of 3 on XX/XX/2022 to request that the incorrect names and addresses be removed. XXXX said they removed all incorrect names and addresses. XXXX said they removed all incorrect names and addresses. When I called Experian, I spoke with a representative XXXX stated to me " Though you say that name is not yours it is being reported by a creditor and therefore we can not remove that name. '' I stated, " but it's not my name '' and he reiterated that he can not remove the incorrect name. After going back n forth for 10 minutes I asked if I could speak with his supervisor. He continued to insult me and tell me I don't know my laws and refused to put a supervisor on the phone before asking me to hold and then hanging up after placing me on hold.

According to 15 USC 1681s-2, reporting information that a consumer reporting agency is aware is inaccurate after notice by consumer that the information is inaccurate violates consumer rights and therefore Experian is not in compliance.

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 2022-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i made by last mortgage payment on XX/XX/XXXX But back in XXXX I was in a foreclosure process and I apply to the Hardest Hit Program and they paid what I was behind to bring my mortgage current But because of the foreclosure there were lawyer fees and the Hardest Hit Program will not pay lawyer fees. In XXXX when I spoke with customer service with Bank of America they said I could make payments on the lawyer fees. So in XXXX i made a {$200.00} payment When I called in XXXX to Make a {$500.00} payment they refuse the payment Because they said my loan had mature on XX/XX/XXXX so I can no longer make payments on the lawyer fees. So now I needs to pay the lawyer fees in full by XX/XX/XXXX or if fail to satisfy the fees may result in a foreclosure. So any information or help you could give me would be greatly appreciated Thanks

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 2022-05-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 1. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX, IL XXXX ) 2. ( XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ) 3. ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX ) 4. XXXX XXXX XXXX XXXX XXXX, Ga XXXX ) 5. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) 6. ( XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ) 7. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) 8. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2022-05-04 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: TN

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX account number 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 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 explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In an attempt to apply for credit, I was denied and checked my consumer credit report. XXXX was the only reporting agency that had a credit score for me, and also had a late payment showing on my XXXX XXXX account. This is completely incorrect! I checked further and saw there were two companies, XXXX and XXXX XXXX XXXX, both on my report as collection agencies. This is definitely fraudulent because I never opened any kind of account with the, or are in no business contract or obligation. I noticed both Equifax and XXXX also have collection accounts for me for XXXX XXXX XXXX and XXXX XXXX, companies that I have no knowledge of nor should they have the right to defame me. I have contacted all three CRAs and there still has been nothing removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In an attempt to apply for credit, I was denied and checked my consumer credit report. XXXX was the only reporting agency that had a credit score for me, and also had a late payment showing on my XXXX XXXX account. This is completely incorrect! I checked further and saw there were two companies, XXXX and XXXX XXXX XXXX, both on my report as collection agencies. This is definitely fraudulent because I never opened any kind of account with the, or are in no business contract or obligation. I noticed both XXXX and Experian also have collection accounts for me for XXXX XXXX XXXX and XXXX XXXX, companies that I have no knowledge of nor should they have the right to defame me. I have contacted all three CRAs and there still has been nothing 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 non-monetary relief
Consumer complaint received 2022-05-04 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: NY

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX I sent letters to XXXX, XXXX XXXX Trans Union ; Requesting VALIDATION of the following inquiries that never had a permissible purpose according to the FDCPA LAW - They have never responded and clearly have violated my consumer rights. 

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 XX/XX/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