vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 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 2022-07-13 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 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 2022-07-13 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: IL

Complaint narrative:
I HAVE SUBMITTED SEVERAL DISPUTES TO THE BUREAUS WITH NO CORRECTION OR ACCOUNT UPDATES. STARTING ON XX/XX/2021 AND EVERY MONTH SINCE THEN. I HAVE TAKEN TIME TO SUBMIT SEVERAL DISPUTES ON SEVERAL INACCURACIES ON MY REPORT WITH NO RESOLVE AND NO INVESTIGATION ON THE PART OF THE CREDIT BUREAU. BELOW I HAVE SUBMITTED SOME OF THE CHALLENGES I HAVE SUBMITTED BUT NOT ALL.

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 2022-07-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I found inquiries on my credit that wasn't done by me. PLEASE SEE ATTACHMENT FOR THE LIST OF INQUIRIES TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: CT

Complaint narrative:
UPDATE TO CLAIM # XXXX TRANSUNION HAS VIOLATED ME THE CONSUMER AND ORIGINAL CREDITOR IN NUMEROUS WAYS AND I HAVE TRIED TO SETTLE THE MATTER IN GOOD FAITH AND THEY HAVE IGNORED ME AND NOT SETTLED AS REQUESTED. A NOTICE OF DEFUALT AFFIDAVIT OF TRUTH HAS BEEN SENT TO TRANSUNION ALONG WITH A 3949 IRS FORM.

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 2022-07-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account Account Number : XXXX 5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
9. Validate Account Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The due date for payments is the XXXX of the month. For the billing period ending XXXX a payment was made on XX/XX/XXXX. Then on XX/XX/XXXX the online app showed a payment due XX/XX/XXXX. A payment was made on XX/XX/XXXX for the XXXX due date. Synchrony then applied that payment to the previous billing period and on XXXX jot me with a {$30.00} late fee for not making a payment by XX/XX/XXXX, even though it was made 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 monetary relief
Consumer complaint received 2022-07-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
In 2012, my grandfather, who was in the early staages of XXXX and the only financial provider of the household, stopped making mortgage payments. The original servicer was Ocwen. The home was in the beginning stages of foreclosure. The only option Ocwen gave us to reinstate the loan was a shared appreciation modification ( we just learned ). He accepted the modifcation because we did not have the 6 months of payments to make to Ocwen. My grandfather has since passed away and my XXXX year old grandmother remains in the home with her XXXX daughter. We went through probate to have the home transferred into her name. The new servicer of the loan is PHH. We were close to making the final payment of the modified loan when PHH sent us a payoff amount for shared appreciation of XXXX. We immediately contacted them and received the run around for several days. In summary, they could not assist us. We even tried to have the amount refinanced so that we could pay XXXX XXXX in installments. They would not assist us. We received a new payoff amount of XXXX on yesterday which must be paid immediately. I asked how can the amount increase by XXXX in only a few months. The representative stated that they used the XXXX home value amount to calculate the shared appreciation. This company will not assist us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: CORELOGIC INC
State: NC

Complaint narrative:
XXXX XXXX XXXX- XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX CORELOGIC CREDCO XXXX inquiry date XX/XX/XXXX CORELOGIC CREDCO XXXX inquiry date XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date. XX/XX/XXXX XXXX - XXXX date XX/XX/XXXX XXXX XXXX date. XX/XX/XXXX XXXX I have reached out to the company they said that I have given authorization to pull my credit i did not. I am not aware of the inquires that are listed above. Therefore I have disputed several times with the credit bureaus and they refused to remove the unauthorized inquiries listed on the report. 


I have disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX 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 2022-07-13 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:
Transunion this is your final notice to DELETE those charge offs XXXX XXXX XXXX  and XXXX XXXX XXXX  of my consumer reports!! You have been holding this account more than 30 days. 
I am tired of YOUR negligent reckless investigation 15 U.S. Code 1681q - Obtaining information under false pretenses Is a violation!!! 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. According to the law everything what can not be verified after 30 days must be DELETED. 15 U.S.Code 1681s-2 A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a FINAL opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

Failure to respond to this factory with deletion of the charge off will result in legal action being taken against your Consumer reporting angency for which I will be also seeking {$1000.00} for violations and more damages Economic Emotional Statutory Punitive Wanton/reckless and willfully Attorney fees 15USC 15 SUITS BY PERSONS INJURED DEFAMATION OF CHARACTER NEGLIGENT NON-COMPLIANCE CIVIL LIABILITY MENTAL ANGUISH

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 2022-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone opened a XXXX from XXXX in my name. They then charged on the XXXX XXXX approximately {$100.00}. They have all of my information and they have changed my social security number to their address. The new card was sent to me but I did not open this XXXX XXXX account. I had another XXXX XXXX account which they somehow closed without my permission I guess because I have had an account since 2017. They were able to hack my online account. They also have my husband 's social security and have done the same with him.

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 2022-07-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone opened a XXXX from XXXX in my name. They then charged on the XXXX XXXX approximately {$100.00}. They have all of my information and they have changed my social security number to their address. The new card was sent to me but I did not open this XXXX XXXX account. I had another XXXX XXXX account which they somehow closed without my permission I guess because I have had an account since 2017. They were able to hack my online account. They also have my husband 's social security and have done the same with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone opened a XXXX from XXXX in my name. They then charged on the XXXX XXXX approximately {$100.00}. They have all of my information and they have changed my social security number to their address. The new card was sent to me but I did not open this XXXX XXXX account. I had another XXXX XXXX account which they somehow closed without my permission I guess because I have had an account since 2017. They were able to hack my online account. They also have my husband 's social security and have done the same with him.

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 2022-07-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I'm demanding validation of the debt I alleged owed XXXX pursuant to 15 usc 1692g to Professional Financial Services and XXXXXXXX XXXX XXXX. I'm making it clear I completely disagree with this alleged debt with communication in connection with debt collection 15 USC 1692 ( c ) .I disagree you are the original creditor 15 USC 1602. I'm disputing the entire amount. Your company shall cease and desist harassment pursuant to Fair debt collections Practice Act 15 USC 1692 ( c ) ( d ) ( e ) ( g ) ( k ) ( f ) ( I ). You must rebuttal my affidavit with evidence. Please keep in mind that statements of credit are not proof of a creditor nor is it proof that any transaction took place. Because I am the only party to this transaction I am the only one who verifies whether the information you provide is accurate or not.

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 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I opened a XXXX XXXX checking account on XX/XX/2022 with a bonus offer for up to {$500.00} bonus when receiving direct deposits of {$8000.00} or more within 90 days of account opening. I set up my employers direct deposit to direct to this account and received a direct deposit payment of {$8000.00} on XX/XX/2022. I called to confirm that this direct deposit met the requirements and twice had representatives confirm on a recorded call that I had met all requirements and that the bonus would be credited within the timeframe outlined in the offer. I contacted customer support on XX/XX/2022 for an update, as this was now past the date indicated and the bonus had still not been paid. They indicated to me that the requirements had not been met as the direct deposit coded incorrectly as a transfer. They raised a dispute to which I did not receive a response.

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 2022-07-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax this is your final notice to DELETE those charge offs XXXX XXXX XXXX and XXXX XXXX XXXX of my consumer reports!! 
You have been holding this account more than 30 days. 
I am tired of YOUR negligent reckless investigation 15 U.S. Code 1681q - Obtaining information under false pretenses Is a violation!!! 
18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. According to the law everything what can not be verified after 30 days must be DELETED. 

15 U.S.Code 1681s-2 A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a FINAL opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. 
Failure to respond to this factory with deletion of the charge off will result in legal action being taken against your Consumer reporting angency for which I will be also seeking {$1000.00} for violations and more damages Economic Emotional Statutory Punitive Wanton/reckless and willfully Attorney fees 15USC 15 SUITS BY PERSONS INJURED DEFAMATION OF CHARACTER NEGLIGENT NON-COMPLIANCE CIVIL LIABILITY MENTAL ANGUISH

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Multiple accounts have been created with my name, social, date of birth. Citibank and Citibank BestBuy are the latest of the accounts that were successfully obtained. Also, a checking account with XXXX XXXX XXXXXXXX was fully established, which has since been shut down. An account was created with XXXX & XXXX, XXXX XXXX XXXX and others with my identity. I wonder if the breach occurred when we obtained a home loan last XXXX ( 2021 ) because the entire application with XXXX & XXXX was done electronically ( DUE TO COVID ). The site was supposed to be secure. I have spent {$250.00} to get XXXX XXXX, and an obscene amount of time with each fraudulent activity to shut it down. Our system is BROKEN!!

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 2022-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TN

Complaint narrative:
I took out a loan through credit fresh ( line of credit offered through XXXX XXXX  ) on XX/XX/2022. I received a statement that showed for my first billing cycle, I had incurred a {$55.00} billing cycle charge ( which is fine- I agree to that ). I just paid the loan off today but it changes the billing cycle amount to {$160.00} when paying in full. I agreed to the loan with the {$55.00} charge but I did not agree to them changing it to {$160.00} when paying it in full. On their website 'https : //www.creditfresh.comXXXX XXXX  ' it states there is no pre-payment penalties yet I am being charged more when I was pre-paying the loan. I followed up with them today & customer service states the billing cycle charge changes based off how much you pay which directly conflicts with what was stated on the website about pre-payment penalties when I signed up. This intentional ambiguity is designed to charge me a pre-payment penalty despite stating they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an 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 2022-07-13 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: IL

Complaint narrative:
I HAVE SUBMITTED SEVERAL DISPUTES TO THE BUREAUS WITH NO CORRECTION OR ACCOUNT UPDATES. STARTING ON XX/XX/2021 AND EVERY MONTH SINCE THEN. I HAVE TAKEN TIME TO SUBMIT SEVERAL DISPUTES ON SEVERAL INACCURACIES ON MY REPORT WITH NO RESOLVE AND NO INVESTIGATION ON THE PART OF THE CREDIT BUREAU. BELOW I HAVE SUBMITTED SOME OF THE CHALLENGES I HAVE SUBMITTED BUT NOT ALL.

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 2022-07-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
I send the company a cashiers check to pay off my car. 
But they keep on harassing me and calling me up to 20 times in one week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: OH

Complaint narrative:
I purchased a a sectional from XXXX XXXX through American First Finance. I was told it was {$50.00} every two weeks. They are taking {$63.00} every week from my account. We have paid {$1000.00} to a couch that was only {$1400.00} to begin with now were being told we {$1700.00} more. This is not what I agreed too nor wanted. Then to have almost {$300.00} taken out of my bank is not right. These were vicious sales tactics. Ive tried explaining we cant afford that every month nor is that what I agreed to and its like they dont care.

Company response to consumer: Closed with non-monetary relief