vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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: 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or the list of inquiries 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 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.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Good Afternoon. I am a real estate appraiser that has completed appraisals for Citi before. About 10+ years ago, during the foreclosure days, I was engaged by Citi to complete an appraisal for a refinance. The subject was 1/2 mile from my office. If anyone knows the comparables and area it would be me as this is the area I work and live in. They sent me a letter telling me that I completed an appraisal and they had a review done. I don't know who reviewed my work or if they were even competent in this area. This rural area of Michigan only has a couple resident appraisers, me being one of them. They told me that I should have used different comparable sales based upon a review they had. They didn't provide the sales they thought I should have used. They told me I had one chance to explain myself and didn't provide enough information for me to respond. I needed more information to formulate a proper response. I wrote them back and asked them to please provide me with more information and if they could tell me what comparables their reviewer thought were better, I would be happy to explain why I didn't use them. Instead of giving me information so that I could properly respond, they wrote me back saying that was my one chance to respond and now I am blacklisted from future work with them. I considered filing a complaint however at that time I was so busy with work I didn't have the time to handle it. The blacklist does effect my future work opportunities as it is published for other lenders to see. I work very hard to do the best appraisals & I have been appraising for 23 years. I do not feel I should have been blacklisted as the appraisal was very good and I stand by it. Citi shouldn't damage an appraisers name without allowing the appraiser to properly stand up for themselves. I've worked for numerous banks, credit unions, attorneys for 23 years and have never been removed from any lists besides CITI. I have never been in any kind of trouble with my state licensing board or any trouble period. I ask that someone from CITI Bank please take care of this and remove my name from any of their blacklists that damage my reputation. There are other banks that use the Citi Blacklist as a guide for which appraisers not to use. Thank you for your time and please let me know if there is anything I can do to clear my name. I'm happy to do what it takes! Thank you! If you need the documents sent to me by Citi I can look those up and provide them.

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 2023-03-16 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: NJ

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ). Account # XXXX I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Experian, and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit and payment history is not correct on three credit as well. 
Which is a violation. This is impacting me from moving forward with my future plans. 

attach my previous credit report and my new credit report to show how Experian violated my rights

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 2023-03-16 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX my debit card was closed, my online banking was disabled, I called customer service said to call the next day. on XX/XX/XXXX I called the fraud department and they said they would call me back. I did not get any notification that my accounts would be restricted. I was trying to get food on my lunch and I don't have access to my accounts. this is unprofeccional, I have 4 mortgage payments due, my direct deposit from work arrives and I don't have any founds just my credit card. I need this to be resolved and I need someone to give me a call.

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 2023-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
I received a letter on XX/XX/2023 dated XXXX XXXX informing me of an alleged debt from Phoenix Financial Services. I mailed a letter requesting debt validation including any HIPPA release they received from the EMP of XXXX XXXX XXXX. In that letter I included a cease and desist of all telephone communications and that all communications be done in writing. They received my request on XXXX XXXX via certified XXXX mail. 
I received a letter XX/XX/2023 from Phoenix Financial Services that did not have any of the information I specifically requested and have a right to by law. I sent a second letter requesting this information via certified mail, they received it XX/XX/2023. As of today, I have not received any other letters from them and since it is past the 30 day response window I have recorded this debt unvalidated. 

I received a text message from them today XX/XX/2023 with links to their site. Which I will not click on due to the fact I have sent them a cease and desist of electronic communications. This is also now considered harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: CA

Complaint narrative:
This account was opened fraudulently i Did not give medicine to anyone to open this account under my name or Social Security number Continuing to keep this account open will result in a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: NY

Complaint narrative:
I disputed 4 accounts with Experian. One was resolved the next day. It was a collection account that was not mine. It was subsequently removed. But then my credit score decreased by XXXX points. This doesn't make any sense at all, and I can not reach anyone to explain or rectify it. 

Help Sincerely..

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 2023-03-16 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: Westlake Services, LLC
State: TX

Complaint narrative:
It's been over 30 days and the creditor has NOT corrected the false information that they have been reporting to the credit bureaus. They are reporting that I was 11 times late to the bureaus, YET when I had you to reach out to them months ago they sent you a letter stating that I was late only 2 times which is correct. This letter was mailed to me by your rep XXXX. 

Under Federal law they had 30 days to complete the investigation and by failing to do so, these items must be deleted from my credit report ASAP

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 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I contracted with the Bank of America for a credit card and was not given full disclosure which is a violation of Regulation Z of the TILA ( TRUTH IN LENDING ACT ). 
I authorized permission to representatives of the company to discharge the total amount of the debt in full pursuant to HJR 192 and Public Law 73-10 and was not given proper remedy.

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 2023-03-16 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: FL

Complaint narrative:
In Accordance with the fair reporting act creditors have violated my rights. Under 15USC1681 Section 602 States I have the right to Privacy. 15USC1681 Section 604A Section 2 It also states can not furnish an account without my written instructions. A Credit reporting agency Under 15USC 166B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: IL

Complaint narrative:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Loan Science, LLC
State: KY

Complaint narrative:
Climb credit had me to sign up for a student loan for XXXX school classes. However I could not do it because I dont have a GED, I received no books, took no classes or received any money. When I call I get the runaround. They cant even give me the name or location of said school. So I CANT contact them! But t receive statements in the mail. When I called they said they couldnt help me that I had to call climb. And they tell me I have to call the collection dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
Acct XXXX was under resurgent for {$830.00} made payments XXXX XXXX amount of XXXX. Collection now belongs Jefferson Capital in amount of XXXX to pay off. Payments made to resurgent were not forwarded. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Account control technology ( ACT ) was responsible for collecting my student debt since XXXX. ACT was transferred to XXXX XXXX XXXX in XXXX of XXXX, yet I never received a notification about the transfer until XX/XX/XXXX. I received a bill in the mail notification that I owed money to XXXX XXXX XXXX on XX/XX/XXXX. I contacted them and they told me that they hadn't received a payment since XXXX of XXXX. I told them I was still paying Account control technology ( ACT ) ( I have bank statements to prove this ). When I attempted to login into my ACT account to switch payments to XXXX XXXX XXXX, the portal no longer existed, yet my payments were still being sent to " ACT-TRUST '' yet the payment was not being applied to my loan amount. 

I contacted XXXX XXXX about this, they told me I needed to contact my bank and report the problem that they could not fix it. This merger of accounts has been very frustrating and not good business practice. I have been charged additional interest on an account that was in good standing and being payed on monthly. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Yesterday, XX/XX/2023, I opened disputes online with Experian because I noticed 17 addresses that were attached to my name but do not belong to me. So I began to dispute the incorrect personal information. Some information they would not allow me to dispute some online for unknown reasons, so I was able to dispute all of the information. 

Today the disputes were concluded and I noticed that even though I listed the addresses as inaccurate, Experian is attempting to hold onto information by simply updating the data instead of deleting it and I do not know why. 

The following information is not mine or has been updated from data that was stated to be inaccurate previously : 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 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 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 

Also, Experian does not allow personal disputes for personal details and I do not know how else to remove personal information that is not mine. At this moment, I know my rights are being violated and I have attached proof of this below.

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 2023-03-16 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. 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 XXXXXXXX Account Number : XXXX has violated my rights. Or the list of inquiries 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 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. 

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 explanation
Consumer complaint received 2023-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one auto finance is attempting to ruin my credit on purpose. I had an auto loan with them. My car was totaled in 2020 capital one incorrectly billed me and reported a balance after car was paid I disputed the charges numerous times to no avail. Subsequently we came to a settlement amount. The account was fully paid last week. After that I filled a XXXX  complaint requesting capital to reflect the account was paid. After that complete was processed capital one restricted access to my account. I paid the account last week. Today I was alerted the account was reported as delinquent and dropped my score by XXXX points. I'm so upset. This is so Wrong. The account is paid. And they have reported it as delinquent. I will make complaints daily to every government agency possibly until this is fixed. I feel this was done out of retaliation due to my previous complaints. This is so wrong. The account is paid. You all have restricted access to the paid account and have reported incorrect information I will get a lawyer involved. I have already made complaints to the nys attorney general. This company has caused my home buying process to he halted due to reporting to the credit bureaus incorrect info which resulted in an immediate XXXX point drop. This is so wrong. I want this fixed. 
Please help I don't know why they are doing this me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
my name XXXX XXXX i see i have a collection on my credit report from midland credit balance XXXX i dont owe this company any money and i been disputing it with XXXX  and XXXX  XXXX  i want midland to delete this account from my credit report asap delete delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ). Account # XXXX I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, and Transunion did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit and payment history is not correct on three credit as well. 
Which is a violation. This is impacting me from moving forward with my future plans. 

attach my previous credit report and my new credit report to show how XXXX violated my rights

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