vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been going back and forth with this Company Transunion about removing a Bankruptcy on my credit report that is not accurate or belongs to me. They keep stating that it is verified by XXXX and the court system and I have already submitted documentation from both sources that state they did not verify that information with them. I just recently sent them a letter stating that per the fair credit reporting act they have to submit me proof and documentation with my signature or any contracts that indicated this account is mine. They then indicated that the letter was not acceptable but then I called and spoke with a Supervisor that stated he was going to submit the dispute for me over the phone indicating that I need written documentation showing proof that this account belongs to me. By law they are suppose to submit that information to me within 30 days of my dispute and if they do not then they have to remove 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 non-monetary relief
Consumer complaint received 2022-02-04 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: TX

Complaint narrative:
Experian is reporting an address in which I have never used? 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX is Reporting a inaccurate name : XXXX I XXXX XXXX is Reporting a inaccurate name : XXXX I 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 2022-02-04 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: Radius Global Solutions LLC
State: NY

Complaint narrative:
RADIUS GLOBAL SOLUTION is reporting as a collection. It is for a medical bill. I have health insurance and this should never have gone to collections!

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 2022-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I requested a refund on my XXXX credit card of the value credited to my account due to a product refund. 

This was on XXXX. I was informed it would be XXXX  days. That was fine. It has now been almost XXXX. 

I contacted the company again and am informed that there is no record of my request and that I have to wait the XXXX days again. 

This is unacceptable, because I know that just like they can take money out of the connected account, they can also return to the account as part of the eft agreement.

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 2022-02-04 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
This my second claim since my first claim didnt come to a resolution XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by putting an unauthorized inquiry on my consumer report without my consent and has also failed to verify the inquiry and failed to comply to my demands from my ceased and desist letter and the payment of the invoice I sent as well. 
I am a consumer and the FCRA States the fact that credit reporting agencies are supposed to report accurate information by XXXX XXXX XXXX XXXX XXXX illegals actions it has cost me financial damage to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We are required by XXXX to use B of A for our credit card processing, the fees being charged to each hotel is mandated by XXXX and for that reason we see unfair increases, and pay higher fees to B of A at our XXXX property, we use B of A for other hotels and the fees are not as high. 

XXXX kickbacks from B of A are driving our processing fees up over 5 % per {$1.00}... when industry average is 3 % or less.

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 2022-02-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent letters to all three credit bureaus stating that the inquires did not belong to me and I did not authorize them at all. These letters were sent out XX/XX/2021 and I have yet to receive a response and when I call customer support they say that they cant remove it without me filing through you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
XXXX is stalling on my re-investigation by claiming that they can not locate my file due not not having my full social number and proof of identification when in fact they have previously verified my identity. 

XXXX is reporting the date of last activity on the collection account in question as XX/XX/2022 this is an 605c running of the period violation due to they have re-aged the date of last activity when it is in fact suppose to report as the last time a payment was made on this account. 

They have failed to properly validate that this account is reporting maximum possible accuracy and due to the present violation there is no way they properly investigate this account. 

I would like for smith and rouchin to provide PROOF of this alleged debt as they can not ASSUME that this debt belongs to me without PROPER verification. Please note that an itemized bill does not constitute proper verification. 

I have no Written agreement with smith and Rouchin nor have I ever done business with this company .. both companies have FAILED to properly validate that this account not only belongs to me but is reporting maximum possible accuracy per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. My information was also impacted by XXXX, Equifax and XXXX data breach and May have got into the hands of the wrong person. I am writing to request that you block ( FCRA 605B ( 15 U.S.C. & 1681 c-2 ) the following unauthorized information from my credit report. I have no idea how the misinformation come to take place. I pulled my credit report and there were accounts and inquires on my credit report that are not mine and ARE UNAUTHORIZED. I filed a formal complaint with the Federal Trade Commission. 
Remove fraudulent account as I have no knowledge of any of these accounts due to EQUIFAX breach Identity theft. 
XXXX  XXXX XXXX Balance : {$10000.00} FDCPA Section 807 Violation Misleading False deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The account is INACCURATE and I'm seeking LITIGATION REMOVE/DELETE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TX

Complaint narrative:
I asked XXXX and Equifax to remove this information on my report as it is incorrect. 
They never did!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: MA

Complaint narrative:
Hello - I noticed that my credit score decreased by XXXX points overnight based on 1 % credit usage. First and foremost, 1 % credit usage does dictate a reduced credit score of XXXX points! Secondly, I have an EXCEPTIONAL credit payment history! That rating ALONE denies the fact of my credit score decreasing by XXXX points nor an ACCURATE DEPICTION of my credit score. Third, the balances listed on the accounts were incorrect! I had paid several of the balances off and STILL my credit score was reduced by XXXX points. I dont tolerate this type of nonsense. I will follow up with credit bureaus EXECUTIVE MANAGEMENT and make public notice of incorrigible actions taking place on credit reports. I deeply advise that these inaccuracies get corrected ASAP. 

Good Day!

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 2022-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEMBER FIRST MORTGAGE, LLC
State: MI

Complaint narrative:
Member First Mortgage ( through an " error '' ) released all of my credit report to my ex-husband without my consent. He is refinancing the mortgage on our marital home to buy me out of my share. My name is NOT on the application, and we are no longer married, but they provided my entire credit report to him without my consent or knowledge.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Received a FCRA notice from Navient alleging a possible collection action, so in response I filed a request for Validation under FCRA. I requested that Navient prove the debt by supplying me with the promissory note between Navient and I. They claimed that my FCRA inquiry was frivolous and irrelevant under FCRA, simply because they cant prove the debt that they are collecting on void a promissory note. The FCRA is very clear what is to happen to debt that cant be proved!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A few years ago I opened up a secured card from Capital One for {$500.00} dollars. 
It got maxed out due to financial hardship but I always tried to pay something. Capital One continued to collect high interest rates for months and months with no issue. I decided to pay the card off to bring the balance to XXXX and they closed my account days after. ( If not even faster ) It appears to me that they intentionally waited for me to pay off the balance to close my account, isn't this highly illegal? That's not even the only issue. They never gave me my deposit of {$500.00} back. They only refunded me {$390.00} and kept telling me that's all I gave them which is a lie ; I gave them XXXX dollars hence my XXXX dollar limit on a secured card. 

Basically not only did they wait until I paid it off to close my account which is blatant discrimination and borderline scam behavior, I had to call to get my deposit back after I paid off the entire balance and then they didn't even give me my whole deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
I received a new mortgage statement showing my payment went up roughly {$120.00}. 

I called BSI financial to go over why my payment increased. They said it was due to an escrow analysis showing I was short {$800.00} in my escrow. I asked how that was possible when I overpaid escrow by {$230.00} in XXXX, and I show a balance on XX/XX/XXXX of over {$700.00} in my escrow account. The first rep said I needed to have at least {$1100.00} in my escrow to cover a 2 month cushion. I explained my XXXX taxes are {$1600.00} and my insurance is {$1900.00} annually. My monthly escrow is about {$300.00}, which shows I have more than a 2 month cushion. After this I had to speak with a supervisor. 

No one at BSI could explain why I paid {$3700.00} in XXXX escrow when I should have only paid {$3500.00}. They also could never explain why I have a shortage when when my taxes and insurance are nearly the same from XXXX and XXXX and there was an over payment in XXXX. 

This seems like suspicious activity. I've never been late on a mortgage payment, my insurance is the same as XXXX, and my taxes went up just over {$100.00}. Please also see attached documents where my insurance payments have been disbursed several times. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer reporting agencies furnishing inaccuracies on my consumer file. On XX/XX/XXXX I sent a letter to XXXX XXXX  asking if they furnished or was asked to furnish an alleged bankruptcy on my consumer report by the big 3 consumer reporting agencies? ( Transunion, XXXX, and XXXX ) I Received a letter dated XX/XX/XXXX from XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX stating that they are not associated with any consumer reporting agencies. What is included or expunged is from a consumer report is determined by the credit reporting agencies. Since XXXX XXXX did not get this information from the court, I need to see a copy of the documentation you have in my consumer file as to where they did receive this information. Federal Privacy Act of XXXX - XXXX U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents.

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TransUnion and XXXX are reporting date filed on XX/XX/XXXX, while XXXX is reporting the date filed as XX/XX/XXXX. 

Thus, making my consumer file inaccurate. 

The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. TransUnion reports the reference number as XXXX, XXXX reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well.

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 2022-02-04 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: NY

Complaint narrative:
Consumer reporting agencies furnishing inaccuracies on my consumer file. On XX/XX/XXXX I sent a letter to XXXX XXXX asking if they furnished or was asked to furnish an alleged bankruptcy on my consumer report by the big 3 consumer reporting agencies? ( XXXX, XXXX, and Experian ) I Received a letter dated XX/XX/XXXX from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX stating that they are not associated with any consumer reporting agencies. What is included or expunged is from a consumer report is determined by the credit reporting agencies. Since XXXX XXXX did not get this information from the court, I need to see a copy of the documentation you have in my consumer file as to where they did receive this information. Federal Privacy Act of XXXX - XXXX U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents.

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian are reporting date filed on XX/XX/XXXX, while XXXX is reporting the date filed as XX/XX/XXXX. 

Thus, making my consumer file inaccurate. 

The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. XXXX reports the reference number as XXXX, Experian reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well.

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 2022-02-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are reporting date filed on XX/XX/2015, while Equifax is reporting the date filed as XX/XX/2015. Thus, making my consumer file inaccurate. The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. XXXX reports the reference number as XXXX, XXXX reports XXXX, and Equifax reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well. 
Certified mail Tracking number XXXX mailed to US Bankruptcy XXXX New York XXXX

Company response to consumer: Closed with explanation