vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 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: FL

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX, XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect?

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I am trying to buy a home and this a defamation of my character.

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.

15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated credit 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 non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
On or about XX/XX/XXXX I called Eastern account systems for XXXX XXXX. about a account that Ive disputed several times with all 3 credit bureau. When I called them on or about the XX/XX/XXXX. Their own system couldnt verify any debt tied to my phone number. Which Ive had since XXXX. After waiting on hold for approximately 45 min a gentleman named XXXX XXXX got on the phone. And was very rude. He kept cutting me off when I try to explain what the issue was. And after I gave him my full name. He wanted me to verify address, social security number, date of birth. I told him no for my security I need them to verify this debt. And I would verify any information they might have. XXXX XXXX got angry and stated he doesnt have to do anything and that he was personally going to make sure it stayed in my credit until the day it was paid in full. And only at that time he would think about removing it. When I asked him for his supervisor he simply laughed and then hung up on me. I still dont know what this debt about or any information because Ive never received a verified debt notice. They cant seem to give me the basics of information about this debt. On my credit report has no account number. It says its from XX/XX/XXXX but i was homeless due to hurricane Ian up till XX/XX/XXXX when the VA got my family into a home and out of the hotel. They had to pay a extra XXXX deposit for a total of over {$9000.00} just to be able to rent a house do to this negative and bogus reporting done by Eastern Account System on behalf of XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: SC

Complaint narrative:
Our taxes were inaccurately assessed by the XXXX  of XXXX and were reported incorrectly to the Cardinal Financial ( our mortgage company ) in XX/XX/2023.mortgage payment on loan XXXX XXXXXXXX for the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. The XXXX of XXXX had inaccurately assessed our property at the wrong tax rate, impacting our mortgage payment and escrow account. After waiting for the error to be fixed, this was completed and re-assessed for the accurate amount owed. The new monthly payment skyrocketed to an amount we simply could not afford and placed much stress on our family. We drained our savings and submitted the required payment to bring our escrow account to over {$7000.00} as requested by the lender. 

We immediately reached out to Cardinal Financial and informed them this needed be adjusted, however we were asked to fax and email the new tax document, which we did. We called numerous times and were told this was received and a loan re-analysis was to be performed as of late XX/XX/2023. After finally speaking with a supervisor, we were told the analysis was never performed and somehow fell through the cracks. We were beyond enraged but she promised this would be settled by XX/XX/XXXX. This unfortunately did not happen and our loan continued to fall behind, incurring late fees that should not have been applied due to this error on Cardinals behalf. Finally, after many more calls, we were advised it was approved and our taxes were found to be {$2700.00}. However, we are XXXX being advised that we owe well more than what reflects the true loan, interest, and tax amount for the months of XXXX. 

The lender is still asking for the inaccurate amount due, despite confirming it is wrong and refusing to accept the new adjusted payment. They said we need to pay them more than we owe and then we will receive reimbursement. We do not have the funds that exceed the true amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: PA

Complaint narrative:
I have not received anything that validates the alleged debt is mine. I need to see the original contract with my signature and the signature of the person I owe alleged debt to. I need to know who owns the alleged debt as well as their address. According to 15 U.S. Code 1692 ( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Therefore if the above information is not provided the alleged debt is not validated and according to 15 U.S. Code 1692g ( b ) all collection efforts shall be ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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:
I have not received anything that validates the alleged debt is mine. I need to see the original contract with my signature and the signature of the person I owe alleged debt to. I need to know who owns the alleged debt as well as their address. According to 15 U.S. Code 1692 ( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Therefore if the above information is not provided the alleged debt is not validated and according to 15 U.S. Code 1692g ( b ) all collection efforts shall be ceased.

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-07-19 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On my XXXX credit report i have 2 hard inquiries on XX/XX/2023 and XX/XX/2023 from American Express/AMEX . I also have 5 soft inquiries from American Express/AMEX for the same days. 

On XX/XX/2023 i have a hard inquiry from XXXX XXXX along with 1 soft inquiry on the same day. 

I also have 1 hard inquire from XXXX XXXX XXXX and 2 soft inquiries for the same day of XX/XX/2023. 

All these are duplicates and are not accurate. These companies ran my credit multiple times without my permission resulting in multiple inquiries on my account. These applications were for pre approvals which they assured me would be a soft inquire and not a hard one. However, weeks later, the inquires say they're hard. This is not accurate representation of my account and i want the hard inquiries removed because these were suppose to be soft inquiries, hence why we have so many soft inquiries from the same companies on the same dates. I believe this was a mistake on their part and id appreciate it if they removed the duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
The company Navient is misreporting the credit history for three accounts : XXXX. The account reported on time payment on XX/XX/XXXX and the next month it is 90 days late. In XX/XX/XXXX it is reporting on time and the next month it is 90 days, then 120 and lastly 150 days. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
I am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. You are also reporting the date last active was XX/XX/2023 when this is incorrect. The XXXX is critical when dealing with the statute of limitations and I believe your company as well as the collection agency knows this and that is why you illegally updated the date last active. I dispute your claim and I requested validation from XXXX pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) and received nothing. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

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 2023-07-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On XX/XX/2023 I was navigating the Venmo app attempting to pay a tip to a vendor for a service I had paid for. Upon trying to send a {$10.00} tip to a company. I was somehow redirected through the app to request a credit card. I have no intentions of opening a credit card and they sent me XXXX in the mail without any type of confirmation that I actually wanted a credit card. I contacted Venmo through synchrony bank and they canceled the credit card and I also requested that they contact the credit bureau to remove the hard inquiry that they had made, I feel like the solution is resolved, but someone needs to know that Venmo is issuing credit cards with a little to no actual notification that youre applying for a credit card. It should not be XXXX clicks on an app to automatically get a hard credit inquiry and send you a credit card. I work very hard to keep my credit up and this negatively affected me by XXXX points. I felt like it needed to be reported.

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 2023-07-20 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: NC

Complaint narrative:
I have a settlement with XXXX XXXX XXXX dated XX/XX/2022. Where they agreed to show the account ( XXXX ) in dispute as paid in full as agreed, and inform all credit agencies of the updated status of the account. In return I would drop my lawsuit against said company. In the agreement XXXX said they would have this done in no more than ( 60 ) days. It as been over a year and all credit agencies are still showing the account. As charge off with a XXXX balance and last payment. I have tried to contact Equifax, XXXX, XXXX by phone and Im told theyre not able to verify my identity. Ive sent several letters via the post office explaining Im as victim of identity along with police reports FTC identity theft report. My ID, SSN card and most recent bill and still they say they not blocked or removed the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent.

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 2023-07-19 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: OH

Complaint narrative:
The original debit was to XXXXXXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXXXXXX  health center never been contacted by XXXX XXXX to pay the debt or to make an agreement with the hospital to pay the debt. after they filled the bill improperly to the insurance, Instead, they decided to send the debt to a collector in XXXX XXXX XXXX XXXX debt collection laws because as live in XXXXXXXX. They have sent me repeated letters that say that my information was sold from the hospital to them, along with the debt in an attempt for them to collect the debt. they call me multiple times a day from multiple different robot numbers changing their number multiple different times they call me while Im at work. The debit collection agency Capio partners ( XXXX XXXX XXXX ) never once informed me on their intentions to purchase my debt and to collect. Nor did the hospitals, tell me their intentions to sell my debt to the collector so that I could handle the debt before it even reached this point, My personal information my email my address and my phone number have all been sold to this company in XXXX for an debt less than {$2000.00} without even contacting me or trying to consolidate it not once did I ever make verbal or written agreements with this company or with the hospital for my debt to be moved or displaced anywhere other than with the company I had made the treatment agreement with this is an obvious method of subterfuge used by this company and by the hospital to collect this debt how they didnt violate my doctor-patient confidentiality right is beyond my reasoning

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: IL

Complaint narrative:
When I check my credit report with Trans Union, I noticed the same derogatory remark on my credit report. That Trans union removed in XX/XX/XXXX with XXXX XXXX XXXX The contract was not signed by the company 's representative and myself dated XX/XX/XXXX. In Trans unions investigation with XXXXXXXXXXXX XXXX XXXX XXXX  stating they are FCRA Requirements is valid. To change the opening or collection date to 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
Consumer complaint received 2023-07-19 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: FL

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX, XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I am trying to buy a home and this a defamation of my character.

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.

15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated credit 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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I opened a new checking and savings account with Chase Bank. After opening the accounts I transferred/deposited a total of XXXX to the checking account and deposited two checks, one for {$400.00} and one for {$500.00} into the savings account. The checks are payment for my employment. They ( Chase Bank ) stated that depositing checks into the new checking account was suspicious activity and they proceeded to restrict both the savings and checking account, stating they are unable to identify the legitimacy of the the checks. On a different phone call, I was told that the checks bounced and that was the cause for the suspicious activity but on another phone call later on, I was told that was untrue. I have no idea what is actually true at this point, I have no way to access the money in either accounts and they are now saying that they are going to close my accounts and mail me a check. From what I've seen online, this is a common occurrence and people rarely, if ever, receive the checks after the accounts are closed. The total amount that is currently restricted by Chase Bank is {$5900.00}

Company response to consumer: Closed with explanation