vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lamont, Hanley & Associates, Inc.
State: NH

Complaint narrative:
Today, XX/XX/2023, i recieved 4 phone calls from Lamont, Hanley, and Associates XXXX. Received XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( on my work phone ), and again at XXXX XXXX on my cell phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I closed in XX/XX/XXXX. 
In XXXX I started having predatory lending practices against me, denying modifications, harassment, I fought the companies, one after another after another until XX/XX/XXXX I won, the judge removed the Lis Pendens, Subsequently, I have been harassed continuously by one company after another, all listed with the FBI. 
On XX/XX/XXXX, my kitchen caught fire. I have fought to collect my money to no avail from XXXX XXXXXXXX XXXX  in Florida. They forced me to endorse the check to Fay Servicing Mortgage Co. 
I have had a destroyed kitchen, and need to make repairs, and now another winter is approaching.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: GA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/XXXX. 2023, I received a letter from Barclays stating that my application for a Barclays Mastercard Black Card was denied because its " review of my prior interactions with Barclays allegedly evidenced cardmember behavior toward Barclays ' representatives which allegedly did not comply with its expectations. '' Please state the date, the time, the name of Barclays ' representative that the interactions was allegedly made, and describe in full detail the specific " prior interactions with Barclay that allegedly evidenced cardmember behavior toward Barclays ' representatives which you contend did not comply with your expectations. '' In addition, please attach a copy of any documentation that you contend supports your response to the above specific questions. Please also attach any Bank policy that you contend that did not comply with your expectations

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 2023-07-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 consent.

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 2023-07-10 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: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my 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 explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE TO OPEN THESE FRAUDULENT ACCOUNTS. I HAVE SENT MULTIPLE CERTIFIED LETTERS TO THESE CREDIT REPORTING COMPANIES TO BLOCK AND REMOVE THESE FRAUDULENT ACCOUNTS AS I AM A VICIM OF IDENTITY THEFT.

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 2023-07-10 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: IA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. I submitted my first complaint on XXXX XXXX XXXX secornd complaint on XXXX XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed ( XXXX Credit card with account # XXXX and XXXX : account # XXXX ). According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing inaccurate. 
I believe that the information reported is incorrect and does not accurately reflect my credit history. I and requesting that you investigate and correct the errors as per my rights under the Fair Credit Reporting Act ( FCRA ). 
To support my dispute, I have enclosed copies of relevant documents such as my driver license and prove of address. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.

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 2023-07-10 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: IA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. I submitted my first complaint on XX/XX/2023, secornd complaint on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed ( XXXX Credit card with account XXXX XXXX and XXXX : account XXXX  XXXX ). According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing inaccurate. 
I believe that the information reported is incorrect and does not accurately reflect my credit history. I and requesting that you investigate and correct the errors as per my rights under the Fair Credit Reporting Act ( FCRA ). 
To support my dispute, I have enclosed copies of relevant documents such as my driver license and prove of address. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: MD

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-10 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: TX

Complaint narrative:
in accordance with the fair credit reporting act. The list of account below has violated my privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME AND # XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 SECTION 602 A. States i have a right to privacy.

15 USC section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 b more than seven years. 

In accordance with the FAIR CREDIT REPORTING ACT LAW the XXXX XXXX account needs to be removed 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 non-monetary relief
Consumer complaint received 2023-07-10 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: VA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: CA

Complaint narrative:
I have contacted Experian multiple times dating back to XX/XX/2022 about the identity theft on 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 explanation
Consumer complaint received 2023-07-10 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 have contacted XXXX multiple times dating back to XX/XX/2022 about the identity theft on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
At XXXX on a Sunday my phone rang. It was XXXX from Citibank ERT ( Executive Response Team ) asking to speak with me. Not sure when it was ever OK to contact a customer on a Sunday, but I agreed. She claimed she was calling to relay some information concerning my complaint on how I felt targeted by her company. No matter what she stated it still would change how I felt targeted. The fact remains that I had been randomly audited twice for credit limit adjustment that caused a significant decrease in my credit limit on 2 separate cards. Citibank decision not only caused the decrease in my credit limits, but it was NEVER explained why just that my name was pulled random. Thus, in turn created a hell storm within all three credit bureaus. 
When this first occurred I contacted XXXX and XXXX, both stating that I had NO major changes on their part that would have created any credit decrease ( SEE XXXX dispute # XXXX ). I have over 20 plus creditors and none of which have ever decided to decrease my credit limit during an audit. Again, I expressed that I had no new credit checks, no major purchases, and no new loans so why the random audit and why twice? XXXX had no answer, promising that it wasnt personal. She claimed she understood my complaint but couldnt offer anything to help the situation. She mentioned the credit department uses a formula to determine credit limits. I find that story hard to digest, because I actually received two large pay increases this year. Annual income increased from XXXX to XXXX and my military XXXX increased from $ XXXX to $ XXXX. 
So even if the audit was random, it sure seemed awful funny that both my Citibank cards took a significant decrease ; not once but twice and with 3 months of each occurrence. As well as happening within 10 months of a major dispute and conflict between myself and a Citibank employee over a wrong card shuffle. So, I asked again what could XXXX do or offer me to repair this issue? She claimed nothing. I asked what the CEO XXXX XXXX XXXX could do? XXXX stated nothing and that the decision came from Citibank credit department. Now I wonder why the Citibank credit department didnt call me to correct this issue. Again, XXXX had no answer other than another soft pull on my credit to request a limit increase. No thanks, I am scared they will decrease it a third time. Well, this was a wasted Sunday afternoon phone call. 

Thanks for Nothing,

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 2023-07-10 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: MD

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My secured card number is XXXX this card was closed 3 years back. i mistakenly paid {$3500.00} in XXXX which i am trying to get back. i have called the bank several times but they are not responding and telling me when i will get my money back. 

Wells Fargo is sitting on {$3500.00} for months now. 

Thanks, 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 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
This company is attempting to collect a debt and is using unfair practices according to The Fair Debt Collection Practices Act.According to the FDCPA 15 USC 1692c.d.e.f.I have no contact with this company, no debt or any contract with them for them to assume an alleged debt.This company has no wet signature of mine on any documentation, and can not provide any debt validation.I request debt validation from this company under 15 usc 1692g.Also request accounting information under US code 9-210.This company is using 15 usc 1692e and is threatening as an attorney to collect a debt not owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2023-07-10 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: FL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
This company is inaccurately reporting on my credit report. I have tried to dispute multiple times. They are using interest on this alleged account of mine. I keep requesting information in regard to the contract with my signature stating that the debt is mine and I agreed to pay them. They are also reporting as an open collection account when it is suppose to be closed and no interest accumulation on the alleged debt.

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 2023-07-10 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: FL

Complaint narrative:
This company is inaccurately reporting on my credit report. I have tried to dispute multiple times. They are using interest on this alleged account of mine. I keep requesting information in regard to the contract with my signature stating that the debt is mine and I agreed to pay them. They are also reporting as an open collection account when it is suppose to be closed and no interest accumulation on the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank has frozen and restricted my checking account with an outstanding balance, informing me the account is set to close and I will be receiving a check in the mail. They have not closed my account officially or sent the check, and I was not able to withdraw the funds in person at the branch. US Bank needs to either make my funds available to spend/transfer online or proceed with the account closure and disperse my funds in a check immediately.

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