vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
Central Portfolio Services.. I called to ask for proof of the debt, and to give them a statement on what exactly happened with the Landlord. The first representative I spoke to at CPC began screaming at me on the phone, saying you owe this .. you owe this. He refused to connect me to another representative. I called back and spoke to someone else, who was obviously sitting next to the gentleman I spoke to the first time. He stated I was trying to intimidate him .. and that it sounds like this is a very expensive mistake you made. Sounds like a life lesson for you. So your 1. ) going to judge my life decisions and refuse to help or take a statement on how the debt is not owed. And 2. ) treat me less than human and yell at me as Im trying to explain my situation to you? 


The information on the debt isnt even the company that owns the apartment complex I was in. I signed a lease with XXXX XXXX, and XXXX XXXX purchased the complex during my stay there ( and you would assume that they would have also purchased the leasing agreements and any outstanding debt ). The second gentleman stated I dont see how it matters that the company name is different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am in the process of trying to get a personal loan. I was informed by my lender that they were unable to verify with Transunion specifically and I would need to call into get the problem resolved. I went onto Transunion site to set up an account, it told me I need to call in. I called in and was told we can not help you today try again within 24 hours. I questioned the reason for not being able to help me. They said I reached my max for today. I said how is that possible when I only try to set up for an account which told me to call in and the lender company gave me notice two days ago. There is no reason I should be maxed out for getting verified over the phone or being able to know what I need to do to get verified if I need to submit documentation. The customer service person would not give me what the max number is for verification and I stated you are telling me one alert is the max for each day. I even asked for a manager which I was denied access to a manager to discuss the issue. This is poor practice and service. I had to give my social security number twice, once through the Automated system and then with the dispatcher. That makes me uncomfortable. 4 years back Transunion reported me as deceased and I had to do a lot to prove I am a valid live person. So my confidence in Transunion is minimal at XXXX. Unfortunately other lenders and businesses rely on Transunion as being able to provide credit reporting. How can I use a system that denies each time I try to get verified as a consumer? Practices are poor at best.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
In XXXX of XXXX I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I supplied proof and they will not remove a 30 day late status for that date in spite of a PERFECT credit score for decades with them and other creditors. I have asked twice for an investigation with no results. This is slotted to remain on my account until XXXX. This is unacceptable. It is obscene that I should be punished for such an occurrence, particularly when my account was previously impeccable and has been ever since!

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of 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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of 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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is allowing accounts on my report that do not belong to me. My student loan account only shows ( 5 ) five accounts. Equifax has been reporting ( 6 ) accounts for over 6 years now. I have provided a scan of the account information to support my claim. Equifax is allowing ( 37 ) thirty-seven inaccurate payments to reflect to the account 's payment history. These payments were paused during the covid lockdown and Equifax knows this, yet Equifax has decided to ignore a federal mandate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX I deposited anywhere from XXXX ( I counted it before I left but not right at the atm ), the atm said unable to read bills ate my money and only spit out two bills ( a {$100.00} bill and a {$20.00} bill ) and said would you like to do another transaction. I said yes and redeposited the XXXX thinking the whole amount will reflect on my receipt. It was not only the {$120.00} was. I am on camera putting in a stack of cash and only getting two bills back, also on camera saying hello is anyone here the atm are my money then I sit in the atm room for an hour on hold with the claims department. They keep denying my claim and are refusing to look at the atm footage. The supervisor today of the claims department refused to give me his last name but his name is XXXX and he is the supervisor at the Citizens Bank contact center in Pennsylvania. The actual bank which is on XXXX XXXX XXXX ny. They said they can not review the footage but the claims department can. I asked XXXX of the claims department to do that and hes refusing. Im not sure where else to go so I decided to escalate it to here because he refused to give me the corporate office number or let me speak to his superior. Citizens bank has taken atleast XXXX dollars from me. Ive reached out to them maybe 20 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Invalid credit report item was realized, disputed, and was updated as valid by XXXX XXXX and the alleged lender. We have not entered into contract for any amount with it or the original alleged Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX {$6900.00} XXXX {$4700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX {$520.00} XXXX  {$0.00} XXXX  {$0.00} XXXX XXXX {$15000.00} XXXX XXXX {$14000.00} XXXX XXXX {$10000.00} XXXX XXXX  {$840.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX {$6900.00} XXXX {$4700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$520.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX {$14000.00} XXXX XXXX {$10000.00} XXXX XXXX {$840.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am requesting that it will be removed from my credit report 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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. 

Pursuant to 15 USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681. 

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within 5 business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed.

Pursuant to 15 USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681. 

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within 5 business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.

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 2023-11-03 00:00:00
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 a 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 2023-11-03 00:00:00
Product: Credit reporting 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: 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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 a 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 2023-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
My Mortgage company has been Freedom Mortgage for a few years, ive had so many issues with my Escrow payments and adjustments. I have to call in daily just to check and make sure the balances are correct. This year Of XXXX XXXX XXXX XXXX I sent extra every month to my Escrow to make sure i had enough to pay taxes. 
I sent between XXXX XXXX XXXX  extra. With the {$120.00} from mortgage Escrow The total came out to be {$1900.00}. Freedom Mortgage kept {$900.00} of it and sent back {$1000.00}, Freedom sent me a paper in the mail XX/XX/XXXX that stated my mortgage went up from {$730.00} to {$740.00} to current statement amount of {$770.00}. The reason it went up Freedom Mortgage said i didn't have enough in my Escrow. XXXX Chief Deputy Commissioner of the Revenue said she sent Freedom Mortgage the tax paper XX/XX/XXXX for this year of XXXX stating i was exempt i qualify for XXXX based on city ordinance XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then refaxed my taxes papers on XXXX through XXXX, Freedom mortgage kept giving me the run around said i had to wait 1-3 days until they received and they never contacted me. I later called back up to Freedom Mortgage talked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every time i call back they give me anew person and when i present the recent ID number they say that person doesn't exists. They owe me {$400.00} and have not resolved the issue no matter how many times i call up there, they are rude Freedom mortgage gives me the run around all the time and i just want them to make my balance right and i feel that im being scammed out money from catching them this time my payments are wrong, there sending me my Escrow back and then trying to raise my mortgage when they had the money. XXXX from Freedom Mortgage told me if i send them more money they would just send it back to me and persisted on arguing with me. Im a XXXX XXXX XXXX women and im tired of them scamming me, they have been doing this for awhile and this time around im keeping my receipts and staying on top of them because i sent extra in my escrow because i want to keep my taxes down they have not been doing right by me.

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