vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 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: IL

Complaint narrative:
Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete for inaccuracy and false reporting : The Date of Last Activity is not the same three different dates listed for Experian XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX same with Last Payment Date is not accurate. Experian XX/XX/XXXX and XXXX XX/XX/XXXX. Incorrect date opened is listed XXXX XX/XX/XXXX and ExperianXXXX XX/XX/XXXX XXXX No date closed listed for Experian XXXX XXXX. Inaccurate information listed for High balance XXXX XXXX Experian/XXXX XXXX XXXX I have sent in multiple disputes via usps mail and have requested verification of how the information was verified. I have no received any documentation nor a far investigation within one week of the credit bureaus receiving my dispute the investigation is updated.

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 2022-09-21 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: R & B Corporation of Virginia
State: NC

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. 
XXXX Account # XXXX, has violated my rights. 

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: WA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: WA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: MO

Complaint narrative:
On or around XXXX to XXXX I saw a lot of preapprovals on Credit Karma. At first I paid no attenion but I continued to get notices. I would recieve offers Daily when I would log in and check my credit score. I started feeling I was in the best place to apply. I told my kids and family that we had relieved these preapprovals and we would get out of dept and the personal loans would be helping my business move forward. Sometime in XXXX I applied for two personal loans and 2 credit cards. I recieved tons of letters in the mail. I was told by Credit Karma that I was preappoved for these loans. I was marketed for months on these loans. I was decieved by the Credit Karma. I had no job and the bills were billing up. I developped some severe Anxiety from this. I have developed a really high stress and increase in XXXX XXXXI still have companies offering me preapprovals but after I was decieved by Credit Karma I get XXXX over these incoming emails. I thought they were good for people and helping them out. Now I feel every bank and others are trying to get a finacial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: DC

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account : XXXX XXXX account number : XXXX account XXXX XXXX XXXX XXXX XXXX : account number : 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 then seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: GA

Complaint narrative:
Despite having turned in numerous pieces of information that are contrary to the information on my file, Equifax and XXXX continue to report these errors as facts, and their mistakes are causing me to have business opportunities denied because of their error. A police report was submitted in reference to the fraudulent accounts, but yet they remain. A collection for {$3600.00} was placed on the police report as not mine and they refuse to remove it. Another report with late payment from capital XXXX is not my account as well. It remains on the bureau. Their score rating system is grossly off and has not been updated in months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: LA

Complaint narrative:
I received written correspondence from XXXX XXXXXXXX XXXX in XXXX ( attached ) of an estimate for payments owed after move out repairs were made with a notice that the final account statement was to follow. A final account statement was never received. I was then contacted by phone by Hunter Warfeild collections on XX/XX/XXXX. Upon returning Hunter Warfield 's call I was made aware that XXXX XXXX had hired them to collect on a debt. I requested that a itemized bill by mailed to my current address and provided that address to the representative. No further contact has been made by Hunter Warfield and no bill was recieved by mail. I have attempted contact with XXXX XXXX several times always leaving messages requesting a return call. My credit report as of XX/XX/XXXX shows a collection. I would like to dispute this collection as proper procedures were not followed and I can not verify the legitimacy of the claim. Thank you for your help. 
XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: DC

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account : XXXX XXXX account number : XXXX account XXXX XXXX XXXX XXXX  XXXX : account number : 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 then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have been calling numerous times over the last 4 months trying to get a promotional statement credit of {$100.00} for using my card. I have sent my email with the offer that was sent to me and copies of my statements showing I met the terms of the promotion. I have had my case escalated and given a number # XXXX. I have an email from XXXX XXXX, with no resolution. I was promised phone calls from XXXX XXXX and XXXX with resolutions and they never call. The amount of times I have called them and left messages is mind boggling. This is so ridiculous the customer service from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I contacted the Chex system sent a letter told them it was fraud and someone has my identity they contacted me and said they are keeping it on there

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 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I made an electronic payment to XXXX on XX/XX/2022 in the amount of {$1000.00}, to pay my balance in full, but the payment was never applied. Despite providing proof of electronic transmission, their investigation determined a payment was never received, and they are threatening to report me to collections. The bank has confirmed the payment was made. In addition to the original balance, there are now additional fees ( late fees and interest ) they say I am responsible for. I am unable to get in touch with anyone via phone to resolve this issue, and have only been able to communicate via their messaging portal. I also sent a certified letter over a month ago, and received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21 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: I.C. System, Inc.
State: NC

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. 
XXXX XXXX XXXX XXXX has violated my rights. 

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

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 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Someone opened a Bank of America credit card under my name. 

BANK OF AMERICA, let this happen with barely any information. I still don't know of they didn't do it themselves.

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 2022-09-21 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:
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. 

XXXX XXXXXXXX XXXX XXXXXXXX DATE : XX/XX/XXXX :, XXXX XXXX, XXXX XXXX SERVICES : DATE : XX/XX/XXXX, XXXX  XXXX : DATE ; XX/XX/XXXX, XXXX XXXX : DATE XX/XX/XXXX, XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX : DATE : XX/XX/XXXXXXXX XXXX XXXX  : XXXXXXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX SERVI DATE : XX/XX/XXXX, XXXX XXXX  : DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX : DATE : XXXX XXXX XXXX  XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX : DATE : XX/XX/XXXX has violated my rights. 

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 accurate.

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 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
RS CLARK & ASSOCIATES {$250.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ARE NOT LICENSED TO COLLECT IN MY STATE {$70.00} XXXX XXXX XXXX XXXX HAVE BROKEN ALL HIPPA LAWS WHICH IS A HUGE VIOLATION OF PRIVACY ACT. 
{$84.00}, {$73.00} {$57.00} COLLECTION AGENCY OR ANY OTHER THAT TRIES TO ATTEMPT TO COLLECT THIS UNLAWFUL DEBT. ALL DOCS ATTACHED OF WHAT HAS BEEN SENT TO THESE COLLECTIONS AGENCY 'S. CEASE AND DESIST LETTERS HAVE GONE OUT AND NONE OF THESE AGENCIES ABOVE HAVE AUTHORIZATION TO COLLECT IN MY STATE. PLEASE HAVE THESE REMOVED WITHIN XXXX HOURS THE LATEST. 

15 U.S. Code 1681b - Permissible purposes of consumer reports 18 U.S. Code 242 - Deprivation of rights under color of law. Credit is a right a creditor can not deprive you of that is extortion.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I will be demanding the full balance if this is not removed immediately from my credit report.

15 U.S. Code 1615 - Prohibition on use of Rule of 78s in connection with mortgage refinancings and other consumer loans 47 CFR 1.1950 - Reporting discharged debts to the Internal Revenue Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
this collection has aged out and they are still trying to collect, according to XXXX law there is a XXXX  year expiration on these collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Lost my wallet checking account was closed all my information was changed and hacked just got my email back fraudsters wrote checks in my bank and closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: MT

Complaint narrative:
I settled this debt with XXXXXXXX XXXX XXXX account XXXX. Please remove this from my account as it is not in collections and it was settled. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Company : loandepot Loan # XXXX I had started a home loan application with this company around start of XX/XX/XXXX but nothing happened after that. 

On XXXX I called loandepot customer care to cancel my application which they said yes to do it but nothing happened. 

On XXXX I called loandepot customer care again to cancel my application as I did not see it cancelled to which they said that loan consultant on my case will do it but again it is not cancelled. 

On XXXX called loan consultant but did not pick, email sent and again loan is not cancelled. 

On XXXX I called loandepot customer care to cancel my application as I did not see it cancelled to which they said that loan consultant on my case will do it but again it was not cancelled. 

On XXXX called loan consultant but did not pick, left voicemail, email sent and again loan is not cancelled. 

This loan status showing as application pending is causing my another loan application with another bank to not get approved. The other bank wants this loan application as cancelled before they can approve my loan application with them. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
These companies have continued to harass me even though I have explained and provided proof that Im not responsible for the things theyre placing on my credit report. I have police reports and other documents proving I was living in another state when these things occurred the times they did. The companies arent resolving the issues. Some of the companies have even took it upon themselves to duplicate some of the fraudulent charges to hurt my credit report purposely. I have suffered greatly due to these fraudulent charges. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. XXXX XXXX XXXXXXXX collections- {$550.00} XXXX XXXX $ XXXX duplicated fraudulent charge XXXX XXXX {$560.00} XXXXXXXX XXXX {$610.00} XXXX XXXX {$660.00} XXXX XXXX {$690.00} XXXX corp- XXXX XXXX duplicated fraudulent charge XXXX XXXX {$850.00} XXXX XXXX XXXX- {$870.00} XXXXXXXX XXXX {$960.00} XXXX XXXX {$990.00} XXXXXXXX XXXX- {$1000.00} XXXX XXXX- {$1000.00} XXXX XXXX- {$1000.00} National Credit system- {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: IL

Complaint narrative:
Creditor : XXXX ( XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Delete for inaccuracy and false reporting : The Date of Last Activity is not the same three different dates listed for XXXX XX/XX/XXXX, Equifax XX/XX/XXXX and XXXX XX/XX/XXXX same with Last Payment Date is not accurate. XXXX XX/XX/XXXX and Equifax XX/XX/XXXX. Incorrect date opened is listed XXXX XX/XX/XXXX and XXXX/Equifax XX/XX/XXXX XXXX No date closed listed for XXXX XXXX Equifax. Inaccurate information listed for High balance Equifax XXXX XXXX XXXX XXXX I have sent in multiple disputes via usps mail and have requested verification of how the information was verified. I have no received any documentation nor a far investigation within one week of the credit bureaus receiving my dispute the investigation is updated.

Company response to consumer: Closed with explanation