vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have now wirtten Transunion 2 times about items on my report that are not right. The first time being back in the beginning of XXXX. I have not gotten a response to my requests and it has been well over 30 days. This has stressed me out I " trying to buy a car and did what I was supposed to do.

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 2022-03-23 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: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act .... 
The US District Court Case # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX  Account # XXXX Has violated my rights.

15 U.S.C. 1681 Section 602A States : I have the right to privacy.

15 U.S.C. 1681 Section 604a Section 2 States : 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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Fraudulent charges of {$10000.00} over a period of 4 days with no communication from Citbank. 

Called to dispute charges, they have credited the majority of the amount but still trying to get them to credit the interest charge of {$120.00}. 

Have been trying to get this resolved the last couple of months get transferred between customer service, fraud dept, security dept and now collections dept who tells me they can only collect the amount and get kicked back to the other departments with no solution in sight. I have spent hours on this as I want to close this acoount also. 

I am hoping you can help me with this issue.

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 2022-03-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have written letters to Equifax now twice about things I saw on my report that were not right. Now I'm frustrated and stressed and read through some stuff online that they were supposed to get back to me in 30 days or take the items off. I need this stuff taken off now as it has caused me alot of stress and I'm trying to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I originally disputed this account on XXXX and for lack of evidence that i had broken the lease, Upon conclusion of the dispute, i was informed by the debt collector that they had provided " proof '' this is inaccurate. All I have seen is picture of an outdoor cat that wandered the parking lot and a picture of items that are claimed to be XXXX XXXX, but are in fact legally purchased at local stores for legal usage that the landlord used to try to frame me. This is not proof of anything? Unless there is some new proof I have not seen. in which case could that please be communicated to 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
Consumer complaint received 2022-03-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have written letters to Experian now twice about things I saw on my report that were not right. Now I'm frustrated and stressed and read through some stuff online that they were supposed to get back to me in 30 days or take the items off. I need this stuff taken off now as it has caused me alot of stress and I'm trying to buy a house.

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 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I do not recognize the following hard inquiries. I did not authorize any of it. I attempted a few times to remove it with the credit bureaus but they wanted me to file for an official legal document. 

1 - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Inquiry date : XX/XX/ 2021 2 - XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Inquiry date : XXXX XXXX, 2021

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 2022-03-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX//2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-23 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: NY

Complaint narrative:
This is my second time complaining about inquiries that are falsely reporting on my credit report. These inquiries were added without my knowledge and are totally 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 2022-03-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I spoke with experian and XXXX today which is XX/XX/XXXX about some negative inquiries that are reporting on my credit report and they did nothing to help but give me a hard time. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, experian : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX 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 2022-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Healthcare Financial Services, LLC
State: PA

Complaint narrative:
I need you guys to not take the XXXX out of my account and that I better not have any charges from u guys bc I didn't realize that I used to use you for another company n I don't like ur service so please don't take no money off my card n what ever u took from me needs to be back on my card thank you

Company response to consumer: Untimely response
Consumer complaint received 2022-03-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a certified letter to TransUnion on XX/XX//2022 concerning my score change and, the disappearance of my credit history, although all transactions was done with the same financial institution, I have not heard from them as of yet.

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 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I received a forbearance that started on XXXX. My payments went from {$1100.00} to XXXX during the six month period which has not ended but does end XXXX. Suddenly my escrow account is at $ XXXX, I owe {$1200.00} for the month of XXXX, {$1200.00} for the month of XXXX and will owe XXXX for the month of XXXX, event hough I have consistently paid more than {$390.00} every month except one since my forbearance started, often paying more than {$1200.00}. I don't understand why my payments are {$1200.00} during my forbearance where my payments should be {$390.00}. I don't know why my taxes haven't been paid. And I don't understand why I have a lumps payment of over {$3000.00} due. I talked with a representative with SPS servicing and HOPE and am still very confused I feel like SPS servicing is committing fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act .... 
The US District Court Case # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX Has violated my rights.

15 U.S.C. 1681 Section 602A States : I have the right to privacy.

15 U.S.C. 1681 Section 604a Section 2 States : 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 non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had fraudulent charges coming from " XXXX XXXX '' being taken from my account for months. I noticed last XXXX. I called XXXX and they stated that it was not them. I was using my credit card to pay for my XXXXXXXX XXXX account, not debit - as stated, I called them and inquired, they assured me that it was not them charging mea and it was fraud attempting to cover up their charges as XXXX. I filed a claim with my bank ( Bank of America ) and they just denied my claim and said they were going to take the {$130.00} back out of my 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 monetary relief
Consumer complaint received 2022-03-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX 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 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 2022-03-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to get the credit bureaus to assist me with information that has been reported on my credit report that is not mine. I have sent letters to all XXXX credit bureaus, Transunion, XXXX, and XXXX. I submitted my letters to them on XX/XX/2022. I got one letter that stated that they know that my credit is important however they did not remove the fraudulent information. I sent another letter out on XX/XX/2022. I did not receive any feedback or response. I have attached the letters and to provide the dates, amounts, and the my actions taken.

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 2022-03-23 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: GA

Complaint narrative:
TransUnion failed to conduct a reasonable investigation into my account. ( Second Dispute letter mailed on XXXX XXXX XXXX XXXX : XXXX. ) In accordance

with the Fair Credit Report Act everything should be 100 percent accurate on my credit report with all three bureaus. The credit bureaus have responded to my disputes stating that my accounts have been properly investigated and verified when they have not been investigated or verified at all. They could not have been properly verified or investigated due to, incorrect opening dates reported, date last reported inaccuracies, dates last
active inaccuracies, as

well as last payment dates that are completely frivolous, and the reporting of the same account multiple times. Also, in violation of section 623 of the FCRA, not all of the accounts that I have disputed, notate " consumer disputes account ''. This is grounds for removal, and my rights have been violated.

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 2022-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I've been a victim of predatory lending by this company. I was under the impression that I was signing up for a loan with a fixed installment payments but much to my XXXX  I have discovered that I'm an endless debt trap. No matter how much I pay my loan balance is not decreasing which is causing me great financial harm and distress. The sold this loan as a line of credit but failed to tell me that would never pay this loan off by making the payments. I feel that this was an act of deception and I want out of this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
DEBT DOESNT BELONG TO ME. IDENTITTY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avadyne Health Holdings, Inc
State: GA

Complaint narrative:
I had a medical procedure done in XXXX. I payed a co-pay of roughly {$300.00} at the time and was initially advised that I would only owe the remainder of my deductible ; which was {$900.00} additional. After the procedure my insurance company sends a bill saying that I owed around {$2500.00}. I called the hospital billing department and the insurance company to verify and after a few back and forths the Hospital 's billing department advised that I would actually owe nothing and to disregard the bill. 

Fast Forward to XX/XX/XXXX I receive a notification from XXXX XXXX  of a derogatory mark on my credit report. ( At this time my score is around XXXX as I have been managing my bills and credit very well. ) My credit immediately drops down 20 or so points before coming back up within a month. I file a dispute as I'm unsure why this bill from the hospital is on my report as I had not received a notice from the collection agency. I reach out to the credit agency and they advise me that they sent a notice in XXXX of XXXX and attempted to reach me via my mobile number but I never received any communications from them. I asked them to provide proof that they had attempted to contact me but they never provided it. ( See Recording XXXX ) This derogatory mark caused me to be denied for a home equity loan as I had put in my application in XXXX right after the credit report was updated. I have since paid the debt. I feel as though this company use a predatory tactic in order to force me to pay a debt that I was never even aware of owing. Instead of using standard procedures and contacting me with a notice they chose to wait the required time, then file my dept with the credit reporting agency. 

This tactic has caused a severe hardship for me and my family as I was not able to gain access to my home equity. We planned to purchase a rental property and fix up our basement to allow us to rent out the space to guest ; ultimately helping us combat the economic downturn and build additional wealth for our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I spoke with XXXX and equifax today which is XX/XX/XXXX about some negative inquiries that are reporting on my credit report and they did nothing to help but give me a hard time. 

equifax : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TX

Complaint narrative:
I have a problem with transunion. They are reporting someone else 's debt under my name. The are using a different social security number and birthday different than mine. I have called transunion on the phone for hours, I have mailed them proof with my passport, utility bill and other supporting documents. They do not want to help me, they sent me a letter saying that I'm working with a credit repair agency and they need to notify themselves first, this is a lie, I am trying to fix my own report, I do not have anyone helping me. I beleive they are just stalling because for some reason they want to keep posting the other person 's collections under my name.

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 2022-03-23 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I do not recognize the following hard inquiries. I did not authorize any of it. I attempted a few times to remove it with the credit bureaus but they wanted me to file for an official legal document. 

1 - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Inquiry date : XX/XX/2021 2 - XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Inquiry date : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
I have asked to verify this account with my signature ( no electronic signature ) and a copy of my identification and the account that the money was deposited into.They can not provide the requested information

Company response to consumer: Closed with explanation