vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX XXXX Is For What You Are Disputing ), 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 2023-06-15 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: LA

Complaint narrative:
Tried to work the company on numerous occasions to get this situation rectified and asked for a supervisor callback but that has never happened. I want these accounts and public record removed from my file immediately. I have attached XXXX  documents

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 2023-06-15 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: AZ

Complaint narrative:
I have names that don't belong to me and 1 account that is not mine and previous addresses that are not mine I have previously tried to dispute this and I got no respomse and I have the right to re dispute this and not have this rejected by the Credit bueraus and the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I was affected by XXXX and I failed to make some scheduled payments.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX has limited my abilities to reside in a desired neighborhood due to incorrect information and a much lower credit score provided to a potential landlord from my recent rental application. 

XXXX XXXX XXXX Report  involving my rental application included the following : -incorrect account balances for XXXX XXXX and XXXX XXXX accounts -inaccurate lower credit score based on false contributing factors 1 through 4 ; my student loan account balances should be XXXX due to my Income Based Repayment ( IDR ) Plan ; My current balances with XXXX XXXX and XXXX XXXX are XXXX ; The date that I opened my oldest account is not recent as it was XX/XX/2002. My installment loans include student and personal loans, of which all current balances should be XXXX. 
-my date of birth is negatively flagged because Experian is listed only as my year of birth

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 2023-06-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 USC 1681 B Title Definitions. 

I missed two payments on my XXXX Credit Card Account Number : XXXX on XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 

However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payments have been removed from my credit report. 


Sincerely XXXX 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 explanation
Consumer complaint received 2023-06-15 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: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-15 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: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-15 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: IL

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked Experian to investigate and remove an inquiry from XXXX XXXX. I have never delt with these people In accordance with the Fair Credit Reporting Act. 

The inclusion of this on my report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-06-15 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: IL

Complaint narrative:
The credit reporting agency is reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, which is false. I have attached a letter from the US Bankruptcy Court of XXXX XXXX XXXX XXXX  verifying and stating that they do not furnish information over to the credit reporting agencies nor do they verify or validate any information concerning bankruptcy. This is falsely stating this information on my credit report and have yet to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The best service company has inaccurately reported on my credit profile that I owe {$420.00} On an account that I do not own. 
Date XX/XX/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 2023-06-15 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:
There is an inquiry on my Equifax report which do not belong to me. 
This is my 2nd attempt to have this removed. 

I demand the following fraudulent Inquiries be deleted from my Equifax credit report immediately. 

Please remove the following unauthorized hard inquiries from my credit report : XXXX/XXXX  - XX/XX/2021 I contacted the Federal Trade Commission and filed a FTC complaint which is attached. 
I have also attached proof of identity and address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: NJ

Complaint narrative:
THERE ARE THREE COLLECTIONS ON MY CREDIT REPORT XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX  XXXX {$610.00}

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 non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XXXX XXXX, I have another concern that can be added to the pending questions and research. I discovered on the Recovery Modification section, Additions to Principal Balance shows a debt balance of {$13000.00} ; however, the most recent mortgage statement dated XX/XX/2023 shows an escrow credit of - {$13000.00}. Why was this amount added as a balance due instead of a credit? It contradicts the Recovery Modification as it shows this amount as owed, but on the statement, it is a credit. Why was the escrow amount added as a balance due to the unpaid principal balance of {$150000.00}, causing the New Modified Unpaid Principal Balance to increase to {$170000.00}?

Existing Unpaid Principal Balance {$150000.00} Additions to Principal Balance Unpaid Accrued {$7200.00} Mortgagee Advanced for Escrow Items {$13000.00} Subtractions to Reduce Principal Balance : New Modified unpaid principal balance {$170000.00} Is the amount in question showing as a debit, the money I owe, or credit money owed to me? The Recover Modification shows this amount as owed, and the mortgage statement shows a credit. I will also add this concern along with the backup to CFPB for compliance purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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:
HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-15 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: TX

Complaint narrative:
There was a misfiling with a XXXX 2023 report of my student loan account with XXXX XXXX University. I have already filed against them for never notifying me of when initial payments began and it was removed from my report but Experian put the 30 days due report back on for no reason! Needless to say I am extremely agitated as that account has always been current to my knowledge and I want it removed from my report just like how it was from XXXX 2023 to XXXX XXXX  2023

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 2023-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Cash LLC
State: TX

Complaint narrative:
I provided Direct Cash LLC on XXXX XXXX the Notice oXXXX XXXX XXXX Bankruptcy notice regarding my Direct Cash LLC Loan account number XXXX for the Loan amount of {$710.00} from the XXXXr XXXX notice of Bankruptcy notice and legal Representation letter and asked them to provived notice of Loan document letter regarding the Loan Debt to sumit to my XXXX  XXXX Bankruptcy attorneys at the XXXX Law Firm and they is failing to provide notice of the collection debt account from the pdf attachment below and has it listed and Debt collection amount instead of in XXXX  XXXX Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ZIONS BANCORPORATION

Complaint narrative:
In XXXX a joint account between myself, my mother and sister was opened with NSB. Without our consent or knowledge they allowed us to be removed from the account and close the account. This was done without our mother having the mental capacity to understand what was happening. She was unaware that removing us meant we no longer had access or rights to the account ( s ) in question. She does not have any memory of doing this. 
Furthermore when we approached the bank in late XXXX with a valid POA to administer and manage our mothers accounts they rejected it with no reason nor explication. 
I would like to reiterate that my mother at the time this account was closed was not of sound mind nor did she have any understanding of what was happening or why it was happening. She has no recollection of making these changes and removing us from these accounts and closing them.

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 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I injured my knee. I sought medical attention right away and was informed that I fully XXXX  my XXXX, partially XXXX  my XXXX, had XXXX XXXX XXXX  XXXX, and XXXX both my XXXX. Once I had a XXXX  date set up I called Citizens Bank, with whom I have 2 credit cards with, that I was told after XXXX  I would not be cleared to for about 8-10 weeks. They told me I had two options. First being do nothing and pay my weekly minimum, or they can put me in what they call an hardship program. I asked if there were any other options, they told me there was not. So seeing no truly helpful options, I picked the hardship program because it would at least lower my interest rate and minimum payment ; both were lowered slightly and actually made both accounts inactive, so I still owed but couldnt use the cards even though I still would have to pay interests. They also told me I should try to work from home or borrow money. 

In XX/XX/XXXX I received 1 phone call from them asking why I made a partial payment and not the full, I explained that because I didnt have the full amount. They said they can take the full payment now, I told them I dont have it. They offered to arrange to make the payment, I told them that when I have the money to make the payment I will. They told me that not paying will cause my interest rates to go up, that I will owe a late fee, and my credit score will be effectives. I informed them that that doesnt sound like the program I signed up for. They doubled down, as did I. They eventually said I was correct. The difference owes was about {$40.00}. 

On XX/XX/XXXX, I made a payment on one of the cards. I did not make a payment on the other. They called me from the phone number ( XXXX ) XXXX at XXXX and received the voicemail at XXXX and left a voicemail asking me to call back or to call ( XXXX ) XXXX. They also sent me any email about it as well after that same day at XXXX. 

Then today ( XX/XX/XXXX ) they called me twice, leaving a voicemail after the second call. Both calls came from ( XXXX ) XXXX. The times they called were XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX XXXX sent a fraudulent unpaid debt to collections for a XXXXXXXX XXXX XXXX that occurred on XX/XX/XXXX. This was a test that was marketed to the public as " free '' with insurance which I held at the time and provided. 

As of today, I've had a medical billing agency ( XXXX XXXX XXXX  ) contact me, then XXXX XXXX ( another debt collections agency ), and now Capital Accounts LLC all call several times and send me mail on many occasions regarding this fraudulent charge. XXXX has stopped calls. XXXX XXXX XXXX sold the debt to Capital Accounts LLC. Capital Accounts is fraudulent claiming that they did not buy the debt and is collecting on behalf of XXXX XXXX confirmed they sold the debt. XXXX confirmed they have a XXXX balance ( likely because of the original sale of the debt ). This was a XXXX test that nearly everyone in this nation received at one point or another over the last several years. The CARES Act or the No Surprises Act should be offering some protection here in my opinion. As a note : the medical billing agency that originally called me over a year ago led me to believe that this was an act of balance billing they were inquiring about which is why I mention the No Surprises Act. 

XXXX claims the debt is a XXXX balance on their end. From what I can tell on the itemized bill, no attempt to bill the insurance was made until XX/XX/XXXX - 2 years later. This is way beyond the reasonable time an insurance company would typically allow and by the time they billed I was using a different health insurance provider and there runout period had ended. Instead of Insurance denying the claim due to unreasonable billing time, they denied it stating I no longer held a policy since my company provided health insurance changed in XXXX. They are unwilling to assist in resolving the debt with any collector. Every time I ask for an itemized bill from the collection agency- they send it to me in order to abide by the laws set out but it shows a XXXX balance because they have already sold it to a new debt collection agency to allow it to become their problem. 

My belief is they are selling the debt because they know any litigation surrounding a collection of {$800.00} for a XXXX XXXX XXXX XXXX, that they did no due diligence in investigating the proper charge, is something they want no part in. PLEASE HELP I really don't want to get involved with a lawyer but this is becoming a major inconvenience as I use my phone for business. 

The ethical bounds of harassing people for {$800.00} for a COVID TEST is absolutely insane. While I'm not sure if this meets the criteria of harassment there has to be some detail I've provided somewhere that can get these people to stop. I can't imagine how many other people in Louisiana, XXXX may have done this to and they paid it because they were scared.

Company response to consumer: Closed with explanation