vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 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: TN

Complaint narrative:
To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX Opened XX/XX/XXXX ( {$710.00} ), XXXX XXXX XXXX Opened XX/XX/XXXX ( {$700.00} ), XXXX XXXX XXXXXXXX XXXX, Opened XX/XX/XXXX ( XXXX ) BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-04-11 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: TN

Complaint narrative:
To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX Opened XX/XX/XXXX ( {$710.00} ), XXXX XXXX XXXX Opened XX/XX/XXXX ( {$700.00} ), XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX ( XXXX ) BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: AR

Complaint narrative:
Experian and XXXX are reporting an inaccurate account. I sent letters out and XXXX was the only bureau to remove the negative account. Experian and XXXX have failed to respond with any proof of this account within 30 days. Please remove the following account from my credit report immediately XXXX 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 2022-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
I have been the victim of identity theft & as per my credit report for multiple {$300.00} pay day loans since XX/XX/XXXX. I just learned about this today after checking my credit report XX/XX/XXXX. I DID NOT take out nor apply for any pay day loans in person or online. I have not used my credit for the past 3 years & that has been intentional on my part, because I had no reason to do so. I have spoken with the original creditor & was informed to complete all steps given to me by the third party collection agency who in turn would investigate this matter futher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TN

Complaint narrative:
I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-04-11 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: IL

Complaint narrative:
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 permission.

15 U.S.C 1692 C

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 2022-04-11 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:
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 permission.

15 U.S.C 1692 C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/XXXX, I logged into my citi bank account and I saw that my account was placed on block. I call XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and was told my account is blocked no explanation given and that I will not have access to any funds until 60 days. I was also informed that my account has been closed and I will receive a paper check within 2 months. Citibank has informed me that there is no additional info that can be given just wait XXXX months to access my monies. This is unprofessional and criminal.

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 2022-04-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2022 I sent a letter to the XXXX XXXX XXXX XXXX XXXX XXXX and asked for a report of what I was being charged for since I was an employee of the company that charged me these amounts and never ever sent me a certified letter letting me know of the charges so I could have taken care of it before the owner had sold the property of XXXX XXXX XXXX XXXX. I did a forwarding address when I moved, they never sent me anything, i found out about it after I was denied for an apartment. I reached out to them, the lady that answered the phone was so disgustingly rude and did not answer any questions, she hung up on me several times. So I sent a letter asking for them to mail me a copy of the charges, I have never once received a document from them. I have been told and seen on the XXXX that they have done this to several others. All I want to know is why and what I have been charged for and why was I charged after the selling of the property, I could have pressed charges on the property XXXX XXXX XXXX for throwing a file at me in front of an entire office staff and residents! She terminated my position while going through XXXX XXXX treatment and left me in no position to pay fee 's that are not for rent, any charges on my account are not due to any rent since I was an employee and paid my rent on time. I need help with this awful company, they will not talk with me or send me what I have asked for.

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 2022-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Financial Recovery Services, Inc.
State: CO

Complaint narrative:
XX/XX/2022 This company called before XXXX XXXX. This is not the first time this has happened. I am committed to reporting unfair collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: GA

Complaint narrative:
These inquiries all fraudulent. Please investigate and remove from my reports immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
I filed with this site late last year. The company came back with a response stating that an itemized statement was attached. It was a blank piece of paper was given with a date of service being XX/XX/16. This blank piece of paper included my current Ohio address and just my date of birth. It has no other information. How is that itemized? How is that verified? The state of South Carolina has a statue of limitations of 3 years to collect on a medical debt. We are now on year XXXX. I do not know XXXX XXXX. I have never heard of XXXX XXXX. XXXX XXXX XXXX no longer exists. It is XXXX XXXX XXXX. I have called them to ask about this date in question. They know nothing of it. I called the billing department, they could not find anything, and nothing that had even been sent to collections, as I said everything after 3 years is discarded. I even went as far as to contact XXXX XXXX XXXX and ask for their billing department and collections department and got the same response. There was nothing. The statute of limitations on debt in South Carolina is three years. Under the South Carolina Tort Claims Act, the state may be held liable for torts, but limitations and exceptions apply. If a notice of claim is filed, the statute of limitations is three years ; if no notice of claim is filed, the statute of limitations is two years. I want this removed from my credit report immediately. I want an itemized list of everything that was done and services rendered sent to me at once, with my proper South Carolina address included on the statement. I also want results of any tests and labs that were done or taken at this visit, along with all vitals and procedures during triage. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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 provided Transunion with a dispute letter via certified mail on XX/XX/XXXX involving inquires and inaccuracies on my credit report. The agency has not taken on my dispute, but instead chooses to send me a letter of additional services that they offer as a company postdated XX/XX/XXXX. They also deny that the inaccuracies are present on my credit report, which is a lie. My credit report was reviewed from annualcreditreport.com for TransUnion on XX/XX/XXXX displaying the inaccuracies ; and reviewed again after receiving their notice on XX/XX/XXXX, showing the same inaccuracies they claim to not exist. The initial dispute letter was sent to the address posted on the XXXX website; TransUnion LLC Consumer Dispute Center, XXXX XXXX XXXX XXXX, PA 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 2022-04-11 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: AR

Complaint narrative:
XXXX and Equifax are reporting an inaccurate account. I sent letters out and XXXX was the only bureau to remove the negative account. XXXX and Equifax have failed to respond with any proof of this account within 30 days. Please remove the following account from my credit report immediately XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Ah unauthorized transaction of {$1000.00} was taken out of my account at an ATM and I dispute it once and they denied my dispute and I have disputed it for a second time but the second dispute is still under investigation the website mentions a provisional credit after the dispute is past 10 business days in the investigation and they are not giving me the provisional credit and it has been 2 months since the unauthorized transaction occurred I just want my money back. It is with American Express serve

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Purchased a {XXXX} that qualified for Lowe 's 84 month fixed interest plan and had a second ticket that same day for {XXXX} that was wrung up at the store for 6 months deferred interest. We originally wanted all items ( both tickets ) on one ticket with the 84 month fixed interest terms. Minimum purchase requirements for the 84 month fixed interest was {XXXX}. The lowes clerk called the credit department for us and told us they added the smaller ticket to the bigger purchase with everything on 84 month fixed interest. Two years later I noticed my minimum payment dramatically increased and that they tacked on {XXXX} in interest charges. I checked my account and the smaller ticket had the 84 month terms ( which the amount didn't even qualify for those terms ) and the larger amount that originally qualified had been change to 2 years deferred interest. I was never told of this change at the Lowe 's here in XXXX XXXX. I went to Lowe 's on Sunday morning XX/XX/XXXX to question the charges and the best the store offered was to pay off the balance ( {XXXX} ) by XX/XX/XXXX to avoid the deferred interest. I then got home and called Lowe 's that morning at XXXX cst and talked to a " XXXX '' who put me on hold and the came back acknowledging the error on Lowe 's part and told me the interest was coming off and that I did not need to make payment. I confirmed repeatedly with her and she said it was fixed. I called the credit company back XX/XX/XXXX to double confirm and the rep I spoke to looked at the notes and confirmed I didn't have to pay ( which I was willing to do ). I was told by XXXX on the XX/XX/XXXX call the interest would be off by next next billing cycle which was " XX/XX/XXXX ''. That date came and the interest was still there. I called the credit company back yet again XX/XX/XXXX and that rep said it should be off by XX/XX/XXXX. That date came and it still wasn't off so I called back yet again on XX/XX/XXXX at XXXX and the rep I spoke to on that day said that " a request to change the promotion terms '' had been put it but it was not a guarantee that the terms would be changed. I asked about the interest and that fourth rep said I was locked in since I missed the XX/XX/XXXX deadline. I asked her why was told not to worry not once but twice by two different Lowe 's credit reps and she didn't have any answers or want to answer that question. My complaints are not just they messed up my account dramatically but they also misrepresented the situation to lock me into an interest charge I originally didn't sign up for. Any help at all on this would be appreciated..

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Bankruptcies that are not mine are being reported when it belongs to someone else I have I have requested many time for a update and validation via certified letters but never been provided anything the inaccurate information is still being reported on Transunion only US BANKRUPTCY XXXX US BANKRUPTCY 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 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Siwell Inc
State: MA

Complaint narrative:
I was contacted by Capital Mortgage Services of Texas, my current mortgage holder, in XXXX of XXXX. I was advised that due to interest rates being low, it would be a good idea to look at a possible refinance. After agreeing in XXXX of XXXX to do a refinance to a 20 year term, I would shave a year of my mortgage off and reduce my current monthly mortgage payment by {XXXX}. We got to work in early XXXX on getting them all the required documentation on our part. They required additional items throughout the month that we provided. We signed disclosure statements on several occasions and didnt hear back from them after XX/XX/XXXX til XX/XX/XXXX. We had assumed during this time they were processing the paperwork for closing, but they needed the same documentation that had already been given to them to ensure nothing had changed financially with our situation, which it hadnt. We got them the needed documents and then they informed us that there is a subordination on our mortgage that needed permission to do the refinance. They said this would take 2 weeks to get approved. So they dragged their feet on processing our paperwork and didnt find out about a subordination until 3 months after we started the process. It is now XXXX and rates have gone up and they were only able to lock us in at the lower interest rate for 60 days from the agreed upon time in XXXX. They informed me that it was due to the need of us getting the additional documents that they requested a second time and the subordination approval. I called and spoke with the account representative, XXXX XXXX, who took no ownership of the situation and passed the blame onto the processor and informed me that he would call me back the same day after speaking to his supervisor about the situation after I explained how I believed this to be deceptive practices on their part with interest rates going back up, being able to make more money. I believe they knowingly dragged their feet on processing the paperwork and finding out about the subordination 3 months after starting the process is highly questionable. I have yet to hear back from them after trying to call XXXX XXXX back and leaving him a voicemail.

Company response to consumer: Closed with explanation