vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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: IL

Complaint narrative:
There are 10 unauthorized inquiries on my XXXX, XXXX and Experian credit reports that I have requested to be removed. 

1. XXXX XXXX 2. XXXX XXXX 3, XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX 5 . XXXX XXXX XXXX 6. XXXX XXXXXXXX XXXX 7. XXXXXXXX XXXX XXXX XXXX XXXX 8. 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 2022-02-15 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: NJ

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
Hello I keep getting bills from a XXXX I had back in XX/XX/2021. Everything has been already paid yet I keep getting bills sent to me and now you guys are contacting me. Once again everything has been paid months ago. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: NJ

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I contacted Select Portfolio Servicing regarding forced insurance and balloon payment that was placed on the back of my loan. I requested documents regarding the original modification. I requested information regarding for the forced place insurance and was never informed by letter regarding the forced place insurance being placed on my loan. I requested the letter regarding the forced place insurance and have yet to receive that information. I was advised that they would have to research to locate documents. I made the attempt to refinance property to make major repairs to the dwelling however I was denied due to the appraisal value of the home being XXXX which is lower than what my payoff amount of XXXX not including an undisclosed balloon payment amount that I have yet to get information on. My current interest rate is over 6 %. On XX/XX/XXXX, We have attempted to sell our home and requested a reduction in payoff for XXXX. I was advised on XX/XX/XXXX that the request for reduction was denied due to the mortgage not being 90 days past due. We have received multiple offers for XXXX for the property. I feel that is unfair and unjust that I have made my payments on time with my failing health and my age, I feel that my lender is taking advantage of me and my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am submitting a complaint against XXXX in regards to my old private students loans I used to have through XXXX from XXXX XXXX. My students loans are currently own by XXXX. They were transferred to FedLOans in XXXX. I am submitting this complaint because XXXX never provided me with information about other types of loan repayment/forgiveness such as the Income Driven Plans or the Public Loan Forgiveness . Instead, the only option I was given by XXXX was to put my loans in deferment. Currently there is a lawsuit against XXXX for using predatory strategies regarding loan repayment. Millions of students, including myself, were not provided with other plans for loan repayment. I worked for 6 years for a non profit organization, yet because my loans were on deferment, I never received credit for my 6 years of work as a public health research analyst. I have contacted XXXX about this two times already. I was told that because my loans are now own by XXXX, they can not provide me any information on this since I am not part of XXXX. I called XXXX, but I was told to call XXXX. I contacted the US Department of Education about this and I was told to submit a claim through here. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have supplied an Affidavit to Experian and have not received a proper response. I requested Validation Pursuant to 15 USC 1692g. I have not authorized nor benefited from listed account. Block and Remove.

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 2022-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had an account with Comenity BankXXXX XXXX This account was sold to the collections agency XXXX XXXX in XXXX. Both XXXX  XXXX and Comenity Bank were reporting derogatory statuses on my credit report which led to an negative impact on my financial abilities. I contacted Comenity XX/XX/XXXX to make a payment but was told the account was sold to XXXX XXXX. I contacted XXXX XXXX  and paid the account XX/XX/XXXX and their reporting was removed from my credit report entirely. I was told the trade account would be removed also. Comenity Bank has continued to report the account monthly as a charge off. Since the account was sold it should have been removed completely. I have filed numerous disputes with the company and called without success. I need the issue resolved so that I may re-finance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TX

Complaint narrative:
I submitted a claim on XX/XX/2021 to Bank of America on purchases that were unauthorized purchases made on my debit card. Bank of America has come back to me and said the it's resolved but the claim is not paid. I don't understand why it wouldn't be paid back to me when I didn't make these charges.

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 2022-02-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I was made aware in XXXX of XXXX when I attempted to open a regular credit card with USAA Savings Bank, that I had already had an open credit card with USAA Savings Bank with a {$15000.00} limit and a balance of {$11000.00}. I immediately let USAA Savings Bank know I did not open or authorize this account and that it was opened fraudulently. After further investigation, I discovered USAA Savings Bank used my SSN to open an account for my father and put me as joint responsible party. It was my understanding USAA was to take the credit card out of my name and report to credit bureaus. I gave my father and USAA a grace period to resolve this matter. This action was not taken by either USAA Savings Bank or XXXX XXXX XXXX XXXX. I found out the card was still open in my name taking my available credit away from me for my use and given to my father, I found out on XX/XX/XXXX when I attempted to refinance my home, and I was denied, I asked my refinance mortgage lender to pull a hard copy of my report so I can see what is on my report holding me back, and its the still opened credit line extended fraudulently to my father under my SSN in the amount of {$15000.00} that reflects on my debt to income ratio disqualifying me for refinance. I escalated this matter to USAA Member security and had a case opened, I requested communication from USAA Savings Bank Fraud department several times, on XX/XX/XXXX no response, on XX/XX/XXXX no response and on XX/XX/XXXX. I filed a police report against my father and USAA Savings Bank with the City of XXXX Police Department Incident number XXXX. USAA Member Security Employee XXXX XXXX XXXX recommended I file a complaint on this system. I spoke with an employee with CFPB on XX/XX/XXXX his name was XXXX he referred me to the Federal Trade Commission, he provided me with their phone number he recommended I file a report with them, but if I still wish to, I can file a report with CFPB which I am. My supporting documents will be from XXXX when I first discovered the fraud and a current hard credit report showing the open account with USAA Savings Bank account number XXXX XXXX XXXX XXXX still on my report as open, and consuming my available credit. USAA assures their customers that their identities are safe with them, we trust them, then USAA Fraudulently opens an account with out permission and use a SSN with out authorization to fund fraud, and is not working timely or affectively to resolve this matter with all 3 credit bureaus, I have given them opportunity to do so and was taken advantage of. 

Sincerely, XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
I had XXXX on and off since XXXX to present between XXXX and XXXX  XXXX all personal accounts only. I am a victim of identity theft, and fraud since my information was stolen in the VA in XXXX, XXXX and XXXX since XXXX, and my professional business license in Washington XXXX since XXXX. I reported XXXX before, and fought off their past 3rd party collection agencies, and all debt was deleted. This year alone I did block all my credit reports from freezes and fraud alerts. 

Attempts to collect debt not owed ( debt was paid, discharged in bankruptcy, result of identity theft, was owed by a deceased family member ) Currently this year alone especially during XXXX history month another 3rd party predatory creditor ruined my credit report in both XXXX and XXXX as I lost between 57 to 61 points. I told the creditor to leave me alone, and they did not as I was forceful. XXXX is trying to collect on debt I do not owe as it is a false claim, especially given the money and debt I paid to them already. I moved between states in XXXX I returned the equipment, and that was confirmed when I talked to XXXX special billing department. 

After explaining my situational story, which is upsetting after they admit from coming at me before, and the debt was dropped because I turned in the equipment years ago. Then they said we can wave the XXXX debt, but you owe us XXXX plus dollars, and I said no freaking way. This guy said well we have a bounced check with your name on it with a NSF amount, and I said that is bull cause I never wrote that check. During that time I was in the process of moving, and I am certain my information was hacked by nearby thieves who was making alleged claims pretending to be me. This debt was deleted of my credit reports a few years ago. 

i am a XXXX  XXXX  veteran with limited income on XXXX who business went under who is a single father who is struggling still while raising a son, and service dog. I want all this debt deleted from my XXXX, and XXXX as in pronto as I keep disputing this outrageous debt, that I do not owe. XXXX did call me back, and the haung up nor did they give me the electronic pdf so I can itemized the so called bill, and file it in a police report because I use to be a federal police officer too. I also do not want comcast harassing me by using 3rd party lenders as this has impacted my ability to buy my first home where my credit report was close to a XXXX  plus score as it has been over 5 years rebuilding my credit reports. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX  your supposed to identify this in report as a medical debt which i dont see anywhere so you have to remove according to fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: LA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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