vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I received a letter from " Marcus by Goldman Sachs '' saying that they had run a credit report to determine loan eligibility. I'd never given them permission to do that. It's infuriating that they would do this illegally without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: NY

Complaint narrative:
I am, XXXX XXXX and I Am submitting this complaint against XXXX and Valor Intelligent Processing there is no Third Party involved.Included in the Exhibits you will find my efforts to try to resolve a billing error with XXXX XXXX in which was delivered by certified mail XXXX on XXXX XXXX. XXXX has failed to acknowledge receipt of my billing error dispute stating Valor Intelligent Processing has the account in attempt to collect an alleged debt on an account in which I have reason to believe there exist a computational error and misapplied credits. Additionally as of a recent review of my consumer report on XX/XX/2022 XXXX has furnished negative inaccurate reporting to XXXX, XXXX, and XXXX ( Exhibit Attached ) Pursuant to regulation V this information lacks accuracy and integrity and I demand the furnisher XXXX to delete the account pursuant XXXX XXXX XXXX the account along with my other requests attached in my Exhibit. I did not give my written consent for you to furnish any information to XXXX, XXXX Or XXXX nor did I give my direct written consent to Valor Intelligent Processing to have my information if such a document exists with such permission provide it to me for my inspection.You have caused me injury from your conduct.This complaint shall serve as my second Notice of a billing error dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I asked for debt validation on XX/XX/22 as I've never received anything from this company and on XX/XX/22 received a letter from XXXX fraud department. I just received notification from the credit reporting agency that a new collection was added to my report as now this company is reporting two times with two different dates. I called and ask them to verify and was told by XXXX that I could not request this over the phone and he hung up. They are in volitions of my credit rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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:
I have contacted Transunion multiple times requesting an investigation to verify the unauthorized information and inquiries as I am a victim of fraud from a data breach from XXXX. I asked them to remove these fraudulent inquiries reporting on my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all according to the FCRA sec. 604 regarding Permisable Purpose. The inquiries listed on the attached documents were all unauthorized and are a result of identity theft.

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 2022-04-08 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: FL

Complaint narrative:
This inquiries was obtained unauthorized and reported to the credit bureaus, and it gives me a negative impact on my credit report. Either this inquiries promised to be soft or hard pull still not authorize and have no agreement Whatsover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
The last months rent was paid and the property owner kept the security deposit. The amount owed certainly isn't a rent payment so it must be that the owner seems to think that the cost of repair to the unit was greater than that of the security deposit. If this is the case then I want itemized receipts showing what was done and by whom which were never provided, and the records of my payments to you and the security deposit amount. Only now that it is on my credit am I aware of these charges. This method of business is certainly not one that leaves you in very good standing with your tenants.

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 2022-04-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Number 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 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
I sent a debt validation letter via certified mail that they received on XX/XX/2022. This company has failed to validate my debt. please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. XXXX XXXX XXXX XXXX XXXX COMENITY CAPITIAL BANK/ ZALE is reporting a late payment to my credit report however I made payments during that time frame of the payment arrangement. I had follow all steps of making a valid payment arrangement via the cares act with this company during the con reed periods however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 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: MA

Complaint narrative:
They are sharing my personal information. 

15 U.S.C 1681 section 602 A. States i have the rigth to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-04-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Number 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 2022-04-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Number 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 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Collections Inc
State: OR

Complaint narrative:
XXXX XXXX is attempting to identify commissions earned ( {$560.00} ) during my work as a Financial Representative as debt. I worked for the company in XXXX and a letter regarding the " debt '' was mailed XX/XX/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 2022-04-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Numbers : 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 2022-04-08 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: AL

Complaint narrative:
File Number XXXX received on XX/XX/22 Concerning the " XXXX XXXX XXXX XXXX XXXX loan '' account, You stated it came back " verified ''. That has nothing to do with the dispute where I provided you with the FCRA Laws you have violated. So again, you chose to ignore willfully, this is a criminal act which is another violation. I am making it clear that I am disputing YOU for furnishing this account that goes against federal law. Again, Pursuant to 15 U.S.C 1681a states " report containing information solely as to transactions or experiences between the consumer and the person making the report '' is to be excluded from my consumer report. That has nothing to do with if the account is verified or not, you are still breaking the law by furnishing this account. I demand that address this issue with the LAW and remove this alleged debt from my consumer report.

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 2022-04-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXX and XXXX Bank XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp
State: TX

Complaint narrative:
I do not know what hospital bill this is ... because i paid over {$300.00} already

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Since submitting my original complaint ( XXXX ) regarding the receipt of multiple unsolicited credit cards from Bank of America , I received a bill for the Annual Fee for one of the cards. I tried to call the Bank of America customer service representative who is reportedly assigned to my earlier complaint and was repeatedly sent to voice mail. This issue has gone from an annoyance and concerns about fraudulent use of my information, to an attempt to extort money directly from me. Given the lack of attention to the original claim, I am concerned that Bank of America may be involved in such activity on a wider basis, and would be willing to discuss my case with CFPB investigators.

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 2022-04-08 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help

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 2022-04-08 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX dXXXXd now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I initiated refinance of mortgage with XXXX XXXX ( Loan Officer, PNC Bank ) back in XX/XX/XXXX and submitted all the documents as requested immediately. 
The loan was approved as was confirmed by XXXX verbally and as well as by e mail@ 2.25 % for 15 yrs with Zero points., Please see copy of mail as below : From : XXXX XXXX XXXX XXXX XXXX : XXXX, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : PNC Bank Mortgage - Communication Yes. We can lock at 2.25 %. We do have the ability to float the rate down in rates drop. 

I will have everything done before XX/XX/XXXX. We can close when you return XXXX XXXX Mortgage Loan Officer XXXX XXXX XXXX XXXXXXXX PNC Mortgage, A Division of PNC Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Mail Stop : XXXX We were suppose to close at the end of XX/XX/XXXX but for some reasons we received documents on XX/XX/XXXX. 
Upon receipt of docs we pointed out discrepancy in the agreed terms of lending in the documents which he promised to fix errors asap. 
We received another docs subsequently but with the same errors. He promised to correct and send another docs which was again incorrect. 
Since then he sent incorrect documents several times and has been dragging to send corrected docs and several weeks passed by. I kept calling him everyday and sending him mail frequently. He informed that it is in the process and I will be disclosed shortly. He further added that we are in good shape and he will wrap up everything promptly. 
He then informed me that it is difficult for me to send corrected documents electronically as PNC electronic system is messed up and he will overnite documents and then we can close promptly ( See attached text message ) On XX/XX/XXXX he informed me that we got the pricing correct and we will disclose shortly. He further added that you are in good shape and I have the ability to overnight documents which is better anyway. 
I never received docs which he promised and then I insisted to meet in person. In personal meeting he backed out from honoring his commitment and jeopardizing my refinance. 
I have all the documented proof to prove my above statements. 

Important Point is XXXX XXXX ( Area manager ) & XXXX XXXX ( Territory Sales executive ) informed me that loan was cancelled on XXXX XXXX but Loan officer has been communicating till XXXX end promising to send docs and close promptly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation