vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a victim of identity theft and I have submitted numerous disputes to the credit bureaus stating that these account aren't mine. I have had my personal information used without my consent or knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a victim of identity theft and I have submitted numerous disputes to the credit bureaus stating that these account aren't mine. I have had my personal information used without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND I DON'T RECOGNIZE THE INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
THRU CREDIT MONITORING SERVICE OF XXXX I WAS NOTIFIED IN XX/XX/2021 THAT A COLLECTION HAD BEEN PLACE AGAINST ME FROM IC SYSTEMS. THE ORIRGINAL CREDITOR WAS XXXX  XXXX. 
I DISPUTED THE ACCOUNT WIT XXXX. THEY SENT INFORMATION TO CREDITOR TO VERIFY THE INFORMATION, CREDITOR AGAIN CONFIRM IT WAS MY ACCOUNT. I CALLED THE CREDITOR PERSONALLY AND THEY CONFIRMED THEY COULD NOT FIND AN ACCOUNT THAT MATCHED ANY OF THE FOLLOWING ; NAME, DOB, LAST 4 OF SSN, ADDRESS, EMAIL. IN FACT THEY CONFIRMED THE ACCOUNT IN REF WAS FOR SOMEONE WITH SIMILAR NAME, BUT LIVED IN NY. I AM IN MD. THE CREDITOR RECOMMENDED I DISPUTE AGAIN. WHICH I DID. XXXX SAID THE CREDITOR CONFIRMED THE ACCOUNT ONCE AGAIN. I CALLED AGAIN, THEY ONCE AGAIN CONFIRMED IT WAS NOT MINE. SO XXXX IS DISPUTING ONCE AGAIN FOR THE THIRD TIME. THE ACCOUNT # XXXX THE NUMBER FOR IC SYSTEMS IS 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 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
I had a XXXX charge card that was paid in full in 2019. My bank pulled a credit report and they are not showing it as being paid. It is showing up as a " profit & loss '' which is not correct. The XXXX card was through 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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I Supplied Equifax with detailed information and Legal Federal regulations in reguards to the cares act it took them over 30 days and I recieved back the same results I spoke with a lady on XXXX XXXX @ XXXX XXXX confirmation # XXXX and stated they have to remove this imediatly as Allied Collection has not provided anything relevant to proceed with the negative report Equifax is operating against federal reporting guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act accounts XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 a section 2.it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Applied Data Finance, LLC
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX I emailed PHH to pay the second half of Summer Property taxes from my escrow account. 

On XX/XX/XXXX I notified PHH that the annual escrow statement was incorrect. I asked for a refund of the {$2000.00} that was in the account at the time of the " Annual Escrow Statement ( because they had not paid the second half of my Summer Property Tax ). 

On XX/XX/XXXX I responded to the incorrect Escrow Analysis letter and asked again for {$2000.00} that I paid for the second half of my property tax. 

PHH has not refunded my escrow that was available at the annual escrow statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello, I have two hard Inquiries from the same reporting agency. PENFED credit union, the one in XXXX XXXX is the accurate one but I have another one from the same credit union on XX/XX/2022 which I don't recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION, XX/XX/2021 - Unauthorized Credit Inquiry on my credit report ( XXXX XXXX TRANSUNION, XX/XX/2021 - Unauthorized Credit Inquiry on my credit report ( 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 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, I deposited {$26000.00} into my savings account. Bank of America BOA said the funds were available, but overnight they emailed me and said they are putting a hold on the funds. XX/XX/2022 I went to the XXXX California branch and requested they release the hold. 

I then received an email stating that they are releasing the hold. 

On XX/XX/2022 I was going to use the funds and the bank app and a call to their customer service center said the funds are not available. They said they can hold it as long as they want. I checked the bank that I drew the funds from and the funds left my bank on XX/XX/2022. 

I called the XXXX California branch, and the person answering the phone stated to me that I can not access my funds and I am contacting the wrong person. 

I requested a call from the branch manager who was initially helping me and he refused to connect me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this because XXXX and Experian Pursant 15usc 1681b ( a ) did not have my written consent to furnish or report anything outside the permissible purpose and they did not send any required disclosures before they reported some negative accounts XXXX XXXX and XXXX XXXX of {$460.00} to my file. Futhermore, I sent the debt collector ( XXXX XXXX XXXX ) a cease and desist letter certified mail XX/XX/2022 ceasing all communication with me including my consumer report which is considered a medium ; I demanded for deletion for the accounts because them reporting anything is indirect communication. I cc XXXX and Experian in my letters and sent certified mail on XX/XX/2022 to both agencies. They are very well aware of the cease and desist letter because it was received XXXX XXXX and they are continuing to break the law as it is a violation of my rights as a federally protected consumer. XXXX and Experian failure to properly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am writing this because XXXX and XXXX Pursant 15usc 1681XXXX ( a ) did not have my written consent to furnish or report anything outside the permissible purpose and they did not send any required disclosures before they reported some negative accounts XXXX XXXX and Midland Funding of {$460.00} to my file. Futhermore, I sent the debt collector ( Midland Funding LLC ) a cease and desist letter certified mail XX/XX/2022 ceasing all communication with me including my consumer report which is considered a medium ; I demanded for deletion for the accounts because them reporting anything is indirect communication. I cc XXXX and XXXX in my letters and sent certified mail on XX/XX/2022 to both agencies. They are very well aware of the cease and desist letter because it was received XXXX XXXX and they are continuing to break the law as it is a violation of my rights as a federally protected consumer. XXXX and XXXX failure to properly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND I DON'T RECOGNIZE THE INQUIRIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND I DON'T RECOGNIZE THE INQUIRIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EPA USA INC
State: TX

Complaint narrative:
A company by the name with EPA USA has been calling me and my wife daily requesting us to relay a message to someone with the same last name. I have called the office twice and spoke with someone by the name of XXXX XXXX who claimed to be a supervisor and promised that my information would be removed from their call list. About an hour afterwards my wife and myself both received phone calls again. This was the 3rd phone call today from them. The first caller got an attitude and proceeded to explain over the phone who I was and my address as if to tell me she knew who I was and where I lived. After asking her was the debt mine she hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Orion Capital Solutions LLC
State: ND

Complaint narrative:
A number ( spoofed as a XXXXarea number but providing a number to call back as XXXX ) called myself, my brother, my dad, my mom, a previous employer, and my ex-boyfriend seeking location information about me. They did not provide any indication as to what they were calling about, and made vague threats towards taking " action '' if they didn't hear back from me directly. Upon checking my call screening service, I found that they have called multiple times from different spoofed numbers all identified back to their same main number of XXXX. 

Not only is it inappropriate for them to have called multiple times over the past week, but they then went about spamming my contacts- whose numbers were never provided to them ( none of my family, work, or my ex were co-signers on any loan or other such legal documents, in fact the sole instance in which my exes number was ever in existence was on my contacts/texts themselves. His number was never once used in any form except to enter into my contacts and call/text him. ) nor are they on the same service, so they would have had to have been acquired illegally - and refused to provide any information as to what they were calling about. 

It took XXXX  their provided number to find out what they even were - Orion Capital Solutions, a company I've never received contact from, and is not in charge of any of my debt- to write this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
A XXXX XXXX credit card was opened in my name.

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

Complaint narrative:
Ad Astra Recovery Service has been sending me collection notices in the amount of {$400.00}. This collection has been reported as a past due balance. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature in writing agreeing to any debt nor have they provided me with enough information to accurately confirm that the debt is indeed mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Good Afternoon my name is XXXX XXXX. On XX/XX/2021 some one applied for an Amazon synchrony bank credit card. I now have a hard inquiry. I called synchrony bank several times but nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was unknowingly signed up for " Payment Safeguard '' without consent by Citi and have apparently been charged and paid fees since approximately 2012. I became aware of it when using a new recurring bill monitoring tool. This was deceptive practices by Citi and they refuse to refund the money spent for years which amounts to thousands of dollars. I have stopped the service and made multiple requests for reimbursement. They did not ask for consent or ever explain what service was and portrayed it as a required fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: FL

Complaint narrative:
These Hard Inquiries on my XXXX report I do not recognize nor did I give my consent for. Dated XX/XX/XXXX from Flagship Credit Acceptance and XXXX XXXX. I only have knowledge of XXXX XXXX XXXX XXXX. Also their is a Hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX that I do not recognize as I know that I was out of town and not inquiring about an Auto loan on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a Kohls charge card that was paid in full in 2019. My bank pulled a credit report and they are not showing it as being paid. It is showing up as a " profit & loss '' which is not correct. The Kohls card was through Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank has been closing my account with no reason no explanation. The ban informed me that the money left in the account will be mailed to my house it has been over 5 months I have not received my money. 
They keep closing my account one by one and keeping whatever money that is leftover. every time I called I get that the same reply it was being looked on and nothing. Employees keep hanging up the phone. 
I believed Citibank and its employees are discriminating against me, being told I am angry which I have every right to be. 
Citibank is the one committing the fraudulent activity at this point since they keep closing my account and keeping my money.

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