vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: NV

Complaint narrative:
Cease and Desist wrongdoing conduct, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Notice of Dispute To whom it may concern I am demanding verification of this alleged debt obligation, I have know knowledge of the said accounts. I believe this account is fraudulent. I believe the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in consumer that a person other than the Creditor such consumer is participating in the collection of or in an attempt to collect a debt such consumer owes such creditor, when in fact such person is not so participating. The term Creditor according to 15 1692a ( 4 ) means any person who created the debt I believe my signature on the credit transaction created the debt therefore makes me the original creditor. If XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX believes I am in error I demand verification under penalty of perjury that I am not the original creditor. Lastly XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; andI demand an affidavit signed under penalty of perjury verifying the name and address of the original creditor the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX have a logo affixed to it and that is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: FL

Complaint narrative:
did not authorize or do any of these hard inquiries on my reports : 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 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
I have repeatedly told this company to stop calling and today XX/XX/30 they called I asked them again to stop calling me and they called back 1 minute later. They do this often even though I have demanded they stop.Firstsource is the name of the company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
EXPERIAN has a duty to the FCRA to report correct and accurate information on my credit report and file. They, however are NOT. EXPERIAN is reporting XXXX inaccurate late payments for both XXXX  XXXX XXXX  accounts ending in XXXX and XXXX these include 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are inaccurate and are supposed to be reporting as PAID AS AGREED. Furthermore, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the individual making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. In addition, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is blatant that EXPERIAN violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I tried filling out a travel notice before my trip to XXXX, but was told on their website that they don't do that because of their superior fraud detection capabilities. 

I was in XXXX trying to make purchases for domestic flights within XXXX for {$250.00}. During the checkout process, Wells Fargo said we sent a code to your [ US ] phone number due to their superior fraud detection capabilities. Since I was abroad, I didn't have access to my US phone number. I had to use another card from a bank where I was able to issue a travel notice.

I contacted customer support and was basically told " too bad '' and they provided me no way to get around the text code for future purchases abroad.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: UT

Complaint narrative:
On XX/XX/2023, Chime Bank closed my account due to bitcoin deposits. They wanted to know where the funds originated from and I explained to them that i am a trader. I trade crypto currency like bitcoin and etherem. They wanted w2, for the deposits and I explained that I do not receive them because the money was earned from this trading year. They closed my account and stole the money i had remaining in their. They are lying to me and telling me my balance is 1 , when I had over {$500.00} in the account before it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I have reported numerous times, direct proof of my accusations, and my complaints have not been addressed or resolved. Well XXXX sold my mortgage to M & T Bank. 
The claims and documentation from both mortgage companies does not reflect each other. 
The information provided is false, I was being reported to the credit entities at the same time by XXXX XXXX and M & T Bank mortgage companies along with a fraudulent trail e account that has in numerous occasions changed names from Tradeline, Loan, to Rearrange. 
My past complaints to the CFPB has addressed many of these punks record documents reported falsely against me and my credit worthiness. 
M & T Bank closed my mortgage account in XX/XX/2022 and reported my account as bankruptcy. 
This is false I did not file bankruptcy at that time. 
I have a seed to my land I purchased prior to the contract or construction of my home being built. 
M & T bank has claimed this to be theirs. 
I have constantly endured unfair, unethical, treatment, concerning my mortgage. 
I am a 100 % XXXX XXXX Texas XXXX XXXX. 
My Va Loan benefits were used to purchase my home and the information M & T has claimed does not reflect the documents from the VA or my original FIRST mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Good afternoon to whom it concern, In the past few months, I have been trying to fix my credit due to the fact that I am trying to buy a house and my credit is very important in this matter. I recently reached out to credit acceptance to try to resolve a problem about my credit report. We came to an agreement that if I pay XXXX they will close my account, I then asked them will this {$260.00} delete this negative item off my credit report they told me no. I then asked if I could pay to delete and not pay to close they told me that they do not delete anything off your credit report. according to the XXXX this is a volition of my rights. My first letter stated that " every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validatedXXXX XXXX is not verification, might I add. I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. '' I was not provided any proof from the above details. I am asking for help. 

Thank you for you time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my credit report its reporting that I was 30 days late in XXXX payment .. My XXXX statement says my Payment was due XXXX I payed on XX/XX/2022 the statement says I paid on XX/XX/2022 So i was not late please update this information with Experian because it shows its 30 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: IL

Complaint narrative:
There is a address that showed on my background report that I never was a resident at. 
Please advise and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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:
XXXX XXXX XXXX  is reporting inaccurately and XXXX XXXX XXXX a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$350.00} and {$700.00}. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. My name should only be listed as XXXX XXXX XXXX. any other name is Fraudulent. Also the only address on my report that should be on any on my three reports is XXXX XXXX XXXX, XXXX XXXX, FL XXXX and the accounts that need to be deleted are ; 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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:
See the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NM

Complaint narrative:
I receive numerous calls a day, everyday and on weekends. They never leave a message and when I do answer no one will talk. I have tried to call the number back and it quits ringing but there is no one there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I am writing this complaint regarding a modification on my mortgage. I was offered a repayment or trial payment of XXXX for 7 months. I have had a hardship for the last several years which caused me to fall way behind on my mortgage. I have asked Select Portfolio Servicing to please give me a affordable mortgage so that I can maintain the home. They on purposely gave me the XXXX trial mortgage for me to loose my home. Select Portfolio Servicing has never tried to work with me due to my race and XXXX. They sent a letter saying if I couldnt pay the trial payment to surrender the property. I have always received letters like this as well as foreclosure letters too which has made me file bankruptcy in order to keep the property. I am asking them will they please give me a affordable mortgage so that we can move forward with this matter. I need a place to stay. I want to stay in my home. It need repairs as well. Please help at this point. Also can I get assistance on the repairs as well. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
XX/XX/2023 I, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX had applied for a loan from One Main Financial located at XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX with a XXXX. after compiling with all the required information including submitting our taxes and transcription. which process started weeks ago. We finally called in on XX/XX/2023. XXXX told us that we were denied because a XXXX  is not income. I then asked her to give me a denial letter stating that, and she said she can't, but I will receive a letter. That aroused my attention. I called her back and asked her who can we speak to regarding this and she said no and she sorry well be getting a letter in the mail and hung up.

After reviewing all that has transpired, we thought to call someone to handle this discrimination of income situation and contacted XXXX XXXX XXXX XXXX XXXX XXXX and the referred us to XXXX XXXX XXXX that referred us to Consumer Financial Protection Bureau and this where I started our complaint. 

Thank you in advance for reviewing this case and guiding us to your best of your ability to us getting this matter to either get this loan or giving a legal written letter to why we were denied and reason or another. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Frontline Asset Strategies, LLC
State: CA

Complaint narrative:
I received a Collection on my report and call them when they sent me the mail. On XX/XX/2023 I reached out to the company spoke with a representative and explain to her that this was illegal and explain this account was closed in good standing. I went to a XXXX XXXX XXXX store during covid because I needed the internet for school and I signed up for their {$55.00} internet wireless device that I was able to connect multiple devices and stream movies. Well the sales representative and according to the agreement I had 30 day to try it out and if I didn't like it then your hands are clean. It was a trial base. Well it didn't work very well where I lived and took it back under the terms and agreement and they even issued me a refund for the device I overpaid. But now they say I owe {$160.00} for service fees. I informed them to send me the contract and bill and they have not done so. I also stated that this was a trial and those who got it like my friend did and he didn't get this charge himself. She told me that its a service for fee and I told her what the sales representative told me and she said no its not the equipment its the service. I told her she was not present during the conversation with me and the sales representative. They made me get the internet box and t a phone that I didn't need or use because it needed to be connected to data. Well come to find out that this was not true and the sales representative violated California Frivolous laws that protect from mis representation and lies just to make a sale. So she refused to send me the copy of the contract the bill.

Company response to consumer: Closed with explanation