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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

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. 

Account name : 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

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: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NY

Complaint narrative:
The manager XXXX was verbally abusive to me and bullied me on the call when I was trying to work out my account. He questioned me on things unrelated to this debt and was degrading. I just wanted to work out a resolution on my account.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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: NC

Complaint narrative:
Equifax is breaking the law in 3 different ways. Number one they do not block items within 4 business days of getting all the 4 documents from me. I send the documents through your entity and they still don't block Em. They start an investigation instead which is illegal and breaking the law part 2, Instead of blocking the item. Their claim is they can't read the FTC report but yet they know which account to put a dispute on because they can't read the report they're just breaking the law. I will include all 4 parts including the law in this filing of the complaint. 605B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I recently opened my account in early XXXX of XXXX  I had to place money in the account to ensure the opening of the account so that I could receive my tax return upon receiving it I made a few purchases and I got up running late to get my Daughter to school I then realized I did to have my debit card I send my godmother some money for my purchases I went home and looked for my card and couldn't find it I then called Citi Bank they kept telling me that I made transactions at the location several times and have been for a couple of years i asked them how when i just opened my account he got really rude i have been filing dispute after dispute and I keep being told the same thing now as of recent my exhusand sent some money for our children through XXXX and it says received but its not in my accounnt

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My concern is about XXXX line of Credit. I was given a line of credit for {$2000.00} and I maxed it out after some months. My balance was {$1900.00}, so I paid the full balance from my bank account, {$1900.00}. The money was taken out of my account right away. One week later the balance is still not paid. Mind you, this is an interest-bearing account if the balance is paid within a certain amount of time. I called the company and ask why my account is not paid in full? I am told, since this is a new account, the amount I paid is placed on hold to prevent fraud since this is a new account. They even go further to tell me that the hold on my money that I paid to clear this account will be held until XX/XX/XXXX! They stated it's in our agreement. No where in the agreement could I find this. I paid this amount on XX/XX/2023. When they release the money to pay the account in full, it would be 16 days that they have held those funds to pay off my account. The interest from holding this money will not be giving to me, but to them. I have advised them that this is highly illegal, and they stated they can do this. Can you please offer some assistance here? I find this very disturbing that my money is just sitting there and not applied to the balance to pay it off. Thank you so much.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AVANTE
State: FL

Complaint narrative:
Never seen this company AVANTE USA before and do not recognize them. Sent me a letter demanding to pay them {$930.00} as part of a settlement on XX/XX/2023. They need to view any original debt with original documentation if valid.

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: TX

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: NC

Complaint narrative:
I requested for a Covid-19 Loan Modification with the servicer. The servicer approved the Covid -19 Loan Modification but did not give me the required 14 days to review and return the Loan modification documentation. I then called the servicer after realizing that i the payments were going to be to much and the servicer told me that due to the rising interest rates my mortgage payments would be higher. I asked the servicer if i could get the partial claim modification and the sericer told me no. I then told the servicer that i was not given the required 14 day as allowed by law to review and return the documentataion and the servicer said that i had until XX/XX/XXXX to return the documents along with the first two payments. I then told the servicer that i would do that after i reviewed the documents. XXXX days later i received in the mail a Notice of Denial due to my refusal of the offer. I never denied any offer of the Covid 19 Loan Modification. After reviewing my account with the servicer on the servicers website i found that the servicer put me on a repayment plan that i did not agree to nor did i sign a contract to repay XXXX. I thought that was the whole point for the Covid-19 Loan Modification Plan was to reduce the mortgage payment. When i did finally get off from work to get the documents notorized and signed i find out that the servicer has my wife`s name wrong on the documents and as a result i could not get the documents notarized due to the servicers error. After several emails and phone calls to the servicer i am still no closer to getting the correct documents from the servicer and i am still on a plan that i did not agree to nor can i afford. After reading the Loan modification documents i found that mortgage payments have not been applied to my mortgage by the privious mortgage servicer nor by this servicer after the mortgage was transferred to this new servicer. I sent to the servicer a Quilified Written Request XXXX weeks ago and still i have heard nothing. This is a violation of law. The servicer is suppose to acknowlegde that they recived my QWR within five days. The servicer has not acknowledged this. Can you help me get a Covid 19 Loan Modification from this servicer i can afford.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Office of Child supportXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states 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 explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Exterer Financial called stated they will be sale my vehicle never received any documents they reported a balance of XXXX dollars on my credit report ask them to provide documentation Report it the the credit bureau to investigate the credit update and have them to provide documents. No documents but still reporting to my credit report

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion credit bureau has decreased my credit score by a total of XXXX points within the past 2 months on XX/XX/XXXX ( XXXX points ) and XX/XX/XXXX ( XXXX points ) which was unwarranted, without any credible reasoning and/or excessive drop in FICO score with the the intent to negatively impact my financial credibility and over all opportunities with the benefits of lower interest rates. These practices are unlawful, unethical and unfair practices of Transunion credit reporting agency.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was pre-qualified for a card, then rejected after applying. That was deceptive to pre-qualify me and then continue to reject me.

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am re-filing this case because Equifax mailed me a letter stating that the information I am disputing on case XXXX and case XXXX have been verified and it is reporting correctly. 

For the 2nd time Equifax tells me to contact the TX Fed BK Court. I attached this letter in my first complaint showing I have contacted The US Bankruptcy court and they have stated in a letter which is attached again that they do not report information to or remove information from the credit bureaus which is unverifiable. 

Also, attached is a letter from XXXX of whom Equifax use to verify this information. XXXX letter states they have reviewed the information from the bankruptcy records and determined the data being reported as unverifiable. 

XXXX also stated that they conducted their research from the following source : XXXX XXXX XXXX. 

Please see attached XXXX, the court letters and Equifax letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
When called rep fid not specifically what the debt was for XXXX provided proof of the bill

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 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hello so I have a business with my uncle and I got my share of money and I ask him to put it into my account via XXXX and he did so when I went to my bank just to take some money out to pay my rent the bank said it was some activity that I didnt know or recall of that was made by me so I told them that it wasnt me after they try to tell me about money my school send to me and it was fraud now I have XXXX dollar in the account and they dont want to give me my money they keep saying it not my money plus they were suppose to close the account and give my money and still havent received it Wellsfargos been 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
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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are account 's and inquirys on my account that I did not authorize and there are also collections and late payments being reported that are inaccurate I have contacted XXXX XXXX and Equifax to dispute these items and give them my updated address and they hang up on me

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: NC

Complaint narrative:
There are account 's and inquirys on my account that I did not authorize and there are also collections and late payments being reported that are inaccurate I have contacted experian XXXX and XXXX to dispute these items and give them my updated address and they hang up on 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 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I sent XXXX XXXX asking them the verification & validation letter. I only received a verification letter. They didn't send me all the information that I requested. After looking at what they sent I realized the amounts is different on the last statement they sent from XXXX vs what XXXX  has listed. The information don't match & is inaccurate. The last statement say new balance {$480.00} previous balance {$470.00} vs what they say is {$450.00}. I sent them a letter asking for all billing statements & the original contract with my signature. I didn't receive it only one statement. I will include the letter I sent along with what they sent me. The {$450.00} is also being reported on my credit. I want to know how they come up with this amount vs what the statement say. There is no proof of how they came up with this amount im sure that's a violation

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