vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: MS

Complaint narrative:
XXXX account was paid and settled through the debt collections refused to remove from credit report after being paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Im sending this complaint on behalf of myself and not a third part as you have suggested from the past. I'm a victim of identity theft and this has been going on way too long I'm tired of these reporting agencies playing games.

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 2022-04-10 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: AL

Complaint narrative:
Im sending this complaint on behalf of myself and not a third part as you have suggested from the past. I'm a victim of identity theft and this has been going on way too long I'm tired of these reporting agencies playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit age is not reflecting correctly

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 2022-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Roughly on XX/XX/2022, I got a call from bank of America fraud department stating that a credit card/bank application was open in my name and to see if a current charge was made by me. I told them that i never opened a bank of America credit card and that charge was not me. The charge / credit card was that was fraudulently opened was in XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX. This is not my address. There was 3 variations of this XXXX XXXX address on my credit report that the fraud used. I live in XXXX XXXX, CA. not in XXXX, CA. 

I was also told that they tried to open a checking account under my name/ social security. I got a call today XX/XX/2022 by XXXX  XXXX asking if the new application for a bank account was made by me. I told them that i did not apply for anything from XXXX  XXXX. After this call with XXXX  XXXX, i went on XXXX, XXXX and XXXX to freeze my credit reports. While on XXXX, i see that there were multiple attempts on XX/XX/2022 to open an account w/ 3 other banks. I went to Bank of America branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to speak to a banker. They verified my identity and was able to help me block credit card that I did not open and advised me to file a police report. Bank of America Banker told me the profile under the fraudulent credit card had my same Social security number, name and employer. The fraud used a different address and occupation. They listed the address in XXXX, CA and the occupation as a Nurse. However, my employer, XXXX XXXX is a XXXX diagnostic company and do not employ nurses currently to the best of my knowledge. I believe someone is trying to steal my identity and open Credit card/ bank accounts in my name. My credit score has dropped XXXX points in the last month. 

On XX/XX/2022, I received a letter from discover stating that discover credit card application was received in my name/ social security number. On XX/XX/2022, i called discover to let them know that the application was due to identity theft and was made fraudulently.

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 2022-04-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, and XXXX 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 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 2022-04-10 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 # 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 TransUnion XXXX Date Last Active : 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 2022-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: GA

Complaint narrative:
This is a joint collection account, it does not belong to me, it belongs to my old roomate The collection company is called Innovative Recovery Inc and they opened the account on XX/XX/2020 They claim i owe {$170.00} But i called the original creditor and they said the balance was {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Me and my wife installed solar and financed with a company called XXXX. As part of the process they offered us a credit union account with PenFed. We declined, nver filled out the paperwork to enroll in this credit union. We then received information about our bank account under just my name not my wife 's name from PenFed, I called and declined the account that we never signed up for, they said they can't close it, we would have to have XXXX close it, I called XXXX they said they have nothing to do with the account being open. I have called and emailed PenFed Credit Union many times, now they won't respond to my emails, and last week recieved a Welcome to PenFed folder for my new account, they also send me a {$5.00} check which I am sure to get me to deposit the check as a way to solidify agreeing to this account. I want this account closed and it's impossible to get them to do it. I have read their reviews on line and they seem to be a scam of a bank that has very bad reviews. How can I get them to close this account.

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 2022-04-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, and XXXX 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 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 2022-04-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, and XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  inquiry by EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights and inquiries are preventing my self and my family from purchasing my home and obtaining finance. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance 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 2022-04-10 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX Bankruptcy XXXX XXXX-dismissed, Account XXXX, have 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.

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 2022-04-10 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXXXXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX Bankruptcy XXXX XXXX-dismissed, Account XXXX, have 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.

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 2022-04-10 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: ID Analytics, Inc.
State: MI

Complaint narrative:
XXXX XXXX Stream Sage, and XXXX out of XXXX are reporting information about me to the Credit bureaus XXXX XXXX XXXX, XXXX, and XXXX ) without my written consent. According to 15 USC 1681 as an consumer I have a right to privacy. For instance bankruptcies ; the court district does not verify a persons information to the Credit bureaus. Also all my personal information like my name, address, phone numbers, or emails are inaccurate on my report and they refuse to correct it. Any inquiry that is not associated with a line of credit attached to it was not me and submitted as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, On XX/XX/XXXX I sent a letter to Transunion requesting that my personal information ( addresses, employers, phone numbers, social security number, and date of birth ) be updated or deleted on my consumer report. I provided them with what should be updated/deleted and exactly how the section should appear with the correct information provided. The new information was added but under the wrong category ( previous ) while old information remains listed under the wrong category as well ( current ). On XX/XX/XXXX I submitted another letter reiterating my request to have my information corrected. To this day, no action has been taken by Transunion and my information remains incorrect.

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit age is not reflecting correctly

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 2022-04-10 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: VELO LAW OFFICE
State: MI

Complaint narrative:
Velo Law XXXX XXXX XXXX XXXX XXXX they reported to my credit report for {$1100.00} at one time they kept hitting my price up and down up and down then I got in contact with them about that while they're raising the price up and down on the collection which was very unfair to me with messing up my credit report and it was very rude here 's the account number that's on my credit report AN # XXXX case number XXXX t this company is violating my rights please help me thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: Selene Holdings LLC
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account SELENE FINANCE LP # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and A Opened XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  inquiry, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX have violated my rights pursuant : 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: DE

Complaint narrative:
I have XXXX XXXX XXXX but the hospital and the debt collector conspired to collect this debt and damage my credit. They both never attempted to verify the debt or get paid from the insurance company. They must contact the insurance company before attempting to collect this debt. Also, I never used hospital services in XXXX How did the hospital come up with this debt? I was afraid of going to the hospital due to pandemic in XXXX. How did I get charged for services not received?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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 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 2022-04-10 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: IL

Complaint narrative:
I have previously disputed this item Experian XXXX XXXX Bankruptcy discharged reference # XXXX date filed XX/XX/XXXX and date resolved XX/XX/XXXX. I sent another dispute and was responded on XX/XX/XXXX with the following Response, the company who reported the information has certified that information is accurate on XX/XX/XXXX " This unknown entity who reported this information to Experian as accurate has either made a mistake or blatantly lied about the verification because according to the letter which I attached in the add supporting documents upload in your dispute center, it clearly says that they are not responsible for validating and verifying information from consumers credit files. 

Im confused about how this record was verified as accurate and true when there is no way to verify such a record. 

Either way, the reporting requirements do not comply with the letter of the law being FCRA 611 ( 15 U.S.C. 1681I ) as it is impossible for Experian do perform a reasonable reinvestigation or for Experians vendor to do so.

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 2022-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
I requested to our mortgage lender to remove XXXX, based on the value of the home. I ordered an appraisal on XX/XX/22. Between the date of ordering and XX/XX/22, I followed up 6 times. Both by phone and email. The person in charge of this process at the bank, First National Bank of Omaha ( FNBO ), is named XXXX XXXX. She responded each time that she only orders the appraisal, and has no control. After trying to get a resolution for 5 weeks, she told me its not really a problem because if its approved, well retro this to when you asked, and credit the XXXX back. I told her this is an unacceptable answer, and its taken far too long. She agreed it had taken too long, but said she had no way to escalate this, or follow up. Come to find out a few days later on XX/XX/22, the appraisal was never accepted by anyone to do it. Even though someone came out to take pictures and measure the exterior of the house for the appraiser. This is ludicrous. She then suggested instead we do a XXXX, as it will be done by a local real estate agent. On XX/XX/22, she told me that when she ordered the XXXX, it cancelled our place in line for the appraisal, but she thought the XXXX would come back quickly. Nearly another month has passed, as it is now XX/XX/22 and we are no closer to reaching a resolution than when I started this months ago. There must be some path of recourse. This seems outrageous that a lender can simply say they have no way to check on this, no clue on when it the process will be completed if ever, and continue charging me every month for XXXX premiums that are unjustified.

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