vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX is reporting this account negatively on my XXXX and Transunion Credit consumer file. I reported this account to the Federal Trade Commission on XX/XX/2021 and this account is currently reporting still on my file. This account was listed XXXX different times and they have only removed on of them so far. XXXX accounts remain. 

Under XXXX XXXX Code XXXX permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? No I NEVER GAVE CONSENT Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include -- - ( A ) Subject to section XXXX of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation ... ... ... ... of XXXX XXXX XXXX. 

I will be seeking damages against Transunion in the amount of {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX XXXX violations XXXX. Fair Credit Reporting Act XXXX XXXX XXXX violations for willful XXXX. Civil liability for willful noncompliance [ 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 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
The debt collector called me in the past and I explained to them that I do not own nor owe this debt and I asked them to stop calling or contacting me. I assume that they sold this debt to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Today I called AmeriHome to inquire on a wire that AmeriHome was supposed to have deposited {$5600.00} into my account. A Representative named XXXX XXXX XXXX ) informed me that the wire was made on XX/XX/XXXX. It is now XX/XX/XXXX and there has been no wire deposit into my account. The representative confirmed my bank and account number. I requested a copy of the wire confirmation but he was unable to provide and said he would put in the request to have someone mail me that. 
I really need help this wire is supposed to be a reimbursement of my escrow funds when I closed my mortgage with them. My mortgage was paid in full in XXXX of XXXX. AmeriHome stated that the check for my escrow refund was mailed on XX/XX/XXXX but I never received the check. A representative later informed me that the check had been cashed. The check was not cashed by me and so I filed a police report and completed the process at AmeriHome for them to investigate that process went on for many months and finally in XXXX I was told that AmeriHome would be reissuing the check. Then on XX/XX/XXXX Amerihome mailed me the attached letter with a check enclosed that was not written out to me. When I called AmeriHome they informed me that it had been mailed to me in error and that they had to internally issue payment to XXXX and then XXXX would make a payment to me. On XX/XX/XXXX I received an email thanking me for my payment received by AmeriHome on XX/XX/XXXX for {$5600.00} ( exact amount I am waiting for them to issue me ), a payment that I did not make. This mortgage company is a true mess. It has been over a year that they have failed to give me my escrow funds. I really need help this mortgage company has no way to escalate a call to a supervisor or fraud department it is simply a representative that takes the call and informs me of the notes on the computer and if I ask any question of them they say they will send a message and I need to call back to find out the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and 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 2022-04-20 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: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: PA

Complaint narrative:
unauthorized wiyhdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
My complaint is about Fifth Third Bank. I contacted them for the last couple months trying to have this account removed off my credit. I contacted them they stated they will remove it. It never went no where. Im in process of purchasing a house and this account reporting as closed in XXXX is hindering my process. I need this account off of credit report like bank stated they will do. The account is also pass 7 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma, LLC
State: LA

Complaint narrative:
Credit Karma is holding my phone and will not release them I can not use my phone as a father dispute the dispute was successful so I want to dispute and Credit Karma still will not release the hold off my account I have signed in my ID my driver 's license and also other things and it's getting really frustrated hoping to get this squared away so I don't have to keep dealing with this I have asked them multiple times to close my account but they keep saying it can not close my account but I also can I use my phone this is very irritating and I'm getting frustrated please look into this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: MO

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. 
DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX Page XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 USC 1681 section 602 A states i have the right to privacy . 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( 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.

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 2022-04-20 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: FL

Complaint narrative:
I have requested from Equifax, XXXX XXXX XXXX XXXX XXXX to verify with method of verification of an collection account on my credit report from " XXXX XXXX XXXX XXXX XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As to this date I have not received from Equifax, XXXX XXXX XXXX XXXX XXXX any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof. I have attached the letters sent to Equifax, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have federal student loans, initially with Sallie Mae, then Navient, not XXXX. 

In high school XXXX XXXX XXXX XXXX, I was repeatedly pulled out of class to hear from a third party representative about federal student loans and filling out a XXXX form. From my perspective, it seemed that all students pulled into these presentations were high-performing, low-income students. 
I was told by counselors, teachers, and the representative that all student debt was a " good debt '' and an " investment in my future ''. I was told not to worry about the amount I take out, as I would be able to consolidate the loans and have a " manageable payment ''. I do not know where this third party came from, but I believe this was a predatory act by federal loan servicers and that my high school was prioritizing numbers ( % of grads attending college ) over my wellbeing. 

Through the years, I have paid over {$14000.00} toward my federal debt. {$4000.00} of this has been applied to my principal. The amount I borrowed was about {$20000.00}. My current balance is over {$25000.00}. From XXXX, I consistently made my monthly payment, however {$0.00} were applied to my principal balance. 
I set up this repayment plan at a time when, if I was on XXXX, my monthly payment would have exceeded an amount that I could afford to pay. I was offered an alternate payment plan that I could afford, which is the one I've described where my principal balance increased by {$5000.00} over the course of 6 years. It was not explained to me at the time that this payment plan would set me up to perpetually experience more debt rather than work towards repayment. I believe I was taken advantage of by the student loan servicing companies. 

I feel as if my situation, because I did not experience forbearance or missed payments, is slipping between the cracks through the current and ongoing lawsuits and legal changes. Also that the misleading marketing about federal loans that I experienced came from an unknown third party at my high school. I truly believe that, as a low-income student with parents who did not graduate college, I was misled and taken advantage of by the federal student loan system. 

I'm not sure what you can do with this information but I felt I needed to share my situation as I continuously see news about potential relief and successful lawsuits that provide relief and support to people who have been similarly taken advantage of by this system. There must be others who share these experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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:
Recently, XXXX reported a XXXX point drop in my credit in one day .they send me a report via e mail telling me that I had inquired from XXXX XXXX and XXXX on my report. Then told me I must send them money to upgrade how my credit is reported in order to remove them. 

Now I have a credit freeze on my XXXX account and and have not applied or asked for credit from any one. 

I also pay all my my bills as directed by my bankruptcy plan, and they know I can not keep being penalized by reporting that. 
I XXXX and XXXX XXXX collect money on their end and with the advent of Covid, family members are trying to connect and use those systems which have some how been captured by XXXX to put on my report, not for XXXX to go and double dip. Ancestry queries have nothing to do with credit reporting.. I use them too find out family members and locations, and I hope I not hurting people by verifying information on a heritage chart. 
XXXX knows medical information must be removed from credit reports this year and must find sone other gig to keep their company going at consumers expense. 

This practice is not fair, my job went bankrupt during this Covid stuff and many people have died. You can not charge people that are looking for family and make profit off their search. Like I said people have already paid, they are not creditors, XXXX needs to stop this practice or get out of the business trying to hurt people at the expense of the economy. I want all such inquires removed off my account immediately and to stop the shenanigans playing with my life. XXXX do right by your consumers

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 2022-04-20 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: NJ

Complaint narrative:
Recently, XXXX reported a XXXX point drop in my credit in one day .they send me a report via e mail telling me that I had inquired from XXXX XXXX and XXXX on my report. Then told me I must send them money to upgrade how my credit is reported in order to remove them. 

Now I have a credit freeze on my XXXX account and and have not applied or asked for credit from any one. 

I also pay all my my bills as directed by my bankruptcy plan, and they know I can not keep being penalized by reporting that. 
I XXXX and XXXX XXXX collect money on their end and with the advent of Covid, family members are trying to connect and use those systems which have some how been captured by XXXX to put on my report, not for XXXX to go and double dip. Ancestry queries have nothing to do with credit reporting.. I use them too find out family members and locations, and I hope I not hurting people by verifying information on a heritage chart. 
XXXX knows medical information must be removed from credit reports this year and must find sone other gig to keep their company going at consumers expense. 

This practice is not fair, my job went bankrupt during this Covid stuff and many people have died. You can not charge people that are looking for family and make profit off their search. Like I said people have already paid, they are not creditors, XXXX needs to stop this practice or get out of the business trying to hurt people at the expense of the economy. I want all such inquires removed off my account immediately and to stop the shenanigans playing with my life. XXXX do right by your consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SinglePoint GI
State: LA

Complaint narrative:
I attended school at XXXX XXXX XXXX of XXXX. I wanted to enroll in the XXXX, but their XXXX  classes start in XXXX. I was using financial aid, after submitting my transcript and other information and started class, I was told I needed to submit a statement why I received a XXXX for a previous college due to the pandemic and I worked at XXXX and I had to work extra hours by my employers not having enough workers. I did that and the representative would not approve it. The representatives had a very nasty attitudes. I attend college now and is using financial aid. This school is ripping students off by trying to make them pay. I was dropped before the semester was over and they wanted me to pay the {$3000.00} and start the XXXX classes over for XXXX XXXX. I should not be held responsible for that lack of trying to use my financial aid. I should not be penalized to make this payment. The school is doing unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
Received a collections letter from CBE Group Inc, attempting to collect a debt that they claim I owe XXXX XXXX. The amount is {$45.00}, as of XX/XX/XXXX. I do not know who or what this company is, I have no knowledge of who or what XXXX XXXX is either. I XXXX  the company name and it is a XXXX XXXX XXXX that has been out of business since XXXX. I have never done any business with the XXXX, I have no reason to need this companies services nor have I ever done any business of any kind with them ever. 
This is an attempt to collect a false debt, If there is any further communications received or if this supposed collections account shows up in my credit report I will file legal actions against CBE Group, Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # 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 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 2022-04-20 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, XXXX XXXX XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: MO

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. 
DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX Page XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states i have the right to privacy . 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( 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.

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