vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 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: LA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions

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 2023-05-31 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: IL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: TN

Complaint narrative:
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 resident verify XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 experian XXXX XXXX XXXX XXXX XX/XX/2022 experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 experian XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX - XX/XX/2022 XXXX Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/2022 XXXX have tried to dispute these inquiries but they have not removed them i do not recognize these at all and need them to be removed

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 2023-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/2023, I received an email from Citizen 's bank stating that they were offering {$10000.00} to qualified first time homebuyers with a minimum score of XXXX. At the time my score was a XXXX. I called Citizens and they took my preapproval application over the phone. They sent emails requesting verification information and shortly thereafter I received an approved preapproval ltr stating I could shop for a home. I found a home, signed a purchase agreement in XXXX. I notified my loan XXXX that I found home and signed agreement. XXXX XXXX told me to hire an inspector. I had inspection done and XXXX then informed me I had to pay for an XXXX and sent instructions on who to pay a {$650.00} fee. I then started receiving all these requests for additional information and proof of paid debts for the underwriter. The lender ran my XXXX XXXX XXXX significantly reducing my XXXX XXXX. I provided proof of downpayment funds, paid off debts as required by lender, and provided documentation over and over for the same debts. XXXX never mentioned downpayment assistance throughout this process and at the last minute they are sending conflicting disclosures and requesting the same information they requested previously as a condition of the loan commitment. As a result of the way this process was handled, I exhausted my savings paying off debts that were not delinquent and lender was still asking for an exorbitant amount of money to close. I tried on multiple occasions to reach XXXX as well as my realtor only to have my calls ignored. My realtor also tried contacting the bank to speak with XXXX 's supervisor and no one ever got back to me about his lack of communication. At this point, I am in danger of losing this home because the seller has run out of patience and I still need to transfer this transaction to another lending institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
ACIMA DIGITAL FKA SIMP XXXX XXXX {$1500.00} I just disputed this inquiry and below I will be attaching documents that I paid for this furniture by cash app in full At XXXX XXXX Yes I did buy and pay for furniture I only signed up for acima digital because I was told I had to do a credit application to get the items I ended up paying two payments a week apart of each other because I didnt want a lengthy process when paying for furniture in full I did create a credit account for Acima and put my payment information on file but didnt use the credit because I ended up going through the furniture store to make two payments to pay off the furniture I brought a recliner living set I paid {$1000.00} XX/XX/XXXX And another {$1000.00} XXXX XXXX Which means someone in the store charged me for services I didnt inquire and for an item I didnt receive So again my privacy has been violated Under Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 This is identity theft because I didnt authorize my personal identity to a debt for items that I didnt obtain or receive I am filing an identity theft report with the ftc Because someone at the furniture store used my identity to obtain product from my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I want XXXX and Equifax to immediately delete and remove all fraud alerts and blocks from my XXXX and Equifax credit report, so XXXX XXXX Bank can access and get a copy of my XXXX and Equifax credit report to offer me a credit card account and open up a new checking and savings account for me at XXXX XXXX Bank. So XXXX Bank can not access or get a copy of my XXXX or Equifax credit report due to a block being on my XXXX and Equifax credit report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. XXXX. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. XXXX. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I want Experian and XXXX to immediately delete and remove all fraud alerts and blocks from my Experian and XXXX credit report, so XXXX XXXX Bank can access and get a copy of my Experian and XXXX credit report to offer me a credit card account and open up a new checking and savings account for me at XXXX XXXX Bank. So XXXX Bank can not access or get a copy of my Experian or XXXX credit report due to a block being on my Experian and XXXX credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2023-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Summit Horizon Financial Services
State: MI

Complaint narrative:
I was contacted by phone on XX/XX/2023, a XXXX XXXX from XXXX XXXX XXXX  XXXX. XXXX contact number is XXXX. He claimed to be working with the federal student aid office stating that they could help me through the application process for the loan forgiveness for part of my loans. They had much of my personal information, which led me to believe that they were working directly with this department. They outlined a payment plan that they claimed would guarantee me forgiveness for a significant portion of my loan if the initial payments were made. They did not say that the payment amount was for their services, not directly going to the DOE and I was misled into signing a contract with them. I have been charged the first amount but do not wish to continue business with them. Particularly after doing more research and finding them related to Summit Horizon Financial Services which has many complaints on the XXXX for the same issues I had. I would like a refund and for this contract to be nullified, but I also hope to flag this company as a scam so that future students don't get misled like I was.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-31 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: CCS Financial Services, Inc.
State: CO

Complaint narrative:
We had an insurance policy with XXXX. That policy was cancelled XX/XX/XXXX. Since then we had moved and did not get XXXX 's letter until XX/XX/XXXX. At that point we were handling the payment with XXXX. XXXX informed us we needed to contact Credit Collection Services and advise them it was being handled directly with XXXX due to charges that needed adjusting. 

XXXX reversed the account given to Credit Collection Services and the account was paid. 

I am showing that Credit Collection Services received the file XX/XX/XXXX. This was during the time it was paid to XXXX. We were not notified that Credit Collection Services still had the account. 

XXXX advised the account was given to Credit Collection Services and they issued a letter stating " External Collections has successfully been stopped. '' This should have been the end of the process. 

XX/XX/XXXX we got involved in purchasing a new home and put our current home on the market. We are set to close on our new home in 2 weeks and have put down a non refundable {$20000.00} deposit with the builder. As of XX/XX/XXXX, Credit Collection Services had not reported to the credit bureaus stating the account was in collections. Had we have known we would have gotten XXXX and CCS involved to resolve the matter since it has been completed with XXXX. 

XXXX XXXX I got an alert that a new collection account was reported. This report was for the total amount ( {$660.00} ) that was paid to XXXX and CCS stated they have had the file since XX/XX/XXXX. Our policy did not expire until XX/XX/XXXX and we handled the credits and payments with XXXX. 

I immediately called Credit Collection Services and advised we did not have an account with them and it was handled by XXXX and the account closed with no record on the report. CCS advised they would need to investigate with XXXX. XXXX has spoken with CCS on the phone and told CCS they needed to remove the collection on our credit report. XXXX has also issued 2 letters asking CCS to remove the reporting immediately. 

We have called CCS daily since reporting and they say it will be handled on their timeframe. The misreporting is causing a {$20000.00} loss and a home for our family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DigniFi
State: TX

Complaint narrative:
I am filing this complaint in regards to the company Dignifi. I signed a fraudulent contract on XXXX XXXX with a finance balance of { {$1000.00} }. Which is at XXXX XXXX .Since then I have paid a total of { {$600.00} } and as of today XXXX XXXX my balance has only decreased by { {$97.00} }. This company has not applied any payments that I have made to my principle balance of the loan. This company is illegally charging high interest on this account that is not even being documented properly. I reached out to them on multiple occasions and have asked why the balance hasn't decreased and why the balance was still very high although I have been making payments and the company 's only response is that its from interest.This is fraud!! The total amount of interest paid to date is { {$500.00} } which is unfair but not even that only { {$97.00} } was put towards principal why hasn't the payments been applied to the principal balance that on a loan of { {$1000.00} } at XXXX XXXX .Dignifi is still saying I owe a sum of { {$960.00} } .this is malicious and deceptive practices. Dignifi is also reporting under my consumer report as confident financial solutions which I never signed a contract with and also reporting inaccurate data which has effected my credibility, creditworthiness and reputation.Which is fraud? Please see the attached statements and current statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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. 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, 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 XXXX 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 explanation
Consumer complaint received 2023-05-31 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: VA

Complaint narrative:
Accounts opened 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 non-monetary relief
Consumer complaint received 2023-05-31 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: NJ

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Account # XXXX To whom It XXXX concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$670.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault

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