vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-02-09 00:00:00
Product: Credit reporting 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:
Privacy and confidentiality under 15USC 1681. 
XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, other than records of convictions of crimes which antedates the report by more than 7 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 2024-02-09 00:00:00
Product: Credit reporting 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:
Privacy and confidentiality under 15USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, other than records of convictions of crimes which antedates the report by more than 7 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 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: COMPUTER SCIENCES CORPORATION
State: WI

Complaint narrative:
We had a loan transferred from XXXX XXXX to XXXX XXXX XXXX and serviced through CSC Logic Inc. We paid off the loan years but the lien was never released. Now CSC Logic Inc. is out of business so there is no one to contact to get the lien released so we can get the title. We've also contacted XXXX and not getting anywhere with them.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting 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. 


I told Experian to reinvestigate these accounts : Account name : XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? 
According to XXXX5 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Agency stop reporting mortgage payment history. The account is paid in full and in good standing. Agency states there's a statue that requires removal of a closed account after 10 years. Agency fails to provide the statue to me and refuses to add to mortgage account to my consumer report. The following statue quoted doesn't apply to closed accounts in good standing. " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. '' Dates : XX/XX/XXXX, XX/XX/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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting 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:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
WF CRD SVS fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). WF CRD SVS is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My credit card limit has been {$2700.00} with Paypal Credit. In an effort to repair my credit by reducing my credit ratios, I made several large payments toward various credit card accounts including Paypal Credit on XX/XX/. I selected this account to make a large payment of {$1000.00} due to the higher interest rate but I could have selected a different credit account to make such a large payment towards. My regular payment with Paypal was around {$120.00}. On XX/XX/, I noticed that Paypal Credit reduced my credit limit from {$2700.00} to {$1900.00}, leaving an available credit of {$56.00}. I am aware that creditors can adjust credit limits for various reasons. However, I am concerned that this creditor conducted a review of my account due to the large payment that would have resulted in less interest accrued and paid to the creditor. I am also concerned that my credit will be negatively impacted by the reduced credit limit, even though I made a large payment towards the account in an effort to improve my credit. This is very frustrating and stressful, especially in this economy. 

I am concerned that this company has a pattern of reviewing accounts that appear to be less profitable to the company, due to lower balances. I called to inquire about the credit limit decrease. The first representative told me her system went down and stated she would transfer me to a new representative. No one answered after XXXX minutes. I called back. The second representative stated an account review was conducted on XX/XX/, which was one day after I made a payment towards the account and the same day the payment was effective on the account. The representative stated a letter would be sent to me soon.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
STILL WORKING ON THE ISSUE MEANS ABSOLUTELY NOTHING AS USUAL EXPERIAN IS LYING THEY RESOLVED NOTHING STILL WORKING ON STALLING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
PENNYMAC LOAN SERVICES L fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). PENNYMAC LOAN SERVICES L is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I bank on line. My income is Social Security which checks are received the XXXX Wednesday of month. Once or twice a year because of how the Wednesday falls, my payment might bea day late. My due date is the XXXX of the month. My bank sent my FINAL payment on my account with Catherines  ( held by Comenity Bank in XXXX, Ohio ) on XX/XX/2023. The bank indicates payment PENDING until it is delivered and then indicates PROCESSED. It was processed on XX/XX/2023. I received a bill in XXXX indicating my payment and a {$41.00} late fee. I contacted Catherines  and they refused to remove this charge. I contacted Comenity twice and they refuse. I closed my Catherine Account. I continue to received additional charges now to the tune of {$240.00}. I believe the problem is with their POSTING OF MY PAYMENT. In addition, I believe that all circumstances surrounding this payment should be considered within the realm of reason. 

I received a correspondence recently that underscores my belief that Comenity is about GREED AND XXXX  THEIR CUSTOMERS. I have held accounts with other Comenity charge cards. You can go through all of them for years and see how I have paid my accounts. Late charges were always due to SS checks and I have always either contacted them or paid. I am XXXX XXXX XXXX on fixed income. I have been a good customer. 

Comenty bank charges 29 % interest and for me {$41.00} late fees or more. Interest is usury and should be stopped for all these credit card companies. It used to be that anything over 15 % was named USURY! This manner of treatment of customers is criminal and I look to your organization and others to do something about this. I will not pay these charges! They are wrong and I do truly believe criminal!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
Well, the issue is that this alleged debt was settled and paid on XX/XX/XXXX. The payment cleared my bank account the XXXX of XXXX as of the amount {$1700.00}. Soon after that I requested a payoff letter proving that the account has been satisfied and paid. So, I received a letter dated XXXX XXXX. The payment was accepted and processed by XXXX XXXX XXXX XXXX 's office XXXX XXXX XXXX. In bold on the letter, it states in quote ". This account is considered settled in full of no further monies due ''. Also, mentioned on that letter is " This is your receipt for that payment and paid status on the account ''. I tried disputing inaccurate information on my XXXX report on XX/XX/XXXX. Account history incorrect, paid in XX/XX/XXXX, should not be marked late in XXXX and XX/XX/XXXX. Also reporting XXXX major delinquency as of XX/XX/XXXX. But the account was put in their office XX/XX/XXXX. My XXXX report indicates inaccurate reporting on the account of CKS Prime Investments because it was paid in XX/XX/XXXX and it still shows the account as open, Also, no indication that the account was paid on my XXXX report. As of right now I pulled my XXXX report, and it still shows inaccurate data on CKS Prime Investments by having the account as an open collection account not closed. Also, showing the account with a status date as of XX/XX/XXXX not, XX/XX/XXXX when it was paid. Also showing a 120 day late in XX/XX/XXXX but on time payments afterwards for XXXX, XXXX and XXXX. As of XX/XX/XXXX, CKS Prime Investments is reporting a pay date of XX/XX/XXXX, but then showing a collection as of XX/XX/XXXX as a status update. Also indicating that it meets requirements of FCRA, which I do not know how if I supplied all the payoff letters and errors on the credit reports. I supplied the letters confirming the payment clearing the bank account and the payoff letter but still verified from CKS Prime Investments as not paid in XX/XX/XXXX or inaccurate reporting throughout the XXXX bureaus.

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 2024-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: GA

Complaint narrative:
I have disputed this debt many times. I rather set up payment arrangements with the original medical facility. I have requested documentation so that I can sort this out. I have expressed that I am unemployed and unable to pay the debt in full. I was told that they do not offer discounts or payment arrangements. How am I supposed to pay this debt if I dont have the money, am not able to set up payment arrangements, being charged interest and can not get a copy of the debt details in full to make sure it is accurate. This company is very rude and unhelpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
I called NewRez in XX/XX/XXXX to confirm timing of my escrow analysis and escrow refund and was promised I should receive a check early XX/XX/XXXX. Utah property taxes are due every XXXX, and NewRez policy is that escrow analysis is completed for Utah mortgages in XXXX with refunds following. 
I inquired via the NewRez website for my escrow analysis and refund on XX/XX/XXXX and XX/XX/XXXX. 
Separately, I requested new escrow analysis as far back as XXXX XX/XX/XXXX, based on my upcoming and known property tax. 
Due to NewRezs failure to refund my excess escrow in a timely manner, Id like to cancel escrow and pay taxes and insurance on my own. NewRez refused this request, claiming I am not eligible to cancel escrow until 2 years after loan origination. 
I called NewRez again today, XXXX XX/XX/XXXX, and was told that I should expect a resolution on XXXX XX/XX/XXXX, more than 2 months late, even with expediting my request. 

NewRez has been holding my escrow hostage for an excess 3 months after property tax was paid and excess would have been readily identifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I purchased a ticket for {$240.00} from Frontier Airlines on XX/XX/XXXX. On XX/XX/XXXX someone accessed this reservation and canceled it. I requested a full refund from Frontier Airlines, and they would not grant it. I specifically told them I did not cancel the reservation and asked them what country the cancellation came from, and they would not provide that information. 
The reservation was purchased on a Barclay 's Frontier Airlines Mastercard. Once the charge was listed on my account, I disputed it. On XX/XX/XXXX, I called Barclay 's to check the status of my dispute, and the customer representative indicated they had rejected it. The representative said that I should write Barclay 's Billing, Disputes and Fraud department to notify them that this was a fraudulent charge. On XX/XX/XXXX, I wrote and sent Barclay 's that letter. On XX/XX/XXXX I received a letter from Barclay 's dated XX/XX/XXXX stating " After further review, we're not able to assist you with obtaining a credit to your account due to the following : Insufficient proof that the merchant has violated the invoice/contract 's terms and conditions. ' This statement did not state anything about Barclay 's fraud protection, which as far as I can tell is non-existent despite their claims otherwise. On XX/XX/XXXX I canceled the Barclay 's Frontier Mastercard and sent Barclay 's a letter stating that I dispute their implication that there was no fraud, and that I would not be paying the charges and any associated fees, and that they should pass that information along to XXXX, XXXX and XXXX. I will note that all I was asking for was fraud protection. Frontier Airlines has a system with very little security, such that someone was able to access my reservation and cancel it. Barclay 's Frontier Airlines Mastercard should protect its customers from this type of fraud.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my 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 non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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