vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX, TRANSUNION AND XXXX IARE CURRENTLY SHOWING ON MY CREDIT REPORT AS A COLLECTION THAT IS NOT MINE..

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, EXPERIAN, XXXX AND XXXX IARE CURRENTLY SHOWING ON MY CREDIT REPORT AS A COLLECTION THAT IS NOT MINE..

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 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
XXXX XXXX sold the XXXX buy power card to Marcus Goldman Sachs. On Saturday none of my cards worked called XXXX XXXX and was told to call Marcus Goldman Sachs. Called and was put on hold for over 30 minutes than disconnected. Called back to a recording that now says they wont help XXXX  XXXX customers until the 22. Called on the 22nd where I waited 3 hours for a call back only to be told in that call back that my account didnt fully transfer and they dont know why. Try to log in at XXXX to a page that says they need info and to call them. Call them to 3 hour hold times. Was told I will get a call back from a manager in 24-48 hours but I doubt it. Meanwhile XXXXl XXXX closed my account which was my longest open account at 15 years and due to the age of that card and my available credit sinking my credit score dropped 40 pointsgreat since I never had a late payment and paid the card off weekly. This is a terrible rollout and expect a class action lawsuit. Signed up for a XXXX card with citi. XXXX and XXXX XXXX should be ashamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I believe that experiencing a breach of contract and believe funds are misapplied. 

I received a letter stating that my mortage was increase from Originally XXXX due to escrow fees that are not accurate. 

I have a statement stating my escrow about was short by XXXX Ranging from XXXX The bank refused to 1., allow me to pay my own taxes, 2., are misappropriation of funds being charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I went to pay my

CITI card by phone. I have done this multiple times before. I wanted to make a one time payment. Before doing so I reviewed the terms on the statement for payments by phone. The terms were : For phone payments you authorize CITI to electronically debit your specified bank account by an ACH transaction in the amount and on such date that you indicate on the phone. YOU ALSO AUTHORIZE CITI TO AUTOMATICALLY DEBIT YOUR SPECIFIED BANK ACCOUNT EVERY MONTH, in the amount and on the same date each month you indicate on the phone until you withdraw your authorization. I called to make the payment and was routed to a automated system. One of the first things the system indicated was " you are agreeing to the payment terms on the statement. '' I hung up and
did not pay. I then called and spoke to a representative named XXXX. I

went over the terms and asked if it was correct that if I made a phone payment I would be enrolled in auto pay. She said no despite what the terms clearly state. She said I was not enrolled in auto pay and accepted a one time payment from me over the phone. At least I hope that's the case. The credit card terms should make clear that one time payments by phone can be made and not be forcing people to enr oll in autopay just because they are making a payment by phone.

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 2022-02-23 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: NC

Complaint narrative:
Team, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all 3 major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. Experian : 1. XXXX XXXX XXXX - XXXX ; 2. XXXX XXXX XXXX - XXXX ; 3. XXXX XXXX XXXX - XXXX ; 4. XXXX XXXX - XXXX ; 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 non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance XXXX {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXXXXXX Balance : {$1100.00}

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 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report.

DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance XXXX {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX, XXXX and XXXX are in violating of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion already agreed to this acct erroneous and inaccurate here proof. These accounts are not mine, they are inaccurate, unverified and unauthorized. ( Exhibit A ) XX/XX/XXXX fnbo was removed after I disputed it on XX/XX/XXXX. Transunion has not even responded to me per the law you say you are required to follow from my initial dispute. Your only response was you removing the account. You are required to respond to me within XXXX of my disputed. I spoke to a few reps today XX/XX/2022 specifically XXXX XXXX and he stated that you guys added this acct per fdcpa but that law also states your required to respond to my dispute within 30 days. Why didnt you? So that means you as the entity agreed w me the original creditor that this account is unverifiable. Later with it now being the XXXX of XXXX you re added this account back 2 business days later. What changed from then to now. 

With you removing this from my account you admitted to this law by removing it which basically means XXXX didnt verify this per law. 
So what made you add this back? 
How you verify it? 
XXXX and XXXX wasnt able to verify it so how were you? 

This abusive act has cause me major financial distress and this is against my individual right to privacy This agency is in violation of 15 USC 1692 ( g ). They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 XXXX and the Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

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 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion already agreed to this acct erroneous and inaccurate here proof. These accounts are not mine, they are inaccurate, unverified and unauthorized. ( Exhibit A ) XX/XX/XXXX fnbo was removed after I disputed it on XX/XX/XXXX. Transunion has not even responded to me per the law you say you are required to follow from my initial dispute. Your only response was you removing the account. You are required to respond to me within XXXX of my disputed. I spoke to a few reps today XX/XX/2022 specifically XXXX XXXX and he stated that you guys added this acct per fdcpa but that law also states your required to respond to my dispute within 30 days. Why didnt you? So that means you as the entity agreed XXXX me the original creditor that this account is unverifiable. Later with it now being the XXXX of XXXX you re added this account back 2 business days later. What changed from then to now. 

With you removing this from my account you admitted to this law by removing it which basically means XXXX didnt verify this per law. 
So what made you add this back? 
How you verify it? 
XXXX and XXXX wasnt able to verify it so how were you? 

This abusive act has cause me major financial distress and this is against my individual right to privacy This agency is in violation of 15 USC 1692 ( g ). They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 XXXX and the Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

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 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi Cards has violated my federal consumer rights. Pursuant to 15 USC 1692b ( 5 ) - XXXX of location information ( 5 ) " not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; '' They have communicated to anyone who saw this mailing they are in the debt collection business. Pursuant to 15 USC 1692d ( 1 ) -Harassment or abuse ( 1 ) " The use or XXXX  of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person. '' They have used repeated threats to ruin my reputation and creditworthiness. Furthermore they have also violated 15 USC 1692d ( 4 ) and have threatened to advertise the sale of my alleged debt to a third party to try to coerce payment from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Resurgent Capital Services L.P.
State: AE

Complaint narrative:
I have the same complain with XXXX XXXX Bank XXXX who allowed a thief to open an account in my name without verifying their credentials. They in turn sold the debt to LVNV Funding LLC who I contacted and explain that this debt wasnt mine and that I was a victim of identity theft. However, they have refused to remove it from my credit report nor have they even attempted to investigate my claims of fraud and just ignored me. They also are using out-sourcing call center to shield the parent company from complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-02-23 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX BANK Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # GWHZXXXX 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 2022-02-23 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX 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 XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXT XXXX Account XXXX XXXX, XXXX NM Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # GWHZXXXX 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 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transa

ction. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original a
pplication bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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