vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: MI

Complaint narrative:
Hello, I have been trying to resolve with XXXX XXXX XXXX ( loan has been transferred to XXXXXXXX XXXX XXXXXXXX as of XX/XX/XXXX ) disputed payments since the end of XXXX without success. 

I have written ( certified and email ) as well as called and talked to several representatives who were unable to provide information about records of payments made. I was unable to speak with the bankruptcy department since my bankruptcy has been discharged ( XX/XX/XXXX ). 

I have verification from my bank that all payments from XX/XX/XXXX - present day XXXX, have been satisfied, and I can provide proof upon request. Some files attached, can require more documentation if needed. 

My credit has taken a huge hit and I'm unable to refinance my home due this ongoing issue. Please help me resolve so I can move on. 

Thanks very much! 

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 2024-01-08 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: MI

Complaint narrative:
Hello, I have been trying to resolve with XXXX XXXX XXXX ( loan has been transferred to XXXXXXXX XXXX XXXXXXXX as of XX/XX/XXXX ) disputed payments since the end of XXXX without success. 

I have written ( certified and email ) as well as called and talked to several representatives who were unable to provide information about records of payments made. I was unable to speak with the bankruptcy department since my bankruptcy has been discharged ( XX/XX/XXXX ). 

I have verification from my bank that all payments from XX/XX/XXXX - present day XXXX, have been satisfied, and I can provide proof upon request. Some files attached, can require more documentation if needed. 

My credit has taken a huge hit and I'm unable to refinance my home due this ongoing issue. Please help me resolve so I can move on. 

Thanks very much! 

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a good credit score and a good history and every time i try to apply for a card they deny me and they even say they dont know why is that cuz i have everything in good standing

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 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am trying to set up some systems with my mortgage holder, XXXX. They bought my mortgage from XXXX XXXX in mid XXXX, and since then I have been unable to contact them. Their phone number is incorrect and results in a failed call. They also claim I have an outstanding debt on my mortgage which I don't ( and never have ). They do not answer emails, and the live chat disconnects you after a few moments. 

I have read other reports that they change aspects of the loan agreement without contacting the client. 

There is something XXXX  wrong with this company, and as they can not be contacted, this is a disaster waiting to happen. 

Please, please look into this. This is a high stress situation for something as simple as paying for a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CT

Complaint narrative:
I opened an account with PNC bank on XXXX XXXX. The process said that it could take up to 15 days for funds to be available after they were deposited. Fine. I made 4 deposits : One on XX/XX/XXXX, XXXX on one XX/XX/XXXX, XXXX, one on XX/XX/XXXX XXXX and one on XX/XX/XXXX, totalling $ XXXX. PNC put holds on each of the deposits, and I had to call customer service EVERY time I tried to deposit money to remove the holds. Customer service told me it was because I was trying to use the account before it was 30 days old. Annoying, but whatever. 

Then, this past weekend, XX/XX/XXXXXXXX I could no longer access my account at all. It says the " service is unavailable '' whenever I try to log in. I called customer service and was told my account access had been " revoked '' and was " under review '' and could be for up to THIRTY days. At no point was I contacted or warned that this could or would be happening. I received no communications from PNC. No fraud alerts or anything like that. Customer service insists that my account is still open, but says they have revoked access, so I have no way to see, verify, or use any of my funds for THIRTY days. They refused to let me speak to their escalation department because the representative said there was nothing the escalation department could do to help me remove my account from review. All I can do is wait 30 days and hope my money is still there at the end. That feels like fraudulent and unethical behavior. 

This experience has been SO bad that my husband and I are in the process of closing our other account there. Based on my experience so far, I don't recommend anyone use this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I had no late payments with these accounts. 

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 2024-01-08 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had no late payments with these accounts. 

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 2024-01-08 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: WA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Just like other negative records, XXXX XXXX XXXX should be scheduled to be automatically removed, or purged, from our credit reports after a specific time-period. 
Furthermore, for a XXXX XXXX XXXX case, the time frame is seven years after you file for bankruptcy. That means you can expect the record to be removed from your credit reports at the seven-year mark without any effort on your part. My bankruptcy was actually dismissed on XX/XX/2017, not XX/XX/2017. 
Ive already challenged this with XXXX and, thankfully they recently removed this item. 
Please delete this item ASAP : XXXX XXXX XXXX Dismissed Dismissed XX/XX/2017 XX/XX/2017 XXXX XXXX XX/XX/2017 XX/XX/2017 Thank you in advance for your assistance with this matter.

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 2024-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I passed d my mortgage in full however I used 2 bank accounts to Amerihome mortgage. The automated system took the first payment of {$500.00} from XXXX XXXX XXXX. I made the remainder of $ XXXX from XXXX XXXX. Later on I was told they dont accept partial payments in the future. I was told to request a work order to fix the problem and they still havent done it. Ive phone 6 times to hear the recap over and over, left on hold to only be disconnected. I even sent a request to their website for assistance to no avail.

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 2024-01-08 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: PA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-08 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: MA

Complaint narrative:
This company is trying to collect a debt that was NOT validated upon request by Citibank. 
Citibank then sold the " uncollectable '' debt to this collector. By virtue of laws and statutes, the failed validation by Citibank carries for the debt itself, and is DOES NOT become collectable because is was sold or purchased by a third party debt collector. The debt is still uncollectable, may not be reported, and is no longer subject to litigation by Federal laws. This company has been noticed and given XXXX hours to remove any and all derogatory information from reported trade lines. failure to do so will lead to litigation by myself, the claimant, against the collector and Citibank. 

Under the guidelines and Federal laws supporting validation of debts, and the companies failure to meet the standards, I demand the derogatory information be removed with prejudice.

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 2024-01-08 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ) Congress has determined that " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Experian is a reporting agency and I am the consumer, it is my right as a Consumer to ensure that my private information isn't shared. 
My right to protect my privacy is upheld by Congress under 15 USC 6801 which states clearly, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Experian does not have any written instructions from me nor do they have my expressed written consent to furnish my consumer report.

15 USC 1681C ( a ) ( 5 ) states that except as authorized under subsection ( b ), 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. Experian continues to report a bankruptcy on my credit report this bankruptcy is an adverse item which they continue to report without my permission and in spite of being receiving a letter from the clerk of court that states the court does not report to the credit reporting agencies which is against the law.

15 U.S. Code 1681 s-2 ( A ) ( 1 ) states clearly that " 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 '' 15 U.S. Code 1681 ( e ) ( a ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures.

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 2024-01-08 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: MD

Complaint narrative:
I reached out, via certified mail to the credit bureau, on XXXX and XXXX, regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within four days of receiving the necessary documentation from the consumer. Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. Collins v. Experian Credit Reporting Serv.. This block must be implemented within four days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. Osada v. Experian Info. Solutions, Inc.. If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA XXXX v. Experian Info. Solutions Inc..

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 2024-01-08 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: GA

Complaint narrative:
I am not liable for this debt with charge off, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. This account is on my credit report for more than 7 years and 3 month. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2024-01-08 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:
I am not liable for this debt with charge off, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. This account is on my credit report for more than 7 years and 3 month. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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