vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
I have been contacting XXXX, XXXX, and Experian for the last several months about inaccuracies and fraudulent information on my credit report. I have tried sending certified letters to the po box es that are listed on their websites, I have tried disputing online and I have also tried calling them about these issues with little to no results. I have submitted a copy of my fraud report but XXXX in particular are not cooperating and is insisting that they have not received any of my complaints or documentation. 

According to the FCRA and FDCPA several of my rights have been violated. 1. section 623 crushman vs transunion and 806 B of the FDCPA says that items that were already deleted have been re posted to my account without contacting me within 5 days. 2. Section 611 A1 is a violation in which the creditors did not report that this information was under dispute to the creditors reporting the debt. 3. section 604 A3 is a violation due to the inquiries that were placed on my account without my permission or knowledge. 4. Section 603 and section 605 indicate that the information being reported on my report must be 100 % accurate or it must be deleted. some of the accounts have been updated as closed but they have not been deleted which is a violation of my rights. 

The creditors in question are : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX auto fiancing, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX The collection accounts that are not accurate are XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX 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 2022-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I reached Experian by phone last week and spoke with an agent of their company. I got an email from Experian stating See Results of Disputes I had submitted. From that email and report, you can not see what decisions were made if any. I tried the same phone number and 3 others to reach Experian, none will now lead me to a live agent. I tried resolving this by logging into my Experian account, and received a message saying we are having difficulties. I want my credit report fixed, and I want a LIVE PERSON to speak with 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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax will not Delete the fraud credit cards from my credit report as i am the victim of identity theft I have sent them certified letters and they still will not delete them from my credit report i have sent the letters from the FTC.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
CFPB letter mortgage complaint Bait and switch by mortgage lender. Flagstar lender said loan modification was approved in XX/XX/2022 and I was in hospital and ill all month with second XXXX XXXX and missed XXXX  XXXX mail with deadline of ( 10 days ) to sign in XX/XX/2022 and when I found XXXX  XXXX upon return to home, I called Flagstar and they said they would redo mod and for me to wait and watch for new XXXX  XXXX package coming soon in XX/XX/2022 for signing and I return my agreed to XXXX XXXX mail signed loan modification docs asap time is and was critical and I accepted on the phone and thanked representative XXXX in loan modification escalations at Flagstar for finally after 4 years of being dragged through the mud they approved and accepted my mod and I mutually agreed and accepted with my attorney realtor on third party conference call and my wife with me on the phone. Two weeks went by and I called to ask where was my package. They said that they could not do it again and they changed their mind. They never called back. Nice of them to lie. They wasted all this time I have no money and nowhere to go. They did not keep their word. I have since been waiting again for a response they are no where in sight. I call almost every day and get lip service. I have notified FHA too. I kept my word throughout the entire process!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Remove this Fraudulent account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed with the attorney generals office. 

1. remove the XXXX XXXX XXXX account as this was previously investigated and removed. If you XXXX determined this account to be fraudulenty added to my report why is it now back on the report. This is a violation and illegal attempt to cause harm. I demand monetary compensation of {$1000.00} for each violation. 

XXXX has neglected to respond within a timely manner to provide verification on this account. Please remove this XXXX XXXX XXXX ( fraud ) account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America said they not going to pay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NH

Complaint narrative:
HSBC froze my assets without notifying me and this resulted in returned payments for my mortgage ( XXXX Bank ), credit cards ( XXXX XXXX and XXXX ), auto loan ( XXXX XXXX XXXX ), and electric utility ( XXXX ). I was unable to access my funds held by HSBC. 

When the payments were first returned, I was assured it was an error and that all automatic payments would go through without delay. Nevertheless, additional payments were returned. HSBC later informed me that HSBC provided incorrect information and that all payments would be returned. 

At no time did HSBC acknowledge the issue and instead dismissed me suggesting I should have simply used other bank accounts to pay my monthly bills. My entire paycheck is deposited with HSBC, and I had no other account or funds available. HSBC had no problem holding onto my paychecks during this incident. 

Altogether, I received late fees and interest charges amounting to several XXXX dollars. This could have been avoided if HSBC proactively communicated about the potential fraud issue rather than waiting for me to contact them after returning my automatic payments. 

Several HSBC representatives confirmed that I would be reimbursed and would receive a call back. I never received a call back. 

I placed another call today and the representative said I would not be reimbursed and should instead work with the merchants directly. The merchants have declined to assist and instructed me to work with HSBC as it was HSBC 's fault and HSBC should be held accountable. 

I have spent more than XXXX hours on the telephone with HSBC and the impacted merchants to resolve this issue with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: FL

Complaint narrative:
I have received a letter from CBHV stating that I owe XXXX in an XXXX bill. I never in my life lived at the address I dont live in XXXX and never took out service in XXXX XXXX I take this matter very seriously and need this resolved ASAP. Also show me proof that I opened this account I have never in my life did any business with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: IN

Complaint narrative:
I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much XXXX  and XXXX stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in 2019 in XXXX my acct was brought out but XXXX for me to come over on the deal they had and gave them the info to pay and never was paid and now charging 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 non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I pulled my credit in the beginning of XX/XX/XXXX. I noticed a debt of {$1000.00}. ARS resolution trying to collect. On XX/XX/XXXX, I sent a letter to ARS account Resolution asking them to validate this debt by providing contract bearing my personal signature as well as procedures of service provided. On XX/XX/XXXX ARS resolution sent a letter that state the debt owe with no validation. On XX/XX/XXXX, I sent another letter : Failure to validate the debt- I receive a copy of the same previous letter. ARS resolution failed to validate the debt. 

I am asking for Validation, not Verification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have 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- States 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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have 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- States 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXXXXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: NJ

Complaint narrative:
On XXXX/XXXX/2022, I wrote Equifax and told them my father, and I have the same name and attached a copy of my ID and social security card to support the request that my name ONLY show on the report as XXXX XXXX XXXX. Here is the report sent to me where they asked me for the information already provided. I have very little confidence in their taking my concerns seriously! If my dad and I have the same name, what steps did they take to ensure that the inquiries were mine and not his? My guess is about as much effort as they put into seeing that I had already included the exact information they asked for and used not having it as justification to keep my report inaccurate and mix up my data with someone else 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have endorsed this debt with Bank of America and then also disputed this debt multiple times with XXXX XXXX XXXX, yet they keep sending me harassment letters containing my private information that was sold to them by BofA XXXX. I will be filing XXXX complaints. I endorsed the credit card on XX/XX/2022 with certified mail article number XXXX XXXX XXXX XXXX XXXX sent Bank of America an endorsement where I sent payment in accordance with UCC 3-601/3-111 in the form of remittance or coupon payment. I also stated that the account be closed and no longer reported to any credit agencies. I know that it was received and signed for by XXXX XXXX on XX/XX/2022 due to the certified mail receipt I received. This can be tracked with the certified article number XXXX XXXX XXXX XXXX XXXX. 

Now there is a law firm XXXX XXXX XXXX XXXX ) writing me a letter with statements attached, and I did not request any details or account history, nor would any of this information matter. There is no original contract. No verification pursuant 15 USC 1692g I do not see any signed contract by me with my signed obligation that I would pay this debt. Statements are not a validation of debt. Pursuant 1692g ( d ) you must provide the original Contract. If you can send me the trilateral contract that I signed, not the copies, but the original contract, which I know you can not, because I know I did not sign one.

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