vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently checked my credit file and my XXXX XXXX and discovered several new alarming things. 1st a new collection was added to 2 credit reporting agency reports that I have never heard of for an XXXX XXXX XXXX account that I never opened. Next there are dozens of random inquiries on my credit file with Trans Union, XXXX and XXXX. 
XXXX and Trans Union have Fraud warning on my reports that I need to be contacted and I was not in regards to these inquiries. 
Next I went to open a new checking account and discovered that all the same places that were on Trans Union, XXXX and XXXX were on my XXXX XXXX and I wasn't looking for any banking account needs until XX/XX/XXXX. All the other activites have been outside that date several XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX {$180.00} that I have reported to the police and is enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
I was notified by the credit bureaus in XXXX, that Source Receivables Management placed a collection on my account. My report, says the collection was opened in XXXX of XXXX. I never received a letter from this agency saying my account will go into collections! That's a violation and I'm willing to take action. If I received the letter I would have disputed these false charges. This agency says this has been in the collection for over a year with payments made and that's a lie. I have not once made any payments. This company has failed to furnish any proof of charges such as an itemized bill to show me exactly where the charges are coming from. XXXX does not allow you to port out your phone number unless your account is in good standing. ( please review the company 's policy ). XXXX also refunded me multiple times due to issues on their end. Any charges on that account do not belong to me and XXXX needs to go over that account AGAIN! Through certification, I will be sending Source Receivables Management a debt validation letter that needs to be returned within 30 days. I need itemized bills and proof a letter was sent out and that I received the letter. I have not received any letter! This agency also claimed I made a payment to the collection agency and that claim is false! I've asked XXXX for proof of charges and they have yet to send me an itemized bill. Showing an amount is not proof of charges and does not verify any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I was denied housing and will now be homeless due to a collection account placed on my credit report. I attempted to contact XXXX XXXXXXXX XXXX  whom informed me that had no record of the account in collection. I was then told to contact XXXX XXXX XXXX who then informed me that the account was currently with a low firm. I explained to them account was paid in full with the law firm and needed a letter to verify the debt was paid to secure a place to live. Midland credit company was an unable to provide me a letter stating that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: IL

Complaint narrative:
My credit report is showing violations. The listed rights below show the violations that were made against me. The first company that violated me was XXXX Bank and the XXXX company that violated my rights was credit XXXX XXXX  aka XXXX XXXX, the following laws were violated by both companies : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX credit account XXXX XXXXXXXX and 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items, of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-05-11 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: NY

Complaint narrative:
Transunion is showing a fraudulent account on credit report which is illegal also allowing for business records to be falsified a fraudulent name was added to my credit profile without my knowledge or notification account should be deleted immediately as it is 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 non-monetary relief
Consumer complaint received 2023-05-11 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: FL

Complaint narrative:
A loan for a vehicle has appeared on my credit. The company name is XXXX XXXX XXXX XXXX they are located XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX. 
I have contacted the funding department at the number listed. This company does not have my name, social security number or address on file. But Experian has managed to changed my personal information on my credit report as well added this account to it. I again reached out to XXXX XXXX XXXX and spoke to a lady XXXX XXXX XXXX number above. She managed to help me when I gave her the address that Experian had updated on my credit report ( which I don't know how they did that with out documentation ). When she pulled up the account under the address of XXXX XXXX XXXX XXXX, FL XXXX. She realized that my information was not in that account. XXXX XXXX XXXX has sent a request to Experian stating this account is not mine. But Experian still yet has not removed this account from my credit report. I have sent Experian documentation of my identity. I have also requested them to send me documents of what they have on this loan. Again no response. I am emotionally distress with this situation. I am needing help to solve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The 3 credit bureaus are reporting my account incorrectly, It shows a past due balance and a charge off. I have asked them over and over to remove this account but no progress yet. XXXX, XXXX and XXXX claim that the debt has been verified and that it beongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Hello, our names are XXXX XXXX XXXX and XXXX XXXX. 
We are placing this complaint because we are having some issues with our mortgage bank ( SHELLPOINT MORTGAGE SERVICING ). Its about an imposed charge for extra coverage on our escrow account. That had happened last year with the amount of XXXX $ ( see attached table on XX/XX/XXXX ) ; that was then when everything started. We received some letters regarding our propertys hazard insurance. We took the letters to our insurance agent ( XXXX XXXX XXXX, XXXX, his name is XXXX XXXX. At that time, we were able to provide them with the master policy from the townhouse retroactively for 4 years ( XXXX, XXXX, XXXX, XXXX ) because they were charging us for all these years backwards.They reviewed and recalculated my escrow accordingly by XX/XX/XXXX ( see attached table ). The thing is that when we thought that everything was resolved, they started again in XXXX, XXXX. They sent us another letter. This time they were requesting an HO6 for extra coverage ; and again, they wanted it retroactively up to XXXX, XXXX, XXXX. We sent them a policy we bought through our insurance agent ( XXXX XXXX ). At first, they didnt want to include it on my escrow, so they didnt accept it on XXXX, XXXX when I sent it. Later, they accepted it, but it was too late because, once again, they bought an insurance and disbursed $ XXXX on XXXX XX/XX/XXXX and {$330.00} on XX/XX/XXXX respectively. As you can see on the attached table on XX/XX/XXXX, we sent our policy through our agent and this time it was accepted. We called several times spending so much valuable time over the phone without success. They said they are NOT going to reimburse ( XXXX $ ) that money back into our escrow because they are arguing that they had sent me letters regarding that issue in the past, which is not true. By the way, that was the very first time they requested that type of insurance ( HO6 ) because the previous times they were referring to the hazard insurance ; and we accordingly took care of that. My agent, XXXX keeps in records all the letters. 
Here, I am attaching this table so that you can better understand our request. Please, advise I am really disappointed with this Bank. I really want to solve this issue because it is so unfair. This is a mess! They have just Increased our mortgage payment by more than {$400.00} a month until XXXX because the escrow account is in negative balance for up to {$4000.00}. Please, take your time to review this for us because we are done dealing with this bank. Please, advise Thank you in advance. 
Best Regards, XXXX XXXX. 
XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: OH

Complaint narrative:
i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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. the accounts i am talking about are listed below : Delete all accounts immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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. the accounts i am talking about are listed below : Delete all accounts immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NY

Complaint narrative:
My name Is XXXX XXXX. I have filed for a XXXX rehabilitation program and completed the program. According to the agreement, they were suppose to remove every derogatory and negative items on my reports for that account. I have submitted the information to XXXX and they honored it and removed it but Transunion is failing to do the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have recently notified equifax that I have been the victim of identity theft I have items on my report that I have reported numerous times that should have been removed from my consumer report These items been reported inaccurately are causing sever emotional distress as well as financial setback due impart I can not obtain access to XXXX  Please remove all old address and make sure all current information is accurate Please comply with my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I went to purchase a specific XXXX Travel trailer  model XXXX. I used the suggested dealers bank to apply for a loan that was approved for the financed amount. On this day, I signed the purchase and loan agreement and took the travel trailer home. Come to find out, the travel trailer is a XXXX. I specifically wanted a XXXX or older due to the manufacturing and quality issued that were resulted form XXXX. The Bank funded the dealer for a travel trailer that I didn't sign for. I signed for a XXXX model and receive a XXXX. I tried to return the travel trailer and the dealer will not accept it and as a result, I will also file a complaint with the Federal Trade Commission. In the mean time, I have a loan under my name that I did not sign a loan for. I contacted the bank to advise them that they funded a loan without having a legal documented agreement and they said there's nothing we can do. I have tried to resolve an issue that the bank has created by not verifying the asset 's manufacture date and I have exhausted my avenues. I need the governments help with this case. I will attached the purchase and loan agreement as well as my communication with the dealer and bank that also mentions that this travel trailer is not functional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
My robinhood account was compromised/card. They stole over {$3400.00} in funds. Robinhood only puts a measly {$13.00}. Credit in my account. But denied the rest of the same fraudulent claims that happened on the sameday. My car insurance canceled because they money I thought I was getting back robinhood failed me. Now iam facing eviction because of robinhood lack of concern or care. No CS agent can't explain how one charge was found. As fraud but not the rest that occurred on the same day. This is in totally violation of the consumer protection laws. In violation or Regulations E ... .at this time I would like my funds released to me. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: TX

Complaint narrative:
I borrowed {$55000.00} from BHG as a debt consolidation. I used the funds to pay off the pool installation, my daughter 's wedding, and several credit cards with high interest rates ( 20+ % ). I have been paying on the loan since XXXX of 2020. I do not get regular notices. There is a monthly draft for almost {$1000.00}. The interest rate is about 12 %. I reached out to BHG to see what my balance was. I was told {$54000.00}. That was only a drop of a few XXXX dollar after sending them over {$27000.00} in payments. That's when I found out that they had added an additional {$8500.00} in " fees '' and " insurance '' that I had not been told about. I will be paying them for much longer than I expected. They said " You can refinance after 4 years. '' Why would I finance anything with a company that adds such high fees without telling me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
I have a XXXX XXXX XXXX, issued by Comenity Bank, N.A. The account was initially opened with XXXX XXXX  XXXX, which sold it to Comenity in late XXXX. The first transaction with Comenity was on XX/XX/XXXX and there were 69 total transactions, with the last transaction on XX/XX/XXXX. 
I was making a payment online on XX/XX/XXXX and I discovered that there was no available credit. My limit is {$1200.00} and my statement balance at that time was {$220.00}. I made a payment of {$110.00}, then sent a message through the secure message portal asking for information as to why I had no available credit. 
I received a message back on XX/XX/XXXX requesting that I call the account security department. I was referred to a supervisor who told me that the account was closed because XXXX had no physical address on file. She told me that my account would be reopened with XXXX hours. 
On Tuesday, XX/XX/XXXX, the account was still closed. I sent another message through the secure portal asking for a status update. I received a response on XX/XX/XXXX that the account was permanently closed due to security concerns. 
On XX/XX/XXXX, I called the company and spoke with XXXX XXXX who told me the same thing. He stated that due to the Patriot Act, my account was permanently closed. He also stated that he could not share what the security concerns were. He said I was welcome to pay off the balance and re-apply in 30 days. He showed no empathy, seemed to be impatient with me and periodically spoke over me while I was talking. 
I find it disturbing that an account can be closed through no fault of the account holder. I held this account for 15 months and Comenity was more than happy to take my money over that time. When there was an issue, there was no communication with me directly through the mail, a phone call or a message in the secure message portal associated with my account. I also am very concerned as to the possible repercussions to my good to excellent credit score. 
I look forward to your response.

Company response to consumer: Closed with non-monetary relief