vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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: CT

Complaint narrative:
XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX CAP XXXX NA XX/XX/XXXX CAP XXXX NA XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 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: NC

Complaint narrative:
XXXX Last reported XX/XX/XXXX {$460.00} Reported balance -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Last reported XX/XX/XXXX {$1900.00} Reported balance -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Last reported XX/XX/XXXX {$830.00} Reported balance -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX ( XXXX ) XXXX Account status Closed Account paid for less than full balance Paid charge off Times XX/XX/XXXX days late XX/XX/XXXX owe {$0.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ( XXXX ) XXXX Account status Closed {$4900.00} XXXX Closed XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX ( XXXX XXXX XXXX amount {$3300.00} Account closed by credit grantor Closed XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Amount {$1700.00} XX/XX/XXXX Account closed by credit grantor Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX MAIL ONLY = -- -- XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ) XXXX Account closed by credit grantor Amount {$270.00} XX/XX/XXXX ( XXXX yrs, XXXX mos )

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
The company is XXXX XXXX . For months the bank has not reported that I paid this account off. When contacted, they said they held on to the payment without posting it because they do that when there is more than one payment in a period. What is the reason for that? I told them what a hassle they have caused because on a {$300.00} credit limit, a {$290.00} outstanding balance ( false balance ) shows on XXXX that my one credit line is 95 % utilized, thus a negative! A huge negative for someone who needs assistance on her credit score. I asked the company to re-run it or report the accurate information. They did not. Another month has gone by. Now I have to wait 24 days for the inaccurate information to be taken off the XXXX report. I need this company to understand they ruin lives, they dont help lives. Inaccurate reporting hurts consumers and they are not compelled to report accurately.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
The company is XXXX XXXX XXXX For months the bank has not reported that I paid this account off. When contacted, they said they held on to the payment without posting it because they do that when there is more than one payment in a period. What is the reason for that? I told them what a hassle they have caused because on a {$300.00} credit limit, a {$290.00} outstanding balance ( false balance ) shows on Equifax that my one credit line is 95 % utilized, thus a negative! A huge negative for someone who needs assistance on her credit score. I asked the company to re-run it or report the accurate information. They did not. Another month has gone by. Now I have to wait 24 days for the inaccurate information to be taken off the Equifax report. I need this company to understand they ruin lives, they dont help lives. Inaccurate reporting hurts consumers and they are not compelled to report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: NY

Complaint narrative:
The three reporting agencies : XXXX, Equifax XXXX XXXX was contacted, by the creditor, XXXX to delete my hard inquiry. This was done On XXXX XXXX, 2023 to all repositories to have the hard inquiry removed. The process requires letters to be sent via USPS to the addresses provided by the repositories which are po box es. The creditor acted in good faith to remove the hard inquiry, as it was an erroneous authorization.

I have followed up with each of the Reporting Agencies that were given the letters to get a status. I am unable to get a follow up. The customer service agents are not providing direction, instead I am getting the same dispute letter. No action taken. I am asking CFPB to notify the agencies to follow up the request provide by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: LEXISNEXIS
State: FL

Complaint narrative:
I received a letter from my homeowners insurance dated XX/XX/XXXX, " XXXX XXXX '', stating that an insurance score was received by LexisNexis Risk Solutions XXXX Inc., which has affected my insurance score. On XX/XX/XXXX, I submitted a letter by certified return receipt to LexisNexis Risk Solutions requesting a copy of my FREE report. After making a phone call to LexisNexis in XX/XX/XXXX, I finally received my report dated XX/XX/XXXX two months shy of ONE YEAR of requesting this report. Once I reviewed this report, I noticed that the most of the information UNDER my NAME belonged to my DECEASED FATHER. I have disputed all these errors with proof of identity multiple times via certified mail and LexisNexis STILL HAS NOT CORRECTED MY REPORT deleting ALL my DECEASED FATHER 's information and my mother 's information from my report. My next step will be filing a lawsuit. This inaccurate report has cause hardship, pain and anguish, as well as, so much time spent in the attempt to resolve this issue. LexisNexis reporting practice is a Violation of the FCRA. 

LEXISNEXIS 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 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 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 non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
Due to several circumstances, I fell behind on the mortgage. This house is contained in an Illinois XXXX XXXX in order to protect my family from a XXXX XXXX. Midland instructed me to fill out paperwork for a loan modification. I duly complied, and sent Midland the requested paperwork. Midland responded by REFUSING to modify the loan unless the trust quit-claimed the deed into my name. 

This was a problem in XX/XX/XXXX, and CFPB helped me. See case XXXX. At that time I hired an attorney, spending money to do so. She thoroughly investigated the law, and verified that HUD has no such requirement for a quit-claim deed. 

-- -- -- Specifically she cited XXXX XXXX and noted that no title requirement exists that requires me to quit-claim the house out of the trust and expose my family information to a XXXX XXXX XXXX I gave my attorney formal permission to discuss with Midland, and she wrote Midland an explanatory letter on XX/XX/XXXX, including along with that letter copies of the documents that proved that there was no legal requirement, and that the collateral assignment of beneficial interest had been duly executed. My attorney even offered in writing in the letter to execute a second collateral assignment of beneficial interest that specifically named Midland. At that time Midland did execute the modification without forcing me to endanger my family by doing this title assignment. 

-- -- -- - Today, XX/XX/XXXX, I spoke with " XXXX '', teller number XXXX, and she told me that Midland refuses to modify without the quitclaim deed, and said so AFTER reviewing the documentation from the previous incident. 

I am just a few days shy of XXXX XXXX XXXX, and being placed into this position is stressful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 This situation is placing me under stress and causing aggravation of my medical conditions. 

-- -- -- - I, XXXX XXXX XXXX, do on the pains and penalties of perjury as set forth in 28 USC 1746, do hereby swear and affirm that the facts above are true and complete and to the best of my knowledge. 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 explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I scheduled a credit card payment with my current bank ( XXXX XXXX  XXXX ). The credit was redirected to a closed account at Us Bank. This happened XX/XX/2023. Since I have contacted and spent several hours on the phone with US Bank trying to get the issue resolved. They issued a refund check but didnt verify my current address and sent the check to the wrong address this was back in early XXXX. Since then I keep getting told that a new checked has been approved to be issued. They still have not issued the check to the correct address and no one at US bank can give me anymore information. Also they have made zero effort to stay in communication with me or even get this situation resolved in a timely manner. Their supervisors have taken down my contact information but have not contacted me once. After speaking with them today XX/XX/2023 they havent even saved my contact information. The amount owed is {$2200.00}

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 2023-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Terrill Outsourcing Group
State: GA

Complaint narrative:
On XX/XX/2023, Superlative RM contacted me. There has been over 50 phone calls to my place of work as well. On one occasion I was repeatedly threatened with legal action while attempting to verify the alleged debt. On a separate occasion ( XX/XX/XXXX ) the associate I was attempting to speak with verbally yelled at me repeatedly and would not allow me to ask to verify the debt via writing. When I requested verification he continued to yell and refused to provide verification. They have harassed me both at work and my own business after Ive told them to cease and desist and they continue to contact me without verification of the allegations in writing. This has been ongoing for approximately a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I found out last Sunday, XX/XX/XXXX, that my credit rating had been lowered and I learned from the XXXX credit bureau that the agency FIRST FEDERAL CREDIT CON was collecting a debt I had never heard of before. I have never been contacted by a collection agency. How can I pay a debt if it has never been reported to me yet it appears it is not mine? 
I, therefore, request that it be immediately removed from my credit report and that a validation letter and verification of the alleged debt be provided, please. 
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 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/2023 I requested a ACH money transfer to a outside bank account but the money was never deposited into the outside bank account and every time I call about the transaction I am told that the money was transferred but my outside bank account said that they never received the ACH deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MT

Complaint narrative:
I had auto insurance with XXXX and moved to another state so had to change companies I called XXXX and cancelled all the policies I had ( 3 ) at one time and they didnt close one of them. They held it open and now claim I owe money I shouldnt owe I have tried to resolve this but XXXX is the only credit bureau that checked into it and removed the collection from my record the other two refuse to do anything about it. I attached a copy of my new policy showing the policy date in top left corner XXXX wont even tell me the date they stopped the policy

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. EXPERIAN is reporting late payments/utilization on multiple accounts : XXXX. XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and/or utilization is an experience created by credit usage . 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave EXPERIAN written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued function of the banking system. Nothing about the reporting of these late payments/UTILIZATION is accurate, and my privacy has been violated due to EXPERIAN violating my consumer rights by allowing these late payments/utilization to report to my consumer report!

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 2023-03-22 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: Telerecovery Corporation
State: LA

Complaint narrative:
This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent.

Telecovery is reporting I owe a debt of {$70.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.

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 2023-03-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, 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 an 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 explanation
Consumer complaint received 2023-03-22 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
I RECEIVED MY ANNUAL REPORT AND I AM EXTREMELY UPSET DUE TO IDENTITY THEFT THERE ARE A NUMBER OF THINGS REPORTING INCORRECTLY ON MY CREDIT REPORT. XXXX COLLECTIONS OPENED XXXX {$250.00} XXXX XXXX XXXX OPENED XXXX {$830.00}. INCORRECT S THESE ACCOUNTS WERE NOT MADE BY ME. PLEASE HAVE THEM REMOVED. THESE ADDRESSES ARE ALSO INCORRECT Addresses : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX AL, XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA , XXXX Address ID # XXXX Multifamily XXXX XXXXXXXX XXXX XXXX PA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX AL, XXXX Address ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XXXX Address ID # XXXX Single family XXXX XXXX  XXXX XXXX XXXX AL, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX AL, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX MA, XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Address ID # XXXX Single family

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a claim with Bank of America about a dispute for a charge in my VISA credit card that didn't have any support. I have submitted the documents to bank of America that shows that the charge was XXXX. Its was XXXX XXXX, and didn't have any specific description about the goods and/or services acquired. 
On XX/XX/2023, I received a letter from Bank of America that the Bank completed the research and have denied my claim. According to the Bank of America could be for extra miles, extra days, violations, refueling, and damages with a XXXX XXXX XXXX XXXX. 
But the Bank don't have clarity what about the specific charge is, because there are a wide and extensive range of items hat could be apply. 
I did the claim, because in my understanding the XXXX XXXX XXXX XXXXXXXX didn't specified the concept of the charge. 
The research and answer of Bank of America is very ambiguous.

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