vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: TX

Complaint narrative:
XXXX XXXX XXXX : XXXX, Is very unprofessional hes been sharing personal information with builders without my knowledge or permission he doesnt want to send me a cancellation letter stating that I no longer wants to go thru with the deal that he was offering his trying to get me to pay for appraisal and credit repair that he didnt tell me about before working with him he also send information to XXXX XXXX stating that I close on XX/XX/27 and I never sign or agreed to nothing hes claimed

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 2023-03-30 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: OH

Complaint narrative:
Delete these accounts immediately

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 2023-03-30 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: OH

Complaint narrative:
Delete these accounts immediately

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 2023-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Clasp Group, Inc.
State: CA

Complaint narrative:
I attended XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. I began the course XXXX XXXX. I agreed to take this course because they offered a XXXX program option. This option gives you the opportunity to take the course up front with no cost and you pay the loan back as soon as you secure a job. The repayment amount is capped at a certain amount and you don't pay until you have the income to pay back the loan. This option was very beneficial to me because I didn't want to get any more student loan debt. 
During the course, I began to have housing issues which started to affect my attendance and school work. So after speaking with my counselors, I agreed to request a leave of absence. By accepting, I would be allowed to return to class within a year. I made this request in XXXX of XXXX. 
I reached out to XXXX ( enrollment counselor ) from XXXX through email in XXXX of XXXX ( within the time allotted ). Another representative from XXXX XXXX called and informed me that the XXXX program ( XXXX ) was cancelled and the only way that I can continue the program, I had to get a traditional loan, they wouldn't cover the complete cost just a portion. This was devastating because the XXXX option was the part of the motivation for me taking the program. Then to add insult to injury, XXXX failed to inform in advance of the cancellation prior to my attempt to re-enroll. So now I have to pay back this loan and I still haven't completed the course. When I expressed my frustration to XXXX XXXX, they just brushed me off and lied and said that someone would look into the matter, but no one ever reached out to me again. 
XXXX XXXX XXXX servicer was XXXX but it was later transferred to Stride. My current payment is due XX/XX/XXXX. I have attached the documents containing the proof of allegation made in this complaint.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am flabbergasted how a debt collection company dares to report a ridiculous amount to my credit reporting agency without having any contract nor any document that could validate such debt.

I had no debt to such creditor. The debt collection agency has reported this false collection amount fraudulently without following their legal steps. The debt collection agency is just trying to bother me by reporting a false claim instead of contacting and presenting documents to validate the debt.

Furthermore, the collection agency is being unresponsive and abusing the credit reporting agency for their own wrong doing.

I have no contract and no such proven debt. Due to lack of any validation of this debt the collection agency needs to be penalized not following Debt Collection ACT rules and regulations. 
On another note the amount of {$64.00} is

such a ridiculous amount that is another proof to my claim that the reporting agency is being abusive.

I need this falsely reported amount removed from my credit reporting and I definitely want federal support against such abusive unlawful practices conducted just to bully customer instead of conveying through competent legal system.

my contact number is XXXX should you need any further verification. 
The name of the collection agency is " COLUMBIA DEBT RECOVERY '' and their contact number is : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consums rights to privacy and confidentiality under 15 USC 1681 XXXX County Child SU # XXXX, XXXX County Child SU # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

1 5 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 follo wing 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 1 5 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 2023-03-30 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: CA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete them immediately in my report : XXXX XXXX  XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please remove this ASAP. 

Also this other account, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please delete.

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 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I.C Systems I have sent more than one letter to this company asking them to 1- Stop contacting me 2- to remove their reporting off my credit report as I have asked to be Opt-out Of their reporting. in15 US Code 6802. Obligations with respect to disclosures of personal information I have also stated that they have obtained my personal information and is reporting it to my credit file which I have Not given them permission to do so. This Account was REMOVED from my credit file 3-4years ago and now it has been placed back on my credit file Wrongfully. I Have also put in more than one dispute with this company. This company has a collection on my account that is not my own debt. I have asked this company to provide proof of such debt Not an Invoice but a copy of contract with both parties wet ink signatures stating I ( XXXX XXXX ) agreed to the amount in question and such documents can not be provided. I wish this debt to be removed immediately, I am also requesting to be compensated for this inconvenience this has caused me and affected my credit file. The fact that my written letters were being ignored, and that I have asked to be opt-out, also this company was removed for wrongful reporting in the past but decided to report again. I also want this company to NEVER report every again to my credit profile, I want to be Opt-Out For life from them reporting to Any credit profile of mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX av XXXX, NY XXXX XXXX Account XXXXXXXX Bank of America  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiryon my XXXX, XXXX and XXXX ) credit report . My latest credit report sh

ows 1 credit inquiry that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, 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 2023-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I have been trying to close my deceased mothers account I have visited 3 times and called once. Each time I am told a different set of requirements. I have submitted death certificate and order from the probate court. To no avail. It appears to me they are purposefully making difficult to close this account to keep account at a very low rate. .05 %. Feel unfair.

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 2023-03-30 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX : {$440.00} XXXX XXXX XXXX XXXX XXXX {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX 2023 I made a purchase of {$390.00} for an item I never received ( XXXX XXXX XXXX XXXX ) on my XXXX  citi visa signature credit card. Company name was XXXX XXXX XXXX XXXX. Now the web site they were selling on doesn't seem to exist. 

I filed a dispute as soon as I checked up on the " shipping link '' they sent which was a dead link and they had a european address and I could not contact anyone. Until this day I have never received anything. 

Today I received a message from my credit card citi bank that my dispute was denied and Im losing the {$390.00}. 

What can we do?

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 monetary relief
Consumer complaint received 2023-03-30 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My credit card company I have had for over 5 years have decreased my balance from XXXX to XXXX without notifying me. 

Upon research I found out it might because of missed payments which I did not miss any. I have proof that I have made my payments on time but they have been returned by the financial institution I was using which is a different bank that did not recognize the transaction. 

I called customer service, explained the situation, had them notating in the account and they still lowered my balance without warning or notification. 

When I called to ask why my available balance was only {$800.00} after I had basically payed off my {$1500.00} balance customer service said they sent me a letter with the reasons, letter I have not even received yet. 

I have to say learning about credit cards and credit score has been a journey. This is something that is not taught in school and one have to learn the ropes by ourselves. I have been studying and learning how to properly utilize my credit cards and now that I am paying my balance off they decide to lower my limit.

This actions not only affect me in my credit score and profile also affect me in the future plans I have of being a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: CA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Open : XX/XX/16 Balance : {$0.00}. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valor Intelligent Processing, LLC
State: SC

Complaint narrative:
XXXX has been irresponsible transferring my cell phone account to debt collectors that don't provide excellent service to my cell phone account. 

XX/XX/2022, I transferred my cell phone number from XXXX to XXXX. 

Doing transfer process, I was waiting for XXXX to help pay for the transfer from XXXX. 

I was making payments on my XXXX account until I receive T-Mobile compensation to help pay on my account. 

Instead of XXXX keeping my account, they transferred over to a debt collector that was unprofessional in handling my account. 

2 months later, XXXX put my cell phone account on my credit report which was {$280.00}. 

XX/XX/2022, debt collector, handling my account, tell me I owe {$330.00}, but I told them that's not what I saw on my credit report, which was {$280.00}. 

They told me it was their added on fee, I didn't pay because XXXX did not warn me it was sending my cell phone account to a debt collector. 

Fall of 2022, my cell phone account was transferred again to a different debt collector. 

This one is Valor Intelligent Processing , LLC. 

They send me two separate letters both saying I owe {$330.00}, which is unfair due to the way how XXXX and these two debt collectors handle my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: CA

Complaint narrative:
On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-03-30 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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