vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
XXXX XXXX discriminate against people with XXXX income they denied my loan because my sister is listed as payee on benefits. This made me feel less fortunate and hopeless. They told me I need to remove my sister name from benefits to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have medical collection my credit that are not mine. I have not authorized it.

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 2023-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: TN

Complaint narrative:
I originally got a XXXX XXXX XXXX XXXX XXXX  XXXX XXXX '' for {$3000.00} around summer of XXXX, where I was to get {$1000.00} and the rest went into a savings account minus fees, for when the entire amount would be paid off, which was {$2600.00}. I got an email on XX/XX/XXXX stating that XXXX had gone out of business and sold the loan to SST Loans and everything was supposed to remain the same. On XX/XX/XXXX I went ahead and paid the loan off. However, in XX/XX/XXXX & XX/XX/XXXX SST Loans took a monthly payment of {$70.00} each out of my checking account with XXXX XXXX. When I contacted SST Loans about this they said they would reimburse me, that took at least five phone calls over a months time to get them to that point. As well as it also took them being contacted by XXXX Bank & the Better Business Bureau in order to get them to reimburse me the 2 {$70.00} payments that they took out of my account. After they reimbursed me for that, I called them about the savings account where they were supposed to reimburse me for the {$1600.00}, which they said they closed the savings account but would reopen it in order to reimburse me the {$1600.00} that they still owed me, however they would charge me a fee of {$70.00} per day for " interest ''. So they opened the savings account with XXXX XXXX Bank " supposedly '', where the funds were being held, however I contacted XXXX XXXX Bank to inquire about the funds and they had no idea what I was talking about. After this I called SST Loans to inform them of what XXXX XXXX Bank had said and they said I must not have spoken to the right person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Medical debt is HIPPA Violation, amount is incorrect resubmitted to the insurance companies. This is the second notice for Experian to delete after the other Bureaus deleted.

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 2023-01-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TX

Complaint narrative:
These accounts do not belong to me, information is 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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-01-17 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: DISCOVER BANK
State: FL

Complaint narrative:
I applied for a HELOC account in XX/XX/XXXX over the phone and they pulled my credit report. On XX/XX/XXXX, I used the only email sent to me by Discover to start loading documents but it only allowed me to enter the same personal info that I shared over the phone in XXXX Once complete, I hit submit and Discover then pulled another hard credit bureau while I already had an open application with them. The email they sent should have informed me that I already have an application but it did not and it pulled a XXXX credit inquiry when it was not necessary. I called Discover and they cancelled the XXXX application but this seems to be a harmful practice for consumers. I find myself to be a savvy consumer and this deceptive practice has probably impacted many other consumers as they are pulling a new credit inquiry when the consumer doesnt understand or want that XXXX pull.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 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: NJ

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-01-17 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: CO

Complaint narrative:
I have had a freeze on Transunion for years. I unfroze my credit report on XX/XX/2022 to make a purchase and pulled my credit reports. I found Transunion had been accessing my credit information about twice a month for years. I also had inquiries allowed from XXXX XXXX. The unfreeze was to apply for a home mortgage and I started getting mortgage offers from XXXX XXXX. The lender am working with does not share information and told me to use XXXX to stop the unsolicited offers. The XXXX XXXX offers continue to this day. 

Transunion should not be able to use my credit information or allow others to access my credit information when I have a freeze on my account. They are and they do. 

I never asked them to gather my information and now they are using it to their own benefit in marketing through XXXX XXXX and XXXX XXXX. 

How do I get them to stop?

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 2023-01-17 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: TN

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have deposited my check from work and wanted the 7 days for it to clear and they still have my account on hold after the money has been cleared they are still giving me problems making wait and have no access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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.
State: SC

Complaint narrative:
XXXX credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act 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. 15 U.S.C 1666b A Creditor May not treat a payment on a account under an open end consumer credit plan as late for any reason

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 2023-01-17 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.
State: SC

Complaint narrative:
XXXX credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act 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. 15 U.S.C 1666b A Creditor May not treat a payment on a account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I had an insurance claim for damages to my property. I was then effected by the COVID pandemic. I went onto a COVID forbearance. My insurance company sent my lender a check for {$3000.00} on XX/XX/2020. My lender applied that money toward my mortgage payments on XX/XX/2020. I now do not have the funds to pay the contractor who repaired my home. I was told it was because the lender had my file under " XXXX ''. I am now stuck without the funds to pay my contractor. I do not know what to do and I believe a clerical error on behalf of my lender should be detrimental to 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 monetary relief
Consumer complaint received 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed the information with all three credit agencies several times and they have not done a proper investigation into XXXX XXXX XXXX. I sent them a letter directly and I received a reply back please see attached. Please have them remove the information off of my credit 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 2023-01-17 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: MD

Complaint narrative:
I have disputed the information with all three credit agencies several times and they have not done a proper investigation into XXXX XXXX XXXX. I sent them a letter directly and I received a reply back please see attached. Please have them remove the information off of my credit 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 explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: FL

Complaint narrative:
I previously reported the loan servicing for not doing what theyre supposed to do on my credit report however, they want to claim that the debt or balance is still there. However, these loans have been XXXX. There is no more debt or balance to be owed and FedLoan servicing keeps fraudulently reporting. They need to fix this issue or they will be litigation. This is not going to continue and I will not continue to be financially harms by Fedloan servicing for them not doing what theyre supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo has locked me out of my online portals, and even upon calling to fix they haven't done it in a year. I am unable to look at my car loan, to even see what I owe, or make payments the easy way. This has been on ongoing issue for such a long time, and once my car was repossessed due to not being able to see my payments. I since got the car back, but it cost me {$1400.00} due to their negligence.

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 2023-01-17 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: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my 4 kids and wife. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

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 2023-01-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my 4 kids and wife. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: NJ

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
A credit card was fraudulently opened in my name in XX/XX/XXXX with XXXX Bank. I did not notice the account on my credit report until the account was in default with a balance of approximately {$5000.00} in charges and fees. In XXXX XXXX or XX/XX/XXXX, I contacted the bank and they quickly acknowledged that the account was fraudulent and stopped reporting the account to the credit bureaus under my name/ssn in XX/XX/XXXX. 

In XXXX of XXXX, Credit Corp Solutions ( CCS ) acquired the debt. At some point in the fall of XXXX, I received correspondence from CCS regarding this debt. I emailed the contact on the letter, informing them that the debt was not mine and was a case of identity theft. When I continued to receive correspondence from CCS, in XX/XX/XXXX I sent them a letter via XXXX mail stating clearly that the debt was not mine. 

On XX/XX/XXXX, in response to my letter, CCS sent me a collection of statements for the account that show my name as the account holder, but which list an address in another state from the XXXX in which I live and is for a property that I had previously owned but had not lived in for more that 8 years and had sold 7 years prior to the fraudulent account being opened. Included in that correspondence from XXXX  was a blank affidavit of fraud that CCS asked that I complete and return, should the account be fraudulent. I completed and signed the affidavit and emailed it back to them on XX/XX/XXXX. I received no response for the email I sent with the affidavit. 

Despite the fact that I have clearly communicated to CCS both via mail and email that the debt was opened fraudulently in my name, to include providing them with a signed affidavit stating such, on XX/XX/XXXX I received another letter from CCS in which they are now threatening legal action to collect he debt. 

Contact information that I have on the debt collector : Credit Corp Solutions Inc 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